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#GrowWithDanamonGroup Satu Tekad, Satu Tujuan PT Bank Danamon Indonesia Tbk (Danamon or Bank), supported by MUFG as its parent company, together with its group companies—Adira Finance and Home Credit Indonesia— brings together MUFG’s strong global network and capabilities with deep local expertise to create a distinctive financial ecosystem in Indonesia. With the spirit of “Satu Tekad, Satu Tujuan,” Danamon and its group are committed to providing holistic, tailored financial solutions to meet the needs of customers. Bolstered by the strong support from shareholders, employees, and regulators, we can grow and achieve our financial goals together. As part of our strategy to create a sustainable future, Danamon’s business operations focus on customer satisfaction ensure ease of access and prioritize sustainable innovation by integrating holistic financial solutions with environmentally responsible practices.
Page 3
THEME CONTINUITY
2024 Annual Report
#GrowWithDANAMONGROUP
Providing Sustainable Holistic Financial Solutions
with Local and Global Partners
Together with its parent Company, group members, and strategic partners, PT Bank Danamon
Indonesia Tbk (Danamon or Bank) is committed to transforming into one financial group becoming
trusted financial partner that consistently innovates and is customer-oriented. In efforts to achieve
this strategic goal, Danamon continues to provide innovations that can help meet financial needs and
deliver comprehensive financial solutions for customers and grow our business in alignment with the
long term interest of our employees, shareholders and regulators.
In an effort to provide comprehensive financial solutions, Danamon’s strategic priorities include
building dominance in targeted ecosystems such as the automotive ecosystem, the Hajj and Umrah
ecosystem, and other ecosystems. Danamon is also supported by the unique value proposition of its
parent Company, group members, and strategic partners with both global and local networks.
In parallel, we continue to focus on optimizing our business by building a foundation in IT infrastructure
and digital fields, where Danamon currently offers the D-Bank PRO application (Digital Banking for
Individual Customers) and Danamon Cash Connect (Digital Banking for Business Customers).
Through a transformation alongside its parent Company and strategic partners, Danamon is committed
to becoming top financial groups in Indonesia, offering comprehensive financial solutions to customers
across all segments: Retail, Small and Medium Enterprises, and Corporate, enabling everyone to Grow
Together with Danamon Group.
Danamon’s foundations are also strengthened through enhancement in our branding, branch office
network and human resouces.
2023 Annual Report
#TumbuhBersamaDANAMON
Transforming and innovating
for the future
Serving as a caring and enabling force for millions of customers, employees, and society at large,
Danamon has been instrumental in empowering our stakeholders to grow and prosper.
As Danamon celebrate its 67th anniversary, Danamon remains strong in its commitment to
#tumbuhbersama. Throughout the year, we have therefore continued to transform and innovate in
order to provide the holistic financial products, services, and solutions for individuals and businesses
across Indonesia, to create value and enabling our customers, employees, and the broader community
to advance.
These efforts reflect our belief that the ultimate key to Danamon’s success is to enable the
long-term well-being of the people we serve. So that we can grow and prosper together, today, and
tomorrow.
2022 Annual Report
#BERSAMABERSINERGI
Delivering Comprehensive Financial Solution
Synergy is an ideal form of collaboration, in which every involved party gains benefit from the
collaboration. The phrase Bersama Bersinergi was chosen as Danamon Annual Report’s theme for
2022, because Danamon aims to create an ecosystem where every stakeholder can grow, not only
Danamon itself, but also customers and collaboration partners.
With the goal of becoming the Bank of Choice, the synergies formed between Danamon, Adira Finance
and MUFG are built to create comprehensive financial solutions for every type of customers. Danamon
is optimizing the comprehensive financial solution by utilizing its hybrid network of partner ecosystems
in various industry sectors, including the automotive and real estate ecosystems.
In 2022, Danamon’s strategy focuses in developing sustainable partnerships. On one hand, business
collaboration with MUFG and digital partnerships are being utilized to expand the market reach.
While at the same time, Danamon also focuses on collaborative efforts with Danamon employees and
various elements of the community such as the digitalization, carbon emission reduction programs,
and supports to community welfare.
With #BersamaBersinergi, Danamon consistently presents comprehensive financial solutions that are
innovative and relevant to evolving customer needs and preferences, both individual and Corporate
customers in Indonesia, in every economic segment and customer’s stage of life.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 1
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Table of Contents
#GrowWithDanamonGroup Satu Tekad, Satu Tujuan ifc
Theme Continuity 1
Table of Contents 2
01 Financial 2025 Consolidated Financial
Highlights 6 Information About Bonds 14
Highlights Financial Highlights 8
Credit Ratings 15
Important Events 16
Sharia Highlights 11
Shares Highlights 13
02 Management Message from The Board of
Commissioners 22 Sharia Supervisory Board Report 36
Report Board of Commissioners 26
Sharia Supervisory Board 37
Declaration of Responsibility for
Message from The Board of Directors 28 Annual Report 38
Board of Directors 34
03 Company Profile Danamon at A Glance
Corporate Identity
44
45
Independent Parties Profile
Employee Demographic
80
82
Operational Areas 46 Shareholders Composition 86
Vision & Mission 47 Total Shareholders and Shareholding
Percentage as of The End of The Year 87
Corporate Values 48 by Classification
Corporate Logo 49 Share Listing Chronology 88
Core Business 50 Timeline of Other Securities Listings 89
Milestones 52 Majority & Controlling Shareholders 90
Organization Structure 54 Corporate Group Structure 91
Board of Commissioners Profile 62 Public Accountant & Public
Accountant Firm 93
Board of Directors Profile 68
Capital Markets Supporting
Sharia Supervisory Board Profile 76 Institutions Professionals 93
Changes in The Composition Award & Certification 94
of Members of The Board of
Commissioners and Directors and 79
The Reasons for The Changes
04 Management Macroeconomic Overview & Banking
Industry Prospect 98
Small Medium Enterprise (SME)
Banking 110
Discussion & Strategic Review 101 Consumer Banking 113
Analysis Business Segment Operational
104 Sharia Banking 117
Review
Group Marketing 119
Enterprise Banking 105
PT Adira Dinamika Multi Finance Tbk 122
Treasury & Capital Market 106
Financial Review 125
Transaction Banking 108
05 Operational 145
Risk Management
Human Capital Management 272
Review Information Technology and Digital 279
Operations 281
06 Corporate CORPORATE GOVERNANCE 287 The Board of Directors 342
Governance Structure and Mechanism of
Corporate Governance 289
Committees Under The Board of
Directors 364
Danamon’s Corporate Governance Affiliated RelationshipsaAnd
Implementation Report 293 Affiliated Transactions for
The Board of Directors, Board
General Meeting of Shareholders 294 of Commissioners, Sharia 376
Supervisory Boards and Controlling
Board of Commissioners 303 Shareholders
Committees Under The Board of
320
Corporate Secretary 377
Commissioners
Bank Compliance Function 380
2 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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The Implementation of Anti Money Investor Relations 412
Laundering (AML), Counter
Terorism Financing (CFT), and
Counter Proliferation of Weapon of 386 Corporate Communications 413
Mass Destruct Financing Programs Delivering An Excellent Customer
(CPF) Experience and Integrated Solutions 414
Internal Audit Working Unit (IAWU) 390 Corporate Culture 417
Company Accountant/ External
Auditor 395 Code of Conduct 418
Anti-Bribery and Anti-Corruption
Risk Management 397 Policy 419
Provision of Funds To Related
Parties and Large Exposures 399 Anti-Fraud Policy 420
Internal Control System 400
Procurement Policy 420
Legal Issues and Significant Internal Fraud 421
Cases Faces by The Company,
Its Subsidiaries, Members of 401 Whistleblowing System 422
The Board of Directors and/or
Commissioners Implementation of GCG Guidelines
for Public Companies 423
Significant Cases Against Danamon 402 INTEGRATED CORPORATE
GOVERNANCE 428
Integrity of Reporting and
Information Technology Systems 403
Integrated Corporate Governance
Implementation Report 429
Transparency of Bank’s Financial
and Non-Financial Condition 404
Integrated Compliance Working
Unit 435
Remuneration Policy 405
Integrated Internal Audit Working
Bank’s Shares Buy Back and Bond 437
Buy Back 409 Unit
Implementation of Integrated Risk
Insider Trading Policy 409 Management 438
Disclosure Policy on Share Self-Assessment of The
Ownership Trading of The Board 409 Implementation of Integrated 440
of Commissioners and Directors Governance in 2025
Transactions with Conflicts of Implementation of The ASEAN
Interest 410 Corporate Governance Scorecard 441
Bank’s Strategic Plan 410 SHARIA BUSINESS UNIT (UUS)
452
GOVERNANCE
Implementation of Sustainable
Finance 411 Sharia Business Unit (UUS)
Governance 453
Company Information Access 411
07 Sustainability Sustainability Performance Highlights
Sustainability Performance
476
477
Report Sustainability Governance 480
Sustainability Strategy 482
Creating Bigger Impact 487
Minimizing Environmental Impact 495
Giving More, Grow More 501
Product Innovation and Development 512
About Sustainability Report 517
Assurance of The Report 518
08 Corporate Products and Services 521
Data Senior Executive Officers & Executive Officers 535
Branches Offices & Sharia Branches 537
List of Disclosures in Accordance with Financial Services Authority Regulation Number 51/
POJK.03/2017 550
GRI Content Index 552
Sustainability Accounting Standards Board (SASB) Index for Commercial Banks 554
Indonesia Stock Exchange ESG Metrics 555
Independent Assurance Statement 556
Feedback Sheet 559
Financial
09 Statements Financial Statements 561
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 3
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Highlights
Financial
01
FINANCIAL
HIGHLIGHTS
PT Bank Danamon Indonesia Tbk
2025 Annual Reort
4 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 7
Highlights
Financial
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 5
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2025 CONSOLIDATED
FINANCIAL HIGHLIGHTS
Highlights
Financial
Robust NPAT Growth
4.0 trillion
Increased 14.0% compared
to previous year
reached Rp
Rp
210.9 trillion
Continuous Growth in
Loan Disbursement
Total loans grew 9.8% YoY,
supported by growth in All 4 Business Engines.
6 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 9
1.7
Highlights
Financial
% Asset Quality
Remains Healthy
Gross NPL stood at 1.7% in 2025, showing an
improvement from 1.9% in the previous year.
Double Digit Growth
75.2trillion
in CASA
CASA grew by 18% YoY
reached
Rp
Robust
NPL Coverage 280.7 %
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 7
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FINANCIAL
HIGHLIGHTS
Highlights
Financial
Consolidated Statements of Financial Position
(in Rp billion)
Description 2025 2024 f) 2023
Assets 275,714 247,967 221,305
Securities - gross 19,436 12,919 3,615
Government Bonds 21,379 18,699 16,318
Loans – Gross a) 210,889 192,032 172,919
Investments in Shares 473 477 467
Deposits from Customers & Other Banks b)
182,299 154,672 141,444
Total Funding c)
203,976 179,325 156,484
Total Liabilities 217,702 193,149 171,345
Total Equity 58,012 54,819 49,959
Number of Shares Issued and Fully Paid (in unit) 9,773,552,870 9,773,552,870 9,773,552,870
Consolidated Statements of Profit or Loss
(in Rp billion)
Description 2025 2024 f) 2023
Net Interest Income 17,924 17,156 15,216
Other Operating Income – Net 5,056 4,665 4,260
Other Operating Expenses (17,521) (17,058) (14,695)
Net Operating Income 5,459 4,763 4,782
Non-Operating Expense - Net (72) (45) (88)
Income before Tax Expense 5,387 4,718 4,694
Income Tax Expense 1,192 1,023 1,036
Net Income 4,194 3,695 3,658
Net Profit Attributable to Equity Holders of the Parent
3,971 3,483 3,504
Entity
Net Profit Attributable to Non-Controlling Interests 223 212 154
Comprehensive Income Attributable to Equity
4,504 3,348 3,549
Holders of the Parent Entity
Comprehensive Income Attributable to Non-
231 208 150
Controlling Interests
Basic Income per Share (Full Amount) 406 356 359
a). Including loans, receivables from consumer financing and lease receivable from Adira Finance.
b). Including customers deposit and deposit from other banks.
c). Including deposits from customer, deposit from other banks, bonds, and borrowings.
8 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Highlights
Financial
Other Comprehensive Income
(in Rp billion)
Description 2025 2024 f) 2023
Remeasurement of Post Employment Benefit Obligation (3) (8) (126)
Income Tax Related to Other Comprehensive Income 2 2 28
Changes in Fair Value of Investment in shares measured at
Fair Value through Other Comprehensive Income (FVOCI) 2 (11) -
- net
Available for Sale Financial Assets:
1. Changes in Fair Value in Current Year 877 (121) 188
2. Amount Transferred to Profit or Loss in Respect of Fair
(167) (12) (16)
Value Change
Changes in Fair Value of Cashflow Hedge (52) (14) 3
Income Tax Related to Other Comprehensive Income (145) 32 (39)
Other Comprehensive Income Net of Tax from Associate
27 (7) 2
- Net
Total Comprehensive Income 4,735 3,556 3,698
Financial Ratios
Key Financial Ratios (%) 2025 2024 f) 2023
Capital
Capital Adequacy Ratio (CAR) 25.4 27.2 27.5
Tier 1 Ratio 24.4 26.1 26.5
Tier 2 Ratio 1.0 1.0 1.0
Asset to Equity (x) 4.8 4.5 4.4
Earning Assets
Non-Performing Earning Assets and Non-Productive
1.0 1.1 1.3
Assets to Total Earnings and Non Productive Assets
Non-Performing Earning Assets to Total productive Assets 0.9 1.0 1.2
Non-Performing Loans (NPL) to Total Loans - Gross 1.7 1.9 2.2
Non-Performing Loans (NPL) to Total Loans - Nett 0.2 0.3 0.3
Allowance for Impairment Losses for Financial Assets to
3.6 4.2 4.6
Productive Assets
Loan Loss Coverage 280.7 286.7 265.9
Profitability
Return On Average Assets (ROAA) Before Tax 2.1 2.0 2.3
Return On Average Assets (ROAA) After Tax 1.6 1.5 1.7
Return On Average Equity (ROAE) 8.3 7.7 8.3
Debt to Assets 0.8 0.8 0.8
Debt to Equity 3.8 3.5 3.4
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 9
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FINANCIAL
HIGHLIGHTS
Highlights
Financial
Financial Ratios
Key Financial Ratios (%) 2025 2024 2023
Net Interest Margin (NIM) 7.4 7.7 7.7
Cost to Income g) 55.3 55.8 51.6
Operating Expense to Operating Income (BOPO) g) 79.3 81.6 75.7
Cost of Funds 4.4 4.3 3.5
Liquidity
Loan to Deposit Ratio (LDR) g) 95.5 96.5 96.5
CASA Ratio g) 42.5 41.7 52.1
Compliance
1. a. Percentage of Violation of Legal Lending Limit
a.1. Related Parties - - -
a.2. Third Parties - - -
b. Percentage of Excess of Legal Lending Limit
b.1. Related Parties - - -
b.2. Third Parties - - -
2. Statutory Reserve Requirement d)
a. GWM Primary IDR
i. Daily 0.0 0.0 0.0
ii. Average 4.9 7.0 7.1
b. GWM Foreign Currency (Daily) 2.0 2.0 2.0
3. Net Open Position 6.0 1.7 0.9
Others
Total Employees e) 28,991 25,646 25,995
Total Branches e) 1,238 863 861
Total ATMs & CRMs 1,006 1,043 1,255
Note:
d). In line with PBI No. 22/3/PBI/2020 and PADG No. 22/10/PADG/2020 about Minimum Reserve Requirement in Rupiah and Foreign Currency for
Convention Commercial Banks (BUK), Sharia Commercial Banks (BUS) and Sharia Business Units (UUS).
e). Including Adira Finance.
f). As restated.
g). Bank only.
10 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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SHARIA HIGHLIGHTS
Highlights
Financial
(in Rp million)
Net Revenue Sharing
Funds Owner Share
Average
Revenue Sharing Total Profit
Type of Funds Raiser Balance Ratio (%) Rate of Return (%)
Sharing
A B C D E=(D/A x 100%) x 12
1. Liabilities to Other Banks - - - - -
2. Mudharabah Current
Account
a. Bank 138,119 1,176 10 118 1.03
b. Non-Bank 1,271,261 10,827 16 1,685 1.59
3. Mudharabah Savings
Account
a. Bank 143,470 1,222 13 159 1.33
b. Non-Bank 1,146,115 9,761 6 579 0.61
4. Mudharabah Time Deposits
a. Bank
- 1 Month 44,944 383 25 96 2.56
- 3 Months 73,339 625 25 156 2.55
- 6 Months 5,000 43 25 11 2.64
- 12 Months 9,273 79 25 20 2.59
b. Non-Bank
- 1 Month 1,229,588 10,472 25 2,617 2.55
- 3 Months 2,899,985 24,697 25 6,174 2.55
- 6 Months 2,245,565 19,124 25 4,781 2.55
- 12 Months 455,802 3,882 25 970 2.55
5. Received Financing - - - - -
Total 9,662,461 82,291
Average Balance Received Revenues
Types of Funds Disbursement
A B
1. Placement with Other Banks - -
2. Murabahah Receivables
a. Bank - -
b. Non Bank 8,109,851 77,220
3. Istishna Receivables
a. Bank - -
b. Non Bank - -
4. Multi Service Receivables
a. Bank - -
b. Non Bank - -
5. Pawn Financing
a. Bank - -
b. Non Bank - -
6. Mudharabah Financing
a. Bank 171,662 1,326
b. Non Bank 1,894,519 10,119
7. Musyarakah Financing
a. Bank - -
b. Non Bank 4,954,520 21,843
8. Lease Financing
a. Bank - -
b. Non Bank 984,093 5,807
9. Other Financing
a. Bank - -
b. Non Bank 546 6
Total 16,115,191 116,321
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 11
Page 14
Statement of Sources and Disbursement of Zakat and Waqf Funds
(in Rp million)
Highlights
Financial
No Description 31 Dec 25 31 Dec 24 31 Dec 23
A. Source and Disbursement of Zakat Funds
1. Zakat Funds Derived from:
a. Internal Sharia Business Unit (UUS) - - -
b. External Sharia Business Unit (UUS) 872 821 682
Total Acquisition 872 821 682
2. Disbursement of Zakat Funds to Zakat Administrator
Entities
a. Amil Zakat Institutions 646 785 489
b. Amil Zakat Agency 1 1 1
Total Disbursement 648 786 490
B. Source and Disbursement of Waqf Funds
1. Acquisition of Waqf Funds Deriving From:
a. Internal Sharia Business Unit (UUS)
b. External Sharia Business Unit (UUS) 9,242 9,089 9,036
Total Acquisition 9,242 9,089 9,036
2. Disbursement of Waqf Funds to Waqf Administrator Entities
a. Indonesia Waqf Agency 820 33 733
b. Others Nadzir1) Yayasan Pesantren 6,844 5,457 3,788
c. Others Nadzir2) DD Republika Wakaf 1,071 2,823 2,274
d. Others Nadzir2) Yayasan DD Republika - 1,973 -
e. Others Nadzir Yayasan Darut Tauhid
3) 2)
- - 600
f. Others3) 535 333 413
Total Disbursement 9,271 10,619 7,808
Description:
1) To state the name of Institution or parties as nadzir, where UUS disbursed at least 5% (five percent) from total disbursement of waqf funds
2) If there is more than 1 (one) and the most 20 (twenty) nadzir, where the UUS disbursed at least 5% (five percent), to state the name of Institutions or said
parties.
3) All nadzir where UUS disbursed less than 5% (five percent) from total disbursement of waqf funds.
Statement of Sources and Usage of Benevolence Funds
(in Rp million)
No Description 31 Dec 25 31 Dec 24 31 Dec 23
1. Beginning Balance of Benevolence Funds 1,011 1,143 2,072
2. Acquisition of Benevolence Fund - - -
a. Infaq & Alms 160 70 90
b. Repayment of Productive Benevolence Funds
c. Fines 1,419 780 863
d. Non-Halal Acquisition - - -
e. Others - - -
Total Acquisition 1,579 850 953
3. Usage of Benevolence Funds
a. Productive Benevolence Funds - - -
b. Donations 1,869 982 1,882
c. Other Usage for Common Interests - - -
Total Usage 1,869 982 1,882
4. Increase (Decrease) of Benevolence Funds Source (289) (132) (929)
5. Ending Balance of Benevolence Funds 722 1,011 1,143
12 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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SHARES
HIGHLIGHTS
Highlights
Financial
2025
Share Price (Rp) Market
Highest Lowest Closing Average Capitalization
)Rp Million(
First Quarter 2,620 2,370 2,440 2,491 23,847,469
Second Quarter 2,520 2,310 2,440 2,421 23,847,469
Third Quarter 2,580 2,360 2,380 2,472 23,261,055
Fourth Quarter 2,570 2,330 2,470 2,458 24,140,675
2024
Share Price (Rp) Market
Highest Lowest Closing Average Capitalization
(Rp Million)
First Quarter 3,010 2,740 2,980 2,879 29,125,187
Second Quarter 2,950 2,050 2,580 2,642 25,215,766
Third Quarter 2,690 2,460 2,600 2,596 25,411,237
Fourth Quarter 2,630 2,510 2,540 2,568 24,824,824
Share Price Movement Chart
Chart of Trading Volume and Closing Price of Shares Throughout 2025 & 2024
Volume (Shares) Share Price (Rp)
24,000,000 5,000
22,000,000
20,000,000
4,000
18,000,000
16,000,000
14,000,000 3,000
12,000,000
10,000,000
2,000
8,000,000
6,000,000
1,000
4,000,000
2,000,000
0 0
Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25 Oct-25 Nov-25 Dec-25
2025 Share Price (Rp) Volume (shares)
2024 Share Price (Rp) Volume (shares)
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 13
Page 16
INFORMATION ABOUT BONDS
Highlights
Financial
For the period ended on 31 December 2025, Danamon did not conduct listing of bonds, sukuk or conventible
bonds, and other secuirities. Therefore, the Company did not present any information regarding the total
number of outstanding bonds, sukuk or conventible bonds, interest rate/yield, maturity date, or bond ratings.
Corporate bonds that had been issued and not yet matured as of 31 December 2025 are as follows:
Effective Interest
Amount (In
Debt Securities Notification Letter Number The Trustee Payment
IDR Millions)
Date Schedule
Adira Finance Continuing Bonds V June 2020 No. S-182/D.04/2020 1,700,000 PT Bank Negara Quarterly
Phase III Year 2022 (Continuing Bonds Indonesia (Persero) Tbk.
V Phase III)
Adira Finance Continuing Bonds VI June 2023 No. S-164/D.04/2023 1,700,000 PT Bank Negara Quarterly
Phase I Year 2023 (Continuing Bonds Indonesia (Persero) Tbk.
VI Phase I)
Adira Finance Continuing Bonds VI June 2023 No. S-164/D.04/2023 1,250,000 PT Bank Negara Quarterly
Phase II Year 2023 (Continuing Bonds Indonesia (Persero) Tbk.
VI Phase II)
Adira Finance Continuing Bonds June 2023 No. S-164/D.04/2023 1,600,000 PT Bank Negara Quarterly
VI Phase III Year 2024 (Continuing Indonesia (Persero) Tbk.
Bonds VI Phase III)
Adira Finance Continuing Bonds June 2023 No. S-164/D.04/2023 2,000,000 PT Bank Negara Quarterly
VI Phase IV Year 2024 (Continuing Indonesia (Persero) Tbk.
Bonds VII Phase IV)
Adira Finance Continuing Bonds VI June 2023 No. S-164/D.04/2023 2,066,993 PT Bank Negara Quarterly
Phase V Year 2025 (Continuing Bonds Indonesia (Persero) Tbk.
VI Phase V)
Adira Finance Continuing Bonds VII June 2025 No. S-62/D.04/2025 1,200,000 PT Bank Negara Quarterly
Phase I Year 2025 (Continuing Bonds Indonesia (Persero) Tbk.
VII Phase I)
Adira Finance Continuing Bonds VII June 2025 No. S-62/D.04/2025 1,650,000 PT Bank Negara Quarterly
Phase II Year 2025 (Continuing Bonds Indonesia (Persero) Tbk.
VII Phase II)
Adira Finance Continuing June 2020 No. S-182/D.04/2020 300,000 PT Bank Negara Quarterly
Mudharabah Bonds IV Phase III Year Indonesia (Persero) Tbk.
2022 (Continuing Mudharabah Bonds
IV Phase III)
Adira Finance Continuing June 2023 No. S-164/D.04/2023 300,000 PT Bank Negara Quarterly
Mudharabah Bonds V Phase I Year Indonesia (Persero) Tbk.
2023 (Continuing Mudharabah Bonds
V Phase I)
Adira Finance Continuing June 2023 No. S-164/D.04/2023 300,000 PT Bank Negara Quarterly
Mudharabah Bonds V Phase II Year Indonesia (Persero) Tbk.
2023 (Continuing Mudharabah Bonds
V Phase II)
Adira Finance Continuing June 2023 No. S-164/D.04/2023 400,000 PT Bank Negara Quarterly
Mudharabah Bonds V Phase III Year Indonesia (Persero) Tbk.
2024 (Continuing Mudharabah Bonds
V Phase III)
Adira Finance Continuing June 2025 No. S-62/D.04/2025 300,000 PT Bank Negara Quarterly
Mudharabah Bonds VI Phase I Year Indonesia (Persero) Tbk.
2025 (Continuing Mudharabah Bonds
VI Phase I)
Adira Finance Continuing June 2025 No. S-62/D.04/2025 700,000 PT Bank Negara Quarterly
Mudharabah Bonds VI Phase II Year Indonesia (Persero) Tbk.
2025 (Continuing Mudharabah Bonds
VI Phase II)
Shelf Registration Mudharabah July 2022 No. S-87/D.04/2021 500,000 PT Bank Rakyat Quarterly
Bonds I Mandala Multifinance Phase Indonesia (Persero) Tbk.
III (Continuing Mudharabah Bonds I
Phase III)
14 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 17
CREDIT
RATINGS
Highlights
Financial
Pefindo Outlook Stable
June 2025 Corporate Rating idAAA
Fitch Rating Outlook Stable
October 2025 LT Issuer Default Rating BBB
ST Issuer Default Rating F2
National Long Term AAA (idn)
National Short Term F1+ (idn)
Shareholder Support Rating bbb
Viability Rating bb+
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 15
Page 18
IMPORTANT
EVENTS
Highlights
Financial
Jakarta, February 13 - 23 & February 3 - 11, 2025 March 10, 2025
Surabaya, May 28 - June 1, 2025
Indonesia International Chinese New Year 2025 Danamon and Manulife
Motorshow 2025 Celebration Indonesia Launch Proteksi
For the fourth time, Danamon, together with Chinese New Year 2025 Celebration (the
Prima Kritis Andalan (PPKA)
Adira Finance, and supported by MUFG, Year of the Wood Snake) with Consumer
Product
was once again present at IIMS 2025 as the Customers (Danamon Privilege), SME and Launch of the collaborative product between
Official Bank Partner and Official Multifinance Enterprise Business (EB) Customers across all Danamon and Manulife Indonesia for the
Partner. Through the One Financial Group Danamon regions through an intimate dinner Proteksi Prima Kritis Andalan Product:
concept, Danamon offered integrated concept to foster closer relationships with the comprehensive protection against 4 major
financial solutions to support the Indonesian Customers. critical illnesses, namely heart disease, kidney
automotive ecosystem and provide failure, cancer, and stroke.
convenience for customers.
March 14, 2025 March 15, 2025 April 14, 2025
Danamon Socializes the Inauguration of the BPD Gathering Halal Bihalal
Allocation of Funds from Electric-Powered Pedicab and Economic Outlook 2025
Natural Resource Proceeds Through its Corporate Social Responsibility Danamon held the BPD Gathering Halal Bihalal
Danamon held a Socialization of Effective (CSR) program, Danamon contributed to and Economic Outlook 2025. This event
Natural Resource Proceeds Fund Allocation the empowerment of the KH Ahmad Dahlan aimed to strengthen fellowship with Regional
and a Shared Iftar gathering. The event was Pedicab Driver Association (PABELAN), Development Bank (BPD) stakeholders and
designed to provide in-depth insights into the a community fostered by the Community provide a comprehensive analysis of the
opportunities and mechanisms for managing Empowerment Council of Muhammadiyah’s economic challenges and opportunities in
funds derived from natural resources, aimed Central Leadership in Yogyakarta, by 2025. This forum demonstrates Danamon’s
at optimizing regional economic potential. introducing electric pedicabs. The handover commitment as a strategic partner to support
Held during the month of Ramadan, the ceremony for the electric pedicabs took place the future readiness and business growth of
gathering also strengthened relationships on March 15, 2025, at the SM Hotel its customers and partners.
and expanded networks among Corporate in Yogyakarta.
Banking Customers, concluding with a
shared iftar.
16 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Highlights
Financial
May 26, 2025
Danamon Customer Gathering
and Economic Outlook 2025
Danamon held the Danamon Cash Connect Customer
Gathering and Economic Outlook Series in Jakarta,
Medan, and Bandung. This event provided the latest
economic insights and business challenge strategies
for Corporate Customers. Danamon also introduced
its Integrated Cash Management Solution through
Danamon Cash Connect, which offers a variety of
reliable, safe, and user-friendly features to support
the company’s financial operations.
May 27, 2025 June 13, 2025 June 30, September 29, &
November 27, 2025
Net Zero School Economic Outlook Journalist Class Program
Danamon and MUFG held the Net Zero
“Danamon Wealth Series” A program organized by Danamon as part of
School, a cross-sector collaboration program Danamon held the Economic Outlook the bank’s annual Financial Literacy program.
that provides training on sustainable finance “Danamon Wealth Series” event together with This activity aims to provide education and
practices for managers and leaders of Economists and/or experts from Danamon and knowledge to junior journalists from the
Corporate Customers, as part of the MUFG Sucorinvest Asset Management to provide the business/economic/banking desk regarding
Net Zero World (MUFG N0W) initiative in latest financial and economic education and product/service mechanisms and the latest
supporting sustainable economic growth in information useful for customers in making updates on the general condition of the
Indonesia. investment decisions. This event was held in banking sector. Throughout 2025, three
Pontianak, Pekanbaru, and Surabaya. Journalist Class activities were carried out.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 17
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IMPORTANT
EVENTS
Highlights
Financial
July 12, 2025 July 16, 2025 July 16, 2025
D-Bank PRO Launches with the Inauguration of Danamon on Danamon 69th Anniversary
Latest Version Update Wheels Danamon’s 69th anniversary was celebrated
D-Bank PRO #SelaluMenggoda with its latest The launch of the Mobile Branch, introduced with various activities. At the head office
version update, offering a wide range of in conjunction with Danamon’s 69th in Menara Bank Danamon, a Mini Internal
services designed to deliver greater ease and anniversary, comes with a more modern Celebration and the launch of “Danamon
convenience in every transaction. concept called “Danamon on Wheels,” on Wheels” were held, attended by
designed to reach customers in areas with Danamon employees and Danamon Group
limited banking access and to support various representatives. Customers visiting all
business activities. Danamon on Wheels is Danamon branches were given cake as a form
now available in Jakarta, Bali, Semarang, and of appreciation. This special moment was also
Surabaya. marked by the launch of the Danamon Special
Edition Helmet, in collaboration with Tahilalats
and Cargloss.
July 23, 2025 September 18, 2025 September 27-28, 2025
Signing of the Cooperation Danamon and Zurich Launch Jak Japan Matsuri 2025
Agreement between Optimal Critical Illness Danamon, together with MUFG, Adira Finance,
Danamon Syariah and SatuMu Protection (POPK) Product Home Credit Indonesia, and Zurich Asuransi
(Muhammadiyah) The launch of a critical illness insurance Indonesia, participated once again in Jak
Danamon Syariah became the exclusive product developed through a collaboration Japan Matsuri 2025, the largest Japanese
official banking partner providing digital between Danamon and Zurich. With premiums cultural festival in Jakarta, through the One
financial solutions within the Muhammadiyah starting from Rp250,000 per month, this Financial Group concept.
digital ecosystem, SatuMu. product offers protection benefits of up to
Rp1 billion. Its coverage includes 34 critical
illnesses, ranging from early to terminal
stages.
18 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Highlights
Financial
September 28, 2025 October 6, 2025 October 14, 2025
Refreshment of the Danamon Danamon, Prasetiya Mulya MUFG N0W Indonesia 2025
Corporate Website University, and Manulife MUFG and Danamon once again hosted
The Danamon Corporate Website introduces a
Indonesia Collaborate to MUFG Net Zero World (MUFG N0W) Indonesia
new modern design that improves navigation
Present Prasmul EduWealth 2025 in Jakarta to advance sustainability
and provides seamless access to relevant Danamon, Manulife Indonesia, and Prasetiya and energy transition initiatives across the
information and products for every life stage. Mulya University collaborated to introduce Asia-Pacific region, particularly in Indonesia.
Prasmul EduWealth – Premium Education The event brought together stakeholders
Saving Plan, an innovative education savings from government, business, and industry
program that integrates savings, life insurance to discuss technologies, opportunities,
protection, and an early-stage student and practical solutions for building a green
development ecosystem. economy. The two banks also held a Net
Zero School educational program for the
media to strengthen sustainability literacy,
underscoring their role as strategic partners in
supporting inclusive and sustainable growth
in Indonesia.
November 6-7, 2025
Danamon Mini Travel Fair
Danamon held a Mini Travel Fair event at
8 Danamon Branches (Jakarta, Bogor, and
Makassar) featuring the special offer “Travel
Around the World and Save 50%” by performing
fund blocking (3-month tenor) and foreign
exchange transactions using the Danamon
LEBIH PRO/Danamon LEBIH PRO iB savings
accounts.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 19
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Report
Management
02
MANAGEMENT
REPORT
PT Bank Danamon Indonesia Tbk
2025 Annual Report
20 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 23
Report
Management
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 21
Page 24
REPORT FROM
THE BOARD OF COMMISSIONERS
Report
Management
Yasushi Itagaki
President Commissioner
22 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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DEAR VALUED SHAREHOLDERS AND STAKEHOLDERS,
Report
Management
Danamon delivered sustainable growth and
demonstrated financial resilience through solid risk
governance and effective collaboration across the MUFG
financial ecosystem.
We went through 2025 with confidence on our ASSESSMENT OF THE BOARD OF DIRECTORS’
sustainable track record of growth, even amid PERFORMANCE
the global and domestic turmoil shaping this In light of the prevailing macroeconomic conditions,
year’s economic landscape. From the Board of the Board of Commissioners carefully reviewed the
Commissioners’ perspective, this resilience can only performance of the Board of Directors throughout
be achieved through disciplined execution, prudent 2025. Based on our assessment, the Board of
risk management, and collaboration across the Directors carried out their responsibilities with
Financial Group. strong leadership, successfully advancing the Bank’s
strategic priorities while preserving balanced growth
On its 69th year of operations, Danamon continued and solid financial health. Lending and funding
collaborating with MUFG Jakarta Branch, Adira activities were managed carefully, and Management
Finance, Home Credit Indonesia and Zurich continued to strengthen the Bank’s foundation
Asuransi Indonesia. Furthermore, appointed as the through ongoing digital innovation, improvements in
Operational Financial Holding Company (Operational technology, brand and channel transformation, and
FHC), Danamon strengthened its role within the continuous investment in our people.
MUFG Financial Conglomeration (FC) and marked an
important milestone in formalizing the establishment The Board of commissioner is also satisfied with
and governance structure of the MUFG Financial the Bank’s 2025 achievements. Danamon recorded
Group in Indonesia. its highest Net Profit After Tax since MUFG’s
acquisition in 2019*), achieving Rp4.0 trillion—14%
MACROECONOMIC CONDITIONS IN 2025 higher compared to last year. Total loan portfolio
During the year, the U.S. Federal Reserve reduced its also expanded by 9.8% year-on-year to Rp210.9
federal funds rate by a cumulative 75 basis points, trillion, while deposits from customer and other
while Bank Indonesia (BI) implemented a deeper banks increased by 17.9% year-on-year to Rp182.3
easing cycle, lowering its policy rate by a total trillion. Asset quality improved further, as reflected
of 125 basis points. Amid the evolving operating in a gross NPL ratio of 1.7%, while capital strength
environment affected by reciprocal tariffs and various remained robust with a Capital Adequacy Ratio (CAR)
domestic dynamics, Banks responded by maintaining of 25.4%, providing ample buffers above regulatory
heightened prudence and strong risk management. requirements.
Within the domestic economy, growth remained In 2025, the Board of Commissioners observed that
broadly stable at around 5.11%, supported by steady external rating agencies continued to acknowledge
household consumption, controlled inflation, and an Danamon’s strong financial position and solid
accommodative monetary environment. The banking creditworthiness. Fitch Ratings maintained the Bank’s
industry continued to expand with the market— National Long-Term Rating at AAA(idn) with a Stable
outstanding loans and third-party funds grew by outlook, alongside a Long-Term Issuer Default Rating
approximately 7.4% and 11.5% respectively. (IDR) of BBB/Stable. Pefindo reaffirmed Danamon’s
*) excluding divestment of Adira Insurance in 2019
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 23
Page 26
idAAA rating, and the Bank remained in the IDX- BUSINESS OUTLOOK
Pefindo Prime Bank Index, reflecting sustained The Board of Commissioners observed that the
confidence in Danamon’s credit profile and risk global operating environment in 2026 will continue
management practices. to be challenging, mainly driven by prolonged and
expanding geopolitical conflicts. Nevertheless, the
Report
Management
OVERSIGHT OF STRATEGY IMPLEMENTATION continuation of government stimulus measures —
In carrying out its oversight mandate, the Board of ranging from Bank Indonesia’s rate and liquidity
Commissioners actively supervised the formulation support (including KLM/GWM incentives to boost
and implementation of Danamon’s strategies through credit growth) to fiscal tax relief such as delayed
continuous engagement with the Board of Directors. VAT increases and housing incentives—provides
We reviewed the Bank’s business plan, monitored a positive outlook for Indonesia’s recovery. These
performance against targets, and ensured executions supportive policies are expected to foster a
remained aligned with the regulatory requirements conducive environment for sustainable growth,
and stakeholder interests. enabling the Bank to further strengthen its resilience
and contribute to national economic revitalization.
The Board observed that Danamon continues to
target strategic ecosystems in its operating regions Bank Indonesia projects economic growth to
and leverage our relationships with Japanese strengthen to 4.9%–5.7% in 2026, supported by
corporate clients’ networks. As of December 2025, household spending and investment activity, while
these priorities drive the bank’s performance inflation is expected to remain within the 2.5%±1%
across its business engines, with the Enterprise target range. Together with ample liquidity and
Banking and Financial Institutions portfolio growing macroprudential support, these conditions should
by 14% year-on-year to Rp99.3 trillion, SME loans sustain a supportive environment for banking.
expanding by 7% year-on-year to Rp27.1 trillion, and Against this backdrop, the Board of Commissioners
Consumer loans increasing by 10% year-on-year to emphasizes the importance of maintaining disciplined
Rp23.0 trillion. risk governance and strategic focus.
The Board observed consistent improvements in CORPORATE GOVERNANCE
service delivery, highlighting ongoing efforts to IMPLEMENTATION
strengthen customer engagement by seamlessly The Board of Commissioners reaffirms that strong,
integrating both physical and digital channels. A total effective governance remains a fundamental
of 27 branches adopted the new branch concept pillar supporting Danamon’s resilience and long-
in 2025. Meanwhile, enhancements to the D-Bank term sustainability. Throughout 2025, the Board
PRO mobile banking platform supported increased exercised its oversight responsibilities to ensure
customer activity, with engaged users rising 12% that governance practices across the Bank were
post-enhancements. implemented consistently in accordance with
regulations, prudential principles, and internationally
While automotive industry conditions remained soft recognized standards. The concluding results
in 2025, Adira Finance adjusted its portfolio mix to showed that governance implementation remained
preserve asset quality and resilience. Adira Finance’s sound and effective.
total loan portfolio managed to expand by 2% year-
on-year to Rp63.4 trillion, while multi-purpose Through its committees, the Board of Commissioners
loans backed by automotive collateral also posted monitored follow-up actions on audit findings and
growth supported by a healthy asset quality with management commitments, ensuring they were
Non-Performing Financing ratio of 0.3%. Ongoing addressed in promptly and thoroughly.
collaboration between Danamon and Adira Finance
remains a key element of the Group’s automotive
ecosystem strategy.
The Board acknowledged the completion of the
merger between Adira Finance and Mandala
Finance, which became legally effective on 1 October
2025. This integration strengthens Adira Finance’s
national reach, particularly in Eastern Indonesia, and
enhances its ability to deliver a broader range of
financing solutions while reinforcing its competitive
position within the multi-finance industry.
24 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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WHISTLEBLOWING SYSTEM Throughout 2025, the Board of Commissioners
IMPLEMENTATION actively guided and supported initiatives aimed
The Board of Commissioners considers the at enhancing Danamon’s commitment to climate
Whistleblowing System (WBS) to be a critical responsibility and sustainable business operations,
mechanism for upholding ethical conduct and which reduced greenhouse gas emissions by
Report
Management
strengthening Danamon’s governance culture. more than 50% compared to the previous year. In
Throughout 2025, the Board, together with the Audit addition, the Bank’s sustainable financing portfolio
Committee, oversaw the effectiveness of the WBS demonstrated robust growth, marked by increased
to ensure that reported concerns were handled allocations to renewable energy projects and
objectively, independently, and in accordance with sectors that facilitate the transition to a low-carbon
established procedures. economy, while continuing our support for inclusive
development through social loans.
The involvement of an independent external
party in managing the WBS provides additional Going forward, the Board of Commissioners will
assurance regarding confidentiality and impartiality. continue to oversee and motivate the management
All substantiated reports were followed up with to implement Danamon’s sustainability strategy and
appropriate corrective actions and, where necessary, sustainable finance initiatives, as detailed in the
disciplinary measures. The Board of Commissioners SFAP.
emphasizes that protecting whistleblowers remains
a fundamental principle in fostering integrity, CHANGES IN THE COMPOSITION OF THE
accountability, and trust across the organization. BOARD OF COMMISSIONERS
Based on the resolutions of the Annual General
PROGRESS IN SUSTAINABILITY Meeting of Shareholders (AGMS) held on March 21,
The Board of Commissioners oversees Danamon’s 2025, there were no changes to the composition of
sustainability agenda as an integral component Danamon’s Board of Commissioners.
of the Bank’s long-term strategy and governance
framework. During 2025, the Board of Commissioners CLOSING REMARKS
has approved and monitored Management’s On behalf of the Board of Commissioners, we would
implementation of the Sustainable Finance Action like to express our gratitude to the shareholders and
Plan (SFAP) to ensure alignment with regulations, stakeholders for their continued support and trust.
including OJK Regulation No. 51/POJK.03/2017, and We would also extend our appreciation to the Board
MUFG Group sustainability commitments. of Directors and all employees for their contributions,
loyalty, and dedication.
Overall, progress was observed in sustainable
financing activities, greater awareness of climate- In addition, we would like to express our appreciation
related risks, and operational initiatives aimed at to the Government of the Republic of Indonesia, the
reducing the environmental footprint, including Financial Services Authority (OJK), Bank Indonesia,
efforts to achieve net-zero emissions from Danamon’s and other relevant authorities for their continuous
operations by 2030. These efforts were supported support and guidance to the banking industry,
by enhanced governance processes in integrating including Danamon in particular.
sustainability considerations into business decision-
making, risk management, and performance Looking ahead, the Board of Commissioners will
evaluation. continue to exercise firm, constructive oversight to
ensure Danamon remains resilient, well governed,
and focused on sustainable value creation, in line
with its purpose of caring for and enabling millions
to prosper.
Yasushi Itagaki
President Commissioner
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 25
Page 28
BOARD OF COMMISSIONERS
Peter Benyamin Stok Nobuya Kawasaki Yasushi Itagaki
Independent Commissioner Commissioner President Commissioner
26 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 29
Halim Alamsyah Hedy Maria Helena Lapian Dan Harsono
Vice President Commissioner (Independent) Independent Commissioner Commissioner
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 27
Page 30
MESSAGE FROM
THE BOARD OF DIRECTORS
Report
Management
Daisuke Ejima
President Director
28 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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DEAR ESTEEMED SHAREHOLDERS AND STAKEHOLDERS,
Report
Management
2025 was a remarkable year for Danamon. We were officially
appointed as the Operational Financial Holding Company (FHC)
of MUFG Financial Conglomeration (FC) in Indonesia, with the
successful merger between Adira Finance and Mandala Finance as
part of MUFG’s financial conglomeration implementation. Even in
the midst of uncertainties in both global and domestic economies,
Danamon successfully recorded continuous growth in its assets as
well as profitability.
Loans increased 9.8% year-on-year to to show its resilience amidst these headwinds with
Rp210.9 trillion, and deposits from customer growth averaging at 5.1%, while the inflation rate
and other banks rose 17.9% to Rp182.3 trillion. stayed relatively low at around 2.9% YoY in 2025.
Asset quality remained healthy, with a gross With solid foreign exchange reserves throughout the
NPL ratio of 1.7% and NPL coverage ratio of year, the fluctuations in Rupiah exchange rates were
280.7%. Net profit after tax grew 14.0% to cushioned against the external pressures. Rupiah
Rp4.0 trillion, reflecting a solid increase in operating traded around Rp16,109-16,943 on average in 2025.
income, discipline cost management and supported
by improvement in credit cost with well maintained The automotive industry faced ongoing challenges
asset quality. These achievements highlight in 2025. During the year, sales of four-wheel
the resilience and commitment of the entire vehicles declined by 7.2% from the previous year
Danamon team. With the aspiration to “Grow as a to approximately 0.8 million units, while two-wheel
Financial Group,” we remain focused on expanding vehicle sales remained relatively resilient, with
collaborations within the MUFG network, enhancing approximately 6.4 million units. This trend reflects the
customer centricity and elevating contributions for all impact of cautious consumer spending in a volatile
of our stakeholders. economic environment. To help stimulate demand
in the sector, the government introduced several
ECONOMIC & INDUSTRY OVERVIEW supportive measures, including Luxury Sales Tax
The global economy in 2025 was affected by the Incentives for Battery Electric Vehicles (BEV) and
reciprocal tariffs set under the administration of Hybrid Electric Vehicles (HEV), as well as a temporary
President Trump, creating uncertainty in trade incentive for imported Completely-Built Up (CBU)
policies which softens the global economic growth. BEVs. Despite these efforts, the implementation of
With further mixed signals from U.S. Federal Reserve, regional taxes (Opsen PKB/BBNKB) posed additional
Bank Indonesia acted pre-emptively by lowering its challenges and slowed the pace of recovery in the
benchmark rate from 6.0% at end of 2024 to 4.8% automotive market.
by September 2025—faster than the US Federal
Reserve’s measured rate cuts. KEY STRATEGIES AND ACHIEVEMENTS
In line with our 2024–2026 strategic direction,
This policy shifts improved liquidity and encourages Danamon continued to strengthen its position as
banking activity, with banking industry’s loan growth one of the leading financial groups in Indonesia
of 9.6% while the deposits grew by 13.8% by year- by deepening collaboration within the MUFG
end. Banking asset quality remained stable with ecosystem—including MUFG Jakarta Branch, Adira
sectoral NPLs at 2.1%. Indonesia’s economy continued Finance, Home Credit Indonesia, and Zurich Asuransi
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 29
Page 32
Indonesia. Shared networks and capabilities Overall, the expansion of our bank-wide
allowed the Bank to broaden its customer reach ecosystem targeting strategy across four focus
and sustain growth across key lending segments. areas—Education, Hajj & Umrah, Real Estate,
A major milestone during the year was the successful and Automotive—has onboarded over 1,400 new
completion of the merger between Adira Finance and ecosystems. This year, to accelerate that progress
Report
Management
Mandala Finance, forming a stronger multifinance further, we began empowering our regional teams
entity with broader national coverage and improved to actively identify and cultivate ecosystems that
operational scale. This reflects our commitment to reflect the unique needs and opportunities in their
strengthen our capabilities to service under a unified respective areas. This approach not only strengthens
group. our presence across the regions but also reinforces
our dedication to inclusive and sustainable growth at
We also believe that our appointment as the the community level.
Operational FHC will bring more integrated
governance across the MUFG franchise in Indonesia. FOUNDATION BUILDING
With enhanced oversight and stronger coordination In 2025, Danamon’s commitment to build a strong
across our entities, we will provide more seamless foundation was evident in our focus on developing
and customer-centric financial solutions. people, IT capabilities, branding, and transforming
branch and digital channels.
Performance across our business engines—
Enterprise Banking & Financial Institutions (EBFI), Specific on digital channels, our update of D-Bank
SME, and Consumer Banking—remained resilient, PRO to version 2.0 and ongoing upgrades to
reflected in strong growth. Adira Finance also picked Danamon Cash Connect (DCC) significantly
up asset and profitability growth despite challenging enhanced customer experience and supported
automotive market in Indonesia. digital growth. The number of active users surged
by 7% YoY, transactions increased by 35%, and
Guided by our strategic themes—Dominant in the overall value of transactions rose by 29%. We
Targeted Ecosystem, Unique MUFG Proposition, and continued to innovate by introducing new features
Data Analytics & Process Improvement—Danamon such as QRIS Cross-Border payments for Japan,
continued to build momentum across its four Singapore, Thailand, and Malaysia, expanding the
business engines, setting the stage for a new chapter range of multifinance billers, and refining our app
of growth as we move toward 2026. design for greater reliability and convenience. These
enhancements highlight Danamon’s capabilities in
Targeted Ecosystem delivering accessible and cutting-edge financial
Danamon strengthened its presence across selected solutions.
ecosystems by expanding customer touchpoints
and enhancing collaboration. In the Automotive We also continued to transform our branch network
Ecosystem, auto retail financing synergy grew by throughout Indonesia, by revamping 27 branches in
41% YoY. For the fourth consecutive year, together 2025 to serve our customers better. To make banking
with MUFG and Adira Finance, we served as both even more accessible, we introduced “Danamon on
the Official Bank Partner and the Official Multifinance Wheels”, bringing our mobile branch services directly
Partner of 2025 Indonesia International Motor to customers wherever they are.
Show (IIMS) in Jakarta and Surabaya, one of the
largest automotive show in Indonesia. Momentum Our branding efforts, ranging from local initiatives like
in the Hajj and Umrah Ecosystem also remained Semarak Nusantara to global events such as the Top
positive throughout the year. Aside from strategic It Up-Osaka & Kyoto Marathon 2026, have enhanced
partnership with Muhammadiyah in their digital our brand awareness and helped strengthen our
financial ecosystem, we expanded our network of long-term relationships with customers.
travel agent partners by 31% YoY, enabling more
seamless services for pilgrims. The number of
pilgrim-related accounts also saw a 43% increase,
and overall funding in this segment grew by 6%
compared to last year.
30 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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HUMAN CAPITAL MANAGEMENT were conducted to assess strategic execution,
This year, Danamon reinforced its position as an strengthen internal controls, and follow up on audit
employer of choice by investing in future-ready recommendations issued by internal auditors,
banking professionals and enhancing capabilities external auditors, and supervisory authorities.
across the organization. The Danamon Bankers These reviews support continuous improvement and
Report
Management
Trainee (DBT) program remained our cornerstone reinforce accountability, as detailed further in the
in attracting and nurturing high-potential talents Corporate Governance chapter of this report.
from across Indonesia, embedding the Bank’s BISA
values—Berkolaborasi, Integritas, Sigap Melayani, TARGET AND REALIZATION
Adaptif—into the next generation of leaders. Throughout 2025, Danamon delivered sustained
growth across its business segments despite a
We strengthened capability building through challenging market. Consolidated loans rose 9.8%
expanded career development framework and talent YoY to Rp210.9 trillion, supported primarily by the
mobility initiative supported by MUFG and its partner EBFI segment, which recorded 14.0% YoY growth
banks. These initiatives provided broader exposure to Rp99.3 trillion. The SME segment continued
via cross-entity assignments, structured leadership positively with 6.5% YoY growth, while the consumer
development, and global learning opportunities. segment—particularly mortgages, personal loans,
Complementary platforms such as the Danamon and credit cards—expanded 9.6% YoY to Rp23.0
Leadership Academy, Corporate-Wide Learning, and trillion. In the mean time, Adira Finance posted a 1.9%
the Global Experience Talent Swap (GETS) program YoY lending growth to Rp63.4 trillion.
reinforced continuous learning and helped foster a
diverse and agile workforce. Asset quality remained solid, with the consolidated
gross NPL ratio improving to 1.7%, NPL Coverage
Guided by our employee value proposition “Let’s Ratio of 280.7%, and a positive trend in Loan-at-Risk
GROW”—Global Exposure, Rise to Excellence, Own (LAR), which declined to 8.3% from 10.6% last year.
Your Future, and Wellness & Well-being—Danamon
maintained its focus on creating an inclusive, Funding remained robust with total third-party funds
collaborative, and supportive workplace. This grew by 17.9% YoY to reach Rp182.3 trillion and
commitment earned Danamon its fourth consecutive CASA improved 18.0% YoY at Rp75.2 trillion,
inclusion in the HR Asia Best Companies to Work for demonstrating the Bank’s continued efforts to
in Asia 2025, along with the Bank’s first-ever HR Asia strengthen transactional banking and deepen
Most Caring Company Award—a testament to the customer engagement. Liquidity and capital positions
strength of our culture and employee engagement. also stayed strong, with a consolidated Capital
Adequacy Ratio (CAR) of 25.4% at the end of 2025—
DIRECTORS’ ROLES AND REVIEW PROCESS well above regulatory requirements.
The Board of Directors (BOD) played a central role
in guiding Danamon’s strategic direction throughout These fundamentals resulted in stronger profitability:
the year. In line with the Board of Director Charter, Net operating income increased to Rp5.5 trillion,
the BOD set strategic priorities and ensured their and Net Profit After Tax (NPAT) grew by 14.0% to
effective integration into the Bank’s corporate plans. Rp4.0 trillion. These results were reflected in improved
This governance framework provides the foundation returns, lifting ROA to 1.6% and ROE to 8.3%.
for consistent execution and alignment across
business functions. The following table provides a comparison between
Danamon’s prime lending rates and the average
Beyond strategy formulation, the BOD also oversaw interest rates in 2025:
the application of sound governance and compliance
practices, ensuring that all operations remained
aligned with Danamon’s long-term aspirations
and regulatory expectations. Regular reviews
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 31
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Prime Lending Rates As of December 31, 2025
Non MSME Loan MSME Loan Non
Data Period Mortgage
Corporate Retail Medium Small Micro Mortgage
Prime Lending Rate (%) 8.35% 8.85% 9.35% 9.35% N/A 8.00% 9.10%
Report
Management
Implementation of GCG Danamon has implemented integrity on financial
Danamon continued to enhance its commitment to reporting and conducted evaluation in 2025 based
Good Corporate Governance (GCG), recognizing on scope in Danamon’s ICoFR Journey. This
it as an essential foundation for responsible and implementation of evaluation scope will be carried
sustainable growth. In 2025, the Bank’s governance, out gradually in accordance with the Bank’s capacity
risk management, and compliance practices were and will be reported in the next reporting period.
strengthened further—an effort reflected in the
achievement of the Top GRC Award 4 Star (Very Good). SUSTAINABLE FINANCE: STRATEGY,
In addition, Danamon’s leadership was recognized as CHALLENGES, AND ACHIEVEMENTS
the Most Committed GRC Leader 2025, underscoring Sustainable finance remained a strategic priority in
the deeply embedded governance culture across the 2025 as Danamon advanced its role in supporting
organization. national sustainability goals and MUFG Group’s
global commitments. Guided by our Sustainability
GCG practices at Danamon remain anchored in Policy and Sustainable Finance Action Plan (SFAP),
the principles of transparency, accountability, Danamon continued progressing across five priority
responsibility, independency, and fairness. programs: Governance and Process, Awareness and
Regular assessments of governance structures Internal Capacity Building, Sustainable Financing,
and processes—including those within the MUFG Responsible Workplace Management (Achieving Net
Financial Conglomeration—help ensure alignment Zero on Own Operations by 2030), and Corporate
with regulatory expectations and global best Social Responsibility (CSR).
practices. Danamon also continued improving its
Whistleblowing System (WBS) through collaboration The Board led initiatives to strengthen climate
with an external independent party, reinforcing a alignment and sustainable business practice,
secure and confidential reporting mechanism that including improvements in greenhouse-gas emission
supports ethical conduct. monitoring and continued decarbonization efforts
toward achieving net-zero emissions from our
INTERNAL CONTROL OVER FINANCIAL operations by 2030. Our sustainable financing
REPORTING portfolio also maintained a positive growth, with
To ensure the accountability of the financial reporting increased financing to renewable energy and
and to align with POJK No. 15 year 2024 regarding transition-supportive sectors.
Integritas Pelaporan Keuangan Bank, Danamon is
committed to implement governance and internal Beyond financing, Danamon expanded financial
control within the reliable financial reporting process. literacy and women empowerment programs,
including support for ultra-micro women
In 2025, Danamon has established Special Unit entrepreneurs, reinforcing our role in inclusive
that centrally coordinates ICoFR shall be defined economic development. Collaboration with MUFG
as ICoFR Sub-Committee that responsible to the and group companies remained instrumental, with
Risk Management Committee (RMC). ICoFR Sub- platforms such as Net Zero School and MUFG Net
Committee consists of Risk Management, Compliance Zero World Jakarta 2025 supporting industry-wide
and Internal Control Department who is responsible dialogue on energy transition, ESG integration, and
for preventing fraud or manipulation in Danamon’s sustainable financing opportunities.
financial information and financial statements.
Danamon has developed the ICoFR Policy, ICoFR Looking ahead, Danamon will continue to strengthen
Guidelines, performed the materiality analysis its climate-risk integration in compliance with
of Danamon’s financial statement and financial SEOJK 14/2025 and preparing for PSPK 1 & PSPK 2
information, determined the ICoFR framework, and implementation, enhancing governance as the
conducted socialization to related stakeholders Operational FHC of MUFG FC in Indonesia, and
regarding ICoFR. aligning with MUFG’s sustainability direction—both
globally and locally.
32 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 35
STRATEGY FOR 2026 The Board extends its sincere appreciation to
In 2026, Danamon will continue to pursue its Mr. Hafid Hadeli and Mr. Muljono Tjandra for their
aspiration with a strengthened customer-centric dedicated service and meaningful contributions.
business model. Building on the progress achieved, These changes were endorsed at the Annual General
Danamon’s strategic focus will include: Meeting of Shareholders (AGMS) held on 21 March
Report
Management
• Continuing to Grow as a Financial Group 2025.
Danamon will strengthen collaboration with the
MUFG Group to offer a comprehensive range of The current Board of Directors comprises:
financial solutions that are well-connected and • President Director : Daisuke Ejima
tailored to customer needs. By working closely • Vice President Director : Honggo Widjojo Kangmasto
with other group companies, we aim to broaden • Director : Herry Hykmanto
our product offerings, reach more customers • Director : Rita Mirasari
across different segments, and ensure our • Director : Dadi Budiana
services remain relevant and valuable within our • Director : Thomas Sudarma
targeted ecosystem. • Director : Jin Yoshida
• Accelerating Process Improvement and Digital • Director : Yenny Siswanto
Transformation
To enhance execution excellence, the Bank will APPRECIATION TO EMPLOYEES,
embed data analytics, automation, and artificial CUSTOMERS, AND BUSINESS PARTNERS
intelligence across operations. These efforts aim The Board of Directors expresses its highest
to improve risk management, simplify processes, appreciation to our customers, shareholders, media
and elevate customer experience. Strengthening partners, and all stakeholders for their unwavering
the digital foundation will also support the Bank’s trust and support throughout 2025. Equal gratitude
scalability and competitiveness in Indonesia’s is extended to all Danamon employees for their
financial industry. dedication, collaboration, and contribution in
advancing the Bank’s strategy and performance.
Guided by these priorities, Danamon remains We also thank the Board of Commissioners for
committed to advancing its long-term aspiration their invaluable guidance and supervision, and
to grow as One Financial Group—bringing OJK, Bank Indonesia, and other regulators for their
sustainable value to customers, employees, continuous support in ensuring strong governance
shareholders, and communities. and sustainable growth.
CHANGES IN THE COMPOSITION OF THE Together with all stakeholders, Danamon remains
BOARD OF DIRECTORS committed to strengthening collaboration, enhancing
During 2025, Danamon recorded changes in the partnerships, and creating enduring value in the
composition of its Board of Directors. Mr. Hafid Hadeli years ahead.
concluded his tenure as Vice President Director,
while Mr. Muljono Tjandra completed his service as
Director. Subsequently, Ms. Yenny Siswanto was
appointed as a Director upon receiving approval
through the Fit and Proper Test conducted by OJK.
Daisuke Ejima
President Director
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 33
Page 36
BOARD OF DIRECTORS
Herry Hykmanto Dadi Budiana Yenny Siswanto Daisuke Ejima
Director Director Director President Director
Page 37
Honggo Widjojo Kangmasto Rita Mirasari Jin Yoshida Thomas Sudarma Vice President Director Director Director Director
Page 38
SHARIA SUPERVISORY BOARD
REPORT
Assalamu’alaikum Warahmatullahi Wabarakaatuh
Bismillaahirrahmaanirrahiim
Alhamdulillaahirabbil’aalamiin, all the praise and gratitude to Allah SWT due to all of His blessings, mercy, and
guidance upon all of us, so that Allah SWT enables us to carry out the duties and trust entrusted to us, we
convey our blessings and greetings to the Prophet Muhammad Shallallahu ‘Alaihi Wa sallam.
The Sharia Supervisory Board (SSB) of PT Bank Danamon Indonesia Tbk–Sharia Business Unit (Danamon
UUS) is entrusted with the responsibility of performing supervisory and advisory functions to the Board of
Directors to ensure that all business activities, products, and services of Danamon UUS are conducted in
compliance with Sharia principles.
In carrying out its duties and responsibilities, the SSB adheres to the prevailing provisions of the Financial
Services Authority regulations and circular letters (POJK and SEOJK) concerning the governance of Sharia
banks and Sharia business units, the fatwas issued by the National Sharia Board—Indonesian Council of
Ulama (DSN–MUI), as well as the applicable SSB Charter.
Throughout 2025, the SSB performed its supervisory role independently and on an ongoing basis through
regular SSB meetings, the review and issuance of Sharia opinions on product development as well as proposed
policies and procedures, and the monitoring of the implementation of Sharia principles in the operations of
Danamon UUS. SSB also coordinates effectively with management and relevant work units to ensure consistent
implementation of Sharia compliance.
Based on the supervision conducted, the Sharia Supervisory Board (SSB) is of the opinion that, in general, the
products, services, policies, and business activities of Danamon UUS have been carried out in accordance
with Sharia principles, DSN-MUI fatwas, and the applicable POJK and SEOJK regulations, and that there were
no material violations of Sharia principles during the reporting period. Recommendations conveyed by the SSB
have been adequately followed up by management as part of ongoing efforts to strengthen governance and
Sharia compliance.
Going forward, the SSB remains committed to continuously enhancing the quality of Sharia supervision and
supporting the effective implementation of Good Corporate Governance in order to promote the sustainable
growth of Danamon UUS in alignment with Sharia principles.
On this occasion, we would like to express our gratitude and appreciation for the cooperation and support of
the Board of Directors and the entire management of Danamon for the achievements in 2025 and their efforts
in maintaining the consistent application of Sharia principles in banking activities. In closing, let us always pray
to Allah SWT to grant us health, ease, and blessings in all our intentions and endeavors. May Danamon’s Sharia
Business Unit continue to achieve greater success and remain at the forefront in the future.
Danamon UUS will hopefully become even more successful in the future and remain at the forefront.
Aamiin Yaa Rabbal ‘Alamin.
Wassalaamu’alaikum Warahmatullahi Wabarakaatuh
On behalf of the Sharia Supervisory Board
Prof. Dr. M. Din Syamsuddin
Chairman of Syariah Supervisory Board
36 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 39
SHARIA SUPERVISORY BOARD
Prof. Dr. KH. Hasanudin, M.Ag Prof. Dr. M. Din Syamsuddin Dr. Asep Supyadillah, M.Ag.
Member for Sharia Supervisory Board Chairman of Sharia Supervisory Board Member for Sharia Supervisory Board
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 37
Page 40
DECLARATION OF RESPONSIBILITY
FOR ANNUAL REPORT
Report
Management
The following is a joint declaration by the Board of Commissioners and the Board of Directors on
responsibility for the 2025 Annual Report of PT Bank Danamon Indonesia Tbk.
We, the undersigned, testify that all information contained in the 2025 Annual Report of PT Bank Danamon
Indonesia Tbk has been presented in its entirety, and assume full responsibility for the accuracy of the
contents of the Company’s Annual Report.
This statement is hereby made in all truthfulness.
Jakarta, 6 March 2026
BOARD OF COMMISSIONERS
Yasushi Itagaki
President Commissioner
Halim Alamsyah Nobuya Kawasaki
Vice President Commissioner (Independent) Commissioner
Dan Harsono Peter Benyamin Stok Hedy Maria Helena Lapian
Commissioner Independent Commissioner Independent Commissioner
38 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 41
Report
Management
BOARD OF DIRECTORS
Daisuke Ejima
President Director
Honggo Widjojo Kangmasto Herry Hykmanto Rita Mirasari
Vice President Director Director Director
Dadi Budiana Thomas Sudarma Jin Yoshida Yenny Siswanto
Director Director Director Director
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 39
Page 42
SHARIA
SUPERVISORY BOARD
Report
Management
Chairman : Prof. Dr. M. Din Syamsuddin
Member : Prof. Dr. KH. Hasanudin, M.Ag
Member : Dr. Asep Supyadillah, M.Ag.
Declaration:
The members of Danamon’s Sharia Supervisory Board have declared they have no financial, management,
share ownership and/or family relationships with members of the Board of Directors, Board of Commissioners
and/or controlling shareholders, or other relationships with Danamon that may affect their ability to discharge
their duty as stated in their letter of appointment signed on May 26, 2025 and renewed every year.
Jakarta, 6 March 2026
Prof. Dr. M. Din Syamsuddin
Chairman of Sharia Supervisory Board
Prof. Dr. KH. Hasanudin, M.Ag Dr. Asep Supyadillah, M.Ag.
Member of Sharia Supervisory Board Member of Sharia Supervisory Board
40 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 43
Report
Management
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 41
Page 44
Profile
Company
03
COMPANY
PROFILE
PT Bank Danamon Indonesia Tbk
2025 Annual Report
42 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 45
Profile
Company
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 43
Page 46
DANAMON
AT A GLANCE
Danamon posted total consolidated assets
Profile
Company
of Rp275.7 trillion as of 31 December 2025.
Its shares are owned by MUFG Bank, Ltd.
(92.47%, directly and indirectly) and the
public (7.53%).
PT Bank Danamon Indonesia Tbk (IDX: BDMN) Consistent with its vision ”We Care and Enable Millions
was established in 1956. As of 31 December 2025, to Prosper,” Danamon and its group companies
Danamon recorded a consolidated total assets of and strategic partners recognize the importance of
Rp275.7 trillion with its subsidiary, Adira Finance. sustainability as an integral part of the growth and
In terms of share ownership, 92.47% of Danamon prosperity of society.
shares are owned by MUFG Bank, Ltd. (directly and
indirectly), while the remaining 7.53% are owned by Therefore, Danamon is also committed to supporting
the public. In serving customers across all business Indonesia in achieving net zero emissions by
lines, namely retail, small and medium enterprises, 2060 through various progressive efforts towards
and corporations, Danamon is supported by 1,238 sustainable finance, decarbonization initiatives, and
conventional and Sharia Business Unit, branches and green economy development. These initiatives are
Adira Finance. reflected in the Sustainability Finance Action Plan
(SFAP), which includes governance and process,
A subsidiary of MUFG, one of the world’s largest awareness and capacity building, sustainable
financial services groups, Danamon has strong financing, responsible workplace management, and
support from MUFG’s global network and its partner corporate social responsibility. Each of these pillars
banks: Krungsri in Thailand, Security Bank in the is designed to support sustainability principles
Philippines, and VietinBank in Vietnam. Further and ensure that every aspect of our operations
boosting Danamon’s strength is its local network contributes positively to the environment.
of group companies: Adira Finance, Home Credit
Indonesia, and Zurich Asuransi Indonesia, as well as In running its business and achieving goals aligned with
its strategic partners. the company’s vision and mission, Danamon upholds
its corporate values “BISA” that all its employees,
Together with MUFG, its group companies and management, directors, and commissioners ought
strategic partners, Danamon is committed to continue to live up to: Collaboration (Berkolaborasi), Integrity,
Growing Together as One Financial Group to become (Integritas), Customer Centric (Sigap Melayani), and
a more trusted, customer-centric, and innovative Adaptive (Adaptif).
financial partner and meet the aspirations of
shareholders, customers, employees, and regulators
by providing holistic financial solutions that allow
them to thrive together.
44 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 47
CORPORATE
IDENTITY
Company Name Latest Acrticle Of Association
PT Bank Danamon Indonesia Tbk Deed No. 122 dated March 21, 2025, drawn
Profile
Company
up before Mala Mukti, S.H., Lex Legibus
Magister, Notary in Jakarta, which has been
Core Business received and recorded in the Legal Entity
Banking Services Administration System Database of the Ministry
of Law of the Republic of Indonesia No. AHU-
Date of Establishment AH.01.03-0098123 dated 10 April 2025
16 July 1956
ISIN Code
Legal Basis of Establishment ID1000094204
Notarial deed No. 134 dated 16 July 1956 of
Meester Raden Soedja, S.H. ratified by the SWIFT Code
Minister of Justice of Republic of Indonesia in
its decission letter No. J.A.5/40/8 dated 24 April BDINIDJA
1957 and was published in Supplement No.664
to the State Gazette of Republic of Indonesia
No.46 dated on June 7, 1957 Business Permit
Letter from the Ministry of Finance of the
Custodian Bank Permit Republic of Indonesia No. 161259/U.M.II dated
Bapepam & LK Letter No. Kep-02/PM/Kstd/2002 30 September 1958
dated 15 October 2002
Foreign Exchange Bank Permit
Trustee Permit
Letter from Bank Indonesia No. 21/10/Dir/UPPS
Bapepam & LK Letter No. S-1600/PM/2000
dated 5 November 1988
dated 30 June 2000
Bursa Efek Sharia Banking Permit
Bursa Efek Indonesia Letter from the Directorate of Banking Licensing
and Information, Bank Indonesia, no. 3/744/
DPIP/Prz dated 31 December 2001
Business Identification Number
9120205531975 Tax Payment Bank Permit
Letter from the Directorate General of Taxation,
Nomor Pokok Wajib Pajak Ministry of Finance of the Republic of Indonesia,
No. S-480/PJ.9/1989 dated 7 September 1989
01.308.470.2-091.000
Head Office
Stock Exchange PT Bank Danamon Indonesia Tbk
Bursa Efek Indonesia
Menara Bank Danamon
Jl. H.R. Rasuna Said, Blok C No.10
Share Code Karet Setiabudi, Jakarta-Indonesia 12920
BDMN Indonesia
Phone : +6221 8064 5000
Global Intermediary Identification Number Subsidiary
(GIIN) PT Adira Dinamika Multi Finance Tbk
WZU780.99999.SL.360 Line of Business: Financing
www.danamon.co.id Head Office: Millenium Centennial Center Lantai
corporate.secretary@danamon.co.id 53rd, 53rd-61st floor
corporate.communications@danamon.co.id Jl. Jend. Sudirman Kav.25, Jakarta 12920
investor.relations@danamon.co.id Phone: +6221 3973 3232, 3973 3322
Fax: +6221 3973 4949
Association Membership E-mail: af.investor.relation@adira.co.id
• Naional Private Bank Association (Perbanas) af.corsec@adira.co.id
• Indonesia Public Listed Companies
Association (AEI)
• Indonesia Payment System Association
(ASPI)
• Bankers Association for Risk Management
(BARa)
• Indonesian Banker Association
INFORMASI KORPORASI INFORMASI INVESTOR KEPERLUAN SIARAN PERS
AKSES INFORMASI
Corporate Secretary Investor Relations Corporate Communications
Menara Bank Danamon
Jl. H.R. Rasuna Said Blok C No.10 Karet Setiabudi, Jakarta-Indonesia 12920
Phone : +622180645000 | FAX : +622180645030n30
17 TH FLOOR 21 ST FLOOR 11 TH FLOOR
corporate.secretary@danamon.co.id investor.relations@danamon.co.id corporate.communications@danamon.co.id
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 45
Page 48
OPERATIONAL
AREAS [POJK C.3]
Profile
Company
06
09
05
04
01
07
02 03
08
Danamon
Total Danamon has a network throughout Indonesia from Aceh to
Branches
361 Papua.
1,238 877
Danamon operates an extensive distribution network spread
ADMF out from Aceh to Papua, with 1,238 branches and service
outlets comprising conventional branches, sharia units, and
the branch networks of Adira Finance.
1 Jakarta Regional Office 6 Medan Regional Office
Covering Bekasi, Bogor, Cilegon, Jakarta, Karawang, Serang, Covering Asahan, Banda Aceh, Batam, Binjai, Bireuen,
Tangerang, South Tangerang, Depok. Deli Serdang, Karimun, Labuhan Batu, Langkat, Langsa,
Lhokseumawe, Medan, Nias, Padang Sidempuan, Pematang
2 Bandung Regional Office Siantar, Sibolga, Tanjung Balai, Tanjung Pinang, Tebing Tinggi.
Covering Bandung, Cianjur, Cimahi, Cirebon, Purwakarta,
Subang, Sukabumi, Tasikmalaya, West Bandung.
7 Semarang Regional Office
Covering Banyumas, Cilacap, Grobogan, Jepara, Kebumen,
3 Surabaya Regional Office Klaten, Kudus, Magelang, Pati, Pekalongan, Purbalingga,
Purworejo, Rembang, Salatiga, Semarang, Sleman, Surakarta/
Covering Banyuwangi, Blitar, Bojonegoro, Gresik, Jember, Solo, Tegal, Temanggung, Wonosobo, Yogyakarta, Sukoharjo.
Jombang, Kediri, Madiun, Malang, Mojokerto, Pamekasan,
Pasuruan, Sidoarjo, Surabaya, Tulungagung.
8 Denpasar Regional Office
4 Makassar Regional Office Covering Badung, Belu, Bima, Buleleng, Denpasar, Ende,
Gianyar, Jembrana, Kupang, Manggarai, Mataram, Sikka,
Covering Ambon, Banggai, Bau-Bau, Biak Numfor, Bitung, Bone, Sumbawa, Tabanan.
Bulukumba, Gorontalo, Gowa, Jayapura, Kendari, Kotamobagu,
Makassar, Manokwari, Manado, Merauke, Mimika, Morowali,
Nabire, Palopo, Palu, Pare-Pare, Pinrang, Sorong, Tana Toraja,
9 Palembang Regional Office
Ternate, Toli-Toli, Tomohon, Wajo. Covering Bandar Lampung, Bengkalis, Bengkulu, Bukit Tingi,
Dumai, Indragiri Hilir, Jambi, Lubuk Linggau, Metro, Ogan
5 Balikpapan Regional Office Komering Ulu Padang, Palembang, Pangkal Pinang, Pekanbaru,
Pringsewu, Rokan Hilir, West Tanjung Jabung.
Covering Balikpapan, Banjarbaru, Banjarmasin, Kota Baru, Berau,
Bontang, Bulungan, Ketapang, West and East Kotawaringin,
East Kutai, Melawi, Palangkaraya, Pasir, Pontianak, Samarinda,
Sambas, Sanggau, Singkawang, Sintang, Tarakan.
46 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 49
VISION
& &
MISSION
MISI [POJK C.1] [POJK C.1]
Profile
Company
VISION
We Care and Enable Millions to Prosper. Danamon believes that its
purpose is to care for others: its customers, employees, and society
at large, enabling them to thrive, grow, and achieve prosperity.
MISSION
Danamon seeks to realize its vision through its three • Positive employee attitudes such as the
missions, namely: following are required:
1. Danamon aims to become “Indonesia’s a. Adaptable, open and continuously
Leading Financial Institution” with a respected learning to respond to change.
presence. b. Understand and focus on personal and
• Danamon believes that its strength in human development.
financial intermediation in the economy 3. Our aspiration is to be the employer of choice
makes it a catalyst for wealth creation and and one that is respected by our customers,
prosperity. employees, shareholders, regulators and the
• To optimize its role in the economy, it is communities in which we operate.
imperative for Danamon to have a good • Danamon invests in building a culture that is
reputation and lead among other financial conducive to achieving its goals.
institutions, as: • Danamon builds collaborations with its
a. A business partner to its customers and stakeholders, both within and outside its
b. A contributing and caring member of neighborhood, to create contributions that
society. benefit their recipients, in places where they
2. A customer-centric organization that serves are most needed.
all segments by offering unique value to each,
based on sales and service excellence, and Review of Vision and Mission Statements:
supported by world-class technology. In 2025, Danamon reviewed the suitability of the
• In carrying out its roles, Danamon strives to Vision and Mission statements with the company’s
understand what each customer needs and condition and the various challenges it will face
responds accordingly. in the future. Based on it can be concluded that
• Danamon provides solutions to each need, the Vision and Mission statements are still in
uniquely, that no other financial institution in accordance with the current condition of Danamon
the industry provides and does so based on and the challenges ahead.
knowledge from research and technology.
• In doing so, Danamon focuses on service
processes that apply technology with care
and responsibility.
• It is important for Danamon employees to
satisfy their customers and act honorably
in providing services that will be valued by
society at large.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 47
Page 50
CORPORATE
VALUES
Profile
Company
Corporate Values
As a foundation for achieving its vision and mission, the
Company has established Corporate Values that must
be understood and implemented by all Employees,
Management, Directors, and Commissioners of Danamon
as a guide in behavior and in carrying out their duties
and responsibilities.
Collaboration Integrity
Leverage diversity as Consistently uphold
strength to achieve professionalism, openness,
shared goals. responsibility and ethics as
performance governance.
Customer Adaptive
Centric Keep developing
and improving
Providing the best self-potential to
services quickly, become the best.
promptly, and accurately.
48 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 51
CORPORATE LOGO
Profile
Company
01
02
03
01
DANAMON SYMBOL THE BEAMS OF A LIGHTHOUSE
Our symbol is inspired by the beams of a
lighthouse, comprising of two rays of light
that radiate outwards from a single source.
It represents our role in helping guide
consumers through the complexities of
financial services. It also symbolizes our
vision to help millions of people to prosper.
02
DANAMON LOGOTYPE
This is the corporate typeface that sits below the Danamon symbol. It is a specific
font and should be used in combination with the Danamon symbol as a single entity.
03
BUSINESS GROUP IDENTITY
According to OJK (Financial Services Authority) letter No. S-22/PB.32/2021
regarding the usage of business group identity by PT Bank Danamon Indonesia Tbk,
the Danamon logo is to be implemented together with its business group identity for
its marketing communication and advertising materials.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 49
Page 52
CORE
BUSINESS [GRI 2-6]
Profile
Company
PURPOSES AND OBJECTIVES AS WELL AS (iii) state treasury instrument and Government
BUSINESS ACTIVITIES bond;
(iv) certificate of Bank Indonesia (SBI);
Article 3 (v) bond;
(vi) promissory notes with a validity period of
According to Article 3 of Bank Danamon’s Articles of up to 1 (one) year;
Association as stated in Deed No. 88 dated 22 March (vii) other securities with a validity period of
2024, and approved by the Minister of Law and up to 1 (one) year;
Human Rights of the Republic of Indonesia based on e. transferring funds, both on its own interest or in
his decision No. AHU- H.01.03.0081738 dated 3 April the interest of the customers;
2024. Bank Danamon may engage in the following f. placing funds in, borrowing funds from, or
primary and secondary business activities to achieve lending funds to, another bank, both in writing,
these goals and objectives: with telecommunications facility and sight draft,
cheque or other facilities;
1. The purposes and objectives of the Company are g. receiving the payment of securities bill and making
to do business activities as a Commercial Bank. calculation with or among the third parties;
h. providing a place to store goods and securities;
2. Main Business Activities i. carrying out safekeeping activities in the interest
To achieve the purposes and objectives mentioned of another party under a contract;
above, the Company may carry out the following j. placing funds from one customer to another
main business activities: customer in the form of securities which is not
a. raising funds from the general public in the listed on the Stock Exchange;
form of savings/deposits i.e. demand deposits k. carrying out factoring activities, credit card
account, time deposits, deposit certificates, business and acting as a trustee;
savings and/or other forms which are similar l. carrying out activities in the field of foreign
to or comparable to them, either in the Rupiah currency in accordance with the provisions
currency or foreign currencies; stipulated by Bank Indonesia and Financial
b. extending loan, either long-term, middle-term, Services Authority;
or long-term or other forms of loan which are m. providing funding and/or carrying out other
usually extended in the banking world; activities under the Sharia principles, in
c. issuing promissory notes; accordance with the provisions of the applicable
d. purchasing, selling, or guaranteeing at its own laws and regulations;
risk or in the interest and by the order of the n. carrying out activities as a marketing agent
customers: for non banking productssuch as insurance,
(i) drafts including the drafts accepted by mutual funds, state bonds and other activities in
bank and the validity period of which is not accordance with the provisions thereof.
longer than the normal period of issuance
in the trade of the said instruments;
(ii) promissory notes and other commercial
papers, the validity period of which is not
longer than the normal period of issuance
in the trade of the said instruments;
50 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 53
Profile
Company
3. Supporting Business Activities
To support the main business activities of the
Company, the Company may carry out the
following supporting business activities:
a. purchasing collateral, either whole or a part,
through or outside the tender in the case
the debtor does not meet its obligations to
the bank, with the provisions that the said
collateral must be marketable within short
period;
b. acting as the founder and as the executive
board of pension funds in accordance with the
provisions of laws and regulations on pension
fund;
c. issuing various forms of letter of credit and
bank guarantee;
d. carrying out capital participation activity
in Bank or other companies in the field of
finance, such as leasing, venture capital,
credit card business, consumer financing,
Securities Company, insurance, settlement
and depository clearing house, in accordance
with the provisions of the applicable laws and
regulations;
e. carrying out temporary capital participation
activity to overcome the consequence of
credit failure, including the financial failure
under the Sharia principles, provided that such
participation must be withdrawn in accordance
with the provisions of the applicable laws and
regulations;
f. carrying out other supporting business
activities to support the main business
activities which is usually carried out by
Banks as long as they do not conflict with the
prevailing laws and regulations.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 51
Page 54
MILESTONES
Profile
Company
1956 1976 1989 2004 2005
Established Name changed to Becomes a publicly Acquisition of Adira Launching of new
PT Bank Danamon listed Company with Finance. Company Vision,
as Bank Kopra Indonesia. shares offered on Mission and Values.
Indonesia. the Jakarta Stock
Exchange.
2023 2022 2021
• Danamon and MUFG Bank jointly announce • Danamon launches the • Danamon launches the
a USD100 million investment in an Indonesia- Danamon JCB Precious D-Bank PRO application.
focused venture capital named “MUFG Credit Card. • Danamon Syariah launches
Innovation No. 1 Limited Investment Partnership” • Danamon, together with Digital Waqf service.
(Garuda Fun). Adira Finance, supported • Danamon with Grab launches
• Danamon launches the “Danamon Hadiah by MUFG, for the first time the Grab Visa credit card.
Beruntun” Program. sponsors the 2022 Indonesia
• To celebrate the 67th anniversary together with International Motor Show.
customer, Danamon organizes its first DXPO • Danamon reinaugurates the
event at Central Park Mall. Medan Putri Hijau Branch
• Danamon, PNM, and MUFG Bank set the stage Office in Medan and Pondok
for Indonesia’s First Sharia Social Financing. Indah Mall 2, Jakarta as the
• Danamon acquires Standard Chartered Bank Next Generation Branch
Indonesia Retail Credit Portfolio. concept.
2024
• Danamon through the Sharia Business Unit, • MUFG Bank, Ltd. (MUFG), in collaboration with
for the first time holds the Danamon Syariah PT Bank Danamon Indonesia Tbk (Danamon),
Travel Fair (DSTF). hosted the inaugural MUFG Net Zero World (MUFG
• The renewal of the Danamon logo is a N0W) 2024 in Jakarta.
commitment from Danamon together with • MOU signing between Krungsi and MUFG together
its Corporate group and strategic partners with Danamon, VietinBank and Security Bank to
to continue transforming as one financial enhance the capabilities of Krungsri ASEAN Link
group and becoming a more reliable financial as a cross-border business advisory to create an
partner. ecosystem that supports customers in developing
• Danamon introduces Danamon LEBIH PRO, their businesses in ASEAN.
which provides 9 currencies in 1 savings
account.
52 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 55
Profile
Company
2006 2008 2009 2013 2014 2015
Acquisition of Inauguration of Increase of share Issuance of a Launch of BISA Launch of
American Express Danamon Corporate ownership in Adira sustainability report iB Savings and Tabungan Bisa
Card Business in University. to 95%. certified by the Global BISA Qurban iB Umrah iB.
Indonesia. Reporting Initiative Danamon Syariah
(GRI). Savings.
2019 2018 2017 2016
• Danamon and Bank BNP • Investment of 40% of Launch of D-Connect, a digital Celebration of Danamon’s
complete merger. Danamon shares by MUFG Banking service for business 60th anniversary and
• MUFG Bank, Ltd. increases Bank, Ltd. people. inauguration of the new
stock investment in Danamon • Conditional agreement head office “Menara Bank
to 94%. to sell majority stake in Danamon.”
• Danamon completes sale Adira Insurance to Zurich
of majority stake in Adira Insurance Company Ltd.
Insurance to Zurich. • Launch of Danamon Syariah
• Danamon and MUFG Hajj Savings which has been
convene the first Business connected online with the
Matching Fair in Indonesia. Integrated Hajj Computerized
System (SISKOHAT).
2025
• D-Bank PRO #SelaluMenggoda comes with the latest • In commemoration of its 69th anniversary, Danamon launches a
version update, offering a variety of services for ease and Special Edition Helmet as a symbol of strength, resilience, and the
convenience in transactions with special features, such as: spirit of collaboration. This initiative is inspired by a meaningful
QRIS (no login required, just enter your m-PIN), 24/7 foreign philosophy: while a helmet does not fully eliminate risk, it gives the
exchange transactions, menu display customization, one- user courage. It protects and encourages one’s inner creativity.
screen financial monitoring, and some others. The helmet is not a symbol of collision, but rather a reflection of
• Danamon introduces a debit card for its Danamon LEBIH unity and care. This helmet is creatively designed in collaboration
PRO Savings account, the Danamon Global Currency Card. with local illustrator Tahilalats and produced by Cargloss.
• Relaunches the Danamon American Express® Gold Rose • In September 2025, the Danamon Corporate Website introduces
Gold Card – the first in Southeast Asia with a variety of new a new modern design that improves navigation and provides
rewards for travel, dining, and shopping #MyGoldRewards. seamless access to relevant information and products for every
• Launch of Mobile Branch with a more modern concept life stage.
called “Danamon on Wheels” focused on reaching • Danamon Syariah became the exclusive official banking partner
customers in areas with minimal banking access and providing digital financial solutions within the Muhammadiyah
supporting the business activities of Payroll Customers digital ecosystem, SatuMu.
or Communities that have partnered with Danamon. and
“Danamon on Wheels” is available in city of Jakarta, Bali,
Semarang, and Surabaya.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 53
Page 56
ORGANIZATION
STRUCTURE
Profile
Company
ANNUAL GENERAL
MEETING OF
SHAREHOLDERS
Board of
Syariah Supervisory Board
Commissioners
President Director
DAISUKE EJIMA
Integrated Corporate
Governance
Nomination & Corporate
Risk Monitoring
Audit Committee Remuneration Governance
Committee
Committee Committee
Syariah Director
HERRY HYKMANTO
Chief Internal Auditor
YENNY LINARDI
Syariah Funding Business
CREM Head Credit Audit Group Head Branch Audit Group Head
Head
INDRIANI P. SUSANTIO INDRA PRASETYA DWIKO YUNAYANTO
MERCI S. ADRIANI
Audit & Fraud Inv Strat
Syariah Strategic & Financing Product & Support Audit
SME Credit Head Dev Group Head
Business Head Group Head
HANDOJO PAMUDJI ANGGORO H.
REFITA R. ARIEF WENNY A. YUDOPRAYITNO
GUNADHARMA
Sharia Assurance & IT Audit & Analytics Group
Fraud Investigation Head
Sustainability Finance Head Head
ADI PURWANTORO
IQBAL MAULANA ANDRE HERMAWAN
Notes: *Acting for the time being.
54 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 57
Profile
Company
Board of Directors Committee
Integrated Risk
IT Steering Asset & Liabilities Risk Management Credit or Financing Credit or Financing
Management
Committee (ALCO) Committee Committee Committee Policy Committee
Committee
Compliance Director
RITA MIRASARI
Chief Financial Officer
THERESIA A. WIDJAJA
Regulatory Compliance & Global Alignment Head for
Head of Corporate Secretary Financial Planning Head
Advisory Head Finance
LIE CHEN ERWINDA WIJAYA
PALUPI A. IBRAHIM MASAYASU KITAYAMA
Regulatory Compliance & Procurement & Finance FOR
Head of Legal Counsel BPS Head
Assurance Head Head
SATYO H. WIBISONO SUSAN TEDJADINATA
LIE CHEN ANNEKE THIOFANNY
Head Of Financial Crime Tax & Payment Management
Financial Controller
Compliance Head
MASNYTHA MARPAUNG
RATIH DAMAYANTI YUSDIAN FARADIANA
Financial Shared Services
Head
RATNA S. HALIEM
Note : Directors Board of Management Division/Segment/Regions/Heads
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 55
Page 58
ORGANIZATION
STRUCTURE
Profile
Company
ANNUAL GENERAL
MEETING OF
SHAREHOLDERS
Board of
Syariah Supervisory Board
Commissioners
President Director
DAISUKE EJIMA
Integrated Corporate
Governance
Nomination & Corporate
Risk Monitoring
Audit Committee Remuneration Governance
Committee
Committee Committee
Risk Management Director Global Alliance Strategy Director
DADI BUDIANA JIN YOSHIDA
Sr. Credit Risk Officer - Portfolio, Policy & Analytics Executive Officer Business
Global Strategy Head
Enterprise Banking Head Collaboration
EDWARD F. MARBUN
SHEKY LEMASOA ADHE CHANDRA TOSHIYA SHOBAYASHI
Sr. Credit Risk Officer - Risk Modeling, Quant.Tech.& Environment Sustainability
Platform Collaboration Head
Enterprise Banking Analytics Head Finance Head
TOSHIHIRO SENOO
BUDI SETIAWAN* DWI SUSIYANTO ANDI S. WAHDI
Sr. Credit Risk Officer – Partnership &
Market & Liquidity Risk Head
EB Remedial Innovation Head
ADE PRIMA RATU BAGUS
RONCY SINAGA HENDRY SUNARYO
Credit & Enterprise Risk Information Risk Management
Management Head Head
RUSMIN BASUKI RONY I. KUSTENDRO
ORM Fraud & QA Head
KHO TJHING KIAN
Notes: *Acting for the time being.
56 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 59
Profile
Company
Board of Directors Committee
Integrated Risk
IT Steering Asset & Liabilities Risk Management Credit or Financing Credit or Financing
Management
Committee (ALCO) Committee Committee Committee Policy Committee
Committee
Information Technology &
Digital Director
YENNY SISWANTO
Chief Strategy Officer
REZA ISKANDAR
Corporate Planning & Investor IT Robotics, Digital Automation IT Business Partner, Analyst &
Relations Head and AI System Head Project Portfolio Mngt. Head
YOGI Z. ARIEF REISAN LESMANA FIRDODY I. FAIRAHMAD
IT Strategy & Architecture And BPR, Control & Compliance
Head of Agile Transformation
Payment Solution Head Head
VIVIAN WIDJAJA
HARY SUTEDJA SABRINA R. AZHAIRIE
IT Data Reporting & IT Digital Channels, Core &
Chief Marketing Officer
Risk System Head Integration System Head
LILY P. FOENG
RIO IRHANDI SASMITA ANTONY TAN
IT Production & Infrastructure
IT Cyber Security Head
Management Head
ABRIANTO ASCEIN GULTOM
BONDAN MULIAWAN
Chief Digital Officer
ANDREAS KURNIAWAN
Note : Directors Board of Management Division/Segment/Regions/Heads
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 57
Page 60
ORGANIZATION
STRUCTURE
Profile
Company
ANNUAL GENERAL
MEETING OF
SHAREHOLDERS
Board of
Syariah Supervisory Board
Commissioners
President Director
DAISUKE EJIMA
Integrated Corporate
Governance
Nomination & Corporate
Risk Monitoring
Audit Committee Remuneration Governance
Committee
Committee Committee
Enterprise Banking & Financial
Institution Director
THOMAS SUDARMA
Treasury Sales only
Treasury & Capital Market Head
JENNY WIDJAJA
Balance Sheet Mgt & Capital Treasury Retail & SME Sales EB Business Head EB Business Head
Market Head Head (Jakarta 1) (East Java)
DANU KRISNA ELY KUSTONO ROBERTO TRIO ELMI CHRISTINA
EB Business Head EB Business Head
Trading Head Treasury EBFI Sales Head
(Jakarta 2) (West & Central Java)
AUDY P. I. LUBIS MEIDAWATI TAN
ADELINE INGGRISARI FLINT INDRAWAN
Treasury Business Support EB Business Head EB Business Head
Head (Jakarta 3) (MNC)
HENCHE SURYANTO MUHAMMAD A. FATCHUR ANDI S. WAHDI
EB Business Head
(Origination & Collaboration) EB Business Head (Sumatera)
GUNAWAN TE & (Sulawesi & Kalimantan)
GUNAWAN TE*
Notes: *Acting for the time being.
58 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 61
Profile
Company
Board of Directors Committee
Integrated Risk
IT Steering Asset & Liabilities Risk Management Credit or Financing Credit or Financing
Management
Committee (ALCO) Committee Committee Committee Policy Committee
Committee
EB Business Management
Transaction Banking Head
Head
EDY SUPRIYANTO*
HASAN
EB Business Analyst Head
IFONNE MULJADI
EB Business Analyst Head
WIDIANTO OSADI
Financial Institutions Head
MARGARETHA SHERLY
Note : Directors Board of Management Division/Segment/Regions/Heads
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 59
Page 62
ORGANIZATION
STRUCTURE
Profile
Company
ANNUAL GENERAL
MEETING OF
SHAREHOLDERS
Board of
Syariah Supervisory Board
Commissioners
President Director
DAISUKE EJIMA
Integrated Corporate
Governance
Nomination & Corporate
Risk Monitoring
Audit Committee Remuneration Governance
Committee
Committee Committee
Vice President Director
HONGGO WIDJOJO
KANGMASTO
Head of SME Business
AGUS PRATAMA
Consumer Funding & Business Operational Risk
Branch Network Head
Wealth Business Head & Control Head
EKA DINATA
IVAN A. JAYA ANTONIUS H. DANANG
Consumer Lending Service Excellence &
Business Head Customer Care Head Customer Experience Head
ENRIKO SUTARTO MELISSA* MIREILLE MAKMUR
Japan Desk Head For
Consumer
MASASHI YOSHIKAWA
Notes: *Acting for the time being.
60 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 63
Profile
Company
Board of Directors Committee
Integrated Risk
IT Steering Asset & Liabilities Risk Management Credit or Financing Credit or Financing
Management
Committee (ALCO) Committee Committee Committee Policy Committee
Committee
Operations only
Chief Human Capital &
Operations Officer
EVI DAMAYANTI
Talent Acquisition, Employer Employee & Industrial
Centralized & Share Services
Branding, Performance Relations, HC FOR &
Operations Head
& Culture Head Governance Head
VICTORIA DINI RUWIASTUTI
WIDYARINI UTAMI ABDUL HADI
Operation Control, Policy & HC Business Partner &
Rewards Head
Reporting Head HC Region Head
ROY F. PERMANA
CHARLES N. SITUMORANG NESLIE C. WAROUW
Learning, Engagement & Org. Dev, Talent Mngt, HCD
Loan & Trade Operation Head
Corporate University Head & Enabler Head
JULIANDO MENACHEM
CHRISTIAN TANUWIJAYA MAIZA D. YANTI
HC Shared Services Head
YOSE R. LEANDER
Note : Directors Board of Management Division/Segment/Regions/Heads
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 61
Page 64
BOARD OF COMMISSIONERS
PROFILE
Profile
Company
Japanese Citizen.
Yasushi
61 years old. Domiciled in Japan.
LEGAL BASIS OF APPOINTMENT
Itagaki
Appointed as President Commissioner in the Annual General
Meeting Shareholders on 31 March 2023.
QUALIFICATIONS/EDUCATION BACKGROUND
President Commissioner Graduated with a Bachelor of Laws Degree from Kyoto
University in 1987.
WORK EXPERIENCES
Currently, Itagaki is the Senior Managing Corporate
Executive, Group Chief Operating Officer - International
(COO-I), Group Head of Global Commercial Banking
(GCB) Business Group - Mitsubishi UFJ Financial Group.
Inc (June 2023 - present) and a member of the Board of
Directors, Deputy President (Representative of the Board of
Directors), Chief Executive of GCB Business Unit, COO - I -
MUFG Bank. Ltd. (June 2023 – present).
Previously, Itagaki served as President Director (October
2019 - March 2023) and Director (March 2018 – October
2019) of PT Bank Danamon Indonesia Tbk. Itagaki served as
the Managing Executive Officer and Deputy Chief Executive
of the Global Commercial Banking Business Unit of MUFG
Bank and Executive Officer of MUFG. Prior to his position
above, Itagaki was the General Manager of the Global
Planning Division where amongst his many roles, he was
responsible for strategic planning in support of the Bank’s
global expansion. Over the course of his career with the
firm, Itagaki has held a number of important roles with
increasing levels of responsibility. Itagaki was based in
Singapore from 2013 to 2015 where he set up the Bank’s
regional headquarters for Asia & Oceania and assisted the
Regional CEO in developing and executing key strategic
initiatives for the region.
Among the many important contributions of Itagaki to the
development of MUFG’s business platform, he designed
grand picture and strategized ASEAN commercial banking
network. Throughout his career at MUFG, Itagaki has played
a significant role in the strategic partnership into Krungsri
Bank, Security Bank, Vietin Bank, and Bank Danamon in
ASEAN region. Other leadership positions held by Itagaki
included Chief Manager of the Global Planning Division of
MUFG Bank, where he was involved in the privatization of
Union Bank of California and led the execution process of
MUFG’s strategic investment in Morgan Stanley during the
global financial crisis. Itagaki began his career with the Bank
of Tokyo in 1987.
62 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 65
Profile
Company
Indonesian Citizen.
Halim
68 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Alamsyah
Appointed as Vice President Commissioner (Independent)
in the Annual General Meeting Shareholders on 31 March
2023.
Vice President Commissioner (Independent) QUALIFICATIONS/EDUCATION BACKGROUND
Doctoral Degree from University of Indonesia, Monetary
Economic (2004 - 2008), Master of Arts in Development
Economics, Boston University, USA (1983 - 1985), Bachelor’s
Degree from University of Gadjah Mada, Indonesia, Faculty
of Law (1976 - 1981) and Bachelor’s Degree from University
Islam Indonesia, the Faculty of Economic Management
(1975 - 1980).
WORK EXPERIENCES
Currently, Halim Alamsyah serves as Audit Committee
Member PT Sinar Mas Multiartha Tbk (2021 - present).
Previously, Halim Alamsyah served as Independent
Commissioner of PT Bank Danamon Indonesia Tbk (August
2021 – March 2023), President Commissioner of PT Indosat
Tbk (December 2021 – May 2025), Advisor to Prudential
Sharia (2021 – 2023) and Advisor in Finance and Sharia
Finance to the Ministry of Finance of the Republic of
Indonesia (October 2020 – April 2024).
Halim Alamsyah is a well-known and well-respected
individual in the regulatory area of the Indonesia financial
industry. He was trusted by the Government of Indonesia
as Chairman Commissioner of the Indonesia Deposit
Insurance Corporation/ Lembaga Penjamin Simpanan
(LPS) (September 2015 - September 2020). In view of his
extensive experience in Bank Indonesia and his excellence
performance, Halim Alamsyah was appointed by the
President of the Republic of Indonesia and Indonesia House
of Representative to carry out the mandate as Deputy
Governor of Bank Indonesia (June 2010 - June 2015). He
was also appointed by the President of the Republic of
Indonesia as Member of Board of Commissioner of Indonesia
Financial Services Authority ex-officio representing Bank
Indonesia (July 2012 – June 2015). In 1982, Halim Alamsyah
started his career at Bank Indonesia as a Credit Analyst at
Credit Cooperative Division. He later dedicated himself in
the economic, monetary and banking research for more
than two decades. His assignments included Head of Office
of the Governor of Bank Indonesia, Executive Director of
Economic and Monetary research, and Executive Director
of Banking Research and Supervision Bank Indonesia.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 63
Page 66
BOARD OF COMMISSIONERS
PROFILE
Profile
Company
Japanese Citizen.
Nobuya
53 years old. Domiciled in Singapore.
LEGAL BASIS OF APPOINTMENT
Kawasaki
Appointed as Commissioner of Company in the
Extraordinary General Meeting of Shareholders on 1 October
2019. Reappointed as Commissioner in the Annual General
Meeting of Shareholders on 31 March 2023.
Commissioner
QUALIFICATIONS/EDUCATION BACKGROUND
Bachelor of Mechanical Engineering from Keio University
(1995) and Master of Mechanical Engineering from Keio
University (1997).
WORK EXPERIENCES
Kawasaki is Chief Executive for Asia Pacific, Managing
Executive Officer, MUFG Bank, Ltd (April 2025 – present),
Director of Ascend Money (June 2024 - present), Director of
Globe Fintech Innovation, Inc (2024 – present) and Director
of Silvrr Technology Co., Ltd (December 2022 – present).
With over 20 years of experience at MUFG Bank, Kawasaki
has developed strong M&A and Investment banking
expertise. Previously served as Director of Security Bank
Corporation (April 2023 – Mei 2025), Executive Officer,
Deputy Group Head of Global Commercial Banking Business
Group, MUFG Bank, Ltd (April 2023 – April 2025), Executive
Officer and Managing Director, Head of Global Commercial
Banking Planning Division, MUFG Bank, Ltd (April 2021 –
March 2023) responsible for developing, communicating,
executing, and sustaining inorganic strategic initiatives.
He served as Managing Director, Deputy Head of Global
Commercial Banking Planning Division at MUFG Bank, Ltd
(August 2019 – March 2021), Managing Director of Global
Commercial Banking Planning Division MUFG Bank Ltd,
Singapore (August 2018 - August 2019), Managing Director
of Planning Division for Asia & Oceania MUFG Bank, Ltd,
Singapore (September 2013 - August 2018), Managing
Director, Vice President of Mitsubishi UFJ Morgan Stanley
Securities, Japan (October 2006 - September 2013) and
was one of the founding members of the Credit Portfolio
Management Division the Bank of Tokyo Mitsubishi Ltd,
Japan (October 2005 - October 2006). Kawasaki was in
charge of securitization business at Mitsubishi Securities,
Japan, (October 2002 - October 2005). Kawasaki had a
career in the Associate Product Development Division the
Bank of Tokyo Mitsubishi Ltd, Japan (September 1998 -
October 2002) and Associate Marunouchi Branch the Bank
of Tokyo Mitsubishi Ltd, Japan (April 1997 - September
1998).
64 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 67
Profile
Company
Thai Citizen.
Dan
65 years old. Domiciled in Thailand.
LEGAL BASIS OF APPOINTMENT
Harsono
Appointed as Commissioner of Company in the Annual
General Meeting of Shareholders (AGMS) on 30 April 2021.
Reappointed as Commissioner in the AGMS on 31 March
2023.
Commissioner
QUALIFICATIONS/EDUCATION BACKGROUND
Master of Business Administration (MBA) in Finance and
Marketing from Indiana University, Bloomington, IN, USA
(1984) and Bachelor’s Degrees with Honors in Electrical
Engineering and Biomedical Engineering from the University
of Southern California, Los Angeles, CA, USA (1982).
WORK EXPERIENCES
Currently, Dan Harsono serves as Commissioner of
PT Home Credit Indonesia (October 2023 – present),
Chairman of HC Consumer Finance Philippines, Inc. (June
2023 – present), Chairman of Member Council SHBank
Finance Co., Ltd. (Vietnam) (April 2023 - present) and
Advisor to MUFG Bank, Ltd (April 2021 - present).
He has extensive experience in the business management
and financial services area. Dan Harsono previously held the
position of Director of Alliance Ayudhya General Insurance
PCL (March 2023 – February 2025), Director Alliance
Ayudhya Assurance PCL (January 2022 – February 2025),
Advisor to Hattha Bank Public Company Limited (January
2023 – December 2024), Advisor to Krungsri Leasing
Service Co., Ltd. (January 2021 – December 2024), Advisor
to SB Finance Company, Inc (Philippines) (January 2021 –
December 2024), Senior Advisor and/or M&A Specialist at
Bank of Ayudhya Public Company Limited (January 2021 –
December 2024), Director of Pak Sabai Co., Ltd (January
2020 – January 2024), Director of Aetna Health Insurance
(Thailand), PCL, (May 2022 – February 2023) and also has
experience as Chairman of Hattha Bank PLC (September
2016 - December 2022). Dan Harsono also has held various
important positions at the Bank of Ayudhya PCL (Krungsri),
namely: Chief Marketing Officer, Head of Marketing and
Cross Sell, Head of Marketing and International Business
Development, Head of Marketing and Branding, and Head
of Retail and Consumer Banking. Before joining Bank
of Ayudhya PCL (Krungsri), Dan Harsono worked at GE
Money Asia Regional Office in Bangkok, Thailand, with
his last position as Chief Marketing Officer. Dan Harsono
successfully managed GE Capital Thailand during the ‘Tom
Yam Gung’ financial crisis in 1997 - 2001.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 65
Page 68
BOARD OF COMMISSIONERS
PROFILE
Profile
Company
Indonesian Citizen.
Peter
76 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Benyamin Stok
Appointed as Independent Commissioner of Company in
the Annual General Meeting of Shareholders (AGMS) on 20
March 2018. Reappointed as Independent Commissioner in
the AGMS on 31 March 2023.
Independent Commissioner
QUALIFICATIONS/EDUCATION BACKGROUND
Bachelor of Economic from University of Padjajaran,
Bandung, Indonesia (1989).
WORK EXPERIENCE
Peter Benyamin Stok is a renowned banker with over four
decades of extensive experience in the banking industry.
His proficiency in managing and supervising banks through
various business cycles has enabled him to deliver value
creation and valuable contributions not only to the banks
he worked for, but also to the banking industry as a whole.
His strong leadership and ability to bring a harmonious
working relationship amongst stakeholders has earned him
a lot of admiration and respect. He joined to the team of
OJK’s prestigious ‘Fit and Proper Test’ panel that interviews
candidates for Banking Commissioner and Director roles
(2016 – 2018). This is an important assignment, which
determines the leadership and future of Indonesian banking
industry.
Previously he served as the President Commissioner of
PT Bank Negara Indonesia (Persero) Tbk (2009 – 2015),
Commissioner of Bank Permata (2008 -2009), President
Director of PT Bank Niaga Tbk (now PT Bank CIMB Niaga
Tbk) (2000 – 2006). He served as President Director Bank
Dagang Negara (1999 – 2000), He served as President
Commissioner of PT Bank Danamon Indonesia Tbk (1998
– 1999), Vice President Director Bank Pelita (1997 – 1998),
Vice President Director (1994 – 1997) and Director (1991 –
1994) PT Bank Niaga Tbk (now PT Bank CIMB Niaga Tbk).
He started his banking career as a management trainee,
and he rose rapidly to assume important roles in several
prominent banks.
66 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 69
Profile
Company
Indonesian Citizen.
Hedy Maria
67 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Helena Lapian
Appointed as Independent Commissioner of Company
in the Extraordinary General Meeting of Shareholders
on 26 November 2020. Reappointed as Independent
Commissioner in the Annual General Meeting of
Independent Commissioner Shareholders on 31 March 2023.
QUALIFICATIONS/EDUCATION BACKGROUND
Master of Business Administration (MBA) from Joseph M.
Katz Graduate School of Business University of Pittsburgh,
USA, 1983 and bachelor’s degree in management,
Parahyangan Catholic University Bandung, 1977.
WORK EXPERIENCE
Currently, Hedy Lapian also serves as Independent
Commissioner of PT Supra Boga Lestari Tbk (May 2022 -
present).
Before joining the Company, Hedy Lapian served as Crisis
Management Advisor (April 2020 – June 2020) and Human
Resources Director of PT Bank CIMB Niaga Tbk (April 2016
- April 2020), Independent Commissioner of PT Asuransi
Tokio Marine Indonesia (October 2015 - March 2016),
Director SRO (covering credit risk and risk management)
of Bank DBS Indonesia (May 2014 - August 2014), Risk
Management Director of PT Bank Internasional Indonesia
Tbk (July 2010 - March 2014). She served as Commercial
Director of PT Bank Barclay Indonesia (January 2009 - June
2010) with primary responsibility to set up and start the
Corporate, Commercial, SME, Financial Institution, Trade
and Cash Management units for the newly set up Bank.
Prior to Barclays, she was the Country Head, Corporate and
Institutional Banking at ABN Amro Bank N.V., (September
2007 - December 2008). Then she served as Director &
CFO of PT AIG Life (2001 - 2006), at the time the insurance
company with the largest profits in Indonesia. She served
as Managing Director of Corporate and Investment Banking
of PT Bank Internasional Indonesia Tbk (March 2000
- December 2001), Director of American Express Bank
(1994 – 2000). She also served on several non-executive
positions at ING Indonesia Bank, American Express TRS,
Standard Chartered Bank and Bank of Trade, San Francisco.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 67
Page 70
BOARD OF DIRECTORS
PROFILE
Profile
Company
Japanese Citizen.
Daisuke
57 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Ejima
Appointed as President Director Company at the Annual
General Meeting Shareholders on 31 March 2023.
QUALIFICATION/EDUCATION BACKGROUND
President Director Bachelor of Economics, University of Tokyo, Japan (1991),
Master of Business Administration, University of Michigan’s
Ross School of Business, USA (2001)
WORK EXPERIENCE
Currently, Ejima also serves as President Commissioner of
PT Adira Dinamika Multi Finance Tbk (April 2023 – present).
Before joining the Company, Ejima was appointed and
served as the Regional Executive for MUFG Bank in the
Asia Pacific region. Ejima was responsible for MUFG’s
entire Asia businesses and operating platforms across 18
markets in the region and was based in Singapore. Prior to
this appointment, he was the Country Head of Indonesia for
MUFG Jakarta Branch, a role he assumed in January 2018
- 2022. Under his stewardship, MUFG was able to raise
its profile as one of the largest foreign banks in Indonesia
while deepening business performance and operational
resilience.
Before relocating to Indonesia, Ejima was a Deputy General
Manager of Corporate Banking Division for Asia & Oceania
since March 2015. Based in Singapore, he was responsible
for the promotion of corporate banking business with global
and regional clients in Southeast Asia and Oceania region.
Ejima is an experienced corporate banker who has held
roles in both Japanese and Global Corporate Banking. After
honing his expertise in the Japanese Corporate Banking
Group of The Bank of Tokyo Mitsubishi’s New York Branch
in the early 2000s, Ejima moved to the U.S. Corporate
Banking Group, where he continued to be based in New
York. Before Ejima began his assignment in Singapore in
March 2015, he was the Head of Global HR Office at the
bank’s headquarters in Tokyo from 2013 to 2015.
Ejima began his banking career in 1991 with The Mitsubishi
Bank, Ltd. He briefly left the Bank to serve as Section Chief
of Japan’s Ministry of Finance’s International Research
Department, Custom & Tariff Bureau. He re-joined The
Bank of Tokyo-Mitsubishi, Ltd. as Manager of the Industry
Research Department within the Research Division. .
ROLES AND RESPONSIBILITIES
Coordinate all the Directors as well as directly manage
and supervise: SKAI, Treasury Capital Market, Corporate
Strategy, Human Resources, Finance and Adira Finance.
68 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 71
Profile
Company
Indonesian Citizen.
Honggo
59 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Widjojo
Appointed as Vice President Director of Company at the
Extraordinary General Meeting of Shareholders on 1 October
2019. Reappointed as Vice President Director at the Annual
Kangmasto General Meeting of Shareholders on 31 March 2023.
QUALIFICATION/EDUCATION BACKGROUND
Graduated with a bachelor’s degree from Sam Ratulangi
Vice President Director
State University majoring in Social Economics of Fisheries
in 1988 and received his MBA degree from Royal Melbourne
Institute of Technology in 1994.
WORK EXPERIENCE
Currently, Honggo also serves as Commissioner of
PT Adira Dinamika Multi Finance Tbk (March 2025 –
present).
Honggo is a seasoned banker with 37 years of experience
and has a wealth of knowledge in the banking and financial
industry. He has served as President Commissioner at
PT Bank DKI (2015 - 2018), President Commissioner of
PT Pembangunan Jaya Ancol Tbk (2016 - 2017), Managing
Director PT Bank Negara Indonesia (Persero) Tbk (2010
– 2015), Managing Director PT Bank Permata Tbk (2008 -
2010) and Managing Director PT Indofood Sukses Makmur
Tbk (2006 – 2007).
He spent approximately 6 years at PT Bank Mandiri (Persero)
Tbk (2000 - 2006). He was given responsibility in the areas
of Retail Banking, Distribution & Network and Commercial
Banking with latest position as EVP Cordinator and Board
of Management of PT Bank Mandiri (Persero) Tbk. He was
also assigned as Commissioner of PT Mandiri Sekuritas
(2003 - 2006). Previously as VP and Head of Corporate
Banking PT Bank International Indonesia Tbk (1996 - 2000)
and PT Bank Central Asia Tbk with latest position as Head
of Regional Credit Department (1988 - 1996).
ROLES AND RESPONSIBILITIES
Consumer Banking Group, Branch Network, Small Medium
Enterprise (SME), Operations and subsidiary company -
Adira Finance.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 69
Page 72
BOARD OF DIRECTORS
PROFILE
Profile
Company
Indonesian Citizen.
Herry
57 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Hykmanto
Appointed as Director of Company at the Annual General
Meeting of Shareholders (AGMS) on 3 April 2008.
Reappointed as Director at the AGMS on 31 March 2023.
Director QUALIFICATIONS/EDUCATION BACKGROUND
Obtained Bachelor’s Degree from Padjadjaran University,
Bandung.
WORK EXPERIENCE
Joined the Company as Head of Transaction Banking In
2003. Previously worked as Senior Cash Management &
Trade Business Development Manager Standard Chartered
Indonesia (2000 - 2003), Bank Universal with his last
position as International Operation Head (1992 - 2000). The
first Indonesian banker to hold international certification in
letter of credit from the International Chamber of Commerce
France in 1998.
ROLES AND RESPONSIBILITIES
Sharia Banking, SME Credit, Sustainable Finance, Corporate
Real Estate Management (CREM)
70 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Profile
Company
Indonesian Citizen.
Rita
56 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Mirasari
Appointed as Director of Company at the Extraordinary
General Meeting of Shareholders (EGMS) on 7 September
2016. Reappointed as Director at the Annual General
Meeting of Shareholders (AGMS) on 31 March 2023.
Director
QUALIFICATIONS/EDUCATION BACKGROUND
Obtained Bachelor of Law from University of Indonesia.
WORK EXPERIENCE
Before joining the Company, served as Director of
Regulatory Compliance & Financial Crime Compliance at
The Hongkong Shanghai Banking Limited (HSBC Indonesia)
(2013-2016), Director of Legal, Compliance, and Corporate
Secretary at PT Bank Internasional Indonesia Tbk (now PT
Bank Maybank Indonesia Tbk) (2009-2013), Director of
Country Compliance Representative at ABN AMRO Bank NV
Indonesia (2006 – 2009) and Compliance Director, Country
Head Legal & Compliance at Standard Chartered Bank
Indonesia (1998-2006). Rita started her banking career in
1991.
ROLES AND RESPONSIBILITIES
Compliance, Financial Crime Compliance, Corporate
Secretary, Legal and Litigation.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 71
Page 74
BOARD OF DIRECTORS
PROFILE
Profile
Company
Indonesian Citizen.
Dadi
60 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Budiana
Appointed as Director at the Annual General Meeting of
Shareholders (AGMS) on 20 March 2018. Reappointed as
Director at the AGMS on 31 March 2023.
Director QUALIFICATIONS/EDUCATION BACKGROUND
Obtained a Bachelor of Arts in Economics from Binghamton
University, USA.
WORK EXPERIENCE
Joined the Company in 2017. Previously served in HSBC
Group including President Commissioner of PT HSBC
Securities Indonesia since 2016, Chief Risk Officer of
PT Bank Ekonomi Raharja Tbk since 2014. Held several
senior positions such as Senior Vice President in Business
Banking, Human Resources, Global Banking, Credit Risk
Management at HSBC Indonesia since 1998.
He started his career as Management Trainee at PT United
Overseas Bank Bali and then at PT Bank Modern Tbk before
joining HSBC Indonesia.
ROLES AND RESPONSIBILITIES
Risk Management
72 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 75
Profile
Company
Indonesian Citizen.
Thomas
58 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Sudarma
Appointed as Director of Company in the Annual General
Meeting of Shareholders (AGMS) on 25 March 2022.
Reappointed as Director at the AGMS on 31 March 2023.
Director QUALIFICATIONS/EDUCATION BACKGROUND
MBA in Marketing & Finance, California State University,
Los Angeles, California (1995) and Bachelor of Science in
Finance, Portland State University, Portland, Oregon (1990).
WORK EXPERIENCE
Head of Enterprise Banking and Financial Institution (EBFI)
of Company since 2019. While leading the EBFI business,
Thomas has been an instrumental leader in delivering
business results as well as developing internal capabilities.
Thomas has more than 30 years of experiences in the
banking industry. Before joining Company, Thomas joined
Bank HSBC with his latest position as Head of Corporate
Banking (2015 - 2018). Thomas also had a career at CIMB
Niaga where he served as the Head of Corporate Banking
(2012 - 2014) and Head of Trade Finance (2012 - 2013).
ROLES AND RESPONSIBILITIES
Enterprise Banking & Financial Institution, Transaction
Banking and Treasury Sales.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 73
Page 76
BOARD OF DIRECTORS
PROFILE
Profile
Company
Japanese Citizen.
Jin
51 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Yoshida
Appointed as Director of the Company at the Annual General
Meeting of Shareholders on 22 March 2024.
QUALIFICATIONS/EDUCATION BACKGROUND
Director Obtained Bachelor of Law from University of Gakushuin
(1997).
WORK EXPERIENCE
Before joining the Company, served as Director, Chief of
Business Alliances Strategy PT Adira Dinamika Multifinance
Tbk (August 2020 - March 2024), Managing Director, Head
of Planning Department of Japanese Corporate Banking
for Americas, MUFG Union Bank, New York (January 2017
- August 2020), Director of Corporate Banking Group,
Bank of Tokyo Mitsubishi UFJ London (July 2011 - January
2017), Manager of Corporate Banking Group, Bank of Tokyo
Mitsubishi UFJ Nagoya (October 2007 - July 2011), Manager
of Corporate Banking Group, Bank of Tokyo Mitsubishi
Tokyo (September 2004 - October 2007), Group Leader
of Treasury Department, Bank of Tokyo Mitsubishi Jakarta
(June 2001 - September 2004)
ROLES AND RESPONSIBILITIES
Global Alliance Strategy and Financial Conglomerate
74 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Profile
Company
Indonesian Citizen.
Yenny
51 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT
Siswanto
Appointed as Director of the Company at the Annual General
Meeting of Shareholders on 21 March 2025.
QUALIFICATIONS/EDUCATION BACKGROUND
Director Obtained Bachelor of Business from Edith Cowan University,
Australia.
WORK EXPERIENCE
Joined the Company in 2023, serving as Chief of
Information Technology and Operations Officer (October
2023 – March 2025), acting Chief Operating Officer (April
2023 – September 2023), and Chief Information Officer
(January 2023 – September 2023).
Prior to joining the Company, Yenny had experience as
Head of Information Technology (February 2016 – January
2023), Head of Technology Infrastructure (July 2010 –
February 2016) of PT Bank CIMB Niaga Tbk, also as Head
of Application Development (February 2010 – July 2010),
Head of Technology Infrastructure Management (October
2005 – January 2010) of PT Bank Maybank Indonesia
Indonesia Tbk, Head of Corporate Banking Technology
and Business Information Security Officer (December 2004
– September 2005), Technology Business Relationship
Manager (December 1999 – November 2004) of Citibank
Indonesia and System Development Unit Head and Call
Center Manager (January 1996 – November 1999) of
PT Bank Internasional Indonesia (BII).
ROLES AND RESPONSIBILITIES
Information Technology and Digital.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 75
Page 78
SHARIA SUPERVISORY BOARD
PROFILE
Profile
Company
Indonesian Citizen.
Prof. Dr. M. Din
67 years old. Domiciled in Indonesia.
He has been serving as Chairman of Syariah Supervisory
Syamsuddin
Board, Syariah Business Unit the Company since 2002 and
reappointed with the same position in the Annual General
Meeting of Shareholders on 31 March 2023.
QUALIFICATIONS/EDUCATION BACKGROUND
He earned his Bachelor degree from IAIN Syarif Hidayatullah,
Jakarta (1979), and earned his M.A. (1988) and Ph.D from
Chairman of Syariah Supervisory Board the University of California Los Angeles (UCLA), USA (1991).
WORK EXPERIENCE
He is Professor of Islamic Politics, UIN Jakarta. Honorary
President Religions for Peace Asia (2020 - present),
Member of Senior Fellows Royal Aal Al-Bayt Institute for
Islamic Thought, Jordan (2013 – present),Founder and
Chairman of the Center for Dialogue and Cooperation
among Civilizations (2007 – present), Member of the
Group for Strategic Vision “Russia - Islamic World” (2006 -
present), Chairman of the World Peace Forum (WPF) (2006
- present), Special Envoy of the President of the Republic
of Indonesia for Interfaith and Intercultural Dialogue and
Cooperation (2017 - 2018), Chairman of MUI Advisory
Council (2015 - 2020), Member of the Advisory Board
Member of the King Abdulaziz International Center for
Interreligious and Intercultural Dialogue (KAICIID) Austria
(2015 - 2020), Member of the Leadership Council of the
United Nation Sustainable Development Solutions Network
(2015 – 2019), Co-President World Conference of Religions
for Peace (WCRP) (2006 - 2020), General Chairman of PP
Muhammadiyah (2005 - 2015) and President-Moderator of
the Asian Conference of Religions for Peace (ACRP) (2007
– 2020).
76 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Profile
Company
Indonesian Citizen.
Prof. Dr. KH.
64 years old. Domiciled in Indonesia.
He has been serving as Member of Sharia Supervisory
Hasanudin,
Board, Sharia Business Unit of the Company since 2002 and
reappointed with the same position in the Annual General
Meeting of Shareholders on 31 March 2023.
M.Ag QUALIFICATIONS/EDUCATION BACKGROUND
He earned his bachelor’s degree (1989), Master of Religion
(M.Ag) (1997) and Doctorate from IAIN Syarif Hidayatullah,
Member of Syariah Supervisory Board Jakarta (2008).
WORK EXPERIENCE
Hasanudin serves as Chairman of Sharia Supervisory
Board (SSB) at PT Bank Syariah Indonesia Tbk (2020 -
present), Chairman of SSB PT. Sarana Multigriya Financial
(2018 - present) and Chairman of SSB at Toyota Astra
Finance Service Syariah (2012 - present). He has also
served as Chairman of Daily Implementation Board (BPH)
National Sharia Board – Indonesian Council of Ulama (DSN-
MUI) (2020 - present), Member of the Sharia Finance
Development Committee (KPKS) – OJK (2025 – Present),
Member of the Sharia Committee of the Indonesia Deposit
Insurance Corporation (LPS) (2022 – Present), Training
Instructor organized by DSN-MUI in sharia banking, sharia
Insurance, sharia financing companies, sharia capital
market, and sharia cooperatives (2015 - present), Deputy
Chairman of the Fatwa Commission of the Indonesian
Council of Ulama (2010 - present) and Lecturer of Post
Graduate at UIN Syarif Hidayatullah (2012 – present) and
Institute of Al-Qur’an Science (IIQ) Jakarta (2010 - present).
Previously, he is was a Chairman of SSB at PT Trimegah
Asset Management (2015 – May 2024), Deputy Chairman
of the Daily Implementation Board (BPH) National Sharia
Council MUI (2015 - 2020), Working Team Member KPJKS
OJK (2014 - 2016), member of Board of Syari’ah Standard
Accounting (DSAS) - Indonesian Accountant Association
(IAI) (2012 - 2016), Chairman and member of SSB at PT BNI
Sharia Bank (2010 - 2021), Deputy Secretary of the Daily
Implementing Agency (BPH) of the National Sharia Council
MUI (1999 - 2015) and Secretary of the Fatwa Commission
of Majelis Ulama Indonesia (1997 - 2010).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 77
Page 80
SHARIA SUPERVISORY BOARD
PROFILE
Profile
Company
Indonesian Citizen.
Dr. Asep
58 years old. Domiciled in Indonesia.
He has been serving as Member of Syariah Supervisory
Supyadillah,
Board, Syariah Business Unit of the Company since 2018
and reappointed with the same position in the Annual
General Meeting of Shareholders 31 March 2023.
M.Ag. QUALIFICATIONS/EDUCATION BACKGROUND
Graduated from IAIN Syarif Hidayatullah Jakarta, 1993
and obtained a master’s degree in religion (M.Ag) from
Member of Syariah Supervisory Board Muhammadiyah University Jakarta, 2001, as well as a
Doctoral degree from UIN Syarif Hidayatullah Jakarta, 2020.
WORK EXPERIENCE
Asep is a Syariah Supervisory Board (SSB) with more than
5 years of experience. Asep serves as SSB Member of
PT Bank Permata (Syariah Business Unit) (November 2024
– present), SSB member of PT Fintek Karya Nusantara
(Syariah Business Unit Link Aja Syariah) (2020 - present),
Chairman of SSB PT Asuransi Jiwa Generali Indonesia
(Syariah Business Unit) (2017 - present). Asep also served
as the Deputy Secretary of Daily Implementation Board
(BPH) National Sharia Board – Indonesian Council of Ulama
(DSN-MUI) (2017 - present) and Lecturer of Muhammadiyah
University of Jakarta & ITB Ahmad Dahlan (2008 - present).
Previously, he served as Chairman of SSB PT Capital
Life Syariah (2016 – September 2024), member of Daily
Implementation Board (BPH) DSN-MUI Sharia Non-Bank
Financial Industry (2014 - 2016) and Senior Lawyer at Law
Office of Remy & Partners (2002 - 2015).
78 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 81
CHANGES IN THE COMPOSITION
OF MEMBERS OF THE BOARD
OF COMMISSIONERS AND
DIRECTORS AND THE REASONS
Profile
Company
FOR THE CHANGES
In 2025, there was a change in the composition of the Board of Directors of Bank Danamon. Based on the resolution of the
Annual General Meeting of Shareholders (AGMS) on March 21, 2025, Mr. Hafid Hadeli and Mr. Muljono Tjandra each ended
their terms as Deputy President Director and Director of the Company. The AGMS also approved the appointment of Ms.
Yenny Siswanto as Director of the Company, who passed the fit and proper test by the Financial Services Authority (OJK)
on June 5, 2025.
Meanwhile, the composition of the Board of Commissioners of Bank Danamon remained unchanged following the ratification
of the AGMS resolution on March 21, 2025.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 79
Page 82
INDEPENDENT PARTIES
PROFILE
Profile
Company
Zainal Abidin Mawar I.R. Napitupulu
Independent Party Independent Party
Indonesian Citizen. Indonesian Citizen.
70 years old. Domiciled in Indonesia. 63 years old. Domiciled in Indonesia.
LEGAL BASIS OF APPOINTMENT LEGAL BASIS OF APPOINTMENT
Has served as an Independent Party of the Company as a Has served as an Independent Party of the Company as a
member of the Risk Oversight Committee, member of the member of the Risk Oversight Committee and member of
Audit Committee and member of the Integrated Governance Audit Committee since 2020.
committee since 2020.
QUALIFICATIONS/EDUCATION BACKGROUND QUALIFICATIONS/EDUCATION BACKGROUND
He obtained his Bachelor of Economics, Airlangga University She obtained her Bachelor’s Degree in accounting, Faculty
(1989) and Master of Arts (MA) in Development Economics, of Economics, University of Indonesia (1986) and Master
Williams College, Williamstown, Massachusetts, USA (1989). of Business Administration in Finance from Katholieke
He is also certified Chartered Accountant (CA – Indonesia). Universiteit Leuven, Belgium (1990). She is also Registered
Public Accountant, Certified Public Accountant and
Chartered Accountant.
WORK EXPERIENCE WORK EXPERIENCE
Zainal serves as Independent Commissioner at PT Krom She is a registered public accountant with Senior Managing
Bank Indonesia Tbk (September 2022 – present). Partner position at the public accounting firm Amir Abadi
Jusuf, Aryanto, Mawar & Rekan, member firm of RSM
He once served as President Commissioner of PT Artajasa International (July 1994 – present), and a Lecturer at the
Pembayaran Elektronis (2017 - 2020) and President Accounting Department of the Faculty of Economics and
Commissioner of PT Mekar Prana Indah - Bidakara Group Business - University of Indonesia (1985 - present).
(2014 - 2017). He started his career in 1983 at Bank Indonesia
with several positions including Executive Director at The Previously, she was Auditor at SGV-Utomo Public
Department of Credit, Rural Bank Supervision/Examination Accounting Firm, member firm of Arthur Andersen & Co.
and MSME Development (2012 - 2013), Director at the (1996 - 1998) and Associate Consultant at the Institute of
Directorate of Accounting and Payment Systems (2012), Management, Faculty of Economics, University of Indonesia
Senior Researcher in The Banking Regulation and Central (1990 - 1994).
Banking Studies (2008 - 2012), Director at The Directorate
of Bank Supervision and Examination (2007 - 2008), Deputy
Director/Head of Dealing Room/Head of Foreign Exchange
and Exchange Rate Management Bureau at the Directorate
of Foreign Exchange Management (2001 - 2007) and
Deputy Director at the Directorate of Bank Supervision and
Examination (2001).
80 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Profile
Company
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 81
Page 84
EMPLOYEE
DEMOGRAPHIC
Profile
Company
Employee Composition by Company (Consolidated)
Company 2025 2024 2023
PT Bank Danamon Indonesia Tbk 8,175 8,548 8,752
PT Adira Dinamika Multi Finance Tbk (ADMF) 20,816 17,098 17,243
Total 28,991 25,646 25,995
Employee Composition by Gender (Consolidated)
Gender 2025 2024 2023
Female 9,035 8,161 8,168
Male 19,956 17,485 17,827
Total 28,991 25,646 25,995
Employee Composition by Age (Consolidated)
Age 2025 2024 2023
Female 489 578 662
<25 years Male 447 382 480
Total 936 960 1,142
Female 4,015 3,670 3,643
25-34 years Male 6,534 6,674 6,414
Total 10,549 10,344 10,057
Female 3,037 2,606 2,505
35-44 years Male 8,648 7,327 7,657
Total 11,685 9,933 10,162
Female 1,494 1,307 1,358
>45 years Male 4,327 3,102 3,276
Total 5,821 4,409 4,634
Total 28,991 25,646 25,995
Employee Composition by Education Level (Consolidated)
Education Level 2025 2024 2023
Female 194 183 184
Post-graduate Male 362 368 354
Total 556 551 538
Female 7,063 6,423 6,407
Graduate Male 13,604 12,448 12,502
Total 20,667 18,871 18,909
82 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 85
Education Level 2025 2024 2023
Female 1,446 1,369 1,393
Diploma Male 2,788 2,732 2,822
Total 4,234 4,101 4,215
Female 332 186 184
Senior High School Male 3,183 1,934 2,146
Profile
Company
Total 3,515 2,120 2,330
Female - 0 0
Junior High School/Elementary Male 19 3 3
Total 19 3 3
Total 28,991 25,646 25,995
Employee Composition by Employment Status (Consolidated) [GRI 2-8]
Employment Status 2025 2024 2023
Female 7,794 7,635 7,565
Permanent* Male 15,540 15,618 15,673
Total 23,334 23,253 23,238
Female 1,241 526 603
Non-Permanent** Male 4,416 1,867 2,154
Total 5,657 2,393 2,757
Total 28,991 25,646 25,995
Catatan:
*
Permanent employees include permanent and probationary.
**
Non-Permanent employees include contract, trainee, honorarium and expatriate.
Employee Composition by Organization Level (Consolidated)
Position 2025 2024 2023
Female 6 5 6
Top Management & Technical
Male 19 25 25
Advisor
Total 25 30 31
Female 108 116 117
Senior Manager Male 221 232 231
Total 329 348 348
Female 1,180 1,186 1,200
Manager Male 2,132 2,092 2,022
Total 3,312 3,278 3,222
Female 2,930 2,823 2,782
Officer Male 5,330 5,137 5,055
Total 8,260 7,960 7,837
Female 4,811 4,031 4,068
Staff Male 12,254 9,999 10,494
Total 17,065 14,030 14,557
Total 28,991 25,646 25,995
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 83
Page 86
EMPLOYEE
DEMOGRAPHIC
Employee Composition by Employment Status and Region (Consolidated)
Position 2025 2024 2023
Region Jakarta
Profile
Company
Female 3,200 3,234 3,242
Permanent*
Male 5,358 5,512 5,320
Total 8,558 8,746 8,562
Female 181 231 244
Non-Permanent **
Male 718 714 942
Total 899 945 1,186
Total 9,457 9,691 9,748
Region Bandung
Female 501 506 514
Permanent* Male 1,261 1,320 1,346
Total 1,762 1,826 1,860
Female 67 16 31
Non-Permanent** Male 379 187 250
Total 446 203 281
Total 2,208 2,029 2,141
Region Surabaya
Female 878 898 882
Permanent*
Male 2,068 2,158 2,170
Total 2,946 3,056 3,052
Female 45 27 37
Non-Permanent **
Male 185 182 248
Total 230 209 285
Total 3,176 3,265 3,337
Region Makassar
Female 853 716 691
Permanent* Male 1,683 1,426 1,469
Total 2,536 2,142 2,160
Female 499 57 87
Non-Permanent** Male 1,654 229 139
Total 2,153 286 226
Total 4,689 2,428 2,386
Region Balikpapan
Female 536 530 494
Permanent*
Male 1,045 1,049 1,077
Total 1,581 1,579 1,571
Female 130 50 71
Non-Permanent **
Male 299 138 131
Total 429 188 202
Total 2,010 1,767 1,773
84 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 87
Position 2025 2024 2023
Region Medan
Profile
Company
Female 1,248 1,177 1,176
Permanent *
Male 2,686 2,639 2,756
Total 3,934 3,816 3,932
Female 258 86 76
Non-Permanent **
Male 984 303 279
Total 1,242 389 355
Jumlah 5,176 4,205 4,287
Region Semarang
Female 578 574 566
Permanent* Male 1,439 1,514 1,535
Total 2,017 2,088 2,101
Female 61 59 57
Non-Permanent** Male 197 114 165
Total 258 173 222
Total 2,275 2,261 2,323
Notes:
* Permanent employees include permanent and probationary.
** Non-Permanent employees include contract, trainee, honorarium and expatriate. Data does not include outsourced employees.
• Region used:
- Jakarta Region, covering the entire Jakarta Special Region and Lampung Province.
- Bandung Region, covering all of West Java Province
- Semarang Region, covering all Provinces of Central Java and Special Region of Yogyakarta
- Surabaya Region, covering all Provinces in the East Java, Bali and Nusa Tenggara regions
- Makassar Region, covering all Provinces in the Sulawesi, Maluku & Papua regions
- Balikpapan Region, covering all provinces on the island of Kalimantan
- Medan Region, covering all Provinces in Sumatera (including Batam & Tanjung Pinang, except Lampung Province)
Employee Composition based on Employment Tenure (Consolidated)
Position Employment Tenure (years) 2025 2024 2023
0-5 years 13,344 9,826 9,408
5-10 years 5,781 5,551 5,804
>10 years 9,866 10,269 10,783
Total 28,991 25,646 25,995
Number of Non-Employee Workers by Type of Work
Type of Work 2025 2024 2023
Security officer 1,066 960 1.044
Cleaning officer 584 650 650
Driver 10 10 9
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 85
Page 88
SHAREHOLDERS
COMPOSITION
Profile
Company
7.53%
Shareholders Name Number of Shares Percentage
MUFG Bank, Ltd. 9,038,053,192 92.47
2025
(direct and indirect)
Public 735,499,678 7.53
Total 9,773,552,870 100.00
92.47%
BOARD OF COMMISIONER
No Name Position Number of Shares Percentage
1 Yasushi Itagaki President Commissioner - -
2 Halim Alamsyah Vice Independent Commissioner (Independent) - -
3 Peter Benyamin Stok Commissioner (Independent) - -
4 Nobuya Kawasaki Commissioner - -
5 Hedy Maria Helena Lapian Commissioner (Independent) - -
6 Dan Harsono Commissioner - -
BOARD OF DIRECTORS
No Name Position Number of Shares Percentage
1 Daisuke Ejima President Director - -
2 Honggo Widjojo Kangmasto Vice President Director 1,573,300 0.02%
3 Herry Hykmanto Director 809,156 0.01%
4 Rita Mirasari Director 424,400 0.00%
5 Dadi Budiana Director 946,400 0.01%
6 Thomas Sudarma Director 589,700 0.01%
7 Jin Yoshida Director - -
8 Yenny Siswanto Director 122,800 0.0%
86 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 89
TOTAL SHAREHOLDERS AND
SHAREHOLDING PERCENTAGE
AS OF THE END OF THE YEAR
BY CLASSIFICATION
Profile
Company
3.7% 3.5%
2.2% 2.1%
2025 2024
94.1% 94.4%
CLASSIFICATION 2025 2024
INSTITUTION - FOREIGN 94.1% 94.4%
INSTITUTION - DOMESTIC 2.2% 2.1%
INDIVIDUAL - DOMESTIC 3.7% 3.5%
INDIVIDUAL - FOREIGN 0.0% 0.0%
TOTAL SHAREHOLDERS AND SHAREHOLDING PERCENTAGE AS OF THE END OF THE YEAR
BY CLASSIFICATION
No Shareholder’s Name No. of Shares Percentage
1 MUFG Bank Ltd 8,940,317,662 91.47
2 UBS AG LONDON BRANCH EQUITIES HOUSE -2140724003 157,000,000 1.61
3 PT Guna Dharma 95,846,434 1.00
4 PT CEALMI KHIEZT INDONESIA 77,597,300 0.79
5 DRS. LO KHENG HONG 26,633,200 0.26
6 CACEIS BANK, LUXEMBOURG BRANCH/ NEF 13,850,800 0.14
7 CGS INTERNATIONAL SECURITIES SINGAPORE PTE LTD 9,637,000 0.10
8 ERIK CHAN 9,360,000 0.09
9 HANSEL SOSRO SAPUTRO 8,487,000 0.09
10 SSB J724 SPDR PORTFOLIO EMERGING MARKETS ETF -2183884002 7,534,518 0.08
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 87
Page 90
SHARE LISTING
CHRONOLOGY
Profile
Company
Bank Danamon has listed its shares on the Indonesia Stock Exchange in 1989, under the ticker symbol BDMN
with 9,773,552,870 shares in circulation, consisting of 22,400,000 Series A Shares and 9,751,152,870 Series
B Shares. Shares not listed in order to comply with Government Regulation (PP) No. 29 of 1999 concerning
Purchase of Commercial Bank Shares amount to 97,735,530 shares in the name of PT Guna Dharma.
The following is the timeline of Danamon’s share listing:
Share Listing Timeline
Series A Shares
Shares from Initial Public Offering in 1989 12,000,000
Founders’ shares 22,400,000
Bonus shares from capitalization of additional paid-up capital – capital paid in excess of par value in 1992 34,400,000
Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) I in 1993 224,000,000
Bonus shares from capitalization of additional paid-up capital – capital paid in excess of par value in 1995 112,000,000
Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) II in 1996 560,000,000
Founders’ shares in 1996 155,200,000
Shares resulting from stock split in 1997 1,120,000,000
2,240,000,000
Increase in par value to Rp10,000 (full amount) per share through reduction in total number of shares (reverse :20
stock split) in 2001 112,000,000
Increase in par value to Rp50,000 (full amount) per share through a reduction in total number of shares (reverse :5
stock split) in 2003 22,400,000
Total A series Shares as of 31 December 2025 22,400,000
88 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 91
Profile
Company
Series B Shares
Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) III in 1999 215,040,000,000
Shares issued in connection with the Bank’s merger with the former PDFCI in 1999 45,375,000,000
Shares issued in connection with the Bank’s merger with Bank Tiara in 2000 35,557,200,000
Shares issued in connection with the Bank’s merger with 7 other BTO (Taken-Over Banks) in 2000
*
192,480,000,000
488,452,200,000
Increase in par value to Rp100 (full amount) per share through reduction in total number of shares (reverse :20
stock split) in 2001 24,422,610,000
Increase in par value to Rp500 (full amount) per share through reduction in total number of shares (reverse :5
stock split) in 2003 4,884,522,000
Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) IV in 2009 3,314,893,116
Shares from limited public offering with pre-emptive rights (rights issue) V in 2011 1,162,285,399
Shares issued in connection with Employee/Management Stock Option Program (tranche I-III)
2005 13,972,000
2006 24,863,000
2007 87,315,900
2008 13,057,800
2009 29,359,300
2010 26,742,350
2011 5,232,500
Shares issued in connection with the Bank’s merger with PT Bank Nusantara Parahyangan Tbk in 2019 188,909,505
Total number of Series B shares as of 31 December 2025 9,751,152,870
* 7 BTOs consist of PT Bank Duta Tbk, PT Bank Rama Tbk, PT Bank Tamara Tbk, PT Bank Nusa Nasional Tbk, PT Bank Pos Nusantara, PT JayaBank International,
and PT Bank Risjad Salim Internasional.
TIMELINE OF
OTHER SECURITIES LISTINGS
As of 31 December 2025, Danamon did not have any other outstanding securities.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 89
Page 92
MAJORITY & CONTROLLING
SHAREHOLDERS
MITSUBISHI UFJ
Profile
Company
FINANCIAL GROUP, INC.
100.00%
MUFG BANK, LTD. PUBLIC
(DIRECT & INDIRECT)
7.53%
92.47% (22,400,000 SHARES) SERIES A
(9,038,053,192 SHARES) SERIES B (713,099,678 SHARES) SERIES B
ADIRA FINANCE
74.50%
About MUFG
Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world’s leading financial groups. Headquartered in Tokyo and with
over 360 years of history, MUFG has a global network with approximately 2,000 locations in more than 50 countries. The
Group has about 150,000 employees and offers services including commercial Banking, trust Banking, securities, credit
cards, consumer financing, asset management, and leasing. The Group aims to “be the world’s most trusted financial
group” through close collaboration among our operating companies and flexibly respond to all of the financial needs of our
customers, serving society, and fostering shared and sustainable growth for a better world. MUFG’s shares trade on the
Tokyo, Nagoya, and New York stock exchanges. For more information, visit https://www.mufg.jp/english.
90 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 93
CORPORATE
GROUP STRUCTURE
Profile
Company
PT Adira Dinamika
Multi Finance Tbk
74.50%
PT. Bank Woori Saudara
PT. Bank Chinatrust PT. Zurich Asuransi
Indonesia 1906, Tbk.
Indonesia Indonesia, Tbk Others
(prev. PT. Bank Woori Indonesia)
1.00% 19.81%
0.73%
PT Home Credit
Indonesia
9.82%
Subsidiaries Affiliated Companies
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 91
Page 94
CORPORATE
GROUP STRUCTURE
Subsidiaries
Profile
Company
Company Name PT Adira Dinamika Multi Finance Tbk (Adira Finance)
Core Business Financing
Company Profile Driven by the vision of “Creating Shared Value to Improve Prosperity,” Adira Finance has the mission “To
provide a variety of financial solutions according to the needs of each customer through synergy with
the ecosystem.” Aligning with its logo and brand promise, “Sahabat Setia Selamanya”, Adira Finance is
committed to building good long-term relationships with the entire ecosystem, both internal and external,
such as employees, consumers, business partners, and all stakeholders. This commitment drives Adira
Finance to serve our consumers in every aspect of their lives in order to build long-term relationship
with customers in all aspects of their lives, fostering a lasting relationship or a “customer for life”. Adira
Finance aims for its customers to feel its presence as a trusted friend (“Sahabat”) who provides financial
solutions while fostering synergy under the concept of “Sahabat Adira”. In Adira Finance’s philosophy, the
concept of “Sahabat” carries profound meaning, reflecting the values embodied by Adira Finance for its
customers: Flexibility, Transparency, Innovation, and Synergy. Adira Finance’s primary focus is to provide
various financing solutions to customers, including automotive financing for motorcycles and cars, both
new and used, as well as electric vehicles from various brands. Adira Finance also provides multipurpose
financing through its “SolusiDana” product, along with other product offerings.
The main products and services offered by Adira Finance include investment financing, working capital
financing, multipurpose financing, other types of financing, as well as operating leases and sharia
financing in accordance with the regulations of the Financial Services Authority (OJK).
Shareholding 74.50%
Establishment November 13, 1990
Operational Status Operating
Total Assets (Rp Billion) 38,529
Address Milenium Centennial Center 53rd Floor, 56-61
Jl. Jendral Sudirman Kav. 25, Jakarta
Phone: (+62 21) 3973 3232, 3973 3322
Fax: (+62 21) 3973 4949
E-mail: af.investor.relation@adira.co.id
Key Management Board of Commissioners
President Commissioner: Daisuke Ejima
Independent Commissioner: Krisna Wijaya
Independent Commissioner: Manggi Taruna Habir
Commissioner: Congsin Congcar
Commissioner: Honggo Widjojo Kangmasto
Board of Directors
President Director: I Dewa Made Susila
Director: Swandajani Gunadi
Director: Niko Kurniawan Bonggowarsito
Director: Harry Latif
Director: Denny Riza Farib
Director: Sigit Hendra Gunawan
Director: Sylvanus Gani Kukuh Mendrofa
Director: Ricky Gunawan
Investment in Stocks
Company Name Business Activity )%( Ownership
PT Home Credit Indonesia Multifinance Financing 9.82%
PT Bank Woori Saudara Indonesia 1906 Tbk Banking 0.73%
PT Kliring Penjamin Efek Indonesia Clearing and Guarantee Institution 1.11%
PT Bank Chinatrust Indonesia Banking 1.00%
Lainnya Joint Ventura, Telecommunication 0.24% - 4.21%
Investment in Associations
Company Name Business Activity )%( Ownership
PT Zurich Asuransi Indonesia Tbk (“ZAI”) Insurance 19.81%
92 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 95
PUBLIC ACCOUNTANT &
PUBLIC ACCOUNTANT FIRM
PUBLIC ACCOUNTANT FIRM
Liana Ramon Xenia & Rekan (Member Firm of Deloitte Southeast Asia Limited)
Profile
Company
Registered Public Accountants
License No.432/KM.1/2024
The Plaza Office Tower 32nd Floor
Jl. M.H. Thamrin Kav 28-30 Jakarta 10350
Phone: +62 21 5081 8000
Fax: +62 21 2992 8300
E-mail: iddttl@deloitte.com
Website: www.deloitte.com/id
CAPITAL MARKETS SUPPORTING
INSTITUTIONS PROFESSIONALS
SHARES TRADING AND LISTING CREDIT RATINGS AGENCIES
PT Bursa Efek Indonesia PT Fitch Ratings Indonesia
Indonesia Stock Exchange Building 1st Tower DBS Bank Tower, 24th Floor, Suite 2403
Jl. Jend. Sudirman Kav. 52-53 Floor 6th Jl. Prof. Dr. Satrio Kav. 3-5 Jakarta-Indonesia 12940
Jakarta 12190 Indonesia Phone: (62-21) 29886800
Phone: +6221 150 515 Fax: (62-21) 29886822
E-mail: listing@idx.co.id Website: www.fitchratings.com
Website: www.idx.co.id
Fitch Ratings Ltd.
CUSTODIAN 30 North Colonnade London E14 5GN United
PT Kustodian Sentral Efek Indonesia Kingdom,
Indonesia Stock Exchange Building Phone: +44(0)20 3530 1000
1st Tower 5th Floor Website: www.fitchratings.com
Jl. Jend. Sudirman Kav. 52-53, Jakarta 12190
Indonesia PT Pemeringkat Efek Indonesia (Pefindo)
Phone: +6221 515 2855 Equity Tower 30th Floor
Fax: +6221 5299 1199 Sudirman Central Business District Lot 9
Toll Free: 0800-186-5734 Jl. Jenderal Sudirman Kav. 52-53
E-mail: helpdesk@ksei.co.id Jakarta 12190, Indonesia
Website: www.ksei.co.id Phone: +62 21 509 684 69
Fax: +62 21 509 684 68
SHARE REGISTRAR Website: www.pefindo.com
PT Adimitra Jasa Korpora
Kirana Boutique Office NOTARY
Jl Kirana Avenue III Blok F3 No 5 Mala Mukti, S.H., LL.M.
Kelapa Gading-Jakarta Utara 14250 AXA Tower 27th Floor, Suite 06
Phone: +6221 2974 5222 Jl. Prof. Dr. Satrio Kav. 18 Jakarta 12940
Fax: +6221 2928 9961 Phone: +6221 3005 6229
E-mail: opr@adimitra-jk.co.id Fax: +6221 3005 6373
E-mail: malamukti@cbn.net.id
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 93
Page 96
AWARD &
CERTIFICATION
5. Best Bank (KBMI 3) for Satisfaction
Index – Customer Service
6. Best Bank (KBMI 3) for Satisfaction
Profile
Company
Index – Branch Office
7. Best Bank (KBMI 3) for Satisfaction
Index – Automated Teller Machine
(ATM)
8. Second Best Bank (KBMI 3) for
Marketing Engagement Index
9. Second Best Bank (KBMI 3) for Brand
Interactivity Index
10. Second Best Bank (KBMI 3) for
Satisfaction Index – Process and
January February Service
11. Third Best Bank (KBMI 3) for Net
Indonesia Syariah Excellent 8th Infobank Satisfaction, Promoter Score
Awards 2025 Loyalty, Engagement 12. Third Best Bank (KBMI 3) for Customer
Awards 2025 Centricity Index
Organizer: 13. Third Best Bank (KBMI 3) for Customer
The Iconomics Organizer: Resilience Level
Infobank 14. Third Best Bank (KBMI 3) for
Category:
Top Syariah Business Unit - Bank Satisfaction Index – Teller
Category:
15. Third Best Bank (KBMI 3) for
1. Best Bank (KBMI 3) for Satisfaction,
Satisfaction Index – Mobile Banking
March Loyalty, and Engagement Index
2. Best Bank (KBMI 3) for Satisfaction
14th Infobank – Insentia Index
Digital Brand Appreciation 3. Best Bank (KBMI 3) for Loyalty Index
2025 4. Best Bank (KBMI 3) for Engagement
Index
Organizer:
Infobank
Category:
1. Second Best Bank (KBMI 3) for
Conventional Commercial Bank
2. Second Best Bank (KBMI 3) for
Sharia Business Unit – Conventional
Commercial Bank
3. Best Bank (KBMI 3) for Internet Banking
– Conventional Commercial Bank
4. Best Bank (KBMI 3) for Credit Card –
Conventional Commercial Bank
5. Second Best Bank (KBMI 3) for May
Mortgage (KPR) – Conventional April Indonesia Operations
Commercial Bank
6. Second Best Bank (KBMI 3) for Wealth
The Best Corporate Emission Banking Summit 2025
Management – Conventional Commercial Reduction Transparency Organizer:
Bank Award 2025 Forum Komunikasi Direktur Operasional
7. Third Best Bank (KBMI 3) for Deposit – Perbankan (FKDOP)
Conventional Commercial Bank Organizer:
Investor Trust Category:
1. 1 Diamond Award
Category: 2. 6 Gold Award
1. Public Company with Trusted Green 3. 3 Silver Award
Achievement in Emission Reduction
2. Public Company with Trusted Diamond
Achievement in Emission Transparency
June
HR Asia Best Companies to
Work for in Asia 2025
June Organizer:
Best Report Awards (BREW) 2025 HR Asia and Business Media International
Organizer: Category:
Pusat Pelaporan dan Analis dan Transaksi 1. HR Asia Best Companies to Work for in
Keuangan (PPATK) bersama dengan Asosiasi Asia - Indonesia 2025
Analisis Transaksi Keuangan Indonesia (AATKI) 2. HR Asia Most Caring Company Awards
2025 (Special Categories)
Kategori:
Second Best Ranking
94 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 97
Profile
Company
June August September
Infobank Banking Service Asian Banking and Finance Top GRC Awards 2025
Excellence Awards (BSEA) (ABF) Retail Banking Awards
Organizer:
2025 2025 Top Business
Organizer: Organizer: Category:
Infobank Asian Banking and Finance 1. Top GRC – 4 Stars
2. The Most Committed GRC Leader 2025:
Conventional Commercial Bank Category: Category: Daisuke Ejima, President Director of
1. Diamond Trophy – The Best Conventional Debit Card Initiative of the Year - Indonesia PT Bank Danamon Indonesia Tbk
Bank in Service Excellence for
20 Consecutive Years (2006–2024)
2. Golden Trophy – The Best Conventional
Bank in Excellence Digital Channel for
5 Consecutive Years (2020–2024)
3. The Best Conventional Bank in Excellence
for Online Account Opening Website
4. The 2nd Best Conventional Bank in
Excellence for Branch ATM
5. The 2nd Best Conventional Bank in
Excellence for Teller Service
Sharia Business Unit Category:
1. Platinum Trophy - The Best Sharia
Business Unit in Service Excellence for 10
Concesutive Years (2015 - 2024)
2. The Best Sharia Business Unit in
September
Excellence for Teller Service Fortune Indonesia 100 -
3. The 2nd Best Sharia Business Unit in
Service Excellence
2025 September
4. The 2nd Best Sharia Business Unit in Organizer: The 16th IICD Corporate
Excellence for Walk-in Channel
5. The 2nd Best Sharia Business Unit in
Fortune Indonesia Governance Conference and
Excellence for Customer Service Category:
Award
6. The 2nd Best Sharia Business Unit in 100 Largest Companies in Indonesia
Excellence for Security Officer Organizer:
Indonesian Institute for Corporate
Directorship (IICD), in collaboration Perum
LKBN ANTARA
Category:
1. Top 50 Issuers with the Largest Market
Capitalization (BigCap PLCs)
2. Best Reponsibility of The Board
September
Indonesia FX Awards 2025
Organizer:
London Stock Exchange Group (LSEG)
Category: December December
1. Most Improved Volume (Matching) Infobank Top 100 CEO and Indonesia Best Digital
2. Second Runner-up for Most Active FXall
Bank (Taker) Top 200 Leader Future 2025 Innovation Award 2025
Organizer: Organizer:
Infobank SWA Magazine
Category: Category:
Top 100 CEO - Daisuke Ejima For Its Outstanding Digital Innovation
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 95
Page 98
& Analysis
Discussion
Management
04
MANAGEMENT
DISCUSSION
& ANALYSIS
PT Bank Danamon Indonesia Tbk
2025 Annual Report
96 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 99
& Analysis
Discussion
Management
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 97
Page 100
MACROECONOMIC OVERVIEW &
BANKING INDUSTRY PROSPECT
“In 2025, Indonesia’s economic performance is
expected to remain stable, with growth projected
& Analysis
Discussion
Management
to remain above 5%. Stronger export activity,
domestic investment momentum, and government
consumption that supported domestic demand
continued to bolster economic momentum, while
offsetting the normalization of non-profit activities
and challenges to consumer purchasing power.
With cumulative GDP growth at 5.0% until the third
quarter of 2025, Indonesia’s economic fundamentals
remain solid amid global uncertainty.”
MACROECONOMIC According to the IMF’s World Economic Outlook
In 2025, Indonesia’s economic performance is in October 2025, the global economy is expected
expected to remain stable, with growth projected to grow moderately in a range of 3.2%. While the
to remain above 5%. Stronger export activity, outlook is relatively stable compared to the previous
domestic investment momentum, and government year, the global recovery has been uneven due to
consumption that supported domestic demand trade policy uncertainty, a slower recovery in some
continued to bolster economic momentum, while major economies, and increasingly vulnerable fiscal
offsetting the normalization of non-profit activities conditions. In addition, geopolitical developments
and challenges to consumer purchasing power. have also restrained the rate of disinflation in terms
With cumulative GDP growth at 5.0% until the third of food and services. Overall, the IMF assesses that
quarter of 2025, Indonesia’s economic fundamentals global economic conditions are still manageable
remain solid amid global uncertainty. despite more potential risks that depress growth,
especially for countries with high international trade
Government fiscal stimulus packages during 2025, exposure and large external financing.
worth Rp122.8 trillion, help support consumer
purchasing power, especially in the income segment The control of domestic inflation, accompanied by
of Rp1-2 million. This support comes from the the Federal Reserve’s interest rate cutting cycle from
current increase in income supported by Direct Cash 4.3%-4.5% to 3.5%-3.8%, allows Bank Indonesia
Assistance (BLT) and food assistance provided during to implement a more accommodative policy in the
the second and fourth quarters of 2025. Both have country. Along the year, BI has made five interest
tempered the impact of rising inflation in food prices rate cuts at 125 bps, bringing down the BI-7DRR
towards purchasing power. Nevertheless, overall from 6.0% at the beginning of the year to 4.8% in
inflation remained within the monetary authority’s September 2025. This step reflects BI’s commitment
target range of 2.9% YoY, supported by stable core to macroprudential stability, strengthening the
inflation, driven by a rise in gold jewelry prices and transmission of pro-liquidity policies, and supporting
stable energy prices. economic growth amid high global uncertainty.
98 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 101
Indonesia’s macroprudential stability in 2025 is BANKING INDUSTRY OVERVIEW
reflected in the position of Indonesia’s external sector, Various indicators of the banking industry show
which showed strength compared to the previous stable performance throughout 2025, supported by
year. In the first eleven months of 2025, exports sound intermediation and adequate liquidity. Until
reached USD244.8 billion, an increase of 7.1% on an October 2025, credit growth reached 7.4% YoY, while
annual basis, while imports amounted to USD218.0 Third Party Funds (DPK) increased faster by 11.5%
billion, up 2.0% in the same period. This resulted in YoY. Liquidity was maintained with a liquidity ratio to
a trade surplus of USD38.54 billion, mainly driven by third-party funds of 29.5%, while capital remained
a non-oil and gas surplus of USD56.15 billion, which strong, as reflected in the CAR ratio of 26.4%.
was able to cover the oil and gas balance deficit
of USD17.61 billion. This development strengthens Credit performance in 2025 is influenced by Bank
& Analysis
Discussion
Management
Indonesia’s external resilience, with the current Indonesia’s loosening monetary policy, with BI-7DRR
account balance reversing to record a surplus lowered from 6.0% at the beginning of the year
of USD4.0 billion (+1.1% of GDP) after previously to 4.8%, creating more supportive conditions for
recording a deficit of USD2.7 billion (-0.8% of GDP). financing activities. The manufacturing sector, which
had contracted from April to July 2025, gradually
Indonesia’s foreign exchange reserves also remain improved from August onwards, as new demand
an important supporting factor. By the end of 2025, and production capacity increased, strengthening
foreign exchange reserves reached USD156.6 billion, demand for working capital and investment credit.
equivalent to 6.3 months of imports plus government However, overall credit growth is expected to remain
external debt payments, well above international moderate in 2025, reflecting the impact of monetary
adequacy standards. This position reflects high easing that has not yet reverberate to credit demand
external resilience in the face of global capital flow and still high external pressures. Despite the slower
dynamics. growth, most of the credit segment continued to
grow, demonstrating the resilience of the banking
From these factors, Indonesia is on the right track system.
to maintain growth momentum in 2026. A growing
global outlook, more accommodative monetary Until November 2025, credit growth in various
policy, fiscal spending support, and solid external segments showed mixed performance. Working
support continue to strengthen the resilience of capital loans grew 2.0% on an annual basis, slowing
economic fundamentals amid regional and global down from 9.3% in the previous year, while consumer
geopolitical fragmentation. loans recorded growth of 6.8%, slowing down from
10.1% in the previous year. In contrast, investment
Bank Indonesia projects a more resilient growth path, loans increased strongly by 18.0%, up from 13.6%
although it remains closely watched for external a year earlier. Finally, MSME credit contracted by
risks. Growth in 2026 is expected to strengthen to the 0.6%, compared to a growth of 4.8% in the previous
range of 4.9%–5.7%, supported by stronger domestic year.
consumption, increased investment, and stable
export performance. Inflation is expected to remain Key indicators of banking performance in 2025 remain
in the 2.5%±1% corridor, supported by consistent at healthy levels, with relatively marginal movements
macroprudential coordination, strengthening inflation in profitability and asset quality. The industry’s
control efforts at the central and regional levels, and Net Interest Margin declined slightly to 4.6% as of
progress in national food security programs. External October 2025. This decrease reflects lending rates
stability and financial systems are also maintained, that have dropped more slowly than policy interest
supported by the acceleration of digitalization. rates, while the cost of funds has remained relatively
Nevertheless, Bank Indonesia continues to monitor high, resulting in a narrower margin for banks. Return
global risks, including the impact of US reciprocal on Assets was recorded at 2.5%, slightly lower than
tariff policy, global economic moderation, high debt 2.7% a year earlier, reflecting a slowdown in credit
levels and real interest rates in major economies, the expansion as well as normalization of non-interest
vulnerability of the international financial system, and income. Asset quality was maintained, with an NPL
the rapid growth of crypto assets and stablecoins. ratio of 2.5% in October 2025 compared to 2.2% in
2024, indicating that debtors’ repayment capacity is
still solid even though purchasing power conditions
have only recovered towards the end of the year.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 99
Page 102
The outlook for the banking sector towards 2026 Total consolidated loans including trade finance &
remains positive, supported by an increasingly marketable securities grew by 8.7% YoY to reach
accommodative policy position and strong liquidity Rp212.7 trillion, with solid growth in all segments. The
conditions. Liquidity is supported by the realization Enterprise Banking and Financial Institution (EBFI)
of fiscal spending, the placement of state cash include Trade Finance and Marketable Securities
amounting to Rp201 trillion in the banking system, segment, supported by MUFG collaboration grew
and a lower volume of outstanding SRBI at Rp719.7 by 14.0% YoY reaching Rp99.3 trillion, while the
trillion, compared to Rp917.0 trillion in early 2025. Consumer Banking segment grew by 9.6% YoY
The Macroprudential Liquidity Incentive Policy (KLM) to Rp23.0 trillion. The SME Banking segment also
framework, refined by Bank Indonesia and supported recorded growth of 6.5% which amounted to
by incentives of more than Rp404 trillion, helped Rp27.1 trillion. Furthermore, Adira Finance’s loan
& Analysis
Discussion
Management
channel liquidity to priority sectors and encourage disbursement grew by 1.9% reaching Rp63.4 trillion.
more competitive credit disbursement. Meanwhile, The increase in growth was accompanied by prudent
the addition of an interest-rate channel to KLM’s risk management for healthy asset quality, with NPL
incentives is expected to open greater liquidity for improving from 1.9% at the end of previous year to
banks. Combined with solid capital and maintained 1.7% at the end of 2025.
asset quality, these conditions form a foundation
that supports credit expansion, with industrial credit The bank’s total funding, which comprises of
growth projected in 2026 in the range of 8%–12%, deposits, bonds and borrowings, grew by 14% YoY
reflecting a gradual improvement in line with reaching Rp204.0 trillion. CASA grew 18% YoY
Indonesia’s economic recovery. reaching Rp75.2 trillion.
DANAMON’S POSITION IN THE INDONESIAN At the end of 2025, the Bank’s Consolidated Net
BANKING INDUSTRY Profit After Tax (NPAT) amounted to Rp4.0 trillion,
Throughout 2025, Danamon continued to strengthen compared to Rp3.5 trillion in the same period last
its strategic differentiation by growing as a Financial year. From the capital perspective, the Bank ended
Group together with the MUFG ecosystem. This the year with a strong Capital Adequacy Ratio (CAR)
strategy successfully delivered solid results for the of 25.4%, well above the regulatory minimum. These
year, with Danamon reaching new records in both achievements put Danamon in a good position for
loans and funding. future growth, as the Bank continues to strengthen
synergies with the MUFG ecosystem as a Trusted
Financial Group for value to customers.
100 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 103
STRATEGIC
REVIEW
STRATEGIC FOCUS 2025 with a single customer view through an integrated
Throughout 2025, Danamon delivered solid financial CRM system, supported by AI-powered knowledge
performance and sustainable growth as One management tools to deliver faster and more
Financial Group. Healthy funding continued to grow personalized service.
& Analysis
Discussion
Management
and supported lending expansion while maintaining
asset quality, resulting in double-digit profitability Danamon continued to strengthen its aspirations
growth. for growth as a Financial Group by deepening
collaborations with various MUFG entities, including
All of the Bank’s business lines contributed to MUFG Bank Jakarta Branch, Adira Finance, and
this achievement, namely Enterprise Banking & Home Credit Indonesia, as well as with strategic
Financial Institutions (EBFI), SME Banking, and partners such as Zurich Asuransi Indonesia. This
Consumer Banking, as they continued to focus on year, Danamon was appointed as the Operational
increasing funding and lending. Meanwhile, Adira Financial Holding Company (FHC) of the MUFG
Finance showed improved asset quality and higher Financial Conglomerate (FC) in Indonesia.
profitability amidst a slowdown in the national Furthermore, the merger between Adira Finance and
automotive industry. Mandala Finance has also received shareholder and
regulatory approval. As it delivered on its commitment
The achievement coincided with the rapidly growing to continuously strengthening relationships with
momentum of specific Ecosystem approaches, customers and automotive industry partners,
encompassing Automotive, Hajj and Umrah, and Danamon, along with MUFG and Adira Finance, again
Education. Danamon accelerated this strategic took part in the 2025 Indonesia International Motor
initiative by developing region-based Ecosystems Show (IIMS) as the Official Bank Partner and Official
where it empowered regions to identify and develop Multifinance Partner.
ecosystems tailored to local needs and opportunities.
As a result, Danamon successfully established more With a wealth of experience collaborating with
than 1,400 ecosystems that is continued to be MUFG and MUFG Innovation Partner (MUIP)
nurtured in 2025, demonstrating its commitment to through its investment in the “Garuda Fund” venture
inclusive and sustainable growth at the community fund, Danamon has taken a further strategic step
level. by investing in another venture fund, the Japan
Thematic Fund (JTF). Through the JTF, Danamon and
Danamon took it a step further by leveraging a range MUFG were committing themselves to supporting
of strategic initiatives to enhance productivity and the development of technology-based businesses,
customer service. Danamon continued to refine encouraging the emergence of a new generation of
operational processes to increase service accuracy innovative companies, and deepening partnerships
and speed, expand data utilization to support with Japanese investors.
more accurate decision-making, and develop
digital capabilities, including the implementation of Danamon also continued to strengthen its
generative artificial intelligence technology across commitment to sustainability through collaboration
various business functions. with MUFG and Adira Finance, as both worked to
support decarbonization efforts towards achieving
Danamon is committed to continuously enhance net-zero operational emissions by 2030. In line with
its services across all distribution channels. This this agenda, Danamon saw an annualized growth of
includes transforming branches to deliver simpler 28% in its sustainable financing, a line that accounts
processes and greater convenience, introducing an for 24% of its total loan portfolio. Furthermore,
upgraded D-Bank PRO with enhanced features and Danamon participated in the MUFG Net Zero World
capabilities, and launching Danamon on Wheels (MUFG N0W) forum, which supports Indonesia’s
to bring mobile, offline banking services directly to energy transition.
customers. In parallel, Danamon is strengthening
Hello Danamon by equipping call center agents
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 101
Page 104
2026 STRATEGY
To capitalize on opportunities and address challenges in 2026, Danamon has formulated the following key
strategies:
• Continue loan growth while maintaining asset quality, supported by sound funding and sustainable
profitability. Danamon will continue investing in the development of its distribution network and new
technology to improve business process effectiveness, accelerate decision-making, and provide more
responsive services tailored to customer needs.
• Strengthen the development of targeted ecosystems, particularly in the automotive, education, and Hajj
and Umrah sectors, as well as region-based ecosystems developed in each regional office.
• As an Operational FHC, Danamon will strengthen synergies with Adira Finance and Home Credit Indonesia,
members of the MUFG Financial Conglomeration (MUFG FC), and complete the operational merger
& Analysis
Discussion
Management
between Adira Finance and Mandala Finance. This synergy is expected to increase business contributions
and strengthen the group’s overall competitiveness.
• Drive human resource development through continuous learning programs and employee exchange
initiatives within the MUFG FC, including partner banks under the MUFG umbrella.
102 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 105
p Members
Grou
& Analysis
Discussion
Management
Home Credit Indonesia
*
Zurich Asuransi Indonesia
ers
MU
rtn
FG
Pa
&
ar
eg
ic
P
tn t
er
sB S tra
ank
s
2024-2026 STRATEGIC DIRECTION:
GROW AS A FINANCIAL GROUP
Double-digit growth in Lending & Funding
with Sustainable Profitability
Business Engines
Enterprise Banking & SME Consumer Adira Finance &
Financial Institution Banking Banking Group Entities
Strategic Theme
Dominant Data Analytics
Unique MUFG
1 in Tergeted 2 Proposition 3 & Process Improvement
Ecosystems
Foundation for Financial Group –
B New Business Incubation & Inorganic Growth
Core Business & Foundation Building –
C People, IT/Digital, Branding, Branches
* Merged with Adira Finance in 2025
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 103
Page 106
BUSINESS
SEGMENT OPERATIONAL
REVIEW
Wholesale Consumer
& Analysis
Discussion
Management
Customer
Segments
Corporate Commercial SME Affluent Middle Mass
Business
Engines
Consumer
Enterprise Banking & SME Banking Adira Finance
Financial Institution Banking & Group Entities
Sharia Treasury & Capital Transaction Wealth Mortgage & Auto
Financial Deposits Loans
Banking Market Banking
Bancassurance
Management Credit Card Financing
In 2025, Danamon continued its strategy of prudent loan growth through an ecosytem approach, sustained
CASA growth through an institutional approach and increased fee income through a unique value proposition.
In addition, collaboration with MUFG enabled Danamon to enter the Japanese Corporate and multinational
customer markets through distributor financing, cash management, mortgage, and payroll accounts services.
104 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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ENTERPRISE BANKING
“Despite ongoing geopolitical turmoil and increasingly
fierce competition in the banking industry, Enterprise
Banking delivered another positive performance in
2025. That achievement is reflected in 15% annual
& Analysis
Discussion
Management
growth in loans and 31% in third-party funds.”
Enterprise Banking focuses on providing a through the recruitment and retention of top talent,
comprehensive range of financial solutions, such as comprehensive domestic and international training
loans, cash management, trade finance, and treasury programs, and the implementation of a performance-
services to the Wholesale and Financial Institutions based work culture.
segments. Enterprise Banking also intends to make
Danamon the transactional bank of choice for 2025 PERFORMANCE
customers by understanding and serving their needs. Enterprise Banking recorded 15% loan portfolio
growth, supported by collaboration with the MUFG
PRODUCTS AND SERVICES Group.
Enterprise Banking provides the following products
and services: 2026 STRATEGIES AND INITIATIVES
• Working Capital Loans (Trade Finance & Financial Enterprise Banking will continue implementing the
Supply Chain). following strategies:
• Investment Loans. • Improve the quality of relationships with existing
• Cash Management (Payments, Collections, and customers through a long-term approach.
Liquidity Management). • Acquire new customers from potential target
• Foreign Exchange. markets and optimize the ecosystem of existing
• Custodianship. customers.
• Project Financing. • Strengthen collaboration with the MUFG Group
• Capital Market Bonds. in acquiring multinational corporate customers
and their value chains, and provide value-added
2025 STRATEGIES AND INITIATIVES products and services, such as Global Business
The decline in the benchmark interest rates of Bank Matching.
Indonesia and the Federal Funds Rate (FFR), which • Actively offer loan financing with other
lasted until the end of 2025, has provided positive financial institutions through syndicated loans,
stimulus to Indonesia’s economic growth, particularly structured financing, agency, sell-down, and risk
in the banking sector. However, intense competition participation.
on interbank interest rates poses its own challenge • Continue to increase Third-Party Funds (TPF)
for banks. by offering comprehensive cash management
solutions supported by e-channels and digital
Enterprise Banking pursued its growth target by solutions tailored to customer needs.
focusing on service improvements, deepening • Invest in human resources and enhance
relationships with existing customers, broadening its employee competency through training and
portfolio by acquiring new customers, and enhancing project assignments, both domestically and
collaboration with the MUFG Group to optimize its internationally, supported by MUFG.
ecosystem. • Continue efforts to attract new talent while
retaining and accelerating internal talent
Furthermore, Enterprise Banking remained development.
committed to developing human resources • Continuing efforts to attract new talents while
retaining and developing the existing ones.
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TREASURY &
CAPITAL MARKET
“Synergy and collaboration with all lines of business,
& Analysis
Discussion
Management
as well as parent entity MUFG Bank, are key success
factors for Treasury & Capital Market in ensuring the
Bank’s liquidity resilience and providing Danamon’s
treasury products and services to fulfill customer
needs.”
Treasury & Capital Market (TCM) is the core division Indonesia Rupiah Securities, and Bank Indonesia
within the liquidity risk management that ensures Foreign Currency Securities), Money Market
the Bank meets its liquidity requirement; this shall (Interbank & Bank Indonesia instruments), and Repo/
be achieved by laying an intense focus on efficient Reverse Repo.
and prudent balance sheet management to support
business expansion with due adherence to prudent Since Danamon was appointed by Bank Indonesia
Banking principles. The responsibility to manage the in 2021 as one of the Appointed Cross-Currency
liquidity risk is inherent in the management of the Dealer Banks (ACCD Bank) in order to facilitate Local
Bank’s balance sheet interest rate risk. Currency Transaction (LCT) for THB-IDR and CNY-
IDR currency exchanges, its customers’ transaction
TCM is also a product partner of Danamon’s line of volume has been increasing. This was reinforced by
business that offers basic Foreign Exchange (FX) the issuance of the Regulation of the Members of the
and Marketable Securities solutions in addition to the Board of Governors Number 15 of 2024 regarding
more advanced solutions for customers that require Amendment to the Regulation of the Members of
hedging solutions and investment products. the Board of Governors Number 23/16/PADG/2021
regarding the Settlement of Bilateral Transactions
Apart from being one of the Rupiah-denominated Between Indonesia and China Using Rupiah and
Government Bond Primary Dealers, TCM also actively Yuan Through Banks, which has an impact on the
supports regulators in improving, formulating, and increasing volume of LCT CNY-IDR transactions.
further deepening the Indonesian financial market.
The transaction volume of LCT THB-IDR in 2025
PRODUCTS AND SERVICES increased by 57% compared to the previous year,
TCM offers a wide range of products and services while the transaction volume of LCT CNY-IDR
geared towards providing solutions for customers increased rapidly by 97% compared to the previous
and performs trading activities. The products offered year. With this service, the Bank’s customers may
include Foreign Exchange (FX Today, FX Tomorrow, enjoy more competitive FX rates and more efficient
FX Spot, FX Forward, FX Swap, and Domestic Non- and faster fund remittances to institutions or
Deliverable Forward), Interest Rate Swap, Cross individuals in the ACCD Bank’s partner countries.
Currency Swap, Overnight Index Swap, Structured
Products (Dual Currency Investment, Market Linked In 2025, Danamon was also selected as one of Bank
Deposit, and Call Spread Option), Marketable Indonesia’s Primary Dealers, which allows the Bank
Securities (Government Bond and Corporate Bond to provide service to non-PDs according to the
under both Conventional and Sharia schemes, Bank prevailing Bank Indonesia’s regulations.
106 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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As Primary Dealer for the Money Market and Foreign 2025 PERFORMANCE
Exchange Market (PUVA), Danamon is committed to TCM successfully achieved its Treasury Sales
fulfilling its obligations as Primary Dealer for PUVA as revenue target in 2025 amidst increasingly tight
mandated in the Regulation of the Members of the market competition conditions. FX transaction volume
Board of Governors Number 23 of 2024 regarding from Treasury Sales increased 16% compared to the
Primary Dealers for the Money Market and Foreign previous year.
Exchange Market.
TCM has launched Structured Products, such as
2025 STRATEGIES AND INITIATIVES Dual Currency Investment (DCI) and Market Linked
In 2025, TCM continuously focused on efficient Deposit (MLD) to fulfill customers’ investment needs.
balance sheet management strategies in The launch was supported by the relaxation of the
& Analysis
Discussion
Management
Capital Management, Fair Value through Other Regulation of the Members of the Board of Governors
Comprehensive Income (FVOCI) portfolio Number 11 of 2024 regarding Foreign Exchange
management, Contingency Funding Plan, as well Market Transactions.
as the Enhanced Treasury System and the Asset &
Liability Management (ALM) System. 2026 STRATEGIES AND INITIATIVES
In 2026, TCM will continue to implement the following
TCM Trading Team’s activities supported the Treasury strategies:
Sales Team by providing liquidity and competitive 1. Continuously improve the efficiency of balance
prices for customers. TCM also offered alternative sheet management strategies with prudential
investments for retail customers, such as government principles.
bonds and Corporate bond. This was geared towards 2. Continue collaborating with Danamon’s line
increasing fee-based income for Danamon. of business to provide solutions to customers
who need investment products and hedging
TCM worked continuously with the Bank’s other lines instruments to manage their exposure; continue
of business to support customers seeking investment collaborating with the MUFG Group’s business
products and hedging instrument solutions to manage network to tap more business opportunities
their exposure. TCM expanded collaboration with the with Japanese companies and multinational
MUFG Group’s business network to tap business corporations value chains as well as to increase
opportunities with Japanese and multinational more Indonesian Government Bond deals.
corporations’ value chains as well as large Corporate 3. Develop the Bank’s investment services, such as
action deals. TCM also collaborated with Digital Retail Bond Online, which aims to provide one-
Banking and Consumer Banking in developing the stop access for customers’ bond investment
foreign exchange business by launching the FX activity.
24/7 feature where customers can conduct foreign 4. Continue supporting Bank Indonesia initiatives in
exchange transactions 24 hours a day through the line with the 2030 Blueprint for Deepening Money
D-Bank PRO channel in order to meet the foreign Market and Foreign Exchange Market (BPPU),
exchange needs of the customers. including participation through instruments
such as Bank Indonesia Floating Rate Note
In line with the financial market deepening program (FRN), Overnight Index Swap (OIS), and other
of Bank Indonesia and the related authorities, instruments.
TCM also participated in the Central Counterparty
program for money market and foreign exchange
market instruments (CCP PUVA), the establishment
process of the Self-Regulatory Organization (SRO) of
the Indonesian Money Market and Foreign Exchange
Market Association (Apuvindo), participated in
the Repo transaction pilot program through the
Alternative Market Organizer System (SPPA)
organized by the Indonesia Stock Exchange (BEI),
Triparty Agent (TPA) organized by PT Indonesian
Clearing and Guarantee Corporation (IDClear), and
participated in the auction of Foreign Currency Term
Deposit from Export Proceeds (TD Valas DHE), as
well as Bank Indonesia Rupiah Securities (SRBI) and
Bank Indonesia Foreign Currency Securities (SVBI)
instruments.
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TRANSACTION BANKING
(CASH MANAGEMENT, TRADE FINANCE, & FINANCIAL SUPPLY CHAIN)
“Aligned with the Government’s strategy to
implement digitalization in Indonesia as a pillar
of economic growth, particularly in the area of
digital payments, Danamon lends its full support
& Analysis
Discussion
Management
by continuing to develop digital services that
emphasize ease of use, speed, reliability, and
robust system security in Cash Management, Trade
Finance, and Financial Supply Chain transactions.”
Danamon’s Transaction Banking continuously • Financial Supply Chain (FSC)
innovates with advanced digital technologies to Danamon’s Financial Supply Chain supports the
provide seamless customer experiences, supported smooth transaction cycle between suppliers,
by excellent service quality and robust security. distributors, and principals by providing not only
working capital and payment facilities but also
This line of business offers a range of need-based comprehensive business reports that contribute
products to meet the growing needs of its customers added value to the cooperation relationship and
in various segments, such as Corporate, Commercial, sustainability in the business ecosystem.
and Small & Medium Enterprises (SMEs). Through
Cash Management, Trade Finance, and Financial STRATEGY & INITIATIVES IN 2025
Supply Chain services, Danamon serves customers Transaction Banking will continue to develop products
with the right, effective, and competitive banking and services while leveraging collaboration with
transaction solutions. MUFG Group to expand Cash Management, Trade
Finance, and Financial Supply Chain capabilities.
The continued development of the internet banking
platform provides customers with online Cash 1. Committed to the ongoing refinement of an
Management, Trade Finance, and Financial Supply integrated financial supply chain solution, with
Chain capabilities that contribute to increased a focus on delivering comprehensive, seamless
efficiency in customers’ business activities. transaction services that are aligned with the
critical needs of customers. The Bank’s goal
PRODUCTS AND SERVICES is to provide solutions that not only streamline
Transaction Banking provides the following products: financial operations but also adapt to the dynamic
• Cash Management and evolving requirements of businesses across
Integrated banking solutions help customers to industries. Through continuous innovation and a
optimally and yet efficiently manage cash flow, customer-centric approach, Danamon enhances
liquidity, and daily transactions. Danamon Cash the functionalities of its platform to ensure that it
Management allows customers to develop and supports various aspects of the financial supply
execute business strategies more effectively. chain, from invoicing to payments and cash flow
• Trade Finance & Services management.
Danamon’s Trade Finance services help 2. The Bank continues the development of Danamon
customers to make trade transactions and Cash Connect (DCC), focusing on providing
obtain working capital financing, which covers domestic payments and remittances faster,
international trade (import and export) and easier, and more efficient. With streamlined
domestic trade. payment processes and enhanced capabilities,
108 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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DCC users can experience quicker transaction to the provision of working capital loans to 235
processes, greater reliability, and a better new distributors.
customer experience that simplifies their daily • Supply chain credit portfolio has increased by
banking tasks. 25%, with a notable rise in the upstream sector,
3. As one of the Appointed Cross Currency Dealers particularly supplier financing.
(ACCD), Danamon’s TB supports the Government’s • Trade finance portfolio has grown by 18%,
program to increase direct settlement transactions primarily driven by the Corporate and commercial
between IDR and the currencies of the destination segments.
countries and remains committed to continuing
the Local Currency Settlement (LCS) service with STRATEGY AND INITIATIVES FOR 2026
several countries, including Thailand, China, and Transaction Banking will continue to advance its
& Analysis
Discussion
Management
other currencies within the LCS coverage. products and services solutions through collaboration
4. Danamon’s API Central steadily expands the Digital with MUFG Group, particularly in Cash Management,
Banking ecosystem by providing customers with Trade Finance, and Financial Supply Chain
seamless, efficient, and value-added financial
solutions. With the introduction of new API 1. Commitment to continuously improving financial
features, the Bank expands service offerings to supply chain solutions that deliver comprehensive
include Direct Debit, Bill Payment, and Financial transaction services tailored to customer needs.
Supply Chain as part of its continued support for The Bank will further develop an ecosystem
customers in conducting their financial business that supports both upstream and downstream
more efficiently and with greater transparency. financing. This approach will enable more
5. Multi-Currency Account – A strategic development structured and risk-protected credit financing.
that provides customers with business activities in Through ongoing innovation and a customer-
several currencies the convenience of managing focused strategy, Danamon is enhancing its
all transactions in one account. platform to support all aspects of the financial
6. MUFG Collaboration supply chain, including invoice issuance,
Transaction Banking, in collaboration with payments, and cash flow management.
MUFG Bank, is expanding partnerships with 2. The Bank will continue to expand the scope and
business principals and distributors in industries product holdings of its financing and trade finance
such as automotive, FMCG, pharmaceuticals, services to complement the conventional credit
construction, and other MUFG Group-affiliated financing it already provides to customers. The
companies. This partnership also enables end- Bank will increase its focus on export services
to-end lending for suppliers of financed anchors. and financing, which has a trickle-down effect on
increasing third-party funds and potential Foreign
2025 PERFORMANCE Exchange (Forex) transactions.
Despite facing numerous challenges in 2025, 3. The Bank continues the development of Danamon
particularly with the market rate competition and the Cash Connect (DCC), to provide faster and more
slowdown in the automotive sector, which impacted efficient domestic payment and remittances, with
supply chain businesses, Transaction Banking has streamlined processes and enhanced capabilities
navigated 2025 successfully, achieving the following and an improved customer experience in
key milestones: managing daily banking activities.
• Digitalization efforts have resulted in an 11% 4. Collaborating with financial technology companies
increase in active Internet Banking users across to deliver faster, simpler remittance transactions,
the Corporate, Commercial, and SME segments, enhancing overall convenience.
contributing to a 30% growth in digital transactions 5. Leverage collaboration with the Bank’s Group
in 2025. Companies across domestic, regional, and
• New partnerships have been established with 28 global networks to provide Danamon’s clients
principles from the automotive, FMCG, building with value-added and comprehensive financial
materials, and manufacturing industries, leading services.
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SMALL MEDIUM
ENTERPRISE (SME) BANKING
“Operating income grew by 10% in 2025, recording
& Analysis
Discussion
Management
its highest growth since 2021. This achievement
was supported by quality loan growth and the ability
to maintain stable lending rates.”
In developing its SME business, Danamon Collaboration with the Global Collaboration Office
consistently provides comprehensive solutions, (GCO) through the Business Matching program
including working capital and investment financing, has connected Danamon’s SME customers with
customer deposit management, cash management MUFG entities to create and develop new business
services, and bancassurance products, all supported opportunities. This program is specifically designed
by transaction ease and banking service optimization. to support SMEs by providing a range of services,
Concurrently, inter-divisional collaboration and encompassing business matching between sellers
strengthening the MUFG ecosystem through and buyers, initiating Mergers and Acquisitions
referral and cross-selling strategies are consistently (M&A), establishing Joint Ventures (JV), and assisting
implemented to drive quality SME credit growth while in the search for business locations or industrial
adhering to prudent financing principles. estates.
Danamon’s commitment to delivering the best In addition to external strategies, various internal
customer experience is realized through credit initiatives have been implemented to accelerate
application process improvements, digital business growth, such as leveraging Artificial
channel expansion, human resource competency Intelligence (AI) and data analytics to generate
development, and specialized programs to enhance potential leads and providing interactive dashboards
customer loyalty. All these efforts are supported by to support sales teams in developing acquisition and
continuous innovation based on Artificial Intelligence win-back strategies.
(AI) and data analytics to ensure competitive and
relevant SME Banking services. SME Banking focused on strengthening sustainable
profitability by increasing quality loan volume,
2025 STRATEGY AND INITIATIVES executing tactical programs for more optimal loan
Danamon’s 2025 SME Banking strategy is based utilization, and maximizing non-interest income
on inter-divisional collaboration and strengthening through synergy with related divisions such as
relationships within the MUFG Group ecosystem. Treasury, Wealth Management, and Trade Finance.
Cross-divisional synergy involving Enterprise These efforts are supported by low-cost funding
Banking, Consumer, Branch Network, Sharia, and accumulation driven by increased transaction activity
Supplier & Distributor financing has been the driver through digital channels.
of SME loan growth.
110 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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2025 PERFORMANCE • Maintaining healthy loan profit margins
• SME loan portfolio reached Rp27.1 trillion, through loan portfolio management guided by
a 6% increase compared to 2024’s Rp25.4 trillion. prudence and risk management principles.
This achievement was supported by strong inter- • Increasing the number of proposal submissions
divisional collaboration, strategic partnerships and the realization of loan facility utilization.
with the MUFG Group, and commitment to credit • Executing three new initiatives in 2026:
process improvement. 1) Developing innovative new programs to
• The funding portfolio (CASA and TD) grew support debtor working capital needs.
22% YoY to Rp27.6 trillion. This growth is in line 2) Encouraging maximum utilization of loan
with a 14% increase in low-cost funding. facilities by debtors.
• In terms of profitability, SME Banking recorded 3) Creating a collaborative ecosystem
& Analysis
Discussion
Management
an increase in Operating Income, primarily driven between head office and regions to
by Net Interest Income growth. This increase was strengthen coordination and expand
supported by loan portfolio expansion and the financing reach.
ability to maintain stable lending rates, thereby
strengthening loan margins. b) Funding
• SME Banking also recorded an increase in non- Strengthening an efficient and sustainable
interest income, derived from Credit Related, funding structure with the following strategies:
Trade Finance, and Cash Management activities. • Increasing funding in the form of Current and
• The implementation of effective risk management Savings Accounts to reduce funding costs
successfully reduced the NPL ratio from 3.14% to and make lending rates more competitive.
2.77% at the close of 2025. • Optimizing features and usage of digital
banking channels (e-channel & cash
2026 STRATEGY AND INITIATIVES management), such as Danamon Cash
The 2026 SME Banking strategy will focus on four Connect (DCC) and D-Bank PRO, which can
main pillars: assist customers in transacting, thereby
• Disbursement of quality financing increasing transactions and customer loyalty.
• Strengthening the low-cost funding and • Expanding the funding base by strengthening
transaction base relationships with individual and institutional
• Increasing non-interest income customers and encouraging an increase in
• Optimizing productivity through process daily transaction frequency.
digitalization, cross-business unit synergy, • Developing a Regional-Based Ecosystem
and sustainable human resource competency through the branch network to build business
development. communities and sustainably strengthen
funding.
Collectively, these policies are expected to enhance
the SME segment’s contribution to Bank profitability c) Non-Interest Income
and strengthen the Bank’s role in supporting SME Increasing the proportion of non-interest income
debtor financing and driving national economic to total operating income. Key strategies to be
growth. implemented are as follows:
• Increasing foreign exchange income by
The SME Banking strategy is as follows: expanding the base of active customers and
transaction volume.
a) Loan • Launching new products and programs
The 2026 strategic focus is directed towards targeted at corporate customers to increase
increasing the disbursement of quality and transaction activity.
sustainable loan through cross-business unit
collaboration and strengthening the business
ecosystem. Key strategies to be implemented
include:
• Optimizing collaboration between business
unit divisions and group businesses, including
through ecosystem synergy with the Enterprise
Banking unit to strengthen financing.
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• Implementing a loyalty program to encourage transaction frequency and enhance customer loyalty.
• Aligning Key Performance Indicators (KPIs) across business units to strengthen collaboration in
developing active users of foreign exchange services.
d) Productivity and Credit Process
The Bank is committed to implementing continuous improvement programs in the credit process and
enhancing sales force productivity. The policy direction and strategic steps taken include:
• Regular discussion forum between Credit and Business teams to accelerate credit proposal completion
time (Turn Around Time/TAT).
• Simplifying the credit process to increase business team productivity.
• Developing interactive instruments based on data analysis to help branches efficiently identify potential
& Analysis
Discussion
Management
new customers.
• Improving branch productivity through more integrated data utilization and continuous business
improvement as an ongoing effort to enhance product quality, service, and business processes.
All initiatives designed for 2026 are focused on creating sustainable value, strengthening digital capabilities,
and enhancing cross-business unit collaboration to deliver adaptive, inclusive, and highly competitive financial
solutions.
Thus, Danamon is expected to maintain healthy performance, increase its contribution to national financial
inclusion, and deliver optimal benefits for all stakeholders, particularly for SME players.
112 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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CONSUMER
BANKING
“Consumer Banking focuses on increasing
& Analysis
Discussion
Management
low-cost funding and driving transaction growth
by providing financial solutions that are tailored
to customer needs and easily accessible,
primarily through the upgraded mobile banking
platform, D-Bank PRO.”
In 2025, Indonesia’s economy continued to In response to these industry dynamics, Danamon
demonstrate strong resilience amid gradual global continued to reinforce its position in the retail segment
recovery and ongoing geopolitical tensions. by placing customer-centricity and digitalization
Household consumption remained the main at the core of its growth strategy. Danamon
engine of growth, supported by stable inflation accelerated the development of digital capabilities
and improvements in purchasing power. Private to enhance customer acquisition, engagement,
investment also strengthened in line with a more and transaction activity through faster, safer, and
conducive business environment and accelerated more efficient processes. In addition, Danamon
digital transformation across sectors. Together, deepened collaborations with ecosystem partners
these factors created a favorable foundation for the to strengthen its value proposition, particularly in
financial services industry, including retail banking, lending and funding products. These initiatives
to expand intermediation and support broader support competitiveness, resilience, and sustainable
economic activity. growth amid the evolving industry landscape.
Throughout 2025, Indonesia’s banking sector PRODUCTS AND SERVICES
entered a phase of consolidation and more advanced • Privilege
digital acceleration. Loan growth began to trend Designed to provide superior services that
upward as demand for financing increased across support the well-being of customers and their
consumer and small business segments. Industry families, protecting every generation and every
liquidity remained sound, with a continued shift aspiration. Privilege offers a wide range of
toward low-cost funding driven by the optimization benefits, including Wealth Advisory, Wealth
of digital channels and app-based services. Amid Growth and Preservation, World of Privileges,
intensifying competition—particularly from digital Travel Benefits, and Convenient Access, such
banks and fintech players—traditional banks as complimentary Medical Check-Up facilities
strengthened their service differentiation strategies, at leading hospitals and health laboratories
digital security, and operational cost optimization. across Indonesia. This service is available for
Industry priorities continued shifting toward greater individual customers with a minimum total AUM of
efficiency, innovation, and the delivery of more Rp500 million.
integrated customer experiences.
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• Optimal The Danamon LEBIH PRO Multi-Currency Savings,
Created to help customers achieve their life equipped with the Danamon Global Currency Card
goals in the most optimal way, this segment and supported by attractive savings programs such
serves customers with a minimum total AUM of as “Danamon Hadiah Beruntun,” contributed not
Rp50 million. Enjoy a comprehensive solution only to the growth of third-party funds but also to
package covering savings, loans, investments, strengthening Danamon’s brand as a funding-focused
and insurance, accessible through D-Bank PRO. bank. Danamon continued its digital transformation
The offering is further enhanced by the Danamon to enhance convenience in transactions through
JCB Precious Credit Card, which provides optimal improvements in the D-Bank PRO. This effort drove
D-Point rewards, international airport lounge higher digital engagement, reflected in the increased
access, and various other benefits. volume and frequency of transactions. Danamon
& Analysis
Discussion
Management
also expanded collaboration with MUFG Group and
• Savings deepened penetration into communities or local
Provides a comprehensive range of deposit economic ecosystem around branch locations to
products designed to meet the needs of various improve service relevance and strengthen cross-
customer segments, from affluent customers selling capabilities.
to the mass market. These include the multi-
currency Danamon LEBIH PRO Savings Account, In Wealth Management, the digital channel through
which supports 12 currencies in 1 account D-Bank PRO 2.0 was utilized effectively to reach
and offers greater flexibility for international various customers by offering smooth and efficient
transactions. Savings products include savings transactions. The FX 24/7 feature enables foreign
accounts, current accounts, and time deposits. exchange buying and selling at any time. In addition,
Mutual Funds and Bonds can also be transacted
• Loans easily through D-Bank PRO 2.0. New Wealth
Offers a wide selection of lending products Management products continue to be launched
to meet customers’ diverse needs—including to meet customer needs and segments. Through
secured loans such as mortgage financing and D-Bank PRO 2.0, customers can also view all their
auto loans, as well as unsecured products such investment portfolios comprehensively.
as credit cards and personal loans.
Mortgage products recorded positive growth,
• Investments and Bancassurance supported by increased collaboration with developers
Bancassurance products through partnerships and brokers, as well as strengthened synergy with
with leading third-party financial institutions in MUFG. In the credit card business, efforts were
Indonesia. Personalized and exclusive services directed toward increasing product penetration
are available for high-net-worth customers. through various collaborative initiatives and value
proposition adjustments to reinforce customer
• Foreign Exchange & Structured Products loyalty.
Facilitates foreign exchange transactions with
competitive exchange rate and returns as well as Consumer Banking also participated in the Indonesia
seamless service experience. International Motor Show 2025 in collaboration with
Adira Finance and MUFG to enhance Danamon’s
2025 STRATEGIES AND INITIATIVES presence within the automotive ecosystem.
Throughout 2025, Danamon Consumer Banking
continued to strengthen its capabilities and strategic 2026 STRATEGIES AND INITIATIVES
execution to achieve sustainable growth. Our focus Entering 2026, Danamon Consumer Banking will
remained on increasing low-cost funds, enhancing continue the growth momentum built in 2025 by
customer transactions, and expanding an integrated focusing on low-cost funding, customer base
ecosystem. expansion, enhancing technology-driven Wealth
Management capabilities, and launching new
products that are more relevant to customer needs.
The strategy in 2026 includes:
114 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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• Enhancing the Danamon LEBIH PRO Multi- The Bank will also keep its distribution network
Currency Savings by adding more foreign effective by, e.g., branch consolidation. It involves
currencies and additional features, as well as the closure or merger of nearby branches that
implementing programs to boost acquisition and have similar activities and enhancing the Bank’s
transactions. accessibility and service quality by opening new
• Continuing acquisition, transaction, and funding branches in high-potential locations and adding
programs tailored to target customer segments, mobile cash service units (Danamon On Wheels) in
including enhancing regional ecosystems certain cities.
that leverage unique local characteristics to
strengthen the Bank’s presence and support I. Short-Term
sustainable expansion. a. Building Ecosystem Networks
& Analysis
Discussion
Management
• Advancing the development of digital Wealth To acquire new customers, increase third-party
Management services by registering the Single funds (funding), and drive transaction growth,
Investor Identification (SID) through D-Bank the Bank will develop ecosystem networks
PRO 2.0. across the following sectors:
• Adding variety to investment products, not limited • Automotive
to sharia-based, offshore, and index products, • Education
but also expanding investment access through • Sharia and religious communities
digital channels to optimize customer assets. • Other sectors
• Continue collaborating with insurance partners b. Growing Business from Existing Customers
to increase the variety of insurance product through Integrated Programs:
solutions and expand marketing channels by 1. Strengthening customer relationships
utilizing the Danamon Group network. through customer engagement activities to
• Driving sustainable growth through strengthening better understand their needs.
mortgage and credit card portfolios, product 2. Optimizing funding through dedicated
innovation in lending, process digitalization, and customer programs, such as the “Danamon
cross-selling synergies with savings products to Hadiah Beruntun” program, the Global
deliver a superior customer experience. Currency Card debit card combined with
• Continuing acquisition strategies through digital Danamon LEBIH PRO multi-currency
channels and co-branding programs, supported savings, current account products, safe
by stronger customer retention initiatives through deposit box services, and others.
loyalty programs. 3. Encouraging customers to become more
• Maintaining asset stability and quality by active in transactions, particularly through
implementing risk-based collection strategies, the enhanced D-Bank PRO mobile banking
enhancing collection system capabilities, and platform.
utilizing behavior scores to prioritize collection
more effectively. In 2026, the Bank will continue to reorganize
its network through branch consolidation. It
STRATEGIC INITIATIVES FOR THE BRANCH will involve expanding services by opening
NETWORK IN 2026 new branches in potential areas and expanding
Branch Network mobile cash service fleet.
The Bank regards physical branches as essential,
despite the rapid advancement of digitalization in the In addition, the Bank will continue its Branch
banking industry. Branches still play a strategic role, Transformation initiative by gradually
particularly in their Privilege and Optimal customer redesigning branch layouts to enhance
segments. The Bank has then aspired to transform customer comfort and service quality, thereby
its branch network by integrating physical and digital delivering a unique and memorable customer
service experiences to deliver a more comprehensive experience.
set of financial solutions to its loyal customers.
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These initiatives should:
1. Increase sales of funding products, conventional lending, and sharia financing.
2. Optimize the distribution network, including infrastructure and human resources, through the
consolidation of processes and organizational structures at both Head Office and branch levels, as
well as redefining branch staff roles to improve service quality and operational effectiveness.
3. Consolidate operations and workforce structures to facilitate more effective supervision and
communication.
4. Expand market share through new customer acquisition and by strengthening relationships with
existing customers to meet their banking needs.
II. Medium-Term
& Analysis
Discussion
Management
To support future business growth, the Bank will focus its branch network strategy on several key priorities:
a. Strengthening branch capabilities in handling large, complex, and high-value transactions to better
meet customer needs. To support this, the Bank will enhance salesforce competencies through training,
certification programs, and the use of Artificial Intelligence (AI) technology.
b. Expanding direct service access through branch offices to ensure customers can easily obtain financial
solutions tailored to their needs. The Bank will keep expanding its mobile cash service fleet (Danamon
On Wheels) in certain cities.
c. Continuing the Branch Transformation initiative in phases to improve service quality and customer
comfort, thereby delivering a distinctive and memorable customer experience.
d. Managing costs efficiently through the redefinition of staff roles, the integration of teller and Sales
Service Officer functions (Universal Bankers), and the utilization of digital services to deliver more
precise and effective customer service.
e. Driving market share growth and enhancing employee productivity by strengthening the strategic role
of regional leaders. It will be paired with ecosystem development within each branch network that
should contribute significantly to business growth.
116 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 119
SHARIA BANKING
“PT Bank Danamon Indonesia Tbk – Sharia Business
Unit (Danamon UUS) continues to develop modern,
community-oriented sharia financial services.
& Analysis
Discussion
Management
Throughout 2025, the unit expanded its sharia
ecosystem through strategic partnerships, with
priority placed on strengthening digital capabilities
and synergies with its parent bank and the MUFG
Group.”
SHARIA BANKING INDUSTRY PRODUCTS AND SERVICES
According to data from the Financial Services Danamon UUS focuses on growing its sustainable
Authority (OJK), the performance of the Islamic funding and financing through Sharia product
banking industry through December 2025 remained innovation, digitalization of secure services, and
positive. Total assets reached Rp1,067 trillion, other initiatives to strengthen the Muslim ecosystem
representing a year-on-year (YoY) increase of and the halal lifestyle. All development is geared
8.92%. Third-party funds amounted to Rp893 trillion, towards providing comprehensive, competitive, and
growing by 10.14% YoY, while financing disbursement Sharia-compliant financial solutions for all customer
increased by 9.58% YoY to Rp705.2 trillion. Overall, segments.
the Islamic banking industry maintained its market
share at approximately 7.3%. Savings
Danamon UUS offers a range of Islamic savings
To strengthen the national economy, the sharia sector products accessible through digital channels as
needs to drive digitalization of services, integration well as its branch network. These products include
of the halal ecosystem, and regulatory refinement. Danamon Save iB and Tabungan Perencanaan
Indonesia holds significant potential thanks to its Syariah iB, both of which enable customers to open
predominantly Muslim population. Financial inclusion accounts digitally without requiring a physical visit to
should be further driven by innovations such as the a branch.
digitalization of ZISWAF, as it has remained low at
13.41% despite a literacy rate of 43.42%. In addition, Danamon LEBIH PRO iB (DL PRO iB)
is a multi-currency savings product that provides
DANAMON SHARIA BANKING the capability to manage 12 currencies within a
Danamon UUS is a Sharia-compliant business unit single account, thereby enhancing the efficiency
that holds the vision of “Helping Millions of People and convenience of financial transactions, both
Achieve Prosperity with Justice Based on Sharia domestically and internationally.
Principles.”
Danamon UUS also offers the Rekening Tabungan
Danamon UUS serves all segments, from consumers, Jemaah Haji (RTJH), a savings facility integrated
SMEs, corporations, financial institutions, and with the Ministry of Hajj and Umrah Integrated Hajj
communities, to meet customer needs by Computerization System (SISKOHAT).
continuously developing and strengthening Sharia
Banking through business expansion, product These products complement Danamon UUS’s
development, and deepening relationships through broader Islamic savings portfolio, which includes
leveraging infrastructure and distribution networks. Tabungan Rencana Haji iB, Tabungan BISA Umrah
The unit drives this growth through the MUFG Group’s iB, Tabungan BISA Qurban iB, Danamon LEBIH iB,
strong business network, which is a key strength in FlexiMax iB, Giro BISA iB, and Deposito Syariah iB.
developing the Bank’s Sharia business.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 117
Page 120
Financing • Sharia Funding
To meet the needs of individuals, businesses, and By December 2025, Sharia funding reached
corporations, Danamon UUS provides a range of Rp11.3 trillion, driven by a focus on the Hajj and
sharia-compliant financing solutions, including Umrah ecosystem and strategic partnerships with
consumer financing such as sharia-compliant Islamic communities.
mortgages and special hajj financing. Commercial
and corporate financing includes sharia-compliant STRATEGIC PLAN AND INITIATIVES IN 2026
working capital, investment, sharia-compliant trade, Danamon UUS enters 2026 with a more informed
and heavy equipment financing. Specialized financing and collaborative approach, leveraging the Parent
includes Sharia Leasing, employee cooperative Bank and MUFG Group ecosystems to expand the
financing, Hajj and Umrah travel financing, and reach of Sharia services. This year’s focus includes
& Analysis
Discussion
Management
green and sustainable financing. These products strengthening services for the education community,
are designed to provide added value to customers Hajj and Umrah travelers, and Islamic institutions
and cement Danamon UUS’s position in the Sharia requiring integrated financial solutions.
ecosystem.
Strategic partnerships with Islamic communities will
Investment and Bancassurance remain a key pillar that enables digital, transparent,
Danamon UUS provides Sharia-compliant investment and Sharia-compliant financial governance and
and bancassurance products in collaboration with community activities. This collaboration will broaden
prominent financial institutions. Product options Danamon’s presence in the national Muslim
include stock-based investments and life insurance ecosystem and strengthen the Bank’s role as a
products such as Proteksi Prima Amanah, Proteksi partner for educational and social networks.
Prima Berkah.
In line with the 2026 transformation agenda,
Services Danamon UUS is accelerating the development of
Transaction services are available through digital digital capabilities, including enhancing technology-
platforms and branches, including Cash Management based Hajj and Umrah services, enhancing ZISWAF
(Danamon Cash Connect), digital onboarding for features, and implementing Sharia products that are
individuals and communities, ZISWAF services more adaptable to customers’ digital lifestyles.
through Social Banking and D-Bank PRO, and services
for educational communities, Islamic institutions, In financing, Danamon UUS will keep its priority
employees, and Hajj and Umrah organizers. on risk management and prudential principles to
maintain asset quality and ensure sustainable growth.
2025 PERFORMANCE
Danamon UUS recorded year-on-year growth
of 12.9% in assets as of December 2025, to
Rp16.1 trillion, with net income of Rp268 billion. This
growth exceeded the banking industry average,
indicating a strategic opportunity to increase the
penetration of Sharia products to drive sustainable
growth.
• Sharia Financing
Danamon UUS focuses on developing Sharia
Leasing Financing and Sharia Home Ownership
Financing, as well as special financing for Special
Hajj pilgrims and Hajj and Umrah travel agents,
while maintaining prudent lending practices.
By December 2025, Sharia financing grew to
Rp14.7 trillion.
118 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 121
MARKETING
GROUP
& Analysis
Discussion
Management
“The Marketing Group commits to boosting brand
values by raising brand awareness and fostering
positive perceptions, encourage customers
intention to banking with Danamon as their
banking partner.”
Danamon aligns its brand development with a brand • Marketing Communications: Creating
architecture that includes three key elements: brand measurable and strategic awareness through
essence, brand promise, and brand positioning, all of compelling narratives about relevant products,
which are derived from its stated vision, mission, and services, and channels, designed to meet diverse
business objectives. As part of its corporate strategy, customer needs.
the Marketing Group commits to boosting brand
values by raising brand awareness and fostering • Corporate Communications: Building thought
positive perceptions, encourage customers intention leadership, maintaining the Bank’s reputation,
to banking with Danamon as their banking partner. managing public opinion through media and public
relations, communication crisis management, and
We further manifest this commitment in the internal communications.
management of four key elements in the brand
equity model: brand awareness, brand associations, • Digital Marketing: also referred to as online
perceived quality, and brand loyalty. We communicate marketing, it is brand promotion to build
these tenets through a customer-centric, technology- relationships with potential new customers
enabled brand positioning, delivering solutions with a through digital channels. The role of Digital
human touch through products, services, channels, Marketing in this case includes managing digital
and brand stories, using an approach that sustains channels such as the Danamon Corporate
Danamon brand’s value and competitiveness in the Website (DCW), email marketing, Danamon social
market. media accounts, Search Engine Optimization,
Search Engine Marketing, digital marketing
The Marketing Group consists of: analytics, mobile advertising to ensure our
• Brand Strategy: Building and maintaining online presence and increase brand awareness,
Danamon’s brand consistency with a series of marketing initiatives, and sales.
relevant brand stories across all channels and
platforms. The Brand Strategy team creates a • Brand Activations: Building brand relevance and
positive and modern image that builds trust and scale that provides the perception that Danamon
closeness with customers to support the mission is “everywhere” and creating a strong brand
of becoming a bank of choice. presence in people’s lives by bringing brand
experiences that are relevant to their aspirations,
needs, and lifestyle.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 119
Page 122
• Marketing Research & FOR: Building a Marketing showcase their unity. The event also marked the
Group organization based on data and in-depth launch of “Danamon on Wheels.” In all branches,
insights into customer behavior and market customers were treated to delicious cakes as
dynamics. A further task involves ensuring all a gesture of appreciation. The festivities were
marketing activities are risk-mitigating to create elevated by introducing the Danamon Special
effective, safe, customer-driven execution while Edition Helmet, a creative collaboration between
remaining regulatory compliant. Tahilalats and Cargloss, which highlights Danamon’s
innovative spirit and dedication to the community.
• Marketing Planning & Governance: Responsible The celebration culminated in an exciting “Rolling
for managing the marketing budget bankwide, Thunder” activity, where representatives from each
monitoring, and tracking to review its usage region rode around on motorcycles sporting the
& Analysis
Discussion
Management
and effectiveness. Governance Management for Danamon Helmets.
Marketing Group.
Danamon on Wheels Launch
MARKETING ACTIVITIES 2025 The launch of a more modern mobile branch concept
Grow with Danamon Group called “Danamon on Wheels” focused on reaching
As part of Mitsubishi UFJ Financial Group (MUFG), customers in areas with limited banking access
one of the world’s largest financial services groups, and supporting the business activities of payroll
Danamon and Adira Finance, together with other customers and communities who have become
group members Zurich Asuransi Indonesia and Danamon’s partners. “Danamon on Wheels” is
Home Credit Indonesia, operate in synergy as One available in Jabodetabek, Bali, Central Java and East
Financial Group. We are committed to delivering Java.
holistic financial solutions and banking experiences
to support the Indonesian community in achieving Jak Japan Matsuri
prosperity, enabling them to grow and thrive through Danamon, along with MUFG, Adira Finance, Home
meaningful financial services. Credit Indonesia, and Zurich Asuransi Indonesia,
attended Jak Japan Matsuri (JJM) 2025 as part
Indonesia International Motor Show 2025 of the One Financial Group concept. With this
Danamon, in collaboration with Adira Finance and participation, the group aims to cement its presence
supported by MUFG, is committed to supporting the in the cultural and lifestyle ecosystem, while
automotive industry through, e.g., its presence at one simultaneously bringing financial services closer to
of the largest automotive exhibitions in Indonesia, the public through an interactive festival experience.
with synergies that strengthen all parts of the At this event, which promoted Indonesia-Japan
automotive financial supply chain in Indonesia, from friendship, Danamon and the group hosted various
upstream to downstream. With a holistic financial engaging activities, such as interactive booths and
solutions approach, Danamon Group is ready to grow exclusive product promotions. Danamon’s presence
with customers and support them at every stage to at JJM 2025 reflects its commitment to providing
achieve their financial goals. holistic, innovative, and relevant financial solutions
for modern lifestyles.
D-Bank PRO Now Comes with the Latest Version
Update Danamon Cash Connect Customer Gathering &
D-Bank PRO #SelaluMenggoda now comes with the Economic Outlook 2025
latest version update, offering a variety of services Danamon hosted the Danamon Cash Connect
that offer ease and convenience in transactions with Customer Gathering & Economic Outlook Series
special features, such as QRIS (no login required), in Jakarta, Medan, and Bandung. These events
simply enter your m-PIN, 24/7 foreign exchange provided the latest economic insights and strategies
transactions, customizable menu displays, one- for addressing business challenges for Corporate
screen financial monitoring, and other features. Customers. Introduced at the event was Danamon’s
Integrated Cash Management Solution through
Danamon’s 69th Anniversary Danamon Cash Connect, which offers a variety of
On July 16, 2025, Danamon celebrated its 69th reliable, secure, and easy-to-use features to support
Anniversary with a series of heartfelt activities. At corporate financial operations.
the Menara Bank Danamon headquarters, a Mini
Internal Celebration took place, bringing together
representatives from the Danamon Group to
120 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 123
MUFG N0W Indonesia 2025 2026 STRATEGY AND ACTION PLAN
MUFG and Danamon hosted the MUFG Net Zero Boosting Brand Awareness
World (MUFG N0W) Indonesia 2025 in Jakarta. For • Delivering a brand story relevant to customer
the second consecutive year, MUFG N0W Indonesia needs and aspirations across various platforms
2025, MUFG and Danamon’s flagship event in thought and channels.
leadership and engagement in the Asia-Pacific • Optimizing brands, products, services, and
region, was hosted to engage relevant stakeholders, channels across various platforms to create a
including policymakers, business leaders, and consistent and engaging brand experience.
industry experts, in driving the sustainability agenda
in Asia Pacific and Indonesia. The two banks also Strengthening Brand and Product Perception
conducted a Net Zero School educational program • Bringing the identity of Danamon and its group
& Analysis
Discussion
Management
for the media to increase sustainability literacy, upfront by highlighting local strengths and global
emphasizing their roles as strategic partners capabilities.
in realizing inclusive and sustainable growth in • Managing integrated communications, both for the
Indonesia. market (customers) and internally (employees), to
create pride and trust toward the brand.
Danamon Mini Travel Fair
Danamon hosted a Mini Travel Fair at 8 (eight) Positioning Danamon as a Financial Solution
Danamon branches (Jakarta, Bogor, and Makassar) Provider with Mainly Digital Base
with a special offer of “Travel Around the World • Developing a positioning relevant to the digital era
and Save 50%” by locking funds (3-month term) with the optimization of digital channels.
and allowing foreign exchange transactions using • Providing financial solutions that adapt to the
Danamon LEBIH PRO/Danamon LEBIH PRO iB needs of modern consumers.
savings accounts.
Strengthening Solution-Based Communications
Journalist Class • Delivering value propositions that combine
A regular program organized by the Marketing product, service, and channel excellence.
Group as part of the Bank’s Annual Financial Literacy • Building strong, meaningful, and relevant
Program. The purpose of this activity is to provide communications to create emotional connections
junior journalists from the business/economics/ with customers.
banking desk with knowledge regarding the • Position product features, services, and channels
mechanisms of products/services offered by Banks as solutions that help customers identify and
in general. Throughout 2025, three Journalist Class meet their financial needs.
activities were held with the following topics:
1. Bancassurance - “Menulis Masa Depan: Karena
Mimpi Tak Cukup Tanpa Perlindungan.”
2. Sharia Business Unit - “Haji Muda: Bijak Finansial
dengan Solusi Perbankan Syariah,” and
3. Treasury Economist - “Kinerja Makroekonomi
Indonesia: Arah dan Prospek 2026.”
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 121
Page 124
PT ADIRA DINAMIKA
MULTI FINANCE TBK
& Analysis
Discussion
Management
“Adira Finance continues to strengthen collaboration
within the group (Danamon and MUFG) to support
the growth of the automotive ecosystem.”
PROFILE Adira Finance provides digital platforms/mobile
PT Adira Dinamika Multi Finance Tbk or Adira Finance application, such as Adiraku, Danadira, Mantis,
was established in 1990 and started its operation in momobil.id, momotor.id, and dicicilaja.com, capable
1991. In 2004, Adira Finance conducted initial public of reaching customers nationwide.
offering and was acquired by PT Bank Danamon
Indonesia Tbk (Danamon). Adira Finance has become 2025 STRATEGIES AND WORK PROGRAMS
a leading company in the financing sector that serves Adira Finance implemented several strategies and
variety of brands and products. The Company provides programs to respond to challenges in 2025, including:
financial solutions throughout the consumer’s life
cycle, from automotive financing, both new and used 1. Strategies in Business Development
ones, electric vehicles, heavy equipment, and umrah • Adira Finance continues to strengthen its
financing, as well as SolusiDana secured by vehicle penetration in the automotive business
ownership documents (BPKB). through product diversification, offering
various attractive sales programs for
As part of the financing business consolidation within customers, strengthening good relations with
the MUFG Group, the merger of Mandala Finance dealers, and enhancing collaboration within
into Adira Finance became effective on October 1, the MUFG group to support the growth of the
2025. Following the merger, Danamon holds a 74.5% automotive ecosystem.
ownership stake in Adira Finance, while MUFG Bank • Adira Finance expands networks to non-
Ltd. owns 18.93%. As a subsidiary of Danamon and automotive businesses by continuing to
MUFG Bank, Adira Finance is now part of the MUFG diversify the products offered to support
Group, one of the largest banks in the world. business growth such as SolusiDana
financing, heavy equipment financing, and
Following the merger with Mandala Finance, Adira others.
Finance now operates 877 business networks • Adira Finance focuses to increase customer
consisting of branch offices and representative retention by offering loyalty and referral
offices, serving 2.6 million active customers across programs, as well as conducting cross-selling
Indonesia, with managed receivables amounting based on existing consumers needs, thereby
to approximately Rp63 trillion. To support real- providing a better customer experience
time, easy, safe, and convenient transactions, to support the growth of the Company’s
financing.
122 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 125
• Adira Finance accelerates digitalization within Throughout 2025, Adira Finance succeeded in
the Company and its ecosystem to improve maintaining its domestic rating of idAAA/Stable
business efficiency and effectiveness, as well from the local rating agency (Pefindo). In addition,
as investing in digital businesses (Adiraku, the Company also maintained its international
Danadira, Mantis, momobil.id, momotor.id, ratings of BBB from Fitch Ratings and Baa1/Stable
moservice.id, and dicicilaja.com). from Moody’s. The preservation of these ratings
• Adira Finance continues to manage its asset can positively impact investor confidence in Adira
quality in order to keep the NPF ratio under Finance. Furthermore, these rating is expected to
control by applying prudent risk-management strengthen the Company’s ability to access more
principles. competitive funding sources, both domestically
• Adira Finance secures sufficient liquidity to and internationally.
& Analysis
Discussion
Management
fund business requirements and to meet all
financial obligations. 3. Initiatives to increase productivity and
operational excellence
2. Strategies in managing optimal funding a. Organizational Strengthening. The Company
Throughout 2025, Adira Finance had sufficient has undertaken initiatives to strengthen its
liquidity to pay its financial obligations and organizational structure, particularly within
fund its business needs using income from its the Information Technology (IT), Digital
customers’ installment payments and available Business, Sales and Service Distribution, Non-
funding sources facilities. Automotive Marketing, Fleet Marketing, and
several other functions, in order to support the
Adira Finance diversified its funding sources implementation of the Company’s business
through continuous support from joint financing strategies.
with its parent company, Danamon, and external b. Productivity Enhancement. Productivity
borrowings, including bank loans and bonds. As of improvement initiatives are carried out through
December 2025, joint financing represented 41% several programs, including workforce
of managed receivables. While Adira Finance’s allocation adjustments based on business
total external borrowings in December 2025 performance, business potential, and regional
slightly decreased by 0.6% YoY to Rp20.1 trillion, characteristics. In addition, the Company
consisting of onshore and offshore bank loans has revamped its onboarding program to
and bonds and sukuk, each contributing 49% accelerate employees’ learning curves, as well
and 51%, respectively. As a result, the company’s as implemented various upskilling programs,
gearing ratio recorded at 1.4 times in 2025. refreshment trainings, and certifications
across selected functions and positions to
As part of the Company’s effort to diversify its optimize technical competencies.
funding sources, Adira Finance regularly issues c. Leadership Strengthening. Leadership
bonds on an annual basis. Throughout 2025, strengthening is conducted through the
Adira Finance successfully issued Continuing implementation of employee character values
Bonds VI Phase V in February 2025 with a known as CErDIK (Agile, Entrepreneurial,
total issuance value of Rp2.1 trillion. This was Disciplined, Integrity, and Competent), the
followed by the issuance of Continuing Bonds implementation of the Adira Leadership
VII Phase I and Continuing Mudharabah Bonds Program, as well as succession planning
VI Phase I in July 2025 amounting to Rp1.5 programs.
trillion, and subsequently the Continuing Bonds d. Strengthening Employee Engagement.
VII Phase II and Continuing Mudharabah Bonds Various employee engagement activities were
VI Phase II in October 2025 with a total value of organized to foster a productive, innovative,
Rp2.4 trillion. All these issuances were met with and enjoyable work environment, including
strong positive market responses, as reflected in Adira Got Talent, Advaganza sports events,
oversubscription levels of 2.3 times, 3.7 times, Advaganza arts and cultural activities, the
and 6.7 times, respectively. This robust demand Festival Pasar Rakyat (FPR), and other major
underscores the high level of investor confidence corporate events.
and the strong credibility of Adira Finance in the
capital market.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 123
Page 126
e. Culture Development which Supports Business Initiatives, Innovation, and Employee Productivity.
Cultural development is carried out through the strengthening of Adira Top corporate values, the
implementation of the CErDIK employee character, the development of Agile and Digital cultures, Digital
Culture initiatives and AHA (Adira Happiness Program), as well as the cultivation of an innovation-
driven culture.
f. Improvement of Digital Capability. The Company enhanced its digital capabilities by strengthening
awareness and developing employee skills in leveraging artificial intelligence (AI) technologies to
improve work efficiency and effectiveness.
g. Improving the role of Change Management. Change management efforts were reinforced through
enhanced oversight of transformation project implementation, as well as the execution of policies
aimed at driving changes in employee mindset, work patterns, and behaviors.
& Analysis
Discussion
Management
2025 PERFORMANCE
Details of the 2025 business performance are outlined in the following table:
2025 2025
Details YoY 2024
Achievement Projection
New Financing (Rp trillion) 17.8% 36.6 43.2 12%-14%
Managed Receivables (Rp trillion) 13.3% 56.0 63.4 5%-7%
Net Profit (Rp trillion) *
(14.7%) 1.8 1.5 Refers to the growth of
managed receivables,
cost of funds and
operational expenses
Non-Performing Financing (%) (0.3%) 2.2% 1.9% ±2.25%
Market Share - Motorcycles (%) 1.5% 8.5% 10.0% ±9%
Market Share - Cars (%) 0.1% 4.0% 4.1% ±4%
*
Comparative information has been restated as a result of the merger, in accordance with the audited financial statement
2026 STRATEGIES AND PLANS
Adira Finance’s several strategies to be executed in 2026 are as follows:
• Adira Finance will continue to optimize its penetration in the automotive business through product
diversification, offering various attractive sales programs for customers, strengthening good relations with
dealers, and enhancing collaboration within the MUFG group to support the growth of the automotive
ecosystem.
• Adira Finance expands networks to non-automotive businesses by continuing to diversify the products
offered to support business growth such as SolusiDana financing, heavy equipment, and others.
• Adira Finance focuses on increasing customer retention by offering loyalty and referral programs, as well
as conducting cross-selling based on needs to existing consumers. Thus, providing a better customer
experience to support the growth of the Company’s financing.
• Adira Finance accelerate digitalization within the Company and its ecosystem to improve business
efficiency and effectiveness, as well as investing in digital businesses (Adiraku, Danadira, Mantis,
momobil.id, momotor.id, and dicicilaja.com).
• Adira Finance will continue to manage its asset quality in order to keep the NPF ratio under control by
applying prudent risk-management principles.
• Adira Finance will secure sufficient liquidity to fund business requirements and to meet all financial
obligations.
124 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 127
FINANCIAL
REVIEW
In 2025, Danamon recorded net profit after tax
& Analysis
Discussion
Management
of Rp4.0 trillion, an increase of 14.0% from the
previous year. Total consolidated gross loan
(including consumer financing and finance lease
receivables) reached Rp210.9 trillion, up 9.8% year-
on-year. Danamon’s consolidated gross NPL ratio
was well managed at 1.7% as of year-end.
The following financial reviews are based on Danamon and its subsidiary consolidated financial statements
position as of December 31, 2025, and consolidated financial performance and consolidated cash flows for
the corresponding fiscal year, in accordance with Indonesian Financial Accounting Standards.
The financial information as of and for the year ended December 31, 2025, was derived from the consolidated
financial statements which have been audited by Public Accounting Firm Liana Ramon Xenia & Rekan (LRX),
with engagement partner Elisabeth Imelda, S.E., M.Ak., CPA., expressing an unmodified opinion.
LRX is a member (as such term is used in Regulation of the Ministry of Finance Number 186/PMK.01/2021 and
Regulation of the Financial Services Authority Number 9 of 2023 (the Relevant Law)) of Deloitte Southeast
Asia Limited (DSEAL). DSEAL is the registered Foreign Audit Organisation (Organisasi Audit Asing OAA) to LRX
for the purposes of the Relevant Law.
LRX is a legally separate and independent entity liable for its own acts and omissions and it cannot obligate or
bind DSEAL in respect of third parties.
(in Rp billion)
2025 2024 3
Description
Retail
1
Wholesale 2
Total Retail
1
Wholesale2 Total
Assets 85,134 174,072 259,206 82,701 150,166 232,867
Liabilities 77,876 126,829 204,705 76,586 102,951 179,537
Net interest income 12,714 5,210 17,924 12,420 4,736 17,156
Non-interested income 3,412 1,644 5,056 3,474 1,191 4,665
Operating Income 16,125 6,854 22,979 15,894 5,927 21,821
Operating Expense (10,300) (2,873) (13,173) (9,484) (2,719) (12,203)
Cost of Credit (4,172) (176) (4,348) (4,386) (469) (4,855)
Non-Operating Income and Expense (99) 27 (72) (74) 29 (45)
Restructuring Cost - -
Profit Before Income Tax 5,387 4,718
Income Tax (1,192) (1,023)
Net Income from Continuing Operations 4,194 3,695
Net Income 4,194 3,695
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 125
Page 128
2025 20243
Description
Retail1 Wholesale2 Total Retail1 Wholesale2 Total
Net Profit Attributable to Parent Entity 3,971 3,483
1. Consists of product and services (includes loans, deposits and other transactions) for individual customer and balances with retail customer.
2. Consists of products and services (includes loans, deposit, and other transaction) for the small-medium enterprise, commercial, corporate, financial institution
customers, and treasury activities.
3. As restated
CONSOLIDATED FINANCIAL STATEMENTS POSITION
Danamon posted total assets of Rp275.7 trillion in 2025, an increase of 11.2% compared to Rp248.0 trillion in
the previous year. Assets growth was primarily driven by higher net loans and Government Bonds, which rose
11.9% and 14.3% to Rp166.4 trillion and Rp21.4 trillion, respectively.
& Analysis
Discussion
Management
In line with this asset increase, the Bank’s total liabilities rose from Rp193.1 trillion in 2024 to Rp217.7 trillion in
2025. The main contributor was a 17.8% increase in Third Party Funds (TPF), which reached Rp182.3 trillion,
up from Rp154.7 trillion in the prior year.
ASSETS
(in Rp billion)
Growth
Description 2025 20241
YoY
Cash 2,947 2,502 17.8%
Current Accounts with Bank Indonesia 7,690 6,382 20.5%
Current Accounts with Other Banks-net 2,402 1,940 23.8%
Placements with Bank Indonesia and other banks - net 2,379 4,417 -46.1%
Marketable securities - net 21,346 14,479 47.4%
Loans - net 166,378 148,697 11.9%
Consumer Financing Receivables & Finance Lease
35,144 33,827
Receivables - net 3.9%
Government Bonds 21,379 18,699 14.3%
Fixed assets and Right-of-Use Assets-net 2,693 2,691 0.1%
Others 13,356 14,333 -6.8%
Total assets 275,714 247,967 11.2%
1. As restated
CASH
Danamon’s cash balance increased by 17.8% reaching Rp2.9 trillion as of 31 December 2025, compared to
previous year’s position of Rp2.5 trillion. Cash contributed 1.1% of Danamon’s total assets.
CURRENT ACCOUNTS WITH BANK INDONESIA
Current Accounts with Bank Indonesia grew by 20.5% to Rp7.7 trillion from Rp6.4 trillion in the previous year
following lower reserve requirements. The ratio of Danamon’s reserve requirement in Rupiah is 4.9% while
reserve requirement in foreign currencies is 2.1% in 2025.
CURRENT ACCOUNTS WITH OTHER BANKS
Current Accounts with other banks in 2025 increased by 23.8% to Rp2.4 trillion. Current Accounts with other
banks accounted for 0.8% of total assets in 2025.
PLACEMENT WITH OTHER BANKS AND BANK INDONESIA
Danamon’s placements with Other Banks and Bank Indonesia decreased by 46.1% to Rp2.4 trillion in 2025
compared to Rp4.4 trillion in previous year. The decrease was driven by lower placement in Time Deposits of
Bank Indonesia denominated in both Rupiah and foreign currencies.
126 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Based on the prevailing BI regulations, all placements with other banks and Bank Indonesia as of 31 December
2025 and 31 December 2024 are classified as current.
MARKETABLE SECURITIES
Marketable Securities increased significantly by 47.4%, dominated by 81.9% corporate bonds issued by banks
with the remainder 18.1% issued by non bank corporations.
GOVERNMENT BONDS
Danamon’s Government Bonds rose 14.3% to Rp21.4 trillion, driven mainly by higher holdings of Rupiah
denominated bonds.
& Analysis
Discussion
Management
LOANS
In 2025, disbursed net loans reached Rp166.4 trillion, 11.9% higher than in 2024, while gross loans grew by
11.2% YoY to Rp173.8 trillion. Additionally, gross loan continued to have the largest contribution to total assets,
standing at 63.0% in 2025.
Based on currency type, Rupiah denominated loans increased 15.2%, while foreign currency loans declined
21.8% in 2025. The portions of these two types of loans were 92.4% and 7.6%, respectively, in 2025.
Meanwhile, based on the types and orientation of use, working capital loans comprised 55.2% of total loans
and investment loans 20.4%, contributing a combined 75.6% productive lending to total loans.
Additionally, consumer loans increased by 6.6% to Rp42.3 trillion in 2025, supported by government measures
to boost purchasing power.
The following table shows loans disbursement based on economic sector:
(in Rp billion)
Growth
Description 2025 20241
YoY
Wholesale and retail 31,910 32,269 -1.1%
Manufacturing 30,670 30,112 1.9%
Financial intermediary 21,419 23,272 -8.0%
Transportation, warehousing, and communications 7,170 8,010 -10.5%
Construction 11,099 3,028 266.5%
Households 42,195 39,545 6.7%
Others 29,298 19,975 46.7%
Total-gross 173,761 156,211 11.2%
1. As restated
The following table shows loans disbursement based on geography:
(in Rp billion)
Growth
Description 2025 20241
YoY
Jakarta, Bogor, Tangerang, Karawang, Bekasi, and
125,156 109,923
Lampung 13.9%
West Java 7,229 6,919 4.5%
North Sumatra 10,710 10,892 -1.7%
East Java 9,773 8,866 10.2%
Central Java and Yogyakarta 7,180 6,682 7.5%
Sulawesi, Maluku, and Papua 5,161 5,096 1.3%
Kalimantan 4,299 3,935 9.3%
South Sumatra 2,565 2,403 6.8%
Bali, NTT, and NTB 1,688 1,495 12.9%
Total-gross 173,761 156,211 11.2%
1. As restated
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 127
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PRIME LENDING RATE
Following are the Prime Lending Rate calculated and published at the end of December 2024 and 2025:
Data Period: Non MSME Loan MSME Loan Non
Mortgage
December 2025 Mortgage
Corporate Retail Medium Small Micro
Prime Lending Rate (%) 8.35% 8.85% 9.35% 9.35% N/A 8.00% 9.10%
Data Period: Non MSME Loan MSME Loan Non
Mortgage
December 2024 Mortgage
& Analysis
Discussion
Management
Corporate Retail Medium Small Micro
Prime Lending Rate (%) 8.50% 9.00% 9.50% 9.50% N/A 8.00% 9.25%
The weighted average effective interest rate per annum for the year ended 31 December 2025 was 8.5% for
Rupiah and 5.5% for foreign currencies. In the previous year, the effective interest rates were 8.7% and 6.0%,
respectively.
CONSUMER FINANCING RECEIVABLES AND FINANCE LEASE RECEIVABLES
In addition to bank loans, Danamon also provides consumer financing receivables and finance lease receivables
on a consolidated basis through its subsidiary, Adira Finance. Net consumer financing receivables and finance
leases slightly increased by 3.9% to Rp35.1 trillion in 2025, up from Rp33.8 trillion in the previous year.
Collectability of Loans, Consumer Financing and Finance Leases
Description 2025 20241
NPL-Gross 1.7% 1.9%
Special Mention 5.7% 7.5%
Current 92.6% 90.6%
1. As restated
FIXED ASSETS AND RIGHT-OF-USE ASSETS
Danamon’s fixed assets and Right-of-use assets in 2025 increased by 0.1% to Rp2.69 trillion.
(in Rp billion)
Fixed Assets 2025 2024
1
Growth
Land 684 683 0.1%
Building 873 784 11.4%
Building in Progress 8 11 -27.3%
Office Supplies 450 429 4.9%
Motor vehicles 13 30 -56.7%
Total fixed assets - net 2,028 1,937 4.7%
Rights of use assets 2025 2024
1
Growth
Cost 1,457 1,390 4.8%
Accumulated amortization 792 637 24.3%
Total right of use assets - net 665 753 -11.7%
Total fixed assets and right of use assets 2,693 2,690 0,1%
1. As restated
OTHER ASSETS
Danamon’s other assets comprised of accounts other than those described above. The total other assets
decreased to Rp13.4 trillion in 2025 from Rp14.3 trillion in the previous year.
128 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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LIABILITIES
To support the loan growth, Danamon’s funding sources consist of customer deposits, deposits from other
banks, securities issued and borrowings.
(in Rp billion)
Liabilities 2025 20241 Growth
Customer Deposits 174,177 150,467 15.8%
Deposits from Other Banks 8,122 4,205 93.2%
Total Third-Party Funds 182,299 154,672 17.8%
Bonds Payable 10,167 7,536 34.9%
& Analysis
Discussion
Management
Borrowings 9,202 12,373 -25.6%
Subordinated Loans 25 25 0.0%
Others 16,009 18,543 -13.7%
Total 217,702 193,149 12.7%
1. As restated
DEPOSITS FROM CUSTOMERS
Danamon’s customer’s deposits amounted to Rp174.2 trillion in 2025, comprised of 42.3% in Current and
Savings Accounts (CASA) and 57.7% in Time Deposits. Customer deposits contribution to total liabilities
reached 77.9% and 80.0% in 2024 and 2025 respectively.
(in Rp billion)
Description 2025 2024 1
Growth
Current Account 33,852 25,996 30.2%
Savings 39,813 36,188 10.0%
Time Deposits 100,512 88,283 13.9%
Total 174,177 150,467 15.8%
1. As restated
DEPOSITS FROM OTHER BANKS
Danamon also has deposits from other banks as a funding source for business expansion. In 2025, deposits
from other banks reached Rp8.1 trillion, up by 93.2% from the previous year’s position of Rp4.2 trillion.
SECURITIES ISSUED
On a consolidated basis, Danamon’s outstanding bonds reached Rp10.2 trillion in 2025, 34.9% higher than
the previous year’s position of Rp7.5 trillion. Danamon’s subsidiary, Adira Finance, issue bonds to support
financing business activities. Adira Finance’s total bonds that have not yet matured minus underwriting fees
and others are Rp8.5 trillion in 2025, higher than Rp6.3 trillion in the previous year. All Adira Finance’s bonds
were rated idAAA by Pemeringkat Efek (Pefindo).
In addition, Adira Finance has a Sukuk Mudharabah of Rp1.64 trillion in 2025, increased by 33.8% than the
previous year’s position of Rp1.23 trillion. All of Adira Finance’s Mudharabah sukuk were also rated idAAA(sy)
by Pemeringkat Efek (Pefindo).
Bonds issued by Danamon has fully matured in 2022.
BORROWINGS
Danamon’s subsidiary, Adira Finance, also has long-term financing schemes with term of more than one year
as another source of stable funding. The borrowings received came from various institutions either abroad or
domestic which demonstrates Danamon group’s high flexibility in obtaining funding sources.
Total borrowings declined 25.6%to Rp9.2 trillion, from previous year’s position of Rp12.4 trillion.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 129
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SUBORDINATED LOANS
Danamon has a strong financial support from its controlling shareholder. On 27 November 2018, the Bank
entered into a subordinated loan agreement amounted to Rp25.0 billion with fixed interest rate of 9.27%
with MUFG Bank, Ltd., a related party. The subordinated loan was fully disbursed from MUFG Bank, Ltd. on
4 December 2018. The subordinated loan has been extended on 4 December 2023 with fixed interest rate of
7.33% per annum and will mature in 5 years from the loan extension date.
EQUITY
Danamon booked a stronger equity in 2025, reaching Rp58.0 trillion. This was largely supported by a 1.2%
increase in retained earnings to Rp39.9 trillion in 2025.
& Analysis
Discussion
Management
(in Rp billion)
Description 2025 20241 YoY
Issued and Fully Paid 5,996 5,996 0.0%
Additional Paid-Up Capital 7,915 7,986 -0.9%
Other Equity Components 434 (115) 477.4%
Retained Earnings 39,924 37,200 1.2%
Merging Entity Equity - 2,248 -100.0%
Non-Controlling Interests 3,743 1,503 149.0%
Total 58,012 54,818 5.8%
1. As restated
CONSOLIDATED STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
(in Rp billion)
Description 2025 20241
Growth
Interest Income 25,941 24,498 5.9%
Interest Expense (8,017) (7,342) 9.2%
Interest Income – Net 17,924 17,156 4.5%
Other Operating Income – Net 5,056 4,665 8.4%
Other Operating Expenses (17,521) (17,058) 2.7%
Net Operating Income 5,459 4,763 14.6%
Non-Operating Income-Net (72) (45) 60.0%
Income Before Tax Expense 5,387 4,718 14.2%
Tax Expense (1,192) (1,023) 16.5%
Net Income 4,194 3,695 13.5%
Total Comprehensive Income for The Year 4,735 3,556 33.2%
Net Profit Attributable to:
Parent Entity 3,971 3,483 14.0%
Non-Controlling Interests 223 212 5.7%
Total Comprehensive Income for The Year Attributable to:
Parent Entity 4,504 3,348 34.5%
Non-Controlling Interests 231 208 11.1%
Net Income Per Share (Full Amount) 406 356 14.0%
1. As restated
130 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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NET INTEREST INCOME
In line with the increasing interest income in 2025, Danamon booked a 4.5% YoY growth in net interest income
to Rp17.9 trillion compared to previous year’s amount of Rp17.2 trillion.
OTHER OPERATING INCOME
Other operating income reached Rp5.1 trillion in 2025, improved by 8.4% compared to the previous year,
mainly driven by higher gains from sale of marketable securities.
OTHER OPERATING EXPENSES
Danamon’s other operating expenses were dominated by salaries and employee benefits, general &
administrative expenses as well provision for impairment losses. In 2025, other operating expenses increased
& Analysis
Discussion
Management
2.7% YoY to Rp17.5 trillion from Rp17.1 trillion in 2024.
NET INCOME ATTRIBUTABLE TO OWNERS OF THE PARENT
Net income attributable to Owners of the Parent Entity reached Rp3.9 trillion compared to Rp3.5 trillion in
previous year.
In 2025, Danamon’s earning per share reached Rp406 per share (full amount), compared to Rp356 per share
(full amount) in previous year.
Consolidated Statements of Cash Flows
(in Rp billion)
Growth
Description 2025 20241
YoY
Net cash provided from/(used by) operating activities 12,343 (259) -4,865.6%
Net cash provided from/(used by) investing activities (7,702) (9,447) -18.5%
Net cash provided from/(used by) financing activities (4,529) 5,474 -182.7%
Net increase/(decrease) in cash and cash equivalents 111 (4,231) 102.6%
Cash and cash equivalents at beginning of the year 15,241 18,563 -17.9%
Cash and cash equivalents at the end of year 15,419 15,241 1.2%
1. As restated
CASH FLOWS FROM OPERATING ACTIVITIES
Danamon posted a net cash provided from operating activities amounted to Rp12.3 trillion in 2025, compared
to previous year’s net cash used by operating activities of Rp259 billion.
CASH FLOWS FROM INVESTING ACTIVITIES
Danamon recorded net cash used by investment activities of Rp7.7 trillion in 2025, a 18.5% decrease compared
to the previous year’s net cash used by investing activities of Rp9.4 trillion. This decrease was mainly due to
lower proceeds from sales of and matured marketable securities and Government Bonds in 2025.
CASH FLOWS FROM FINANCING ACTIVITIES
Danamon reported net cash used by financing activities of Rp4.5 trillion in 2025, compared to previous year’s
net cash provided from financing activities of Rp5.5 trillion.
KEY FINANCIAL RATIO
Danamon conducts its business activities prudently and complied with the regulations of Bank Indonesia, OJK
as well as other prevailing laws and regulations.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 131
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Danamon’s key financial ratios are as follows:
Key Financial Ratios (%) 2025 20241
CAR-Consolidated 25.4 27.1
Gross NPL-Consolidated 1.7 1.9
ROA-Consolidated 1.6 1.5
ROE-Consolidated 8.3 7.7
NIM-Consolidated 7.4 7.7
RIM-Bank Only 96.9 97.5
LDR-Bank Only 95.5 96.5
& Analysis
Discussion
Management
Cost to Income-Bank Only 55.3 54.9
1. As restated
DEBT REPAYMENT CAPABILITY AND RECEIVABLES COLLECTIBILITY
Debt Repayment Capability
From an external perspective, the indicator of Danamon’s debt repayment capability is provided by rating
agencies either national or international scale through their ratings assigned to Danamon. Pefindo, a national
rating agency, issued an excellent rating for Danamon by assigning a corporate rating of idAAA with a Stable
outlook.
Meanwhile, an international rating agency Fitch assigns National Ratings for Long Term and Short Term to
AAA(IDN) and F1+(IDN) respectively, whilst Foreign Currency Ratings for Long Term and Short Term are BBB
and F2, respectively. The outlook for the long-term rating from Fitch is Stable.
The Bank’s participation in the guarantee program of the Indonesian Deposit Insurance Corporation (LPS) also
strengthens its ability to pay depositors’ third-party funds.
From an internal perspective, Danamon’s ability to meet all obligations, both long-term and short-term, is
measured through several ratios such as liquidity ratios, solvency ratios, and profitability ratios.
Solvency Ratio
The capital ratio is one of the parameters used in measuring the solvency ratio. Danamon always ensures that
its capital is able to meet Capital Adequacy Ratio (CAR) requirement which includes credit risk, market risk and
operational risk. On a consolidated basis, Danamon recorded a CAR of 25.4% in 2025, far above the minimum
CAR ratio required by the regulator.
Profitability Ratio
Danamon’s financial ratios to measure its profitability and performance efficiency are Return to Average Assets
(ROAA), Return to Average Equity (ROAE), Net Interest Margin (NIM), and Operating Expenses to Operating
Income (BOPO) ratio.
Danamon recorded profitability ratios of ROAA and ROAE of 1.6% and 8.3% respectively in 2025. Meanwhile,
Net Interest Margin (NIM) ratio was recorded at 7.8% in 2025. Danamon’s BOPO ratio was recorded at 79.3%
in 2025 compared to 81.6% in the previous year.
Liquidity Ratio
The bank’s liquidity management is very important to Danamon since it is closely related to the Bank’s ability
to meet either short-term or long-term obligations. Key measures of liquidity risk for Danamon include the
Macroprudential Intermediation Ratio (RIM), Loan to Deposit Ratio (LDR), Liquidity Coverage Ratio (LCR) and
Net Stable Funding Ratio (NSFR). These ratios are 96.9%, 95.5%, 158.9% and 117.9% respectively, in 2025
compared to 97.5%, 96.5%, 144.8% and 120.2%, respectively in 2024. All the ratios indicated ample liquidity
for Danamon.
132 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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CAPITAL STRUCTURE
Capital Structure Components
Danamon is committed to managing a strong and healthy capital structure as foundation for sustainable
business growth.
Based on POJK No. 34/POJK.03/2016 regarding Capital Adequacy Ratio for Commercial Banks, capital of
bank comprises of:
• Core capital (Tier I capital) comprising of main core capital and additional core capital
• Supplementary capital (Tier II)
& Analysis
Discussion
Management
Core capital accounted for 88.4% of Danamon’s total capital in 2025.
(in Rp billion)
Bank Only Consolidated
Liabilities
2025 20241 YoY 2025 20241 YoY
Core Capital (Tier I) 36,692 36,132 1.5% 50,169 48,400 3.7%
Supplementary Capital (Tier II) 1,826 1,646 10.9% 2,097 1,906 10.0%
Total Capital 41,518 37,777 9.9% 52,266 50,306 3.9%
Credit, Operational, Market Risk Weighted
174,476 154,919 12.6% 206,002 185,348 11.1%
Assets
CAR 23.8% 24.4% -2.4% 25.4% 27.1% -6.3%
1. As restated
Management Policy on Capital Structure
Management’s policy on capital structure is reflected in Danamon’s CAR (Capital Adequacy Ratio) as one
indicators of the Bank’s capital adequacy. The Bank’s ability to grow and accommodate the possible risk of
loss is measured through CAR.
Danamon consistently maintains capital adequacy level above the minimum CAR level stipulated by the
regulator. Danamon’s consolidated CAR ratio reached 25.4% in 2025, while in 2024 CAR was 27.1%.
Danamon also performed an Internal Capital Adequacy Assessment Process (ICAAP) to determine capital
adequacy in accordance with the risk profile and determine strategies to maintain capital levels. The Bank’s
risk profile in 2025 is rated Low to Moderate (2).
In accordance with POJK No. 34/ POJK.03/2016 and SEOJK No.26/SEOJK.03/2016, CAR that must be provided
by considering the risk profile rating of Low to Moderate (2) and Basel 3 Capital Buffer in 2025 is 9.0%.
Basis for Determining Management Policy on Capital Structure
In setting capital structure policies, management considers various factors amongst others economic
projections, business growth potential, risk appetite, stress testing results, and capital ratio targets. Through
this plan, Danamon is expected to be able to take advantage of growth and strategic opportunities, perform
its business within the corridor of risk appetite and comply with prevailing regulations, maximize shareholder
returns, and survive through various economic cycles. Supported by data analysis, the Board of Directors and
Commissioners of Danamon conduct planning, studies and discussions related to the Bank’s capital.
Commitments and Contingencies
Total commitments and contingencies increased 18.8% to Rp16.08 trillion in 2025. These include loan facility
commitment, letters of credit, guarantees, and other contingent exposures.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 133
Page 136
(in Rp billion)
Description 2025 20241 Growth
Commitment Payables
Unused loan facilities to debtors 5,867 4,898 19.8%
Outstanding irrevocable letters of credit 1,122 1,082 3.7%
Total commitment payable 6,990 5,980 16.9%
Contingent receivables
Guarantee from other banks 778 766 1.6%
Contingent payables
& Analysis
Discussion
Management
Guarantees issued 8,518 7,139 19.3%
Total contingent payables 1,352 1,180 14.6%
Contingent payables - net 9,093 7,554 20.4%
Commitment payables and contingent payables - net 16,083 13,534 18.8%
1. As restated
IMPACT OF CHANGES IN INTEREST RATE AND FOREIGN CURRENCIES ON BANK PERFORMANCE
Impact of Interest Rate Changes
Changes in interest rates have an impact towards banking industry by adjusting bank interest rates for retail
loans; consumers, including mortgages. Bank Indonesia has maintained the 7-Day Reverse Repo Rate (BI7DRR)
in the level 4.75% at the end of 2025.
The impact of interest rates changes on the performance of the Bank can encourage more optimal credit
absorption, trigger the economy to be more advanced so as to improve the Bank’s performance. Danamon’s
interest rate risk management regularly conducts a sensitivity analysis based on a number of scenarios to
see the impact of changes in interest rates. This is important because interest rate risk is the probability of
loss that may occur as a result of the opposite movement in positions vis-à-vis the interest rate market or the
Bank’s transactions.
Impact of Foreign Currencies Changes
Foreign exchange rate risk arises from on and off-balance sheet positions in both assets and liabilities through
transactions in foreign currencies. Danamon measures foreign exchange rate risk in order to understand the
impact of exchange rate movements on the Bank’s income and capital.
Investment Properties
Danamon does not own property assets that are used for investment purposes until the period ended
31 December 2025.
Material Commitments for Capital Goods Investment
Until the end of 2025, Danamon has no material commitments related to capital goods investment. Thus, data
related to the name of party making commitments; purpose of the commitments; the source of funds expected
to fulfil these commitments; the currency being denominated; and the Company’s plans to hedge the risk from
its associated foreign currency position are not presented in this section.
Capital Expenditures Realized in The Last Fiscal Year
Danamon invests in capital goods in the form of fixed assets comprising of land, buildings, equipment, machinery,
office furniture, motor vehicles and non-fixed assets such as system and infrastructure development.
Material Information and Facts Occurring After the Accountant’s Report Date
There is no material information and facts that occurred after the date of the accountant’s report.
Comparison of 2025 Target and Realization
Despite the uncertainties and challenges of economic conditions in 2025, Danamon successfully achieved its
profit and loan target.
134 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Dividend Policy
Based on the decision of the Annual General Meeting of Shareholders (AGMS) dated 21 March 2025, it was
decided amongst other to distribute cash dividends for 2024 financial year, representing 35% of the 2024 net
profit or approximately Rp1,112,767,250,000 or amounting to Rp113.85 per share.
The dividend payments for the last 3 financial years are as follows:
Dividend per General &
Total Dividend
Share for series Mandatory
Fiscal Year AGMS date % Net Profit Payment Payment date
A and series B Reserves
(Rp Billion)
(Rp full amount) (Rp Billion)
& Analysis
Discussion
Management
2024 21-Mar-25 35% 113.85 1.112,8 24-Apr-25 31.8
2023 26-Mar-24 35% 125.48 1.226,3 25-Apr-24 35.0
2022 29-Mar-23 35% 118.26 1.155,8 4-Mei-23 33.0
Employee and/or Management Equity Ownership Program
In 2025, Danamon did not have a share option program for the Board of Directors, Board of Commissioners or
employees. Henceforth, the Bank did not provide related information regarding:
1. Number of ESOP/MSOP shares and their realization;
2. Term of time;
3. Requirements for eligible employees and/or management; and
4. Exercise price.
Realization of Proceeds from Public Offering
In 2025, Danamon as a parent company did not conduct any public offerings, either bonds or shares. Thus
information related to the total proceeds; plan for the use of proceeds; details of the use of proceeds; proceeds
balance; and approval date of the GMS/RUPO for changes in the use of proceeds (if any) was not presented.
Important Changes in The Bank and Bank Business groups In 2025
Danamon reported that there were no important changes that occurred in the Bank and the Bank’s business
groups as of 31 December 2025 which affected Danamon’s financial position.
Other Important Transactions in Significant Amount
There was no other important transaction in significant amounts executed by Danamon throughout 2025 other
than those described in this Management Discussion and Analysis chapter.
Material Transactions Containing Conflicts of Interest
Throughout 2025, Danamon did not record transactions containing conflicts of interest.
Transactions with Affiliated Parties/Related Parties
Danamon conducts various transactions with related parties which are not conflict of interest transactions in
performing its business activities. The transaction is executed fairly based on normal commercial terms such
as transactions with unrelated parties. More complete information related to transactions with related parties
can be seen in the attachment of 2025 audited financial report of PT Bank Danamon Indonesia Tbk (Note No. 47).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 135
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INFORMATION ON TRANSACTIONS RELATED TO INVESTMENTS, EXPANSION, DIVESTMENT,
ACQUISITION AND RESTRUCTURING
Investment
Danamon did not conducted investment activities in 2025 so that information regarding purpose, transaction
value and source of funds for investment activities are not presented.
Expansion
Danamon did not execute expansion activities in 2025 so that information regarding purpose, transaction
value and source of funds for acquisition activities are not presented.
& Analysis
Discussion
Management
Divestment
Danamon did not perform divestment activities in 2025 so that information regarding purpose, transaction
value and source of funds for divestment activities are not disclosed.
Acquisition
The merger between the ADMF and MFIN was effective on 1 October 2025. After the effective date of the
merger, ADMF become the surviving entity and all shareholders of MFIN become shareholders of the surviving
entity based on the merger ratio.
Restructuring
There was no debt or capital restructuring activities in 2025. Therefore, Danamon did not provide information
related to restructuring activities in terms of objectives, transaction value and sources of funds for restructuring
activities.
REGULATORY CHANGES AND ITS IMPACT ON THE COMPANY IN 2025
Impact on
No BI/OJK Regulations Description Impact on BDI Financial
Statements
1 POJK No. 30 of 2024 POJK No. 30 was issued pursuant to the 1. In June 2025, OJK approved Banks, as PIKKs,
concerning Financial mandate of Law No. 4 of 2023 concerning the Danamon as the Operational are required
Conglomerates Development and Strengthening of the Financial PIKK of the MUFG Financial to consolidate
and Financial Sector (P2SK Law) and introduces the concept Conglomerate in Indonesia. the financial
Conglomerate of a Financial Conglomerate Holding Company 2. In October 2025, the MUFG statements of
Holding Companies – (Perusahaan Induk Konglomerasi Keuangan/ Financial Conglomerate the members
Jan 2025 PIKK), which differs from the currently applicable structure was formally of the MUFG
main entity concept. Key highlights include: administered by OJK, with financial
Effective date: 1. The key elements of PIKK are Control, Danamon designated as the conglomerate
Dec 23, 2024 Consolidation, and Accountability. PIKK and members consisting (ADMF and
2. The MUFG Financial Conglomerate meets of ADMF and HCI. HCI). The
the criteria to establish a PIKK (a legal entity 3. The PIKK is required to follow consolidation
domiciled in Indonesia). up on the fulfillment of one of HCI will
3. There are two types of PIKK: Operational PIKK of its corporate action plans, occur after the
and Non-Operational PIKK. with a completion deadline completion of
4. MUFG Jakarta Branch is not included within no later than one year from the corporate
the PIKK structure. the effective date. plan.
2 PBI No. 3 of 2025 1. 100% of Natural Resource Export Proceeds Danamon has updated No impact on
and PADG No. 4 of (DSA) must be deposited and placed in the its internal regulations in the composition
2025 concerning the Indonesian financial system for a minimum accordance with applicable of the financial
Second Amendment of 12 months, except for DHE SDA originating regulations. statements.
to PADG No. 4 of from oil and natural gas.
2023 concerning 2. Bank Indonesia (BI) has added Securities and
Foreign Exchange BI Sukuk (Bank Indonesia Sukuk) in foreign
Proceeds from currencies that exporters can use to place DHE
Exports and Foreign SDA.
Exchange Proceeds
from Imports [DHE
and DHI] – Mar 2025
Effective date:
Feb 28, 2025
136 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 139
Impact on
No BI/OJK Regulations Description Impact on BDI Financial
Statements
3 PADG No. 3 of 2025 1. Adjustments to several definitions, including Danamon has implemented the No impact on
concerning the Third the definition of QRIS, which is the standard QRIS Transaction feature using the composition
Amendment to PADG technology for processing payment credit card funding sources and of the financial
No. 21/18/PADG/2019 transactions in the form of Payment QR Codes has updated the Bank’s internal statements.
concerning the and/or other data communication (messaging)- regulations (namely: the D-Bank
Implementation of based technologies established by Bank PRO Product Program).
the National Standard Indonesia for use in facilitating contactless
Quick Response payment transactions in Indonesia, either by
Code for Payments – scanning or without scanning.
Mar 2025 2. Adding data communication (messaging)
technology for Payment QR Codes as part
Effective date: of the scope of the QRIS technical and
& Analysis
Discussion
Management
Feb 19, 2025 operational specifications.
3. Mandatory use of QRIS applies to every
payment transaction in Indonesia facilitated
by Payment QR Codes and/or other data
communication (messaging)-based
technologies for Payment QR Codes.
4. Adding funding sources for QRIS transactions
in the form of credit facilities.
4 PADG No. Regulation The Macroprudential Liquidity Incentive (KLM) Danamon (both conventional No impact on
No. 7 of 2025 Policy is a Minimum Reserve Requirement (GWM) and UUS) has received GWM the composition
concerning the incentive provided to banks that meet certain incentives for the period of the financial
Third Amendment targets for: April 1-May 31, 2025. statements.
to Regulation No. 11 1. Credit/Financing to specific sectors set by
of 2023 concerning Bank Indonesia;
the Implementing 2. The Macro Prudential Inclusive Financing Ratio
Regulations for (RPIM);
Macroprudential 3. Credit/Financing for the Ultra Micro segment;
Liquidity Incentive 4. Environmentally-aware Credit/Financing;
Policies – April 2025 5. The GWM incentive was increased from a
maximum of 4% to a maximum of 5% to
Effective Date: support the housing credit/financing sector.
April 1, 2025
5 Regulation No. 8 of To encourage credit and financing growth, The GWM in rupiah provided No impact on
2025 concerning the particularly in the housing sector, Bank Indonesia by GWM is 0% (daily) and a the composition
Third Amendment (BI) is providing flexibility in fulfilling the Minimum maximum average of 7% for of the financial
to Regulation No. Reserve Requirement (GWM Incentive) in Rupiah BUK and 0% (daily) and a statements.
24/8/PADG/2022 based on the KLM Incentive Policy. The size of maximum average of 5.5% for
concerning the KLM incentive will impact the minimum GWM UUS.
Implementing required by banks.
Provisions for
Statutory Reserves
in Rupiah and
Foreign Currency for
Commercial Banks,
Sharia Banks, and
Sharia Business Units
– May 2025
Effective Date:
April 1, 2025
6 OJK Regulation No. 6 Banks, as APERD (Regional Financial Institutions) Danamon submitted annual No impact on
of 2025 concerning are required to submit complete, accurate, reports and monthly reports the composition
Mutual Fund Selling current, and timely periodic reports to the in accordance with the format of the financial
Agent Reports – May Financial Services Authority (OJK), including: determined by the OJK for the statements.
2025 1. Annual reports (no later than January 15th of January 2026 reporting period.
the current year); and
Effective Date: 2. Monthly reports (no later than the 15th of the
December 27, 2025 following month)
3. in a report format determined by the OJK.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 137
Page 140
Impact on
No BI/OJK Regulations Description Impact on BDI Financial
Statements
7 SEOJK Regulation No. Summary of significant impacts on the Bank Danamon submits reports in No impact on
14/SEOJK.03/2025 related to the following aspects: accordance with applicable the composition
concerning 1. Governance Principles provisions. of the financial
Implementation of Transparency, Accountability, Responsibility, statements.
Governance for Independence, Fairness, and sustainability
Commercial Banks – and ethical behavior.
July 2025 2. Assessment Factors
16 assessment factors for commercial banks,
Effective Date: 17 assessment factors for Islamic banks,
June 24, 2025 including the Sharia Supervisory Board.
3. Governance Structure
Including governance structure, processes,
& Analysis
Discussion
Management
and outcomes. Requires commissioners and
independent parties.
4. Transparency
More detailed disclosures, including internal
fraud, legal issues, share buybacks, and
social/political funding.
5. Reports
Annual governance report that includes a
self-assessment, action plan, and website
publication.
6. Governance in Bank Business Groups (KUB)
Includes governance within KUB and synergy
mechanisms.
7. Sustainability and Climate Risk
Requires sustainable finance and climate risk
management.
8. Anti-Fraud and Ethics
Includes anti-fraud strategies and anti-bribery
systems.
9. Technology and Reporting Integrity
Requires IT governance, cybersecurity, and
reporting integrity.
8 PADG No. 14 of Several changes stipulated in this PADG relate to Danamon updates its internal No impact on
2025 concerning the participant obligations that need to be adjusted/ policies regarding BI Fast the composition
Second Amendment fulfilled, including: Payment, including information of the financial
to PADG No. 17 of 1. Having an Emergency Response and Recovery technology and cyber incidents, statements.
2023 concerning the Team related to BI Fast Payment. in accordance with applicable
Implementation of 2. Implementing Information System Audits and regulations.
Bank Indonesia Fast Information System Security Tests once a year.
Payment – August
3. Having a BI Fast Payment Fraud Detection
2025 System.
4. Handling Cyber Incidents.
Effective Date:
July 2, 2025
9 SEOJK Regulation No. This OJK Circular Letter requires banks to: The Bank publishes brief No impact on
20/SEOJK.08/2025 1. Publish concise complaint handling procedures procedures for complaint the composition
concerning via their website, email, telephone, brochures, services and complaint handling of the financial
Publication of leaflets, and/or social media; and submits complaint handling statements.
Complaint Handling 2. Publish complaint handling procedures in their reports to the OJK.
and Complaint annual reports, websites, and/or other media;
Service Reports – 3. Submit Complaint Service Reports to the
October 2025 Financial Services Authority (OJK) twice a year
(semesterly).
Effective Date:
January 1, 2027
138 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 141
Impact on
No BI/OJK Regulations Description Impact on BDI Financial
Statements
10 POJK No. 19 of 2025 The significant role of MSMEs in the community Establish financing targets and No impact on
concerning Ease of economy needs to be balanced with support strategic plans for MSMEs in the composition
Access to Financing from banks and non-bank financial institutions the 2026 Bank Business Plan of the financial
for Micro, Small, and (LKNB) in the form of determining strategies to (RBB) and adjust policies and statements.
Medium Enterprises facilitate access to financing for MSMEs. Through procedures no later than March
(MSMEs) – Oct 2025 this regulation, banks and non-bank financial 2, 2026.
institutions are required to:
Effective date: 1. Establish a unit or function responsible for
Nov 2, 2025 facilitating access to financing for MSMEs.
2. Implement good governance and risk
management by banks and non-bank
financial institutions in providing easy access
& Analysis
Discussion
Management
to financing for MSMEs, and submit MSME
financing distribution plans in business plans
and implementation reports.
3. Develop financial literacy programs by
providing financial education for MSMEs.
4. Develop policies and procedures to facilitate
access to financing for MSMEs, including
evaluating the reasonableness of fees charged
to MSME customers. Policies and procedures
must be updated and reviewed at least once
every three years.
5. Develop human resource competency
improvement programs, conducted at least
once a year.
11 OJK Regulation 1. This regulation establishes standard Impact on Danamon: No impact on
No. 24 of 2025 procedures for account management across 1. Transitional provisions for the composition
concerning Account all commercial banks to ensure consistency in dormant accounts as of of the financial
Management at the account opening, closing, and reactivation November 10, 2025, namely, statements.
Commercial Banks – processes to protect customers, ensure they can be classified as
Dec 2025 transparency, and prevent fraud or abuse. active accounts based on
2. There are three classifications of bank account applicable criteria.
Effective date: status, determined based on customer activity 2. Improvements to the bank's
Nov 10, 2025 over a specific period: internal systems:
• Active Account: There has been deposit, • Flagging the status of all
withdrawal, or balance inquiry activity. account types (active,
• Inactive Account: There has been no inactive, and dormant).
deposit, withdrawal, or balance inquiry • Automatic closure of
activity for more than 360 days. accounts with a zero
• Dormant Account: There has been no balance within 6 months.
deposit, withdrawal, or balance inquiry • Follow-up actions for
activity for more than 1,800 days. inactive and dormant
Note: Excludes transaction activity originating accounts.
from the Bank's system. 3. Banks are required to
implement the following in
account management:
• Strengthen monitoring
of inactive and dormant
accounts, ensure
compliance with AML/CFT
programs, and implement
anti-fraud measures.
• Consumer protection
principles.
• Personal data protection.
• Confidentiality of customer
information.
12 PADG No. 24 of 1. BI strengthens risk management and The Bank updates its internal No impact on
2025 concerning mitigates cyber risks in the operation of the policies and procedures the composition
the Implementation BI-RTGS System, particularly regarding the (KPT) for the RTGS System in of the financial
of Real-Time Fund implementation of the web-based BI-RTGS accordance with applicable statements.
Settlement through Payment Gateway. regulations.
the Bank Indonesia 2. As BI RTGS participants, additional
Real-Time Gross requirements that banks must implement are:
Settlement System • Information system audits at least once a
(BI-RTGS) – Dec year.
2025 • System technology policies for BI-RTGS
must include cybersecurity risk mitigation.
Effective date: • Incident response and recovery.
Oct 31, 2025 • Fraud management.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 139
Page 142
Impact on
No BI/OJK Regulations Description Impact on BDI Financial
Statements
13 PBI No. 9 of BI provides Macroprudential Liquidity Policy Danamon, both conventional No impact on
2025 concerning (MLC) incentives to banks that encourage credit and UUS, has received KLM the composition
Macroprudential or financing growth through lending/financing incentives for the December of the financial
Liquidity Incentive (lending channel) and/or setting new credit 2025 period. statements.
Policy and PADG interest rates/new financing return percentages
No. 27 of 2025 in line with BI policy directions (interest rate
concerning channel).
Implementing
Regulations for The MLC incentive amount is set at 5.5%, with
Macroprudential the following details:
Liquidity Incentive a. Maximum 4.5% for lending/financing
Policy b. Maximum 1% for determining the interest rate/
& Analysis
Discussion
Management
reward percentage.
Effective date: This incentive amount is effective December 16,
Dec 1, 2025 2025.
Changes in Accounting Policies
The following standards, amendments and annual improvements became effective since 1 January 2025 and
are relevant to the Bank and Subsidiary:
• PSAK 117: “Insurance Contract” and Amendment of PSAK 117 on Initial Application of PSAK 117 and PSAK
109 – Comparative Information”
• Amendment of PSAK 221: “Effect of Changes in Foreign Exchange Rates” regarding conditions when a
currency is not exchangeable and its disclosures.
140 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 143
& Analysis
Discussion
Management
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 141
Page 144
Review
Operational
05
OPERATIONAL
REVIEW
PT Bank Danamon Indonesia Tbk
2025 Annual Report
142 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 145
Review
Operational
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 143
Page 146
RISK MANAGEMENT
Page 147
RISK
MANAGEMENT
“The implementation of risk management and
internal controls is an important part of the Bank’s
Review
Operational
operational and activities in ensuring the realization
of healthy and sustainable business growth of
the Bank.”
The implementation of risk management within IMPLEMENTATION OF RISK MANAGEMENT
PT Bank Danamon Indonesia Tbk (Danamon) and IN DANAMON
its Subsidiary continues to be improved in line with
the development in regulations, risks, and business In accordance with the Financial Services Authority
complexity. The implementation of risk management (OJK) regulations regarding risk management
is aimed to identify, measure, monitor, as well as implementation, the key elements that support
control various potential risks in all working units, Danamon’s risk management governance structure
both in the line of business and supporting working are:
units.
1. Active Oversight of the Board of Directors,
Danamon considers risk management as an integral the Board of Commissioners, and Sharia
part of its business strategies, thereby, promoting a Supervisory Board
strong and well-embedded risk culture in the overall
day-to-day decision-making, operational activities, The implementation of Risk Management in
and employee behavior. Danamon involves the active oversight and
supervision of Board of Directors (BOD), Board
In implementing risk management, the risk of Commissioners (BOC), and Sharia Supervisory
management team take the following approaches: Board (SSB) (for the Sharia Business Unit).
1. To be a trusted partner for the line of business Recognizing the strategic role of these three
by ensuring transparent and appropriate boards, Danamon has determined the supervisory
risk appetite, resulting in positive outcomes duties for each board are as follows:
for customers, employees, regulators, and
shareholders. Board of Commissioners
2. To be a strong advocate of Danamon values The BOC exercises overall oversight of Danamon’s
and principles, supported by a robust operational activities, which involve overseeing
risk framework that is well-defined and the implementation of risk management. The
well-communicated, as well as pre-emptive in BOC has delegated its risk oversight duty to
nature. the Risk Oversight Committee. However, in this
3. To provide the best policies, models, tools, and oversight function, the BOC still bears the ultimate
frameworks that assist in measured and sound responsibility.
risk-taking.
4. To sponsor a strong and proactive risk culture
and control throughout Danamon and its
Subsidiary.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 145
Page 148
The BOC has the following authorities and Sharia Supervisory Board
responsibilities: The SSB has duties and functions in supervising
1) Approve the risk management policies, the conformity of Sharia activities to Sharia
strategies, and frameworks that are aligned Principles.
with the risk appetite and risk tolerance,
as well as conduct periodic evaluation. The following are the main functions and duties of
2) Conduct the risk oversight and evaluate the SSB:
the accountability of the BOD for the 1) Evaluate the Risk Management Policies and
implementation of the risk management Procedures related to the fulfilment of the
policies and strategies as well as risk Sharia Principles at least once a year or at any
exposures through periodic reviews with the time in the event of changes that significantly
BOD. affect business activities. The evaluation
3) Approve business activities that require BOC is carried out to adjust Risk Management
Review
Operational
approval if required by prevailing laws and/or Policies and Procedures if necessary.
stipulated in Danamon’s Article of Association. 2) Evaluate the accountability of the BOD and
4) Approve the policies that require BOC provide direction of improvement on the
approval as required by Bank Indonesia (BI)/ implementation of the Risk Management
OJK regulations or other external regulations. Policies related to the fulfilment of the Sharia
5) Carry out the risk management function as Principles at least quarterly. The evaluations is
regulated in the regulations. carried out to ensure that the BOD consistently
6) Conduct supervisory on the implementation implements Risk Management Policies related
of non-performing assets management, to fulfillment of Sharia Principles.
allowances and provisions for the impairment 3) Act as an advisor and provide recommendations
losses carried out by Danamon in credit risk to the BOD and Sharia business management
management. (officers that are related to implementation of
7) Ensure that the BOD has follows up on the Sharia business) regarding matters related to
recommendations from the SSB supervisory the Sharia Principles, including provide Sharia
results. opinions on Danamon activities.
8) Ensure the implementation of sustainable 4) Coordinate with the National Sharia Board
finance, including climate-related risk to discuss Danamon’s proposals and
management, by reviewing and approving recommendations for product and service
the Sustainable Finance Action Plan (SFAP), development, which require review and
including sustainability vision and mission. decision from the National Sharia Board.
5) Direct, monitor, and evaluate Sharia risk
In Risk Management implementation related to management implementation.
country risk and transfer risk in accordance with
POJK No. 17 of 2023, the BOC are responsible to: Board of Directors
a. Evaluate strategies and policies related to As the party responsible for the implementation
country risk and transfer risk determined by of operational activities, including oversee the
the BOD. implementation of risk management, the BOD has
b. Evaluate the responsibilities of the BOD and a role in determining the direction of policies and
provide direction for improvements in the risk management strategies comprehensively,
policies implementation related to country risk along with its implementation.
and transfer risk on a regular basis.
c. Supervise Risk Management implementation The BOD has established the Risk Management
related to country risk and transfer risk carried Committee to assist in carrying out its functions
out by Danamon, including the implementation and responsibilities related to risk management
of evaluation and testing (stress testing) implementation.
through the Risk Oversight Committee.
146 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 149
The BOD has the following authorities and In implementing Risk Management related to
responsibilities: country risk and transfer risk as referred in
1) Develop written and comprehensive risk POJK No. 17 of 2023 concerning Governance
management policies, strategies, and Implementation for Commercial Bank, the BOD
frameworks, as well as responsible for its responsible to:
implementations including develop policies a. Develop and determine strategies for
and procedures to identify and manage managing country risk and transfer risk in
non-performing assets, asset classification, accordance with the characteristics and
calculations related to allowances and complexity of Danamon;
provisions for the impairment losses and b. Determine risk limits and monitor compliance
assets write-off. with country risk and transfer risk exposure
2) Conduct periodic reviews on the risk limits;
assessment methodologies, implementation c. Develop, determine and ensure the
Review
Operational
of risk management information systems and implementation of policies and procedures to
risk management policies and procedures, identify, measure, monitor, and control risks
as well as determination of risk limit. related to country risk and transfer risk in
3) Approve business activities that require Danamon business activities;
BOD approval. d. Monitor the developments in country risk and
4) Develop the risk management culture on all transfer risk, and implement adequate follow-
levels of the organization. up actions;
5) Oversee risk quality compared to the prevailing e. Conduct credit risk control over country risk
levels of fairness. and transfer risk exposure for each country,
6) Ensure Management (the Board of which includes intragroup exposure, exposure
Management and executive officers) adopts based on certain regions, exposure based
a prudent and conservative approach in on individuals, and exposure based on
developing its business. counterparty transactions;
7) Determine the risk appetite and risk tolerance. f. Own and develop a management information
8) Ensure the corrective action for findings system for country risk and transfer risk
that reported by Internal Audit Working Unit that is capable in providing data accurately,
(IAWU). completely, informatively, timely and reliably
9) Ensure the effectiveness of management and to provide adequate reports;
enhancement of human capital competency g. Conduct evaluation and testing
related to the implementation of risk (stress testing) periodically at least once a
management. year or based on certain conditions that will
10) Assign competent officers in the working units have a significant impact on Danamon;
based on nature, quantity, and its complexity. h. Ensure adequate internal control and review of
11) Develop and implement the mechanism of country risk and transfer risk; and
transactions approval, including those which i. Develop and submit the results of
exceed authority limit for each level of the identification, measurement, monitoring, and
position. control of country risk and transfer risk in a
12) Ensure that the risk management function has risk profile report.
independently operated.
13) Conduct regular reviews of asset classification In terms of Risk Management implementation
and provisions for non-performing loan and/or related to Sharia Business Units (UUS) activities
financing, as well as identifying and managing as referred to POJK No. 2 of 2024 concerning
non-performing assets adequately, including Governance Implementation for Sharia Bank and
provisioning that are in line with the risks that Sharia Business Unit, the BOD provides support
occur. for implementation of the SSB’s duties through
14) Conduct regular reviews on the provisioning the following:
to ensure in accordance with the current 1) Provide accurate, relevant, and timely data
conditions. and information to the SSB in the context
15) Evaluate the risk management policies and carrying out SSB duties.
strategies. 2) Ensure the availability and adequacy of
16) Monitor the overall implementation of internal reporting that supported by adequate
sustainable finance, including climate-related management information system to support
risk management, and lead the development the implementation process of SSB duties.
of Sustainable Finance Action Plan (SFAP).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 147
Page 150
3) Provide adequate facilities and infrastructures to support the implementation process of SSB duties.
4) Follow up on the recommendations from SSB supervisory results.
In supporting the implementation of effective risk management, Danamon implements the concept of the
Three Lines of Defense approach by dividing the roles and responsibilities of each working unit in carrying out
risk management as follows:
Board of Commissioners Supervisory
Board of Directors Supervisory
First Line of Defense Second Line of Defense Third Line of Defense
Line of business, operational working units The Risk Management Directorate and The IAWU have a role in evaluating the
and other supporting working units are Compliance Working Unit have a role implementation of risk management,
Review
Operational
responsible to conduct day-to-day risk in carrying out risk and compliance internal control and governance carried out
management in each working unit. monitoring functions independently. by the First and Second Lines of Defense.
2. Adequacy of Risk Management Policies and Danamon has implemented various derivatives
Procedures, as well as Risk Limit Determination of risk management policies such as i.e., Credit
Risk Policy, Operational Risk Management
Danamon has risk management policies for Policy, Market and Liquidity Risk Management
the Bank and consolidated as well as financial Policy, Cyber Risk Management Policy,
conglomeration is arranged into 2 documents as Business Continuity Management Policy, and
below: other policies, which have developed separately
1. Risk Management Policy – Bank and and refer to the Risk Management Policy – Bank
Consolidated, which includes the framework and Consolidated.
and implementation of risk management in
individual and consolidated basis for Danamon Risk management establishes risk appetite
and its Subsidiary. that reflects the type and amount of risk that
2. Integrated Risk Management Policy of the Danamon’s Management is willing to accept
MUFG Financial Conglomeration, which in order to achieve its strategic and business
includes the framework and implementation of objectives. The objective of establish a risk
integrated risk management for the Financial appetite is not to limit risk-taking, but aims to
Conglomeration. provide transparency and ensure that the risk
profile is aligned with its business strategy. Risk
Risk Management Policy – Bank and Consolidated appetite shall be in line with Danamon’s strategy,
is the main policy for the implementation of risk business growth aspirations, capital and liquidity
management in Danamon and its Subsidiary, position, as well as the operational plans.
and serves as a reference for developing
risk management policies, procedures, and Danamon and its Subsidiary, both individually
guidelines in each entity according to the and consolidated, has established risk limits in
prevailing regulations. However, since the accordance with risk appetite, risk tolerance, and
Subsidiary is a separate entity from Danamon, business strategies. The risk appetite parameters
the implementation of risk management shall is determined based on the main risks assessed
take into account the Laws of Limited Liability for Danamon, which cover credit risk, liquidity
Companies and Capital Market, as well as other risk, operational risk, and cyber risk. Risk limit is
related external regulations. established at the group and management level,
then cascaded to the line of business and its
The referred Integrated Risk Management Subsidiary.
Policy of the MUFG Financial Conglomeration
is available in the “Implementation of Integrated The policies, procedures, risk limits, and risk
Risk Management” subchapter page 438. management systems are reviewed periodically
in accordance with changes in market conditions,
products and services, as well as prevailing
regulations.
148 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 151
The Governance Structure of Risk Management
In the implementation and supervision of effective risk management, the BOD and BOC are assisted by
committees related to risk management functions.
The overall Governance Structure of Risk Management is described in the following chart:
BOARD OF
COMMISSIONERS
Risk Oversight Nomination &
Audit Committee Corporate Governance Integrated Corporate
Committee Remuneration
Review
Operational
Committee Governance Committee
Committee
BOARD OF DIRECTORS
Information Integrated Risk
Risk Management Credit or Financing Credit or Financing Asset and Liability
Technology Management
Committee Policy Committee Committee Committee (ALCO)
Steering Committee Committee
Sustainability Information Disclosure Internal Control Over Financial
Sub-Committee Sub-Committee Reporting (ICoFR) Sub-Committee
The membership, obligations and responsibilities as well as the frequency of meetings in each committee
are outlined in detail in the Corporate Governance section pages 320-341 and 364-375.
3. Adequacy of Risk Management Identification, Measurement, Monitoring, and Control Processes and
Risk Management Information Systems
Periodically, Danamon conducts the process of identifying, measuring, monitoring, and controlling all
risk exposures, both individually and consolidated with its Subsidiary. This process is specified under the
policies and guidelines in all working units of Danamon and its Subsidiary.
The overview of risk management process is as follows:
Risk identification process determine Risk measurement is used to measure
the scope and scale of phases in the Danamon’s risk exposure as the basis
risk measurement, monitoring, and to perform the control.
control. Identification is conducted Risk Risk The measurement and
by understand the business and methodology approach can be in
analyze all types and characteristics Identification Measurement form of qualitative, quantitative or
of the risks that contained in every a combination of the both. The risk
Danamon’s business activity which measurement is performed periodically
also cover the products and other RISK for the product and portfolio as well
services. MANAGEMENT as all Danamon’s business activities.
PROCESS
Risk control is carried out, among others, The risk monitoring activity is
by providing the follow up on the conducted by evaluating the risk
moderate and high risk which exceed exposure that contained in all product
the limits, control improvement portfolios and Danamon’s business
(immediate supervisory), capital Risk Control Risk Monitoring activities as well as the effectiveness
addition to absorb the potential loss of risk management process.
and periodic internal audit.
In the risk management structure implemented by Danamon, the Risk Management Directorate consolidates
all Danamon’s risk exposures managed by each risk owner.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 149
Page 152
Lines of business, supporting working units, 4. Having adequate accounting system,
and Subsidiary are operational working units information system, and communication flow
(risk-taking unit) that responsible for end-to- that can produce reports and information
end risk management within the scope of their needed to support the BOD and BOC with their
responsibilities. Prior entering a risk-bearing respective duties.
activities, all risks shall be clearly identified, 5. Monitoring of inherent risk shall be prioritized
measured, monitored, and controlled, as well as and serves as part of day-to-day activities
risk mitigation efforts shall be properly weighed. including periodic evaluations, both by the
operational working units (risk-taking units)
In performing its role as a risk monitoring and and Quality Assurance (QA) function in each
controller in operational working units, the Risk line of business. Review of the effectiveness
Management Directorate will evaluate business of risk management implementation, including
strategies, policies, and product programs. the adequacy of policies, procedures,
Review
Operational
and management information systems, is
In carrying out risk control and monitoring, conducted periodically, including conducting
Danamon has adequate risk management internal audits on the risk management
information system, including Internal Credit process and monitoring corrective actions on
Rating System, Asset & Liabilty Management audit findings.
(ALM) System, Operational Risk Management
System – Governance, Risk & Compliance (ORMS- In addition, Danamon continues to ensures the
GRC), etc. These systems are used to detect, at fulfillment of various key points in the control
an early stage, potential risks or losses to which process, covering conformity of internal control
Danamon is exposed, in order to enable Danamon system and relevant risks, such as: establishment
to take corrective actions to keep the losses at of authority, monitoring the implementation of
minimum. policies, procedures, and limits; clear organization
structure; and the adequacy of procedures for
4. Internal Control System regulatory compliance.
Implementation of internal control in risk The implementation of Risk Management
management includes: in Danamon is supported by adequate and
1. Management supervision and culture of risk competent human resources at all levels.
control. The BOD and BOC are responsible Capabilities and skills of its human resources
for improving work ethics and high integrity, related to risk management were improved
as well as creating an organizational culture continuously through internal and external
that emphasizes the importance of the internal training and having risk management certification
controls that apply in Danamon. To support in accordance with prevailing regulations.
control process, all policies, standards and
procedures shall be documented in writing A strong risk management culture is created when
and made available to relevant employees. all employees are aware and understand the risk
2. Risk identification and assessment are exposures that they are facing, as well as carrying
conducted for all types of risks, covering out adequate risk management processes in their
quantitative and qualitative assessments. day-to-day activities. In this context, Danamon
3. The control activities that are applied at all is committed to establishing a combination of
functional levels and involve all employees unique values, i.e., trust, implementation, and
is aims to manage and control risks that Management supervision, to ensure that all
may affect performance or potentially result organizational levels in Danamon conduct their
in losses. The segregation of duties is also business and operational activities in a prudent
implemented in operational activities to manner and based on best practices.
prevent anyone in their respective positions
from having the opportunity to commit and Risk culture is determined through:
conceal errors or deviations in day-to- • Oversee and supervision from the BOC and
day tasks at all levels of organization and the BOD of Danamon and its Subsidiary.
operational activities. • Introduction of risk management as an integral
part of business practices.
150 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 153
• Compliance with all prevailing policies, of Risk Management for Sharia Bank and Sharia
procedures, laws, and regulations as well as Business Unit, Circular Letter of Financial Service
fulfillment of the Sharia Principles (for the Authority (SEOJK) No. 25/SEOJK.03/2023
UUS). concerning Implementation of Risk Management
for Sharia Bank and Sharia Business Units, POJK
Risk culture and awareness at all organization No. 2 of 2024 concerning Implementation of
levels shall be established through: Sharia Good Corporate Governance for Sharia
• Communicating on the importance of risk Bank and Sharia Business Units, and SEOJK
management. No. 15/SEOJK.03/2024 concerning Sharia
• Communicating on the risk tolerance level and Governance Implementation for Sharia Bank
the expected risk profile through various limits and Sharia Business Units. In terms of policy,
and portfolio management. Danamon has a Risk Management Policy — Bank
• Empowering employees to prudently manage and Consolidated, which serves as the main
Review
Operational
the risk in their activities, including preparing framework and basic principles for managing
adequate risk mitigation. the risks that are subject to followed by all lines
• Monitoring the effectiveness of risk of business and Subsidiary, including UUS.
management implementation in all areas. In addition, UUS is also guided by the Sharia
Principles in banking practices based on fatwas
issued by the authorized institution.
RISK MANAGEMENT FOR PARTICULAR
AREAS Risk measurement is carried out using a
methodology that conform with the characteristics
a. Risk Management for New Products of UUS, through measurement of risk profile
In accordance with its business plan, Danamon levels, which evaluated in quarterly basis.
has formulated a policy that governs the
procedures for product issuance and monitoring. In terms of risk management that is related
This includes the implementation of risk to the fulfillment of Sharia Principles, the SSB
management for new products in accordance provides opinions on the policies, procedures,
with prevailing regulations. systems, and products related to the fulfillment
of Sharia Principles and applied contracts. The
New products are prepared and reviewed by implementation of risk management process and
relevant parties, including compliance review system in UUS follows Danamon’s policies and
prior to issuance. complies with Sharia banking rules. The Director
in charge of UUS is also a member of the Risk
Approval authority is differentiated according to Management Committee.
the risk level, whilst still taking into account the
prevailing regulations. c. Risk Management of Subsidiary
Danamon implements a consolidated risk
Assessment and evaluation of the risk level of management process with its Subsidiary
products, including but not limited to product by considering the difference in business
performance, customer targets, complexity characteristics of Danamon and its Subsidiary.
of its operational processes, including market This is performed through an assistance and
conditions, as well as other risks that affecting alignment process of risk management practices
Danamon. in terms of risk governance, risk management
policies and procedures, risk measurement
For Sharia products, shall obtain review and methodology, risk management reporting, and
approval from the SSB. enhancement of a risk awareness culture.
b. Risk Management of Sharia Business Unit This consolidation process is in accordance
The implementation of risk management with POJK No. 38/POJK.03/2017 concerning
for UUS is carried out based on Financial Implementation of Consolidated Risk Management
Service Authority Regulation (POJK) No. 65/ for Banks that have control over the Subsidiary.
POJK.03/2016 concerning the Implementation Referring to this regulation, Danamon as the
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Parent Company will continue to improve the FOCUS AND ACTIVITIES OF RISK
consolidated risk management processes with its MANAGEMENT IN 2025
Subsidiary. In accordance with the Bank’s business plan, in
2025 Danamon continue various programs that
EVALUATION ON THE EFFECTIVENESS OF were implemented in the previous year and carry out
RISK MANAGEMENT SYSTEM several new programs as follows:
In order to carry out an evaluation on the effectiveness Risk Management in General
of risk management, the BOC and the BOD actively In order to support and improve the implementation of
supervise the implementation of risk management risk management in prudent, effective, and integrity,
through various committees under BOC and BOD. the following are the supporting activities carried out
by Danamon during 2025:
These committees hold regular meetings in order • Implementation of individual and consolidated
Review
Operational
to monitor and provide continuous evaluations for risk management in Danamon and its Subsidiary.
all measures that have been implemented in risk • Improvement of the risk profile report in
management, discuss risk-related issues and provide accordance with regulatory requirements.
recommendations to the BOD and BOC, depending • Update on Risk Management Policy – Bank,
on their respective scopes of responsibilities. Consolidated and Integrated.
• Update Integrated Capital Management Policy of
In addition, Danamon conducts periodic evaluations MUFG Financial Conglomeration.
for risk assessment methodologies, adequacy of • Conduct regular Risk Management Committee
system implementation, management information meetings at the BOD level and Risk Oversight
systems, policies, procedures, and limits in Committee meetings at the BOC level to
accordance with prevailing regulations, business comprehensively monitor Danamon’s portfolio
development, and conditions of Danamon’s and risks.
operational activities. As a result of the review • Conduct Integrated Risk Management Committee
processes, Danamon subsequently held Portfolio meetings at the BOD level every semester to
Meetings to evaluate the portfolios risk condition of evaluate and monitor risks within the Financial
Danamon and its Subsidiary in regular basis. Conglomeration.
• Perform assessment of Bank’s Digital Maturity
RISK PROFILE as an implementation of SEOJK No. 24/
SEOJK.03/2023.
Risk profile assessment covers the assessment of • Update Legal Lending Limit (LLL) and Large
inherent risk and the quality of risk management Exposure Guideline.
implementation that reflects the risk control system, • Update Recovery Plan Policy.
either individually, consolidated, sharia, or integrated. • Update Recovery Plan in accordance with POJK
The assessments of individual, consolidated, and No. 5 of 2024.
sharia risk profiles are conducted on 10 (ten) risks, i.e., • Update Resolution Plan Policy.
Credit Risk, Market Risk, Liquidity Risk, Operational • Continuously conducting the Risk Academy as
Risk, Legal Risk, Strategy Risk, Compliance Risk, a learning platform for risk management for all
Reputation Risk, Rate of Return Risk, and Investment Danamon employees through virtual training
Risk. For Integrated Risk Management, the managed and various e-learning modules related to risk
risks also include Intra-Group Transaction Risk, but management.
exclude Rate of Return Risk and Investment Risk. • Implementation of Internal Capital Adequacy
Assessment Process (ICAAP), which has been
The risk profile assessment is carried out based conducted continuously by Danamon.
on regulatory requirements, taking into account • Conduct bank-wide stress tests at least once a
Danamon business strategy and macroeconomic year.
conditions. The composite rating of Danamon’s • Participate in the Joint Stress Test exercise using
individual, consolidated, sharia, and integrated risk templates and macroeconomy scenarios provided
profile based on self-assessment results in 2025 was by the OJK and BI.
at level 2 (Low to Moderate). • Conduct Risk Culture programs that focus on the
implementation of the Three Lines of Defense
campaign.
• Review Risk Appetite Statement (RAS) and
cascade it down to the line of business and
Subsidiary.
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• Implementation of programs stated in the determine industry risk appetite to ensure the
Sustainable Finance Action Plan (SFAP). industry growth is aligned with the determined
• Development and submission of Sustainable threshold.
Finance Action Plan for the period of 2026-2030 • Determine and update the authority for credit
in order to fulfill POJK No. 51/POJK.03/2017 approval in the Head Office (HO) for each line of
concerning the Implementation of Sustainable business (LoB) to adjust with Danamon needs.
Finance for Financial Service Institutions, Issuers, • Expand credit risk appetite with close monitoring
and Public Companies. on potential credit risk and its mitigation.
• Continue the pilot project implementation of the • Review new initiative programs in the Digital
Indonesian Taxonomy for Sustainable Finance segment, Consumer segment, and MUFG
(ITSF) by ensuring alignment with the latest Collaboration in order to keep in line with
developments and guidance provided by the regulations and Danamon’s risk appetite.
regulator. • Regular review on product programs which
Review
Operational
• Update on Sustainability Guideline related to includes the portfolios, criteria, restrictions, and
credit. other requirements to support the growth of
• Integrating the 2024 Annual Report to enhance sound and sustainable credit portfolio.
the continuity, efficiency, and integration of • Perform backtesting periodically to assess the
the Bank’s reporting, including sustainability adequacy of loans provisioning. If necessary,
performance. additional loans provisioning will be carried out
based on the backtesting results.
Credit • Credit process is well implemented in accordance
• Monitor Internal Rating Model results for with the prevailing regulation, risk appetite, and
Corporate, Commercial, Financial Institution, and internal policies in Danamon.
Financing Company. • Enterprise Banking Credit Quality Assurance
• The implementation of Early Warning Indicators (EB CQA) has reviewed credit decisions result
for all lines of business, including the use of to ensure the process and credit analysis are
learning machine technology for early detection in accordance with prevailing regulations.
in the Small Medium Enterprise (SME) and In addition, EB CQA conducts periodic validation
Mortgage lines of business. of the internal credit rating model to ensure the
• Implement Behaviour Scorecard for lines of feasibility of the model under current conditions.
business of SME and Consumer (Mortgage, Multi • Alternative Credit Scoring assessment to support
Purpose Loan, Credit Card, Personal Loan) to the credit process in the Consumer segment.
support credit process. • The implementation of a rule-based engine in the
• Implement the allowance for impairment losses Loan Originating System for SME and Consumer
(CKPN) of PSAK 109 or IFRS 9 models for segments to support the business in the initial
Corporate, Commercial, Financial Institution, selection process and provides guidelines for
Financing Company, SME, Consumer, and credit decision-making to the Underwriting team.
Investment Loan, in accordance with OJK • Provide periodic report to Management
regulation. on the achievement results and the quality of the
• Implement Credit Model Risk Framework. credit portfolio for each line of business.
• Conduct periodic review on all bank-wide and line • Updating the Risk Based Pricing as an additional
of business credit related policies and procedures reference in the process of applying for loan
in accordance with regulator’s policy, group facilities for Corporate, Commercial, Mid-Market,
policy that is suitable with condition in Indonesia, Financial Institution lines of business.
latest business development and Danamon risk
appetite. Operational, Fraud & QA
• Implement the Credit/Financing Policy Committee • Strengthening the oversight and coordination
meeting (including renewal of the committee over the functions and roles of operational risk
charter) and develop the Credit/Financing managers in line of business, support functions,
Committee Charter in accordance with regulator’s and Subsidiary.
policy. • Refine Operational Risk Management (ORM)
• Conduct regular reviews of industry classifications framework and methodologies tools with GRC
based on the risk level (high risk restricted, (Governance, Risk & Compliance) concept such
high risk, medium risk, and low risk), as well as as the Risk Control Self-Assessment (RCSA), Risk
Events, and recording operational risk losses.
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• Refine process and develop ORMS application - Actively participate in the Indonesia Anti Scam
with GRC concept to improve the effectiveness Center (IASC) that initiated by the OJK.
in operational risk management comprehensively - Sharing on fraud handling strategies among
and integrated within 3 Lines of Defense (LoD) at MUFG group members.
Danamon and Subsidiary. - Conduct Fraud Fighter training through
• Implementation of RCSA in line of business face-to-face/class and Anti-Fraud e-learning.
using integrated GRC concept within Risk-taking
Unit (RTU), ORM, Compliance and Internal Audit Information Technology and Cyber
Working Unit (IAWU). • Manage and enhance the Cyber Risk Management
• Build awareness towards Operational Risk Policy to serve as a bank-wide guideline in
Management through ORM e-learning version managing Information Technology (IT) and cyber
update, risk awareness video, increase e-mail risks across the 1st, 2nd, and 3rd LoD.
blast frequency, socialization of ORM framework • Developing an Operational Reference Framework
Review
Operational
& tools to working units. (KAO) for Technology Risk Management in the
• Conduct training to improve skill and knowledge management of information technology risks.
of Firstline Operational Risk (FOR) & Quality • Updating the KAO Cyber Security Incident
Assurance (QA) such as Data Analytic, Focus Response document. This document governs
Group Discussion Test of Design (FGD TOD), coordination and communication for all employees
Assessment Technique, etc. during a cyber incident, covering the stages of
• Conduct workshop FOR & QA LoB. communication, risk assessment, resolution,
• Enhance QA methodology and supporting system evaluation, and reporting.
as well as updating policy related QA by optimizing • Conduct evaluation of Risk Appetite and Risk
the use of data analytic methods. Tolerance parameters related to IT and Cyber
• Enhance collaboration between 2nd LoD and 3rd risks as part of Danamon strategy for managing
LoD by making coordination meeting with ORM, cybersecurity risks in accordance with POJK
Compliance and IAWU. No. 11/POJK.03/2022 concerning Information
• Anti-Fraud Management: Technology Implementation.
- Updating the Anti-Fraud Management • Establish bank-wide KRI parameters along with
Policy and Framework in alignment with its thresholds as IT risk indicators that must
OJK Regulation No. 12 of 2024 on the be monitored by Danamon in managing IT and
Implementation of Anti-Fraud Strategies in cyber risks.
Financial Service Institutions. • Formulating risk profile parameters for
- Socialization on anti-fraud tone at the top Cybersecurity and Resilience along with its
by President Director and Risk Management thresholds as indicators of Cybersecurity
Director regarding Zero Tolerance to Fraud. and Resilience risks in the payment system
- Delivering the Anti-Fraud Strategy risk monitoring process in accordance with
presentation to Risk Management Committee BI Regulation No. 2 of 2024 concerning
(RMC) dan Risk Oversight Committee (ROC) Cybersecurity and Resilience for Payment System
members. Providers, Money Market and Foreign Exchange
- Issuing a Policy and implementing background Market Participants, and Other Parties regulated
checking through the Sistem Informasi Pelaku and supervised by BI.
(SIPELAKU) managed by OJK. • Strengthen the oversight and consultation
- Enhancement of the Predator transaction functions for implementing IT risk management
fraud detection system, equipped with and cyber in its Subsidiary. This encompasses
machine learning technology, along with the two main aspects: policy development and
enhancement of the Instinct fraud detection the implementation of risk management tools,
system for new customer onboarding. including KRI, Risk Event, Self Raise, and Risk
- Intensifying the socialization on deterrence Acceptance.
effect in the form of conveying the faces • Develop and implement a risk assessment
of fraudsters who have been permanently framework for IT assets in the Configuration
sentenced via e-mail to internal parties. Management Database (CMDB) to facilitate
IT units in conducting self-assessments, risk
analysis, and mitigation based on the findings
obtained.
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• Conduct assessments and oversight of IT-based • ALM system enhancement to ensure the ALM
service activities, including Risk Events, Self system can calculate risks accurately and
Raise, Risk Acceptance which pose potential risks following best practice developments as well as
to Danamon, which conduct follow-up actions, fulfill regulatory requirements.
such as analysis and further discussions with • Carry out supervisory management and risk
IT working units to comprehend the events and analysis related to market and liquidity risk of
planned corrective actions based on escalation of Danamon.
incidents recorded in the ORMS database. • Participate in the preparation of the Climate
• Perform supervisory management and risk Change Stress Test related to Market Risk and
analysis pertaining to the utilization of technology Liquidity Risk.
for initiatives associated with new products/ • Participate in the preparation and calculation
IT projects/ad-hoc requests, which include of Joint Stress Tests related to Market Risk and
Requirement Document (RD), Operational Risk Pre Liquidity Risk.
Review
Operational
Assessment (ORPA), Product Program (PP), and/ • Develop the Consolidated Risk Heat Map related
or other documents related to IT risk management to Market and Liquidity Risk.
to support line of business and other operations/ • Participating in the Treasury system replacement
support functions within Danamon. project and conducting Treasury system switch-
• Monitor the e-mail Data Loss Prevention (e-mail over testing.
DLP) implementation to detect and prevent • Participate in the Fund Transfer Pricing (FTP)
the unauthorized transmission of sensitive system replacement project for Core Non-Core,
information through email communications. Time Deposit Stickiness, Liquidity Premium (LP)
• Update the framework and procedures Incentive, LP Charge and Mortgage duration.
governing the risk assessment process for • Carry out Business Contingency Plan (BCP) tests
third parties managing Danamon’s confidential to ensure Business as Usual (BAU) activities run
information, and conduct information security risk smoothly in conditions where there are obstacles
assessments for third parties handling Danamon in the main work area that make them inaccessible.
confidential data. • Implementing the use of 9 years historical data for
• Conducting comprehensive (bank-wide) Core Non-Core calculations for Danamon’s FTP.
registration, classification, and security control • Review the assumptions used for calculating
implementation for all information assets Danamon’s market and liquidity risks.
classified as confidential. • Conduct regular updates on policies,
• Foster a culture of risk awareness to enhance methodologies and procedures related to Market
understanding among all Danamon’s employees Risk and Liquidity Risk.
regarding potential risks associated with the • Conduct Risk Level Assessments for new products
creation, storage, use, and dissemination or development of Danamon’s basic products or
of information. This is achieved through the services, in terms of market and liquidity risks.
utilization of e-learning media, classroom training, • Updating the Integrated Threshold as part of the
email blasts, and sharing sessions. implementation of Integrated Risk Management
• Conducting cyber security testing simulations related to the Financial Holding Company.
based on scenarios with the aim of identifying
potential cyber risks as early as possible and the IMPLEMENTATION OF INTEGRATED RISK
mitigation actions that can be taken to reduce MANAGEMENT
the level of risk through a series of activities that
reflect real-world cyber attack scenarios. In line with the POJK No. 30/2024 concerning Financial
Conglomeration (FC) and Financial Holding Company
Market and Liquidity (FHC), MUFG Financial Conglomeration consists of
• Update Danamon Market and Liquidity Risks limit Danamon as the Operational FHC and FC member.
structures and policies. Compliance with the Operational FHC
• Validation of the market and liquidity risk regulation is carried out within the
measurement methodologies, including specified timeframe, in accordance
methodologies to support new Treasury products. with the prevailing regulations. The following table
describes the structure of the MUFG Financial
Conglomeration:
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Structure Entity’s Name
Operational Financial Holding Company (FHC) PT Bank Danamon Indonesia Tbk (Danamon)
FC member PT Adira Dinamika Multi Finance Tbk (ADMF)
FC member PT Home Credit Indonesia (HCID)
Danamon has an Integrated Risk Management Policy of the MUFG Financial Conglomeration, which is the
main policy in the implementation of integrated risk management as regulated by OJK regulation. The policy
review was conducted in 2025.
Integrated Risk Management Committee
For the Financial Conglomeration, Danamon, as the Operational FHC, has the Integrated Risk Management
Committee. Detailed related to the Integrated Risk Management Committee is explained in the Governance
section page 372.
Review
Operational
Integrated Risk Management
In the implementation of integrated risk management, adjustments have been made to the Risk Management
Directorate by adding an integrated risk management function to ensure the process of integrated risk
identification, measurement, monitoring, and control processes can be performed and reported in accordance
with the risk management framework and regulatory policies.
In the implementation of integrated risk management, the MUFG Financial Conglomeration has performed the
following:
1. Review the Integrated Risk Management Policy.
2. Prepare and submit the Integrated Risk Profile Report.
3. Conduct coordination, communication, and socialization with Financial Conglomeration member
periodically.
4. Conduct Integrated Risk Management Committee in 2025. Detailed information of Committee meeting
agenda is available in the Governance section page 373.
INTRA-GROUP TRANSACTION RISK
In addition to the 8 (eight) types of risk stated in the previous chapter (excluding investment risk and rate of
return risk), Danamon has 1 (one) more risk to manage with regards to its integrated risk management referred
to as Intra-Group Transaction Risk.
Intra-Group Transaction Risk is the risk due to the dependence of an entity, either directly or indirectly, on
other entities within a Financial Conglomeration to fulfill a contractual obligation of either written or unwritten
agreements with or without subsequent transfer of funds.
1) Organization and Policy of Intra-Group Transaction Risk Management
Danamon as the Operational FHC together with FC member manage Intra-Group Transaction Risk.
Implementation of Intra-Group Transaction Risk Management is s conducted with consideration of
transaction activities between entities within the Financial Conglomeration.
Danamon, as the Operational FHC, governs the implementation of Intra-Group transaction risk management
in the Intra-Group Transaction Guideline, which is periodically reviewed and developed based on the
prevailing regulation.
2) Intra-Group Transaction Risk Management
FHC and FC member implement Intra-Group Transaction Risk Management through the process of
identifying, measuring, monitoring, and controlling risks as well as the management information system.
156 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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FHC and FC member conduct monitoring and 3. Disclosure of Recovery Plan
controlling the intra-group transactions to Due to the highly confidential nature of certain
ensure the intra-group transactions are properly sections of the recovery plan (e.g., detailed
documented and conducted in accordance with recovery options and strategies), the disclosure
the arm’s length principles and in compliance of the Recovery Plan is only on a need-to-know
with prevailing regulations. The intra-group basis only, where different levels of disclosures
transactions between entities in the Financial apply to different parties. Danamon discloses its
Conglomeration are monitored periodically. Recovery Plan to internal and external parties in
accordance with prevailing regulations.
Periodically, the Finance and Risk Management
Directorate monitors intra-group transaction risks RESOLUTION PLAN
to ensure conformity to the agreed limits and the
principle of arm’s length transactions. Control In 2022, Danamon has submitted its initial Resolution
Review
Operational
through policies and limit setting is adjusted by Plan document to the Deposit Insurance Agency
considering Danamon’s risk appetite. The process (LPS) as the resolution authority in Indonesia.
of reporting intra-group transactions is supported by The preparation of Resolution Plans for Systemic and
an adequate management information system and Non-Systemic Banks is regulated in LPS Regulation
further submitted to the BOD and BOC along with all No. 1 of 2021 concerning Resolution Plans for
the follow-up actions to take through risk profiles. Commercial Banks.
RECOVERY PLAN AND RESOLUTION PLAN The Resolution Plan is a document that contains
information regarding Bank and its resolution
RECOVERY PLAN strategies, which will serve as one of the
considerations for LPS in handling or resolving a
Danamon has conducted review of the Recovery Bank that is designated as a Resolution Bank.
Plan in 2025 in compliance with POJK No. 5 of 2024.
RISK MANAGEMENT ACTIVITY PLAN FOR
Review of the Recovery Plan covers the following: 2026
1. Overview of the Bank In 2026, the global economy is expected to remain in
Danamon has conducted an assessment of a state of heightened uncertainty. The IMF projects
its lines of business, Subsidiary, and office global economic growth at around 3.3%, slightly
networks. In addition, Danamon has also slower than the previous year, reflecting a recovery
conducted a thorough scenario analysis to assess that is sluggish and uneven. The trajectory of U.S.
Danamon’s resilience and potential vulnerability monetary policy, international trade dynamics, and
to several indicators determined by the OJK (i.e. China’s recovery prospects will be the key factors
capital, liquidity, asset quality and profitability). shaping the global economy throughout 2026.
The outcome of the scenario analysis indicates
that Danamon has a resilient capital position, As of October 2025, the Federal Reserve set
which is unlikely to threaten the going concern of the Fed Funds Rate in the range of 3.75–4.00%.
Danamon. Although the Fed has been cutting rates since 2024,
long-term yields remain elevated due to expectations
2. Recovery Option of expansionary fiscal policy following the U.S.
Danamon has identified various Recovery elections and rising risks of trade tariffs. These
Options under each phase and assessed conditions have restrained capital flows into
these options in terms of feasibility, credibility, emerging markets and narrowed the scope for global
implementation timeframe, and effectiveness. monetary easing. Indonesia has also felt the impact,
These recovery options cover key financial particularly through exchange rate stability and USD
indicators of Danamon, namely capital, liquidity, liquidity in the domestic market.
asset quality, and profitability, and will form the
basis of Danamon’s Recovery Plan and strategy
under stressed conditions.
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Towards the end of 2025, the Rupiah weakened to prevent capital outflows. This condition may
to around IDR16,700 per USD, driven by hinder domestic consumption, financing, and
U.S. Dollar strength and mounting global uncertainty. investment.
Bank Indonesia responded with foreign exchange
interventions, issuance of Bank Indonesia Rupiah • Inflation and U.S. Tariff Policy
Securities (SRBI), and reinforcement of the Foreign A possible reversal toward aggressive tariff
Exchange Proceeds from Natural Resources policies in U.S.–China trade relations could
(DHE SDA) policy framework. For 2026, the Rupiah exacerbate global and domestic inflation. Rising
is projected to move within the range of IDR16,500– import costs may erode Indonesian household
16,900 per USD, with volatility better managed purchasing power and worsen economic
thanks to adequate foreign reserves, a measured prospects.
monetary policy mix, and resilient domestic economic
fundamentals. • Uncertainty in Indonesian Government Policy
Review
Operational
Direction
In China, despite additional fiscal stimulus, economic Adjustments in fiscal policy and government
growth remains below expectations. This has spending priorities following the political
dampened demand for Indonesian exports and kept dynamics of 2024–2025 may create uncertainty
key commodity prices such as coal and Crude Palm for businesses. Shifts in subsidy programs,
Oil (CPO) at moderate levels. In Japan, persistently infrastructure projects, and industrial incentives
high inflation has triggered policy rate hikes, adding could influence investment directions.
uncertainty across Asia. Other emerging markets
face similar pressures from U.S. Dollar strength and • Export Performance and Global Commodity
potential capital outflows. Prices
Global economic slowdown and declining
Indonesia’s economic growth in 2026 is expected to commodity prices pose risks to Indonesia’s
remain stable at around 5.1%, supported by domestic growth outlook, given the country’s reliance on
consumption, investment, and exports. However, exports and the commodity sector.
external pressures from the global slowdown,
declining commodity prices, and U.S. trade policy In anticipation of those external conditions, Danamon
pose risks that warrant close monitoring. has and will carry out various initiatives in terms of
risk management in 2026, including:
The following are several challenges for Indonesia’s
economy in 2026: 1) Risk Management in General
a. Improving risk monitoring and control
• Delayed Global Monetary Easing functions in the implementation of individual,
The anticipated decline in global interest rates is consolidated, and integrated risk management.
likely to be delayed due to gradual disinflation in b. Conducting a comprehensive review of the
the U.S. and other advanced economies. Tight risk monitoring and measurement processes,
global liquidity limits Indonesia’s monetary easing both individually, in consolidation, and in an
space, potentially prompting Bank Indonesia to integrated manner.
maintain higher interest rates to safeguard macro c. Implement prudent and conservative
stability. approach in developing Danamon’s business
at the acceptable level.
• Slow Global Recovery d. Developing and conducting internal programs
China’s weaker-than-expected recovery to build and increase awareness of the
suppresses demand for Indonesian exports and importance of risk culture in Danamon.
restrains global commodity prices. Consequently, e. Carrying out activities related to Sustainable
the contribution of the commodity sector to Finance as stated in the Sustainable Finance
Indonesia’s growth risks weakening. Action Plan that has been submitted to the
OJK.
• U.S. Dollar Strength and Monetary Policy f. Implementing the ICAAP framework.
Implications g. Conduct a bank-wide stress testing at least
A potential strengthening of the DXY index once a year and it can be conducted more
could add pressure on the Rupiah, forcing Bank frequently if there are changes in the industry
Indonesia to keep interest rates relatively high and economic sectors, and when there is a
158 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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specific stress testing request from regulators, to the latest developments and fraud trends,
such as Climate Change stress test and stress including the application of systems and
tests related to portfolios that impacted to technology as support for detection pillars
disaster categories (if any), to assess the and reporting and sanctions pillars, covering
capital resilience of Danamon. credit and non-credit cases.
h. Performing regular monitoring and reviews of c. Fraud detection system (Instinct and Predator
the Danamon’s RAS threshold and Recovery System) improvement through parameter
Plan triggers. fine-tuning.
i. Continue managing risks related to sustainable d. The risk identification process conducted
finance, including climate-related risks, in through the implementation of risk
accordance with regulatory directives. identification and risk assessment on products,
j. Enhancing the implementation of integrated processes, and existing system, as well as
risk management in line with the fulfillment of new systems, to determine the inherent risks
Review
Operational
regulatory requirements as Operational FHC and the mitigation actions required.
in accordance with the prevailing time frame e. Capturing risk/loss event data and its
and regulations. contributing factors, carried out in a
centralized database, conducting RCSA
2) Credit Risk Management activities periodically, reporting related risks,
a. Reviewing the credit policies periodically. and monitoring operational risks through the
b. Conducting overall monitoring on the credit KRI.
portfolios of all Danamon’s lines of business f. The development of the ORMS application
and its Subsidiary regularly, comparing phase 2 to ensure the effectiveness of ORM
the actual performance against targets, cycle implementation integrated in all units of
and periodically reporting the portfolio Danamon and its Subsidiary.
performance to the Management. g. Insurance (i.e.: Bankers Blanket Bonds (BBB),
c. Ensuring the adequacy of provisioning in money insurance) as one of the most important
accordance with prevailing regulation. forms of operational risk mitigation, has been
d. Monitoring Internal Rating Model and coordinated by the insurance coordinator
scorecard system for credit risk in all line of within ORM, Fraud & QA Division.
business periodically. h. ORM workshops / socialization to the RTU and
e. Utilizing the standardized approach for Credit training (Risk School and E-Learning) for new
RWA calculations. employees are continuously implemented
f. Conduct periodic evaluations for the rating/ to ensure continuity and uniformity in the
scorecard model. awareness level of operational risk and risk
g. Performing quarterly backtesting for CKPN culture recognition in Danamon.
adequacy for all line of business. i. The development of systems and processes
h. Periodically monitoring and reviewing the in conducting cyber risk assessment through
CKPN of PSAK 109/IFRS 9 calculations. application modelling, so that Danamon able
i. Monitoring the Internal Ratings on the to anticipate to close the potential vulnerability
Corporate, Commercial, Financial Institution from the early stage of the application
(FI) and Financial Company (FINCO) rating development cycle.
systems. j. Developing and implementing procedures and
j. Preparing credit scoring alternatives to guidelines for responding to cybersecurity
support healthy and optimal credit growth in incidents.
the Consumer segment. k. Updating the Business Continuity
Management (BCM) policy according to the
3) Operational Risk and Fraud Management latest conditions.
a. The implementation of ORM cycles has been l. Increasing operational risk awareness
and will continue to be carried out consistently, campaign by periodically sending e-mail
including the identification, measurement, blasts and self-raise issue campaign to ensure
monitoring, and control of operational risks in Danamon employees proactively identify risks
Danamon and its Subsidiary. and conduct necessary corrective actions
b. The implementation of anti-fraud strategies before operational risk incident occurs.
will be continuously improved and adjusted
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m. Holding sharing sessions through webinars, IMPLEMENTATION OF BASEL III
the Risk Academy, and online training for
all Danamon employees to increase the Regulators have issued several regulations related
awareness of information security and the to the Capital Adequacy Ratio to support the
risks related to the use of technology in implementation of Basel III in Indonesia.
general.
n. Continuing the information security risk There are 3 (three) additional capital buffers that
assessment initiative for vendors/third shall be provided by Danamon as follows:
parties who process Danamon sensitive data
classified as confidential/strictly confidential. • Capital Conservation Buffer
o. Continuing the initiative to develop a library Danamon is required to establish a capital buffer
of risks and controls focused on specific in the form of a Capital Conservation Buffer of
risks applied to specific risks (application/ 2.5% of RWA.
Review
Operational
transaction control level).
• Countercyclical Buffer
4) Market and Liquidity Risk Management Currently, the countercyclical buffer for Danamon
a. Conducting stress testing related to ICAAP, is still set at 0%.
Joint Stress Test, as well as other stress tests
that are performed periodically or ad-hoc • Capital Surcharge for Systemic Bank
to ensure that Danamon has the capacity to Based on an OJK letter to Danamon dated
survive in the event of a liquidity and market October 2, 2025, Danamon was designated as
stress conditions. a Systemic Bank classified in group (bucket) 1;
b. Preparing for the implementation of Climate therefore, Danamon is required to establish a
Risk Stress Testing for Market and Liquidity Capital Surcharge of 1% of RWA.
Risk in compliance with the OJK guidelines.
c. Continuing to participate in the development In terms of Banking liquidity management, the
of necessary infrastructure to support new implementation of Liquidity Coverage Ratio is based
Treasury products and activities, as well as on POJK No. 42/POJK.03/2015 as amended by
the implementation of a new Treasury System. POJK No. 19 of 2024 concerning Liquidity Coverage
d. Performing ALM system upgrade to the Ratio (LCR) for Commercial Banks, and POJK No.
newest version to support Danamon 37/POJK.03/2019 concerning Transparency and
business growth and provide added value to Publication of Bank Reports issued in December
Management in decision making. 2019, where the implementation is in compliance with
e. Gradually carry out refinements and the Basel III liquidity framework.
continuous reviews, as well as validation of
the methodology for measuring market risk In addition to LCR, Basel also introduced an additional
and liquidity risk. ratio, the Net Stable Funding Ratio (NSFR), as a
f. Preparing the implementation of automatic complement to liquidity risk management, as well as
calculation for the Fundamental Review of a leverage ratio as a complement to capital ratios.
the Trading Book (FRTB) and Credit Valuation The introduction of a leverage ratio is the backstop
Adjustment (CVA) using the new Treasury of the capital ratio, according to the risk profile, to
system. prevent the occurrence of a deleveraging process
g. Making regular updates on policies, that can damage the financial system and economy.
methodologies and procedures related to
Market Risk and Liquidity Risk. The implementation of the NSFR is based on
h. Preparing Internal Liquidity Adequacy POJK No. 50/POJK.03/2017 as amended by POJK
Assessment Process (ILAAP) calculation No. 20 of 2024 concerning Obligation of NSFR for
through ALM system upgrade.
160 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 163
Commercial Banks. The aspects of the NSFR related
to calculation, implementation period, reporting,
publication, and others refer to the above POJK.
Furthermore, there is an Internal Liquidity Adequacy
Assessment Process (ILAAP) which is an integral
part of the Bank’s liquidity risk management, based
on SEOJK No. 26/SEOJK.03/2025 concerning the
Internal Liquidity Adequacy Assessment Process
(ILAAP) for Commercial Banks.
The initial submission period for the ILAAP report
is scheduled for the position as of late December
Review
Operational
2026 (excluding Intraday Liquidity reports), with a
trial implementation to be submitted throughout the
preceding year.
As part of the Basel III implementation framework,
Danamon has implemented the management of
interest rate risk in the Banking Book as regulated
by SEOJK No. 12/SEOJK.03/2018 pertaining to
the Implementation of Risk Management and
Measurement based on Standardized Approach
for Interest Rate Risk in the Banking Book for
Commercial Banks.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 161
Page 164
DISCLOSURE OF
RISK AND CAPITAL EXPOSURE
Disclosure of information below as of December 31, 2025 is based on SEOJK No. 9/SEOJK.03/2020 concerning
the Transparency and Publication Report for Conventional Bank; SEOJK No. 24/SEOJK.03/2021 concerning
Risk-Weighted Assets Calculation for Credit Risk using the Standardized Approach for Commercial Banks and
SEOJK No. 16/SEOJK.03/2023 concerning Capital Calculation for Bank Exposure to Central Counterparty
Institutions.
GENERAL RISK
Review
Operational
TABLE 1. KEY METRICS (KM 1) - BANK ONLY
No. Description
Available Capital
1. Common Equity Tier 1 (CET1)
2. Tier 1 Capital
3. Total Capital
Risk Weighted Assets
4. Total Risk Weighted Assets (RWA)
Risk Based Capital Ratios as a percentage of RWA
5. CET1 Ratio (%)
6. Tier 1 Ratio (%)
7. Total Capital Ratio (%)
Additional CET1 buffer requirements as a percentage of RWA
8. Capital Conservation Buffer (2.5% of RWA) (%)
9. Countercyclical Buffer (0 - 2.5% of RWA) (%)
10. Capital Surcharge for Systemic Bank (1% - 3.5%) (%)
11. Total CET1 as buffer requirements (row 8 + row 9 + row 10)
12. CET1 component for buffer
Basel III Leverage Ratio
13. Total Exposure
14. Leverage Ratio, including the impact of any applicable temporary exemption of central bank reserves (%)
14b. Leverage Ratio, excluding the impact of any applicable temporary exemption of central bank reserves (%)
14c. Leverage Ratio, including the impact of any applicable temporary exemption of central bank reserves, which includes the
average value of the carrying value of Securities Financing Transactions (SFT) on a gross basis (%)
14d. Leverage Ratio, excluding the impact of any applicable temporary exemption of central bank reserves, which includes the
average value of the carrying value of Securities Financing Transactions (SFT) on a gross basis (%)
162 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Review
Operational
(in IDR million)
31-DEC-25 31-SEP-25 30-JUN-25 31-MAR-25 31-DEC-24 *)
39,691,860 38,886,392 37,534,781 36,444,302 36,131,591
39,691,860 38,886,392 37,534,781 36,444,302 36,131,591
41,518,095 40,709,073 39,326,096 38,239,668 37,777,091
174,475,976 164,298,308 163,761,258 163,248,932 154,919,039
22.75% 23.67% 22.92% 22.32% 23.32%
22.75% 23.67% 22.92% 22.32% 23.32%
23.80% 24.78% 24.01% 23.42% 24.38%
2.50% 2.50% 2.50% 2.50% 2.50%
0.00% 0.00% 0.00% 0.00% 0.00%
1.00% 1.00% 1.00% 1.00% 1.00%
3.50% 3.50% 3.50% 3.50% 3.50%
14.80% 15.78% 15.01% 14.42% 15.38%
258,222,472 247,229,721 237,976,288 239,410,235 237,420,674
15.37% 15.73% 15.77% 15.22% 15.22%
15.37% 15.73% 15.77% 15.22% 15.22%
15.27% 15.67% 16.04% 15.87% 15.44%
15.27% 15.67% 16.04% 15.87% 15.44%
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 163
Page 166
No. Description
Liquidity Coverage Ratio (LCR)
15. Total High-Quality Liquid Assets (HQLA)
16. Total Net Cash Outflow
17. LCR (%)
Net Stable Funding Ratio (NSFR)
18. Total Available Stable Funding
19. Total Required Stable Funding
20. NSFR (%)
*)
Restated
Review
Operational
Qualitative Analysis
CAR:
Capital Adequacy Ratio (CAR) of Danamon individually in December 2025 was 23.80%, above minimum requirements as stipulated in
POJK No.11/POJK.03/2016 and revised through OJK Regulation No.27 Year 2022 dated December 7, 2022, which is 9.0%, with additional
fulfillment of capital surcharge for systemic Bank of 1.0% and capital conservation buffer of 2.5%.
Leverage Ratio:
The leverage ratio of Danamon individually in December 2025 was 15.37%, above minimum requirement as stipulated in POJK
No. 31/POJK.03/2019, which is 3%.
164 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(in IDR million)
31-DEC-25 31-SEP-25 30-JUN-25 31-MAR-25 31-DEC-24 *)
55,040,792 45,536,056 37,840,104 40,447,144 36,609,930
36,092,187 32,572,972 30,597,003 29,592,932 28,877,999
152.50% 139.80% 123.67% 136.68% 137.16%
157,273,017 161,453,821 158,026,173 153,500,527 152,700,638
125,835,768 127,117,498 125,984,365 125,149,837 123,634,772
124.98% 127.01% 125.43% 122.65% 123.51%
Review
Operational
LCR:
The average Liquidity Coverage Ratio (LCR) of Danamon individually in December 2025 was 152.50%. This ratio was still above the
minimum ratio value as stipulated in POJK No. 42/POJK.03/2015 and amended through POJK No. 48/POJK.03/2020, which is 100%.
The composition of High-Quality Liquid Assets (HQLA) owned by Danamon was still dominated by Placements with Bank Indonesia (BI), as
well as Securities issued by the Central Government and BI.
NSFR:
The Net Stable Funding Ratio (NSFR) of Danamon individually in December 2025 was 124.98%, above the OJK minimum requirement of
100%. Total Available Stable Fund (ASF) of Danamon individually in December 2025 was IDR157.27 Trillion (weighted value) with the largest
component coming from Deposits from individual and micro customers amounting to IDR70.21 Trillion (weighted value) and Capital of
IDR46.21 Trillion (weighted value).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 165
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TABLE 1. KEY METRICS (KM 1) - BANK AS CONSOLIDATED WITH SUBSIDIARY
No. Description
Available Capital
1. Common Equity Tier 1 (CET1)
2. Tier 1 Capital
3. Total Capital
Risk Weighted Assets
4. Total Risk Weighted Assets (RWA)
Risk Based Capital Ratios as a percentage of RWA
Review
Operational
5. CET1 Ratio (%)
6. Tier 1 Ratio (%)
7. Total Capital Ratio (%)
Additional CET1 buffer requirements as a percentage of RWA
8. Capital Conservation Buffer (2.5% of RWA) (%)
9. Countercyclical Buffer (0 - 2.5% of RWA) (%)
10. Capital Surcharge for Systemic Bank (1% - 3.5%) (%)
11. Total CET1 as buffer requirements (row 8 + row 9 + row 10)
12. CET1 component for buffer
Basel III Leverage Ratio
13. Total Exposure
14. Leverage Ratio, including the impact of any applicable temporary exemption of central bank reserves (%)
14b. Leverage Ratio, excluding the impact of any applicable temporary exemption of central bank reserves (%)
14c. Leverage Ratio, including the impact of any applicable temporary exemption of central bank reserves, which includes the
average value of the carrying value of Securities Financing Transactions (SFT) on a gross basis (%)
14d. Leverage Ratio, excluding the impact of any applicable temporary exemption of central bank reserves, which includes the
average value of the carrying value of Securities Financing Transactions (SFT) on a gross basis (%)
Liquidity Coverage Ratio (LCR)
15. Total High-Quality Liquid Assets (HQLA)
16. Total Net Cash Outflow
17. LCR ratio (%)
Net Stable Funding Ratio (NSFR)
18. Total Available Stable Funding
19. Total Required Stable Funding
20. NSFR ratio (%)
*)
Restated
Qualitative Analysis
CAR:
Capital Adequacy Ratio (CAR) of Danamon consolidated in December 2025 was 25.37%, above minimum requirements as stipulated in
POJK No.11/POJK.03/2016 and revised through OJK Regulation No.27 Year 2022 dated December 7, 2022, which is 9.0%, with additional
fulfillment of capital surcharge for systemic Bank of 1.0% and capital conservation buffer of 2.5%.
Leverage Ratio:
The leverage ratio of Danamon consolidated in December 2025 was 17.04%, above minimum requirement as stipulated in POJK No. 31/
POJK.03/2019 of 3%.
166 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(in IDR million)
31-DEC-25 31-SEP-25 30-JUN-25 31-MAR-25 31-DEC-24 *)
50,169,085 49,055,847 47,515,417 46,163,266 48,400,006
50,169,085 49,055,847 47,515,417 46,163,266 48,400,006
52,266,404 50,995,257 49,414,407 48,071,851 50,306,409
206,001,965 192,027,337 190,971,621 190,554,027 185,266,704
Review
Operational
24.35% 25.55% 24.88% 24.23% 26.12%
24.35% 25.55% 24.88% 24.23% 26.12%
25.37% 26.56% 25.87% 25.23% 27.15%
2.50% 2.50% 2.50% 2.50% 2.50%
0.00% 0.00% 0.00% 0.00% 0.00%
1.00% 1.00% 1.00% 1.00% 1.00%
3.50% 3.50% 3.50% 3.50% 3.50%
16.37% 17.56% 16.87% 16.23% 18.15%
294,376,265 277,377,361 267,444,726 269,197,037 264,423,245
17.04% 17.69% 17.77% 17.15% 18.30%
17.04% 17.69% 17.77% 17.15% 18.30%
16.94% 17.63% 18.04% 17.80% 18.55%
16.94% 17.63% 18.04% 17.80% 18.55%
55,188,844 45,664,004 37,982,977 40,583,086 39,747,375
34,727,727 31,338,138 29,775,039 28,385,532 27,444,668
158.92% 145.71% 127.57% 142.97% 144.83%
179,224,316 171,886,302 169,044,470 165,402,653 164,204,669
152,069,336 139,577,654 138,056,891 137,522,975 136,603,981
117.86% 123.15% 122.45% 120.27% 120.20%
LCR:
The average Liquidity Coverage Ratio (LCR) of Danamon consolidated in December 2025 was 158.92%. This ratio was still above the
minimum ratio value as stipulated in POJK No. 42/POJK.03/2015 and amended through POJK No. 48/POJK.03/2020, which is 100%. The
composition of High-Quality Liquid Assets (HQLA) owned by Danamon was still dominated by Placements with Bank Indonesia (BI), as well
as Securities issued by the Central Government and BI.
NSFR:
The Net Stable Funding Ratio (NSFR) of Danamon consolidated in December 2025 was 117.86%, above the OJK minimum requirement
of 100%. Total Available Stable Fund (ASF) of Danamon consolidated in December 2025 was IDR179.22 Trillion (weighted value) with the
largest component coming from Deposits from individual and micro and small business customers amounting to IDR70.21 Trillion (weighted
value) and Capital of IDR56.45 Trillion (weighted value).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 167
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TABLE 2. DIFFERENCE BETWEEN CONSOLIDATED AND MAPPING ON FINANCIAL STATEMENTS IN
ACCORDANCE WITH FINANCIAL ACCOUNTING STANDARDS WITH RISK CATEGORIES IN ACCORDANCE
WITH FINANCIAL SERVICES AUTHORITY PROVISIONS FOR RISK CATEGORY (LI1) - BANK AS
CONSOLIDATED WITH SUBSIDIARY
31 December 2025
Carrying value as
No. Accounts stated in the financial
statement publication
ASSETS
1. Cash 2,946,955
Review
Operational
2. Placements with Bank Indonesia 9,649,470
3. Placements with other banks 2,822,262
4. Spot and derivative/forward receivables 347,353
5. Marketable securities 38,523,489
6. Securities sold under repurchase agreements (repo) 2,291,505
7. Securities purchased under resale agreements (reverse repo) 2,017,413
8. Acceptance receivables 1,081,153
9. Loans 159,289,592
10. Sharia financing 14,470,729
11. Consumer financing receivables 33,899,545
Allowance for impairment losses on consumer financing receivables -/- (1,867,103)
12. Investments 1,472,877
13. Other financial assets 2,082,113
14. Allowance for impairment losses on financial assets -/- -
a. Marketable securities (107,188)
b. Loans and Sharia financing (7,500,757)
c. Others (4,390)
15. Intangible assets 5,358,502
Accumulated amortisation on intangible assets -/- (3,458,666)
16. Fixed assets and equipment 6,376,843
Accumulated depreciation of fixed assets and equipment -/- (3,683,473)
17. Non earning asset -
a. Idle properties 64,599
b. Foreclosed assets 333,679
c. Suspense accounts -
d. Interbranch assets -
18. Leased receivables 3,229,498
19. Other assets 6,078,367
TOTAL ASSETS 275,714,367
168 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(in IDR million)
Carrying amount of each risk *)
Does not refer to
In accordance with In accordance with
In accordance with the In accordance with the capital requirements
Counterparty Credit the Securitization
credit risk framework Market Risk Framework or based on capital
Risk framework Framework
reduction
3,040,156 - - 515,396 -
Review
Operational
9,649,470 - - 1,155,586 -
2,822,263 - - 2,173,453 -
- 2,345,001 - 347,353 -
33,786,214 - - 9,386,892 -
2,291,505 - - - -
2,017,413 - - - -
1,081,153 - - 927,923 -
159,056,260 - - 13,342,019 -
14,704,063 - - 217,128 -
33,899,545 - - - -
(717,439) - - - -
458,034 - - - 999,691
1,863,220 - - 230,836 -
- - - - -
- - - - -
(5,661,035) - - (477,960) -
- - - (2,648) -
- - - - 5,358,502
- - - - (3,458,666)
6,376,843 - - - -
(3,683,473) - - - -
- - - -
64,599 - - - -
333,679 - - - -
- - - - -
- - - - -
3,229,498 - - - -
4,885,409 - - - 1,288,365
269,497,376 2,345,001 - 27,815,978 4,187,892
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 169
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31 December 2025
Carrying value as
No. Accounts stated in the financial
statement publication
LIABILITIES AND EQUITY
LIABILITIES
1. Current accounts 33,851,754
2. Savings 39,813,173
3. Time deposits 100,512,102
4. E-money -
5. Liabilities to Bank Indonesia -
6. Liabilities to other Banks 8,121,769
Review
Operational
7. Spot and derivative/forward liabilities 1,047,947
8. Securities sold under repurchase agreements (repo) 2,283,430
9. Acceptance payables 1,081,153
10. Marketable securities issued 10,166,825
11. Borrowings 9,227,093
12. Security deposits 7,583
13. Interbranch liabilities -
14. Other liabilities 11,589,469
15. Minority interest 3,742,579
TOTAL LIABILITIES 221,444,877
EQUITY
16. Issued and fully paid capital --
a. Authorized capital 10,000,000
b. Unpaid capital -/- (4,004,423)
c. Treasury stock -/- -
17. Additional paid-up capital -
a. Agio 7,807,989
b. Disagio -/- -
c. Capital paid in advance -
d. Others 115,244
18. Other comprehensive income -
a. Gains 288,772
b. Lossess -
19. Reserves -
a. General reserves 595,869
b. Specific reserves -
20. Retained earnings -
a. Previous years 36,715,538
b. Current year 3,863,220
c. Dividend paid -/- (1,112,719)
TOTAL EQUITY ATTRIBUTABLE TO EQUITY HOLDERS OF THE PARENT ENTITY -
TOTAL EQUITY 54,269,490
TOTAL LIABILITIES AND EQUITY 275,714,367
Qualitative Analysis
There are several financial assets that are subject to more than one risk framework, as follows:
1. Spot and Derivatives Receivables, recorded on counterparty credit risk and market risk frameworks.
2. Placement to Bank Indonesia, Loan and Marketable Securities is recorded on credit risk and market risk frameworks.
*)
The carrying amount column as stated in the financial statement publication may differ from the sum of all the carrying amount of each risk, because there are
items that are calculated on more than one risk framework, or there are items that are not included in the risk framework at all.
170 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(in IDR million)
Carrying amount of each risk*)
Does not refer to
In accordance with In accordance with
In accordance with the In accordance with the capital requirements
Counterparty Credit the Securitization
credit risk framework Market Risk Framework or based on capital
Risk framework Framework
reduction
- - - 5,197,985 -
- - - 6,096,841 -
- - - 9,607,499 -
- - - - -
- - - - -
- - - 1,247,840 -
Review
Operational
- - - 1,047,948 -
- - - - -
- - - 927,923 -
- - - - -
- - - 3,799,641 -
- - - - -
- - - - -
- - - 190,768 -
- - - - -
- - - 28,116,445 -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - 56 -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - 56 -
- - - - -
- - - 28,116,501 -
Each risk frameworks calculation on financial asset is following OJK regulation as follow:
1. SEOJK No. 24/SEOJK.03/2021 concerning Risk-Weighted Assets Calculation for Credit Risk using the Standardized Approach for
Commercial Banks,
2. SEOJK No. 48/SEOJK.03/2017 concerning Guidelines of Net Receivables Calculation for Derivative Transactions in the of Risk-weighted
Assets Calculation for Credit Risk using a Standardised Approach, and
3. SEOJK No. 23/SEOJK.03/2022 concerning Risk-Weighted Asset Calculation of Market Risk for Commercial Banks.
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TABLE 3. MAIN DIFFERENCES BETWEEN CARRYING VALUE ACCORDING TO FINANCIAL ACCOUNTING
STANDARDS AND EXPOSURE VALUE ACCORDING TO OJK REGULATIONS (LI2) - BANK AS
CONSOLIDATED WITH SUBSIDIARY
31 December 2025 (in IDR million)
Items
No. Component Total Counterparty
Credit Risk Securitization Market Risk
Credit Risk
Framework Framework Framework
Framework
1. Carrying value of assets is in 299,658,355 269,497,376 - 2,345,001 27,815,978
accordance with the prudential
consolidated coverage (as reported
in table LI1)
2. Carrying amount of the liability is 28,116,501 - - - 28,116,501
Review
Operational
in accordance with the prudential
consolidated coverage (as reported
in table LI1)
3. Total net value is in accordance 271,541,853 269,497,376 - 2,345,001 300,523
with the prudential consolidated
coverage
4. Administrative account value 21,984,526 20,758,991 - - 1,225,535
5. Difference in valuation - - - - -
6. Difference because netting rules, - - - - -
other than those included in line 2
7. Difference in provision - - - - -
8. Difference is due to prudential filters - - - - -
Exposure value considered is in 293,526,379 290,256,367 - 2,345,001 1,526,058
accordance with the consolidated
scope of the prudential provisions
Qualitative Analysis
There are several financial assets that are subject to more than one risk framework, as follows:
1. Spot and Derivatives Receivables, recorded on counterparty credit risk and market risk frameworks.
2. Placement to Bank Indonesia, Loan, and Marketable Securities is recorded on credit risk and market risk frameworks.
Each risk frameworks calculation on financial asset is following OJK regulation as follow:
1. SEOJK No. 24/SEOJK.03/2021 concerning Risk-Weighted Assets Calculation for Credit Risk using the Standardized Approach for
Commercial Banks,
2. SEOJK No. 48/SEOJK.03/2017 concerning Guidelines of Net Receivables Calculation for Derivative Transactions in the of Risk-weighted
Assets Calculation for Credit Risk using a Standardised Approach, and
3. SEOJK No. 23/SEOJK.03/2022 concerning Risk-Weighted Asset Calculation of Market Risk for Commercial Banks.
General - The explanation of the Exposure Amount Difference in accordance with Financial Accounting
Standards and OJK Regulation (LIA)
Danamon and its Subsidiary classify fair value measurements using a fair value hierarchy that reflects the
significance of the inputs used in making the measurements. The fair value hierarchy shall have the followings
levels:
i. Quoted prices (unadjusted) in active markets for identical assets or liabilities (Level 1);
ii. Inputs other than quoted prices included within Level 1 that are observable for the asset or liability either
directly (example, price) or indirectly (example, derived from prices) (Level 2); and
iii. Inputs for the asset and liability that are not based on observable market data (unobservable inputs)
(Level 3).
Fair values of financial assets and financial liabilities that are traded in active markets are based on quoted market
prices or dealer price quotations. For all other financial instruments, Danamon and its Subsidiary determine
fair values using valuation techniques. Valuation techniques include net present value and discounted cash
flow models, and comparison to similar instruments for which market observable prices exist. Assumptions
and inputs used in valuation techniques include risk-free and benchmark interest rates, credit spreads and
other variable used in estimating discount rates, bond prices, foreign currency exchange rates, and expected
price volatilities and correlations.
172 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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CAPITAL RISK
TABLE 4. CAPITAL COMPOSITION (CC1)
31 December 2025 (in IDR million)
Ref. No.
from
No. Component Bank Consolidated
Publication
Balance Sheet
Common Equity Tier 1 Capital: Instruments and Reserves
1. Directly issued qualifying common share (and equivalent for non-joint 13,981,548 13,803,566 a+b+c
stock companies) capital plus related stock surplus
2. Retained earnings 29,445,048 39,573,531 d+e+f
3. Accumulated other comprehensive income (and other reserves) 1,039,217 1,061,571 g+h+i
4. Directly issued capital subject to phase out from CET1 (only applicable N/A N/A
Review
Operational
to non-joint stock companies)
5. Common share capital issued by Subsidiary and held by third parties - -
(amount allowed in group CET1)
6. CET1 capital before regulatory adjustments 44,465,813 54,438,668
CET1 capital: Regulatory Adjustments
7. Prudential valuation adjustments - -
8. Goodwill (net of related tax liability) - (1,074,532) j+k
9. Other intangibles other than mortgage-servicing rights (net of related (490,917) (825,304) l+m
tax liability)
10. Deferred tax assets that rely on future profitability excluding those N/A N/A
arising from temporary differences (net of related tax liability)
11. Cash-flow hedge reserve N/A N/A
12. Shortfall of provisions to expected losses N/A N/A
13. Securitisation gain on sale (as set out in paragraph 562 of Basel II - -
framework)
14. Gains and losses due to changes in own credit risk on fair valued - -
liabilities
15. Defined-benefit pension fund net assets N/A N/A
16. Investments in own shares (if not already netted off paid-in capital on N/A N/A
reported balance sheet)
17. Reciprocal cross-holdings in common equity - -
18. Investments in the capital of banking, financial and insurance entities N/A N/A
that are outside the scope of regulatory consolidation, net of eligible
short positions, where the bank does not own more than 10% of the
issued share capital (amount above 10% threshold)
19. Significant investments in the common stock of banking, financial N/A N/A
and insurance entities that are outside the scope of regulatory
consolidation, net of eligible short positions (amount above 10%
threshold)
20. Mortgage servicing rights (amount above 10% threshold) - -
21. Deferred tax assets arising from temporary differences (amount above N/A N/A
10% threshold, net of related tax liability)
22. Amount exceeding the 15% threshold N/A N/A
23. of which : significant investments in the common stock of financials N/A N/A
24. of which : mortgage servicing rights N/A N/A
25. of which : deferred tax assets arising from temporary differences N/A N/A
26. National specific regulatory adjustments
a. Under provision between regulatory provision and impairment value - -
on productive assets
b. Under provision between regulatory provision and impairment value (81,690) (81,690)
on non productive assets
c. Deferred tax assets (826,351) (1,288,365) n
d. Investments (3,374,996) (999,691) o
e. Short of capital on insurance Subsidiary company - -
f. Capital securitisation exposure - -
g. Others - -
27. Regulatory adjustments applied to Common Equity Tier 1 due to - -
insufficient Additional Tier 1 and Tier 2 to cover deductions
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 173
Page 176
31 December 2025 (in IDR million)
Ref. No.
from
No. Component Bank Consolidated
Publication
Balance Sheet
28. Total regulatory adjustments to CET1 (4,773,954) (4,269,582)
29. Common Equity Tier 1 capital (CET1) 39,691,859 50,169,086
Additional Tier 1 capital: Instruments
30. Directly issued qualifying Additional Tier 1 instruments plus related - -
stock surplus
31. of which: classified as equity under applicable accounting standards - -
32. of which: classified as liabilities under applicable accounting - -
standards
33. Directly issued capital instruments subject to phase out from N/A N/A
Review
Operational
Additional Tier 1
34. Additional Tier 1 instruments (and CET1 instruments not included in - -
row 5) issued by Subsidiary and held by third parties (amount allowed
in group AT 1)
35. of which: instruments issued by Subsidiary subject to phase out N/A N/A
36. Additional Tier 1 capital before regulatory adjustments - -
Additional Tier 1 capital:
Regulatory Adjustments
37. Investments in own AT 1 instruments N/A N/A
38. Reciprocal cross-holdings in AT 1 instruments - -
39. Investments in the capital of banking, financial and insurance entities N/A N/A
that are outside the scope of regulatory consolidation, net of eligible
short positions, where the Bank does not own more than 10% of
the issued common share capital of the entity (amount above 10%
threshold)
40. Significant investments in the capital of banking, financial and N/A N/A
insurance entities that are outside the scope of regulatory
consolidation (net of eligible short positions)
41. National specific regulatory adjustments
a. Placement of funds in instruments AT 1 at other Banks - -
42. Regulatory adjustments applied to AT 1 due to insufficient Tier 2 to - -
cover deductions
43. Total regulatory adjustments to AT 1 capital - -
44. Additional Tier 1 capital (AT 1) - -
45. Tier 1 capital (T1 = CET1 + AT 1) 39,691,859 50,169,086
Tier 2 capital:
Instruments and Provisions
46. Directly issued qualifying Tier 2 instruments plus related stock surplus 14,583 14,583 p
47. Directly issued capital instruments subject to phase out from Tier 2 N/A N/A
48. Tier 2 instruments (and CET1 and AT 1 instruments not included in rows - -
5 or 34) issued by Subsidiary and held by third parties (amount allowed
in group Tier 2)
49. of which: instruments issued by Subsidiary subject to phase out N/A N/A
50. General reserves of regulatory provision on productive assets 1,811,652 2,082,736
(max. 1.25% of RWA Credit Risk)
51. Tier 2 capital before regulatory adjustments 1,826,235 2,097,319
Tier 2 capital:
Regulatory Adjustments
52. Investments in own Tier 2 instruments N/A N/A
53. Reciprocal cross-holdings in Tier 2 instruments and other TLAC - -
liabilities
54. Investments in the other TLAC liabilities of banking, financial and N/A N/A
insurance entities that are outside the scope of regulatory consolidation
and where the Bank does not own more than 10% of the issued
common share capital of the entity: amount previously designated for
the 5 % threshold but that no longer meets the conditions (for G-SIBs
only)
55. Significant investments in the capital and other TLAC liabilities of N/A N/A
banking, financial and insurance entities that are outside the scope of
regulatory consolidation (net of eligible short positions)
174 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 177
31 December 2025 (in IDR million)
Ref. No.
from
No. Component Bank Consolidated
Publication
Balance Sheet
56. National specific regulatory adjustments
a. Sinking fund - -
b. Placement of funds in Tier 2 instruments at other Banks - -
57. Total regulatory adjustments to Tier 2 capital - -
58. Tier 2 capital (T2) 1,826,235 2,097,319
59. Total capital (TC = T1 + T2) 41,518,094 52,266,405
60. Total Risk Weighted Assets 174,475,976 206,001,965
Capital Ratios and Buffers
Review
Operational
61. Common Equity Tier 1 (as a percentage of risk weighted assets) 22.75% 24.35%
62. Tier 1 (as a percentage of risk weighted assets) 22.75% 24.35%
63. Total capital (as a percentage of risk weighted assets) 23.80% 25.37%
64. Institution specific buffer requirement (minimum CET1 requirement 3.50% 3.50%
plus capital conservation buffer plus countercyclical buffer
requirements plus G-SIB buffer requirement, expressed as a
percentage of risk weighted assets)
65. of which: Capital conservation buffer requirement 2.50% 2.50%
66. of which: Bank specific countercyclical buffer requirement 0.00% 0.00%
67. of which: G-SIB buffer requirement 1.00% 1.00%
68. Common Equity Tier 1 available to meet buffers (as a percentage of 14.80% 16.37%
risk weighted assets)
National minimal (if different from Basel III)
69. National Common Equity Tier 1 minimum ratio (if different from Basel N/A N/A
III minimum)
70. National Tier 1 minimum ratio (if different from Basel III minimum) N/A N/A
71. National total capital minimum ratio (if different from Basel III minimum) N/A N/A
Amounts below the thresholds for deduction (before risk weighting)
72. Non-significant investments in the capital and other TLAC liabilities of N/A N/A
other financial entities
73. Significant investments in the common stock of financials N/A N/A
74. Mortgage servicing rights (net of related tax liability) N/A N/A
75. Deferred tax assets arising from temporary differences (net of related N/A N/A
tax liability)
Applicable caps on the inclusion of provisions in Tier 2
76. Provisions eligible for inclusion in Tier 2 in respect of exposures N/A N/A
subject to standardised approach (prior to application of cap)
77. Cap on inclusion of provisions in Tier 2 under standardised approach N/A N/A
78. Provisions eligible for inclusion in Tier 2 in respect of exposures N/A N/A
subject to internal ratings-based approach (prior to application of cap)
79. Cap for inclusion of provisions in Tier 2 under internal ratings-based N/A N/A
approach
Capital instruments subject to phase-out arrangements
(only applicable between 1 Jan 2018 and 1 Jan 2022)
80. Current cap on CET1 instruments subject to phase out arrangements N/A N/A
81. Amount excluded from CET1 due to cap (excess over cap after N/A N/A
redemptions and maturities)
82. Current cap on AT 1 instruments subject to phase out arrangements N/A N/A
83. Amount excluded from AT 1 due to cap (excess over cap after N/A N/A
redemptions and maturities)
84. Current cap on T2 instruments subject to phase out arrangements N/A N/A
85. Amount excluded from T2 due to cap (excess over cap after N/A N/A
redemptions and maturities)
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 175
Page 178
TABLE 5. CAPITAL RECONCILIATION (CC2)
31 December 2025 (in IDR million)
No Accounts Bank Consolidated Ref. No.
ASSETS
1. Cash 2,869,077 2,946,955
2. Placements with Bank Indonesia 9,649,470 9,649,470
3. Placements with other Banks 2,616,361 2,822,262
4. Spot and derivative/forward receivables 289,525 347,353
5. Marketable securities owned 38,598,321 38,523,489
6. Securities sold under repurchase agreements (repo) 2,291,505 2,291,505
7. Securities purchased under resale agreements (reverse repo) 2,017,413 2,017,413
8. Acceptance receivables 1,081,153 1,081,153
Review
Operational
9. Loans 160,073,136 159,289,592
10. Sharia financing 14,704,062 14,470,729
11. Consumer financing receivables - 33,899,545
Allowance for impairment losses on consumer financing receivables - (1,867,103)
-/-
12. Investments
a. Calculated as capital deduction factor 3,374,996 999,691 o
b. Not calculated as capital deduction factor 52,469 473,186
13. Other financial assets 1,990,241 2,082,113
14. Allowance for impairment losses on financial assets -/-
a. Marketable securities (107,188) (107,188)
b. Loans (7,383,046) (7,500,757)
c. Others (4,390) (4,390)
15. Intangible assets
a. Goodwill - 1,906,684 j
b. Other Intangible assets 2,513,419 3,451,818 l
Accumulated amortisation on intangible assets -/-
a. Goodwill - (832,152) k
b. Other Intangible assets (2,022,502) (2,626,514) m
16. Fixed assets and equipment 4,607,703 6,376,843
Accumulated depreciation of fixed assets and equipment -/- (2,614,476) (3,683,473)
17. Non earning asset
a. Idle properties 64,599 64,599
b. Foreclosed assets 333,679 333,679
c. Suspense accounts - -
d. Interbranch assets - -
18. Leased receivables - 3,229,498
19. Other assets
a. Deferred tax assets calculated as capital deduction factor 826,351 1,288,365 n
b. Other assets not calculated as capital deduction factor 4,475,063 4,790,002
TOTAL ASSETS 240,296,941 275,714,367
176 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 179
31 December 2025 (in IDR million)
No Accounts Bank Consolidated Ref. No.
LIABILITIES & EQUITY
1. Current accounts 34,388,890 33,851,754
2. Savings 39,813,173 39,813,173
3. Time deposits 100,512,102 100,512,102
4. E-money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other Banks 8,121,769 8,121,769
7. Spot and derivative/forward liabilities 1,032,769 1,047,947
8. Securities sold under repurchase agreements (repo) 2,283,430 2,283,430
Review
Operational
9. Acceptance payables 1,081,153 1,081,153
10. Marketable securities issued - 10,166,825
11. Borrowings
a. Can be calculated in the capital component 14,583 14,583 p
b. Can not be calculated in the capital component 343,917 9,212,510
12. Security deposits 7,583 7,583
13. Interbranch liabilities - -
14. Other liabilities 8,402,549 11,589,469
15. Minority interest - 3,742,579
TOTAL LIABILITIES 196,001,918 221,444,877
16. Issued and fully paid capital
a. Authorized capital 10,000,000 10,000,000 a
b. Unpaid capital -/- (4,004,423) (4,004,423) b
c. Treasury stock -/- - -
17. Additional paid-up capital
a. Agio 7,985,971 7,807,989 c
b. Disagio -/- - -
c. Capital paid in advance - -
d. Others 7,752 115,244
18. Other comprehensive income
a. Gain
i. Can be calculated in the capital component 443,348 465,702 g
ii. Can not be calculated in the capital component (178,542) (176,930)
b. Losses
i. Can be calculated in the capital component - - h
ii. Can not be calculated in the capital component - -
19. Reserves
a. General reserves 595,869 595,869 i
b. Specific reserves - -
20. Retained earnings
a. Previous years 27,261,215 36,715,538 d
b. Current year
i. Can be calculated in the capital component 3,296,552 3,863,220 e
ii. Can not be calculated in the capital component - (107,492)
c. Dividend paid (1,112,719) (1,112,719) f
Total Equity Attributable to Equity Holders of The Parent Equity 44,295,023 54,269,490
TOTAL EQUITY 44,295,023 54,269,490
TOTAL LIABILITIES AND EQUITY 240,296,941 275,714,367
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 177
Page 180
TABLE 6. KEY FEATURES OF CAPITAL AND TLAC-ELIGIBLE INSTRUMENTS (CCA)
31 December 2025
No Question
1. Issuer
2. Identification number
3. Legal applied
Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible
instruments governed by foreign law)
Instrument Treatment based on CAR requirements
4. During the transition period
5. After the transition period
Review
Operational
6. Are the instrument eligible for Individual/Consolidated or Consolidated and Individual
7. Instrument type
8. The amount recognized in the CAR calculation (in millions IDR)
9. Par Value of the instrument (in millions IDR)
10. Accounting Classification
178 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 181
(in IDR million)
Main Capital Instrument Features Reconciliation and TLAC-Eligible (CCA)
Answer Answer
PT Bank Danamon Indonesia Tbk PT Bank Danamon Indonesia Tbk
Exchange Code: BDMN N/A
ISIN: ID1000094204
Indonesian Law Indonesian Law
N/A N/A
N/A N/A
CET1 Tier 2
Review
Operational
Consolidated and Individual Consolidated and Individual
Common Stock Subordinated Loan
13,803,566 14,583
5,995,577 25,000
Equity Liability-Amortized cost
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 179
Page 182
31 December 2025
No Question
11. Publication Date
Review
Operational
12. No maturity (perpertual) or with maturity
13. Due Date
14. Execution of Call Option based on Banks' supervisor approval
15. Date of call option, amounts withdrawal and other call option requirements (if any)
16. Subsequent call option
Coupon/Dividend
17. Dividend or coupon with fixed or floating interest
18. Coupon rate or other index to which reference
19. Whether or not dividend stopper
20. Fully discretionary; partial or mandatory
21. Any step up feature or other incentive
22. Non-cumulative or cumulative
23. Convertible or non-convertible
24. If convertible, mention its trigger point
25. If convertible, whether whole or in part
26. If convertible, how the conversion rate
27. If convertible; whether mandatory or optional
28. If convertible, specify the type of conversion instrument
180 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 183
(in IDR million)
Main Capital Instrument Features Reconciliation and TLAC-Eligible (CCA)
Answer Answer
STOCK SERIE A Loan received on 4 December 2018 and
• Initial Public Offering on December 8, 1989 of 12,000,000 shares - par value per share of IDR extended on 4 December 2023
1,000.
• Founders’ shares of 22,400,000 sheet.
• Bonus shares from additional paid-in capital capitalisation of 34,400,000 shares in 1992.
• Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) I of 224,000,000
shares - par value per share of IDR 1,000, on 24 December 1993.
• Bonus shares from additional paid-in capital capitalisation of 112,000,000 shares - par value
per share of IDR 1,000 in 1995.
• Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) II of 560,000,000
shares - par value per share of IDR 1,000, on 29 April 1996.
• Founders’ shares of 155,200,000 shares in 1996.
• Shares from the changes in the par value of shares of 1,120,000,000 sheet - par value per
share of IDR 500 in 1997.
Review
Operational
• Increase in par value to IDR 10,000 per share through the reduction in total number of shares
(reverse stock split) to 112,000,000 shares in 2001.
• Increase in par value to IDR 50,000 per share through the reduction in total number of shares
(reverse stock split) to 22,400,000 shares in 2003.
STOCK SERIE B
• Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) III of
215,040,000,000 shares - par value per share of IDR 5 on 29 March 1999.
• Shares issued in order to merger with PDFCI of 45,375,000,000 shares - par value per share
of IDR 5 in 1999.
• Shares issued in order to merger with Bank Tiara of 35,557,200,000 shares - par value per
share of IDR 5 in 2000.
• Shares issued in order with Danamon merger with 7 Taken-Over (BTO) of 192,480,000,000
shares - par value per share of IDR 5 in 2000.
• Increase in par value to IDR 100 per share through the reduction in total number of shares
(reverse stock split) to 24,422,610,000 shares in 2001.
• Increase in par value to IDR 500 per share through the reduction in total number of shares
(reverse stock split) to 4,884,522,000 shares in 2003.
• Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) IV of 3,314,893,116
shares - par value per share of IDR 500, on 20 March 2009.
• Shares from Limited Public Offering with Pre-emptive Rights (Rights Issue) V of 1,162,285,399
shares - par value per share of IDR 1,000, on 24 August 2011.
• Total Series B Shares issued start from 01 July 2015 until 30 June 2011 by the Company to,
and placed/taken by, the members of the Board of Directors that determined by the Board
of Commissioners of the Company and senior employees that determined by the Board of
Company Directors (“Option Beneficiaries”) who have exercised the option rights granted
to them under the E/M SOP program are 200,542,850 Series B shares or equals with IDR
100,271,425,000 with a par value per share of IDR 500 in the period between 2005 and 2011.
• Shares conversion due to merger with PT Bank Nusantara Parahyangan Tbk (Bank BNP) ,
through an additional of 188,909,505 shares B series (with a par value per share of IDR 500)
efective at 1 May 2019.
Perpetual With maturity
No maturity date 4 December 2028
No No
N/A N/A
N/A N/A
Floating Fixed
N/A 7.33%
Yes No
Mandatory Mandatory
No No
Cumulative and Non-cumulative Cumulative
Non-convertible Non-convertible
N/A N/A
N/A N/A
N/A N/A
N/A N/A
N/A N/A
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 181
Page 184
31 December 2025
No Question
29. If convertible, mention the issuer of instrument it converts into
30. Write-down feature
31. If write-down, mention its trigger point
32. If write-down, whether whole or in part
Review
Operational
33. If write-down; permanent or temporary
34. If temporary write-down, explain the write-up mechanism
34a. Type of subordination
35. Instrument hierarchy when the liquidation is done
36. Is there non-compliant transitioned features
37. If yes, specify non-compliant features
Qualitative Disclosure on Capital Structure and Capital Adequacy
Danamon is committed to managing a strong and sound capital structure as the foundation for sustainable
business growth.
In accordance with POJK No. 11/POJK.03/2016 and revised through POJK No. 27 of 2022 concerning the
Minimum Capital Requirement for Commercial Banks and its amendments, Danamon capital consists of:
• Core capital (tier 1) consists of components which are included in main core capital (common equity tier 1).
The core capital (tier 1) comprises of paid-up capital and disclosed reserves less deductions for deferred
tax, intangible assets and investment in Subsidiary. Disclosed reserve consists of additional paid-up
capital, general reserves, prior year profit, current year profit, other comprehensive income less shortage
in regulatory provision on allowance for impairment loss for productive assets and non-productive assets.
• Supplementary capital (tier 2) comprises the regulatory provision general reserve on productive assets
(maximum 1.25% from RWA for credit risk) and subordinated loan which is qualified as capital instrument
in tier 2.
Capital Components (in IDR million)
2025 2024 *)
Bank
Total Capital 41,518,095 37,777,091
Core Capital (Tier 1) 39,691,860 36,131,591
Supplementary Capital (Tier 2) 1,826,235 1,645,500
Risk-Weighted Assets (Credit Risk, Market Risk, 174,475,976 154,919,039
and Operational Risk)
Capital Adequacy Ratio (CAR) 23.80% 24.38%
*)
Restated
182 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 185
(in IDR million)
Main Capital Instrument Features Reconciliation and TLAC-Eligible (CCA)
Answer Answer
N/A N/A
No Yes
N/A (i) Common Equity Tier 1 Ratio become
lower than: (a) 8% of its RWA; or
(b) as required by prevailing law; or
(ii) CAR Ratio become lower than:
(a) 13.5%; or (b) as required by
prevailing law; or
(iii) Regulators decide that Debtor’s
business continuity is potential
interrupted.
N/A whole or in part
Review
Operational
N/A Permanent
N/A N/A
N/A N/A
Paid-up capital instrument and it’s subordinated to other capital instrument. Subordinated Loan will be subordinated,
Available to absorb losses incurred prior or at the time of liquidation. Creditors wil receive payment by hierarchy
after Separtist Creditors, Preference
Creditors, Preference Creditors,
Concurrent Creditors, and Depositors
have been repaid in accordance with
prevailing laws and regulations in
Indonesia when liquidation is done.
No No
N/A N/A
Capital Components (in IDR million)
2025 2024 *)
Bank and Subsidiary
Total Capital 52,266,404 50,306,409
Core Capital (Tier 1) 50,169,085 48,400,006
Supplementary Capital (Tier 2) 2,097,319 1,906,403
Risk-Weighted Assets (Credit Risk, Market Risk, 206,001,965 185,266,704
and Operational Risk)
Capital Adequacy Ratio (CAR) 25.37% 27.15%
*)
Restated
Danamon has strong capital to support its growth and operations in order to meet the Capital Adequacy
Ratio (CAR) according to the risk profile, additional capital as a buffer both the Capital Conservation Buffer
and the Countercyclical Buffer, as well as Capital Surcharge for Systemic Banks in accordance with applicable
regulations.
Capital management is done through monitoring the capital base and capital ratios based on industry
standards to measure capital adequacy.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 183
Page 186
LEVERAGE RATIO
TABLE 7a. LEVERAGE RATIO REPORT
31 December 2025 (in IDR million)
Total
No Information
Bank Consolidated
1. Total assets on the balance sheet in published financial statements (gross value before 247,791,565 285,193,805
deducting impairment provision)
2. Adjustment for investment in Bank, Financial Institution, Insurance Company, and/or other - -
entities that consolidated based on accounting standard yet out of scope consolidation
based on Otoritas Jasa Keuangan
3. Adjustment for portfolio of financial asset that have underlying which already transferred to - -
Review
Operational
without recourse securitization asset as stipulated in OJK's statutory regulations related to
Prudential Principles in Securitization Asset Activity for General Bank
4. Adjustment to temporary exception of Placement to Bank Indonesia in accordance Statutory - -
Reserve Requirement (if any)
5. Adjustment to fiduciary asset that recognized as balance sheet based on accounting - -
standard yet excluded from total exposure in Leverage Ratio calculation.
6. Adjustment to acquisition cost and sales price of financial assets regularly using trade date - -
accounting method
7. Adjustment to qualified cash pooling transaction as stipulated in this OJK's regulation. - -
8. Adjustment to exposure of derivative transaction 1,972,134 2,204,131
9. Adjustment to exposure of Securities Financing Transaction (SFT) as example: reverse repo 8,113 8,113
transaction
10. Adjustment to exposure of Off Balance Sheet transaction that already multiply with Credit 20,637,548 20,637,548
Conversion Factor (CCF)
11. Prudent valuation adjustments in form of capital deduction factor and impairment provision (12,186,888) (13,667,331)
12. Other adjustments - -
13. Total exposure in Leverage Ratio Calculation 258,222,472 294,376,266
TABLE 7b. LEVERAGE RATIO CALCULATION REPORT
31 December 2025 (in IDR million)
Bank Consolidated
No Information 31 December 30 September 31 December 30 September
2025 2025 2025 2025
On Balance Sheet Exposure
1. On-balance sheet exposures (excluding derivatives and 243,190,825 243,133,963 280,535,237 264,165,766
securities financing transactions (SFTs), but including collateral)
(gross value before deducting impairment provision)
2. Gross-up for derivatives collateral provided where deducted - - - -
from balance sheet assets pursuant to the accounting standard
3. (Deductions of receivable assets for cash variation margin - - - -
provided in derivatives transactions)
4. (Adjustment for securities received under securities financing - - - -
transactions that are recognised as an asset)
5. (Impairment provision those assets inline with accounting (7,494,624) (7,571,140) (9,479,439) (9,060,702)
standard applied)
6. (Asset amounts deducted in determining Basel III Tier 1 capital (4,692,264) (14,435,888) (4,187,892) (4,177,964)
and regulatory adjustments)
7. Total on-balance sheet exposures 231,003,937 221,126,935 266,867,906 250,927,100
184 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 187
31 December 2025 (in IDR million)
Bank Consolidated
No Information 31 December 30 September 31 December 30 September
2025 2025 2025 2025
Derivative Exposure
8. Replacement cost associated with all derivatives transactions 403,485 640,315 486,839 776,781
(where applicable net of eligible cash variation margin and/or
with bilateral netting)
9. Add-on amounts for potential future exposure associated with all 1,858,175 2,109,275 2,064,645 2,320,282
derivatives transactions
10. (Exempted central counterparty (CCP) leg of client-cleared - - - -
trade exposures)
11. Adjusted effective notional amount of written credit derivatives - - - -
12. (Adjusted effective notional offsets and add-on deductions for - - - -
Review
Operational
written credit derivatives)
13. Total derivative exposures 2,261,660 2,749,590 2,551,484 3,097,063
Securities financing transaction exposures
14. Gross SFT Assets 4,311,214 3,847,663 4,311,215 3,847,664
15. (Netted amounts of cash payables and cash receivables of gross - - - -
SFT assets)
16. Counterparty credit risk exposure for SFT assets refers to 8,113 1,542 8,113 1,543
Current Exposure calculation
17. Agent transaction exposures - - - -
18. Total securities financing transaction exposures 4,319,327 3,849,205 4,319,328 3,849,207
Other off-balance sheet exposures
19. Off-balance sheet exposure at gross notional amount 114,041,523 107,272,847 114,041,523 107,272,847
20. (Adjustment from the result of multiplying commitment payable (93,280,518) (87,616,199) (93,280,518) (87,616,199)
or contingent payables with credit conversion factor (CCF) and
deducted with impairment provision)
21. (Impairment provision for off balance sheet inline with accounting (123,457) (152,657) (123,457) (152,657)
standard)
22. Off-balance sheet items 20,637,548 19,503,991 20,637,548 19,503,991
Capital and Total Exposure
23. Tier 1 Capital 39,691,860 38,886,392 50,169,085 49,055,847
24. Total Exposure 258,222,472 247,229,721 294,376,266 277,377,361
Leverage Ratio
25. Leverage ratio (including the impact of any applicable temporary 15.37% 15.73% 17.04% 17.69%
exemption of central bank reserves)
25a. Leverage ratio (excluding the impact of any applicable temporary 15.37% 15.73% 17.04% 17.69%
exemption of central bank reserves)
26. National minimum leverage ratio requirement 3.00% 3.00% 3.00% 3.00%
27. Applicable leverage buffers 0.00% 0.00% 0.00% 0.00%
Disclosures of mean values
28. Mean value of gross SFT assets, after adjustment for sale 6,075,379 4,715,328 6,075,379 4,715,328
accounting transactions and netted of amounts of associated
cash payables and cash
29. Quarter-end value of gross SFT assets, after adjustment for sale 4,311,214 3,847,663 4,311,215 3,847,664
accounting transactions and netted of amounts of associated
cash payables and cash receivables
30. Total exposures (including the impact of any applicable 259,986,637 248,097,386 296,140,430 278,245,025
temporary exemption of central bank reserves) incorporating
mean values from row 28 of gross SFT assets (after adjustment
for sale accounting transactions and netted of amounts of
associated cash payables and cash receivables)
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 185
Page 188
31 December 2025 (in IDR million)
Bank Consolidated
No Information 31 December 30 September 31 December 30 September
2025 2025 2025 2025
30a. Total exposures (excluding the impact of any applicable 259,986,637 248,097,386 296,140,430 278,245,025
temporary exemption of central bank reserves) incorporating
mean values from row 28 of gross SFT assets (after adjustment
for sale accounting transactions and netted of amounts of
associated cash payables and cash receivables)
31. Basel III leverage ratio (including the impact of any applicable 15.27% 15.67% 16.94% 17.63%
temporary exemption of central bank reserves) incorporating
mean values from row 28 of gross SFT assets (after adjustment
for sale accounting transactions and netted of amounts of
associated cash payables and cash receivables)
31a. Basel III leverage ratio (excluding the impact of any applicable 15.27% 15.67% 16.94% 17.63%
temporary exemption of central bank reserves) incorporating
mean values from row 28 of gross SFT assets (after adjustment
Review
Operational
for sale accounting transactions and netted of amounts of
associated cash payables and cash receivables)
RISK MANAGEMENT EFFORTS WITH DISCLOSURE OF EXPOSURE AND IMPLEMENTATION OF
RISK MANAGEMENT
1. Credit Risk
Credit risk is the potential financial loss caused by the failure of the borrowers or counterparties to fulfill
their obligations in accordance with the agreement. Danamon’s credit risk exposure primarily arises from
lending activities, as well as from other activities such as trade finance, treasury, and investments. Credit
risk exposure can also increase through the concentration of credit in a certain geographic area, as well as
certain borrower characteristics.
a. Credit Risk Management
Danamon implements Credit Risk Management individually and consolidated with its Subsidiary,
involving an active role by the BOC and BOD. Credit Risk Management Implementation covers the
end-to-end process from credit acceptance criteria, origination and approval, pricing, monitoring,
collection, collateral management, remedial management process, and portfolio management.
Danamon always applies the prudential principle and risk management as a whole to every aspect
of credit activity in compliance with the prevailing regulations, such as POJK No. 40/POJK.03/2019
concerning Assessment of Asset Quality for Commercial Bank.
Danamon has Credit Risk Policy, which is a core policy and the main framework for implementing credit
risk management. This policy and the credit guidelines in the line of business govern the credit risk
management process comprehensively, including risk identification, measurement, monitoring, and
controlling. Credit Risk Policy and Credit Guidelines are reviewed periodically to comply with prevailing
regulations and adjust to Danamon’s risk appetite.
Process Implementation Activities
Identification • Periodically review the Product Program containing Industry analysis and marketing strategies, product feature,
criteria for credit approval, product performance, and the implementation of risk management.
• Establish credit approval criteria based on the 5C approach: Character, Capacity to Repay, Capital, Collateral, and
Conditions of the Economy as well as adjusting the risk appetite, risk profile, and Bank business plan.
Assessment • Develop and implement credit risk assessment methodology, such as internal credit rating and credit scorecards
that are consistently enhanced and validated to evaluate loan disbursements and other facilities related to credit.
• Establish credit risk assessment parameters, trigger scores, and limits on non performing loan levels,
portfolio concentrations, and other credit parameters.
• Conduct stress tests on significant changes of conditions as estimated potential impacts on portfolios, revenues,
as well as Danamon’s capital conditions.
Monitoring • Periodically monitor risks taken in accordance with risk appetite and business performance to remain within the
desired limits.
• Monitor product performance and portfolios at the Bank and its line of business levels through a reliable
management information system.
• Evaluate the adequacy of risk management implementation, which may provide improvement and adjustment
toward risk management strategies.
186 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 189
Process Implementation Activities
Control • Establish and periodically review the policies and guidelines for the implementation of credit risk management that
is applicable to line of business in both general and specific terms.
• Implement adequate four-eyes principles in every process of credit facility approval.
• Delegate authority for credit approvals to selected members of the Credit Committee, based on qualifications and
competencies.
• Determine internal limits for Legal Lending Limits (LLL) for both individual and group debtors, and also for related
and non-related parties.
• Determine the risk level, appetite, and concentration limit on certain industrial sectors.
• Identify non-performing loans at an early stage so remedial processes can be conducted properly and efficiently.
• Build up and ensure the adequacy of provisions in line with the existing regulations.
• Develop an independent and sustainable mechanism of internal control system.
In the Credit Risk Profile Analysis, the existing business model of Danamon and its Subsidiary was
reflected in the assessment of Inherent Risk and Quality of Risk Management Implementation,
where Danamon individually and consolidated conducts the assessments periodically and reports them
Review
Operational
in the Credit Risk Profile Report.
The Credit Risk Management process is performed thoroughly on all lines of defense in Danamon.
Line of Business, Subsidiary, and Underwriting Unit as the risk-taking units, are the first line of defense
which has important roles in the implementation of adequate risk management.
The Risk Management Directorate serves as an independent second line of defense. This unit is
responsible for monitoring and reviewing credit risk parameters, reviewing and updating the policies
related to credit, and developing risk measurement methodologies and risk control procedures.
The Compliance Working Unit, as the second line of defense, is also active in providing recommendations
on the implementation of credit risk management in line with regulations including the evaluation on
granting credit facilities to Danamon’s related parties.
Compliance with the implementation of credit risk management is continuously evaluated by an
IAWU acting as a third line of defense. This Working Unit actively provides recommendations for the
improvement and development of Danamon’s risk management across all units.
Credit Risk Internal Rating and Scorecard Model
Danamon has Risk Modelling, Quantitative Technique, and Analytics (RA) Division to develop, implement,
monitor, and review the risk modeling and methodologies of quantitative techniques. This also includes
ensuring that Danamon has robust risk modelling for prudent portfolio management, and for the credit
business, as follows:
• Corporate
• Commercial
• Mid-Market
• Financing Company
• Financial Institutions
• Credit Card
• Unsecured Loans
• Small and Medium Enterprise Loans
• Mortgage
• Automotive Loans
In addition to the above models, the RA Division also develops a Probability of Default (PD) model
and implements the “Danamon Rating Scale” (DRS), which is mapped according to the PD Model and
scores/ratings that are applicable to all lines of business.
The Internal Rating Model and Credit Scorecard are used as a basis for ECL PSAK 109/IFRS 9
calculation and have become among the several indicators used as references to make credit decisions,
acquisitions, and portfolio monitoring. Implementing the Internal Rating Model and Credit Scorecard is
expected to improve the overall quality of Danamon’s loan portfolio.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 187
Page 190
b. Credit Concentration Risk main categories, which are payment status,
Credit concentration risk arises when debtor’s financial performance, assessment of
borrowers engaged in similar business debtors’ repayment status, and restructured
activities or have business activities in the loans. For the Consumer segment, the
same geographical area, or have similar assessments are conducted using a collective
characteristics that may affect the customers approach through the portfolio and are
from meeting their contractual obligations assessed based on asset quality and the
and equally being affected by changes in restructuring conditions.
economic conditions and other conditions.
d. Provisioning
Danamon encourages diversification of its Danamon has implemented PSAK 109
loan portfolio in various geographical areas, (IFRS 9), where Allowance for Impairment
industries, credit products, and individual Losses (CKPN) is recognized in the amount of
Review
Operational
debtors that reflects a balanced and healthy 12 months of expected credit losses (ECL) or
risk profile and focuses on marketing efforts throughout the lifetime of the financial asset.
toward the industry and potential customers CKPN is recognized for all financial assets of
to minimize credit risk. This diversification debt instruments measured at amortized cost
is based on Danamon’s strategic plan, or at Fair Value through Other Comprehensive
the target sector, current economic conditions, Income (FVOCI), loan commitments, and
government policy, funding sources, and financial guarantees.
growth projections.
Meanwhile, the CKPN calculation for Sharia
c. Measurement and Control Mechanism of loans refers to applicable accounting
Credit Risk standards and regulatory requirements.
Danamon conducts intensive and rigorous Specifically for receivables under murabahah
monitoring of any changes that may affect contracts, CKPN is evaluated individually and
Danamon’s portfolio, both individually and in collectively using the incurred loss method.
consolidation with its Subsidiary. Review of While CKPN calculation for other contracts,
loan portfolio are conducted by the line of Danamon applies POJK Asset Quality
business level as a risk-taking unit and at the Assessment for Sharia Banks and Sharia
Risk Management Working Unit level, which Business Units.
is also monitored periodically by the Credit/
Financing Policy Committee at the BOD level In implementing PSAK 109, Danamon uses the
and by the Risk Oversight Committee at the following two methods:
BOC level. - Collective calculations, portfolio-based
CKPN calculations for Retail, Consumer
Danamon also carries out measurement of and Enterprise Banking Business Lines
past due and impaired claims. This includes (Corporate, Commercial, FI, and FINCO).
matured claims in the form of financial In this method, the Bank uses an Internal
assets both in whole or in part, including Rating and Scorecard as a basis for
interest payments that are overdue more than determining the Probability of Default (PD)
90 (ninety) days and impaired claims, namely for each debtor.
financial assets that have objective evidence - Individual calculations, for large exposure
of impairment based on future cash-flow portfolios with impaired conditions
estimates. and exposure above Rp10 billion. This
calculation uses the Discounted Cash
The evaluation of impaired loans is Flow (DCF) or Collateral Approach which is
categorized into two main segments: calculated at the individual level.
Wholesale (Enterprise Banking and SME)
and Consumer. In the Wholesale Banking
segment, the assessment includes four
188 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 191
Danamon primarily uses sophisticated models c. Exposure at Default (EAD)
that utilize the probability of default (PD), loss The expected balance sheet exposure
given default (LGD) and exposure at default at the time of default, considering that
(EAD) metrics, discounted using the effective expected change in exposure over the
interest rate. lifetime of the exposure. This incorporates
the impact of drawdowns of committed
a. Probability of Default (PD) facilities, repayments of principal and
The probability at a point in time that interest, amortization and prepayments,
a counterparty will default, calibrated together with the impact of relevant
over up to 12 months from the reporting forward-looking economic assumptions.
date (Stage 1) or over the lifetime of the
product (Stage 2 and 3) and incorporating In accordance with PSAK 109 principles,
the impact of forward-looking economic Danamon also defines Stage-1 criteria for
Review
Operational
assumptions that have an effect on credit debtors with good portfolio quality. Stage-2
risk. PD is estimated at a point in time for debtors under the Significant Increase
that means it will fluctuate in line with the in Credit Risk (SICR) condition and Stage-3
economic cycle. for defaulted debtors with collectability 3,
4, 5 or impaired.
b. Loss Given Default (LGD)
The loss that is expected to arise on default, e. Disclosure of Danamon Quantitative Credit
incorporating the impact of relevant Risk
forward-looking economic assumptions Danamon’s quantitative credit risk calculations
(if any), which represents the difference for 2025 are disclosed in the following table:
between the contractual cash flows due
and those that the Bank expects to receive.
Danamon estimates LGD based on the
historical recovery rates and considers the
recovery of any collateral that is integral to
the financial assets with due consideration
of all relevant forward-looking economic
assumptions.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 189
Page 192
TABLE 8. DISCLOSURE OF CREDIT QUALITY OF ASSETS (CR1)
i. Bank Only
31 December 2025
No Information
1. Credit
2. Securities
Review
Operational
3. Administrative Account Transactions
Total
ii. Bank as Consolidated with Subsidiary
31 December 2025
No Information
1. Credit
2. Securities
3. Administrative Account Transactions
Total
iii. Additional Disclosures
• Gross Carrying amount as the carrying value in the financial statements before taking into account loan
loss provision, without considering CCF and CRM techniques.
• For Past Due Receivables, Danamon refers to the criteria as stipulated in SEOJK No. 24/SEOJK.03/2021
concerning Risk-Weighted Assets Calculation for Credit Risk using the Standardized Approach for
Commercial Banks.
TABLE 9. DISCLOSURE OF CREDIT MOVEMENTS AND MATURITY SECURITIES (CR2)
i. Bank Only
(in IDR million)
No Description 31 December 2025
1. Loans and Securities Mature in the previous reporting period 3,731,702
2. Loans and Securities Mature since the last reporting period 2,061,110
3. Loans and Securities that return to become undue bills 204,481
4. Write Offs 3,150,821
5. Other changes 1,001,430
6. Past due Loans and Marketable Securities in Current Reporting Period (1+2-3-4+5) 3,438,940
190 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 193
(in IDR million)
Gross Carrying Value Allowance for Impairment Lossess (ECL)
Non ECL - Stage 2
Past Due ECL - IRB Net Value
Past Due ECL and ECL Stage 1
Receivables Approach )a+b-c(
Receivables ECL - Stage 3
a b c d e f g
3,438,940 171,338,258 7,383,048 5,554,395 1,828,653 - 167,394,150
- 33,855,914 107,188 106,152 1,036 - 33,748,726
Review
Operational
30,918 114,010,605 123,458 3,666 119,792 - 113,918,065
3,469,858 319,204,777 7,613,694 5,664,213 1,949,481 - 315,060,941
(in IDR million)
Gross Carrying Value Allowance for Impairment Lossess (ECL)
Non ECL - Stage 2
Past Due ECL - IRB Net Value
Past Due ECL and ECL Stage 1
Receivables Approach )a+b-c(
Receivables ECL - Stage 3
a b c d e f g
4,131,693 206,757,671 9,367,860 6,271,832 3,096,028 - 201,521,504
- 33,786,214 107,188 106,152 1,036 - 33,679,026
30,918 114,010,605 123,458 3,666 119,792 - 113,918,065
4,162,611 354,554,490 9,598,506 6,381,650 3,216,856 - 349,118,595
ii. Bank as Consolidated with Subsidiary
(in IDR million)
No Description 31 December 2025
1. Loans and Securities Mature in the previous reporting period 4,303,410
2. Loans and Securities Mature since the last reporting period 2,481,999
3. Loans and Securities that return to become undue bills 216,207
4. Write Offs 5,807,855
5. Other changes 3,370,346
6. Past due Loans and Marketable Securities in Current Reporting Period (1+2-3-4+5) 4,131,693
iii. Additional Disclosures
▪ Definition of Past Due Receivables refers to the criteria as stipulated in SEOJK No. 24/SEOJK.03/2021
concerning Risk-Weighted Assets Calculation for Credit Risk using the Standardized Approach for
Commercial Banks.
▪ Past Due Receivables in this table do not consider loan loss provision.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 191
Page 194
TABLE 10. DISCLOSURE OF NET RECEIVABLES BY REGION
i. Bank Only
31 December 2025
Jakarta, Bogor,
No Portfolio Category Tangerang,
Central Java
Karawang, West Java
and Yogyakarta
Bekasi, and
Lampung
(1) (2) (3) (4) (5)
1. Receivables on Sovereigns 46,938,320 - -
Review
Operational
2. Receivables on Public Sector Entities 3,769,122 - 5,767
3. Receivables on Multilateral Development Banks and - - -
International Institutions
4. Receivables on Banks 11,802,871 92,395 29,791
5. Receivables Covered Bonds - - -
6. Receivables to securities companies and other financial 10,127,658 - 184,160
institutions
7. Receivables of subordinated securities, equity, and other 52,469 - -
capital instruments
8. Loans Secured by Residential Property 14,547,699 1,654,163 886,602
9. Loan Secured by Commercial Real Estate 12,099,257 1,927,723 2,325,811
10. Credit for land acquisition, land processing, and - - -
construction
11. Employee/Pensioner Loans - - -
12. Receivables on Micro, Small Business, & Retail Portfolio 17,629,404 2,030,265 1,553,566
13. Receivables on Corporate 77,346,962 1,420,144 1,980,356
14. Past Due Receivables 265,404 22,616 11,909
15. Other Assets 5,432,476 268,554 317,982
Total 200,011,642 7,415,860 7,295,944
192 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 195
(in IDR million)
Net Receivables based on Region
Sulawesi,
Bali, NTT, and North South
East Java Maluku, and Kalimantan Total
NTB Sumatra Sumatra
Papua
(6) (7) (8) (9) (10) (11) (12)
- - - - - - 46,938,320
Review
Operational
168 4,140 6,637 6,130 5,404 - 3,797,368
- - - - - - -
32,622 107,041 5,908 - 38,867 59 12,109,554
- - - - - - -
- - 41,456 - 25,166 - 10,378,440
- - - - - - 52,469
2,025,465 358,292 493,282 219,926 897,602 358,573 21,441,604
2,542,887 964,265 1,728,618 1,113,754 2,601,605 1,150,347 26,454,267
- - - - - - -
- - - - - - -
2,961,386 195,068 2,236,071 1,771,653 4,928,456 95,591 33,401,460
1,824,625 228,930 673,073 1,303,098 2,428,884 1,003,516 88,209,588
21,640 1,668 14,623 4,731 35,095 1,985 379,671
352,612 228,884 447,326 326,045 435,212 143,500 7,952,591
9,761,405 2,088,288 5,646,994 4,745,337 11,396,291 2,753,571 251,115,332
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 193
Page 196
31 December 2024
Jakarta, Bogor,
No Portfolio Category Tangerang,
Central Java
Karawang, West Java
and Yogyakarta
Bekasi, and
Lampung
(1) (2) (3) (4) (5)
1. Receivables on Sovereigns 39,692,232 - -
2. Receivables on Public Sector Entities 1,920,455 63 -
3. Receivables on Multilateral Development Banks and - - -
International Institutions
4. Receivables on Banks 12,704,470 111,690 30,661
Review
Operational
5. Receivables Covered Bonds - - -
6. Receivables to securities companies and other financial 10,349,200 - 56,123
institutions
7. Receivables of subordinated securities, equity, and other 79,813 - -
capital instruments
8. Loans Secured by Residential Property 13,651,731 1,434,735 849,348
9. Loan Secured by Commercial Real Estate 14,283,325 1,685,760 2,462,506
10. Credit for land acquisition, land processing, and - - -
construction
11. Employee/Pensioner Loans - - -
12. Receivables on Micro, Small Business, & Retail Portfolio 16,879,297 2,316,065 1,497,789
13. Receivables on Corporate 59,603,969 1,153,746 1,611,872
14. Past Due Receivables 287,352 23,570 25,914
15. Other Assets 4,511,348 241,112 270,751
Total 173,963,192 6,966,741 6,804,964
ii. Bank as Consolidated with Subsidiary
31 December 2025
Jakarta, Bogor,
No Portfolio Category Tangerang,
Central Java
Karawang, West Java
and Yogyakarta
Bekasi, and
Lampung
(1) (2) (3) (4) (5)
1. Receivables on Sovereigns 46,938,320 - -
2. Receivables on Public Sector Entities 3,769,562 - 5,767
3. Receivables on Multilateral Development Banks and - - -
International Institutions
4. Receivables on Banks 12,008,772 92,395 29,791
5. Receivables Covered Bonds - - -
6. Receivables to securities companies and other financial 9,037,940 - 184,160
institutions
7. Receivables of subordinated securities, equity, and other 458,034 - -
capital instruments
8. Loans Secured by Residential Property 14,547,699 1,654,163 886,602
9. Loan Secured by Commercial Real Estate 12,099,257 1,927,723 2,325,811
10. Credit for land acquisition, land processing, and - - -
construction
11. Employee/Pensioner Loans - - -
12. Receivables on Micro, Small Business, & Retail Portfolio 51,753,301 2,030,265 1,553,566
13. Receivables on Corporate 79,444,933 1,420,144 1,980,356
14. Past Due Receivables 454,702 22,616 11,909
15. Other Assets 6,620,449 268,554 317,982
Total 237,132,967 7,415,860 7,295,944
194 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 197
(in IDR million)
Net Receivables based on Region
Sulawesi,
Bali, NTT, and North South
East Java Maluku, and Kalimantan Total
NTB Sumatra Sumatra
Papua
(6) (7) (8) (9) (10) (11) (12)
- - - - - - 39,692,232
378 - 448 - - - 1,921,344
- - - - - - -
22,785 54,114 7,781 - 30,227 82 12,961,810
Review
Operational
- - - - - - -
- - 12,167 - 85,119 - 10,502,609
- - - - - - 79,813
1,817,218 310,427 482,839 193,672 766,216 307,718 19,813,904
2,386,978 907,427 1,650,078 1,005,739 2,498,770 1,274,730 28,155,313
- - - - - - -
- - - - - - -
2,853,121 141,355 2,409,511 1,741,426 5,265,298 101,956 33,205,818
1,602,547 162,080 547,634 1,009,620 2,407,837 945,694 69,044,999
20,447 1,498 23,488 11,495 51,490 - 445,254
273,171 203,880 473,538 247,603 400,634 208,163 6,830,200
8,976,645 1,780,781 5,607,484 4,209,555 11,505,591 2,838,343 222,653,296
(in IDR million)
Net Receivables based on Region
Sulawesi,
Bali, NTT, and North South
East Java Maluku, and Kalimantan Total
NTB Sumatra Sumatra
Papua
(6) (7) (8) (9) (10) (11) (12)
- - - - - - 46,938,320
168 4,140 6,637 6,130 5,404 - 3,797,808
- - - - - - -
32,622 107,041 5,908 - 38,867 58 12,315,454
- - - - - - -
- - 41,456 - 25,166 - 9,288,722
- - - - - - 458,034
2,025,465 358,292 493,280 219,926 897,602 358,573 21,441,602
2,542,887 964,265 1,728,618 1,113,754 2,601,605 1,150,347 26,454,267
- - - - - - -
- - - - - - -
2,961,386 195,068 2,236,071 1,771,652 4,928,456 95,591 67,525,356
1,824,625 228,930 673,073 1,303,097 2,428,884 1,003,516 90,307,558
21,640 1,668 14,623 4,731 35,095 1,985 568,969
352,612 228,884 447,326 326,045 435,212 143,500 9,140,564
9,761,405 2,088,288 5,646,994 4,745,337 11,396,291 2,753,571 288,236,657
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 195
Page 198
31 December 2024 *)
Jakarta, Bogor,
No Portfolio Category Tangerang,
Central Java
Karawang, West Java
and Yogyakarta
Bekasi, and
Lampung
(1) (2) (3) (4) (5)
1. Receivables on Sovereigns 39,704,761 - -
2. Receivables on Public Sector Entities 1,920,974 63 -
3. Receivables on Multilateral Development Banks and - - -
International Institutions
4. Receivables on Banks 13,519,338 111,690 30,661
Review
Operational
5. Receivables Covered Bonds - - -
6. Receivables to securities companies and other financial 10,016,771 - 56,123
institutions
7. Receivables of subordinated securities, equity, and other 467,855 - -
capital instruments
8. Loans Secured by Residential Property 13,651,731 1,434,735 849,348
9. Loan Secured by Commercial Real Estate 14,283,325 1,685,760 2,462,506
10. Credit for land acquisition, land processing, and - - -
construction
11. Employee/Pensioner Loans - - -
12. Receivables on Micro, Small Business, & Retail Portfolio 44,454,778 2,761,996 1,589,048
13. Receivables on Corporate 61,306,709 1,153,746 1,611,872
14. Past Due Receivables 499,022 25,356 26,058
15. Other Assets 5,931,760 231,112 260,751
Total 205,757,024 7,404,458 6,886,367
*)
Restated
196 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 199
(in IDR million)
Net Receivables based on Region
Sulawesi,
Bali, NTT, and North South
East Java Maluku, and Kalimantan Total
NTB Sumatra Sumatra
Papua
(6) (7) (8) (9) (10) (11) (12)
- - - - - - 39,704,761
378 - 448 - - - 1,921,863
- - - - - - -
22,785 54,114 7,781 - 30,227 82 13,776,678
Review
Operational
- - - - - - -
- - 12,167 - 85,119 - 10,170,180
- - - - - - 467,855
1,817,218 310,427 482,839 193,672 766,216 307,718 19,813,904
2,386,978 907,427 1,650,078 1,005,739 2,498,770 1,274,730 28,155,313
- - - - - - -
- - - - - - -
2,929,947 141,355 5,629,600 2,228,825 6,567,676 101,956 66,405,181
1,602,547 162,080 547,634 1,009,620 2,407,837 945,694 70,747,739
20,745 1,498 34,368 13,209 55,724 - 675,980
273,171 193,880 473,538 237,603 397,280 208,163 8,207,258
9,053,769 1,770,781 8,838,453 4,688,668 12,808,849 2,838,343 260,046,712
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 197
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TABLE 11. DISCLOSURE OF NET RECEIVABLES BY ECONOMIC SECTOR
i. Bank Only
31 December 2025
Receivables
on Multilateral
No Economic Sectors Receivables on
Receivables on
Development Receivables on Receivables
Public Sector
Sovereigns Banks and Banks Covered Bonds
Entities
International
Institutions
a b c d e f g
1. Agriculture, Forestry, and Fisheries - - - - -
Review
Operational
2. Mining and Quarrying - - - - -
3. Processing Industries - 184,015 - - -
4. Procurement of Electricity, Gas, Steam/Hot Water, - 200,000 - - -
and Cold Air
5. Water Management, Wastewater Management, - 707 - - -
Waste Management and Recycling, and Remediation
Activities
6. Construction - 63,186 - - -
7. Wholesale and Retail Trade; Car and Motorcycle - 5,243 - - -
Repair and Maintenance
8. Transportation and Warehousing - 1,066,720 - - -
9. Provision of Accommodation and Provision of Food - - - - -
and Drink
10. Information and Communication - - - - -
11. Financial and Insurance Activities 2,906,492 1,606,589 - 12,108,021 -
12. Real Estate - - - - -
13. Professional, Scientific, and Technical Activities - - - - -
14. Leasing and Leasing Activities Without Option Rights, - - - - -
Employment, Travel Agents, and Other Business
Support
15. Government Administration, Defense, and - 945 - - -
Compulsory Social Security
16. Education - - - - -
17. Human Health Activities and Social Activities - - - - -
18. Art, Entertainment, and Leisure Activities - - - - -
19. Other Service Activities - - - - -
20. Household Activities as an Employer; Activities that - - - - -
Produce Goods and Services by Households Used to
Meet Their Own Needs
21. Activities of international bodies and other extra- - - - - -
international bodies
22. Household - 635 - 1,532 -
23. Not Other Business Fields - - - - -
24. Other 44,031,828 669,328 - - -
Total 46,938,320 3,797,368 - 12,109,553 -
198 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 201
(in IDR million)
31 December 2025
Receivables of
Receivables Credit for Land
Subordinated Receivables on
to Securities Loans Secured Loan Secured Acquisition, Employee/
Securities, Micro, Small Receivables on Past Due
Companies and by Residential by Commercial Land Pensioner Other Assets
Equity, and Business & Corporate Receivables
Other Financial Property Real Estate Processing and Loans
Other Capital Retail Portfolio
Institutions Construction
Instruments
h i j k l m n o p q
- - 69,075 1,014,205 - - 1,342,720 5,141,711 8,937 -
Review
Operational
27,739 - - 10,194 - - 69,348 993,849 7,459 -
- - 782,627 5,685,097 - - 766,981 24,159,900 46,394 -
- - 6,590 15,205 - - 68,838 3,730,991 466 -
- - 1,446 14,998 - - 81,979 1,578,352 255 -
- - 283,961 510,332 - - 255,862 9,976,717 3,509 -
13,441 - 3,428,353 11,903,739 - - 4,173,076 13,732,843 23,646 -
7,103 - 257,495 420,226 - - 712,680 698,892 6,552 -
- - 35,950 422,359 - - 282,607 139,294 776 -
- - 62,921 72,192 - - 41,846 4,734,697 40 -
10,317,028 - - 2,613 - - 27,994 2,914,796 5,442 -
- - 262,938 3,820,318 - - 79,999 6,577,906 470 -
- - 30,245 35,966 - - 23,351 2,012,455 54 -
10,327 - 148,074 372,498 - - 469,820 1,353,860 5,191 -
- - - - - - 236 - - -
- - 2,257 53,415 - - 12,744 4,846 5 -
- - 5,085 283,525 - - 23,997 45,787 197 -
- - - 5,978 - - 7,921 - 5 -
- - 4,856 7,458 - - 40,845 6,550 243 -
- - - - - - 14,368 216 183 -
- - - - - - - - - -
2,803 - 15,957,235 1,803,949 - - 24,322,880 99,102 269,717 -
- - 102,494 - - - 5,676 - 120 -
- 52,469 - - - - 575,691 10,306,823 12 7,952,592
10,378,441 52,469 21,441,602 26,454,267 - - 33,401,459 88,209,587 379,673 7,952,592
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 199
Page 202
31 December 2024
Receivables
on Multilateral
No Economic Sectors Receivables Receivables on
Development Receivables on Receivables
on Public Sector
Banks and Banks Covered Bonds
Sovereigns Entities
International
Institutions
a b c d e f g
1. Agriculture, Forestry, and Fisheries - - - - -
2. Mining and Quarrying - - - - -
3. Processing Industries - 26,368 - - -
4. Procurement of Electricity, Gas, Steam/Hot Water, - - - - -
and Cold Air
Review
Operational
5. Water Management, Wastewater Management, - 1,401 - - -
Waste Management and Recycling, and Remediation
Activities
6. Construction - 258,059 - - -
7. Wholesale and Retail Trade; Car and Motorcycle - - - - -
Repair and Maintenance
8. Transportation and Warehousing - 1,146,064 - - -
9. Provision of Accommodation and Provision of Food - - - - -
and Drink
10. Information and Communication - - - - -
11. Financial and Insurance Activities 2,746,773 150,000 - 12,960,335 -
12. Real Estate - - - - -
13. Professional, Scientific, and Technical Activities - - - - -
14. Leasing and Leasing Activities Without Option Rights, - - - - -
Employment, Travel Agents, and Other Business
Support
15. Government Administration, Defense, and - 182 - - -
Compulsory Social Security
16. Education - - - - -
17. Human Health Activities and Social Activities - - - - -
18. Art, Entertainment, and Leisure Activities - - - - -
19. Other Service Activities - - - - -
20. Household Activities as an Employer; Activities that - - - - -
Produce Goods and Services by Households Used to
Meet Their Own Needs
21. Activities of international bodies and other - - - - -
extra-international bodies
22. Household - 901 - 1,475 -
23. Not Other Business Fields - - - - -
24. Other 36,945,459 338,369 - - -
Total 39,692,232 1,921,344 - 12,961,810 -
200 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 203
(in IDR million)
31 December 2024
Receivables of
Receivables Credit for Land
Subordinated Receivables on
to Securities Loans Secured Loan Secured Acquisition, Employee/
Securities, Micro, Small Receivables on Past Due
Companies and by Residential by Commercial Land Pensioner Other Assets
Equity, and Business & Corporate Receivables
Other Financial Property Real Estate Processing and Loans
Other Capital Retail Portfolio
Institutions Construction
Instruments
h i j k l m n o p q
- - 63,774 1,755,252 - - 1,468,120 1,248,102 15,120 -
- - - 19,549 - - 110,979 146,884 8,328 -
- - 760,591 5,600,922 - - 756,006 24,750,952 75,516 -
- - 5,936 10,428 - - 69,307 1,616,245 558 -
Review
Operational
- - 1,513 6,938 - - 88,345 1,821,100 446 -
4,245 - 344,467 489,822 - - 225,924 1,849,084 2,793 -
28,071 - 3,454,151 11,506,856 - - 4,561,961 13,717,044 38,859 -
5,620 - 236,504 454,958 - - 869,373 414,758 10,795 -
- - 27,609 234,531 - - 204,869 68,148 745 -
20,347 - 72,980 91,033 - - 33,610 5,071,866 183 -
10,433,630 - 995 2,989 - - 31,970 2,773,453 14,314 -
- - 31,908 5,942,640 - - 55,194 3,778,613 192 -
- - 42,174 28,239 - - 56,189 28,615 81 -
7,893 - 116,402 276,203 - - 618,627 908,619 6,054 -
- - - - - - 585 5,148 57 -
- - 2,437 3,548 - - 7,054 5,095 29 -
- - 4,783 171,678 - - 20,225 24,430 32 -
- - - 1,285 - - 5,367 47 86 -
- - 3,368 3,134 - - 35,346 6,291 115 -
- - - - - - 10,583 274 10 -
- - - - - - - - - -
2,803 - 14,516,970 1,555,308 - - 23,365,877 101,236 270,605 -
- - 127,342 - - - 19,494 - 268 -
- 79,813 - - - - 590,813 10,708,995 68 6,830,200
10,502,609 79,813 19,813,904 28,155,313 - - 33,205,818 69,044,999 445,254 6,830,200
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 201
Page 204
ii. Bank as Consolidated with Subsidiary
31 December 2025
Receivables
Receivables on Multilateral
No Economic Sectors Receivables
Receivables on Public Development Receivables
Covered
on Sovereigns Sector Banks and on Banks
Bonds
Entities International
Institutions
a b c d e f g
1. Agriculture, Forestry, and Fisheries - - - - -
2. Mining and Quarrying - - - - -
3. Processing Industries - 184,015 - - -
4. Procurement of Electricity, Gas, Steam/Hot Water, - 200,000 - - -
and Cold Air
Review
Operational
5. Water Management, Wastewater Management, - 707 - - -
Waste Management and Recycling, and Remediation
Activities
6. Construction - 63,186 - - -
7. Wholesale and Retail Trade; Car and Motorcycle - 5,243 - - -
Repair and Maintenance
8. Transportation and Warehousing - 1,066,720 - - -
9. Provision of Accommodation and Provision of Food - - - - -
and Drink
10. Information and Communication - - - - -
11. Financial and Insurance Activities 2,906,492 1,606,589 - 11,761,246 -
12. Real Estate - - - - -
13. Professional, Scientific, and Technical Activities - - - - -
14. Leasing and Leasing Activities Without Option Rights, - - - - -
Employment, Travel Agents, and Other Business
Support
15. Government Administration, Defense, and - 945 - - -
Compulsory Social Security
16. Education - - - - -
17. Human Health Activities and Social Activities - - - - -
18. Art, Entertainment, and Leisure Activities - - - - -
19. Other Service Activities - - - - -
20. Household Activities as an Employer; Activities that - - - - -
Produce Goods and Services by Households Used to
Meet Their Own Needs
21. Activities of international bodies and other extra- - - - - -
international bodies
22. Household - 635 - 1,532 -
23. Not Other Business Fields - - - - -
24. Other 44,031,828 669,768 - 552,676 -
Total 46,938,320 3,797,808 - 12,315,454 -
202 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 205
(in IDR million)
31 December 2025
Receivables of
Receivables Credit for Land
Subordinated Receivables on
to Securities Loans Secured Loan Secured Acquisition, Employee/
Securities, Micro, Small Receivables on Past Due
Companies and by Residential by Commercial Land Pensioner Other Assets
Equity, and Business & Corporate Receivables
Other Financial Property Real Estate Processing and Loans
Other Capital Retail Portfolio
Institutions Construction
Instruments
h i j k l m n o p q
- - 69,075 1,014,205 - - 1,342,720 5,141,711 8,937 -
27,739 - - 10,194 - - 69,348 993,849 7,459 -
- - 782,627 5,685,097 - - 766,981 24,159,900 46,394 -
- - 6,590 15,205 - - 68,838 3,730,991 466 -
Review
Operational
- - 1,446 14,998 - - 81,979 1,578,352 255 -
- - 283,961 510,332 - - 255,862 9,976,717 3,509 -
13,441 - 3,428,353 11,903,739 - - 4,173,076 13,732,843 23,646 -
7,103 - 257,495 420,226 - - 712,680 698,892 6,552 -
- - 35,950 422,359 - - 282,607 139,294 776 -
- - 62,921 72,192 - - 41,846 4,734,697 40 -
9,227,309 - - 2,613 - - 27,994 2,914,796 5,442 -
- - 262,938 3,820,318 - - 79,999 6,577,906 470 -
- - 30,245 35,966 - - 23,351 2,012,455 54 -
10,327 - 148,074 372,498 - - 469,820 1,353,860 5,191 -
- - - - - - 236 - - -
- - 2,257 53,415 - - 12,744 4,846 5 -
- - 5,085 283,525 - - 23,997 45,787 197 -
- - - 5,978 - - 7,921 - 5 -
- - 4,856 7,458 - - 40,845 6,550 243 -
- - - - - - 14,368 216 183 -
- - - - - - - - - -
2,803 - 15,957,235 1,803,949 - - 24,322,880 99,102 269,717 -
- - 102,494 - - - 5,676 - 120 -
- 458,034 - - - - 34,699,588 12,404,794 189,308 9,140,564
9,288,722 458,034 21,441,602 26,454,267 - - 67,525,356 90,307,558 568,969 9,140,564
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 203
Page 206
31 December 2024 *)
Receivables
Receivables on Multilateral
No Economic Sectors Receivables Receivables
on Public Development Receivables
on Covered
Sector Banks and on Banks
Sovereigns Bonds
Entities International
Institutions
a b c d e f g
1. Agriculture, Forestry, and Fisheries - - - - -
2. Mining and Quarrying - - - - -
3. Processing Industries - 26,368 - - -
4. Procurement of Electricity, Gas, Steam/Hot Water, - - - - -
and Cold Air
5. Water Management, Wastewater Management, - 1,401 - - -
Waste Management and Recycling, and Remediation
Review
Operational
Activities
6. Construction - 258,059 - - -
7. Wholesale and Retail Trade; Car and Motorcycle - - - - -
Repair and Maintenance
8. Transportation and Warehousing - 1,146,064 - - -
9. Provision of Accommodation and Provision of Food - - - - -
and Drink
10. Information and Communication - - - - -
11. Financial and Insurance Activities 2,746,773 150,000 - 12,928,698 -
12. Real Estate - - - - -
13. Professional, Scientific, and Technical Activities - - - - -
14. Leasing and Leasing Activities Without Option Rights, - - - - -
Employment, Travel Agents, and Other Business
Support
15. Government Administration, Defense, and - 182 - - -
Compulsory Social Security
16. Education - - - - -
17. Human Health Activities and Social Activities - - - - -
18. Art, Entertainment, and Leisure Activities - - - - -
19. Other Service Activities - - - - -
20. Household Activities as an Employer; Activities that - - - - -
Produce Goods and Services by Households Used to
Meet Their Own Needs
21. Activities of international bodies and other extra- - - - - -
international bodies
22. Household - 901 - 1,475 -
23. Not Other Business Fields - - - - -
24. Other 36,957,988 338,888 - 846,505 -
Total 39,704,761 1,921,863 - 13,776,678 -
*)
Restated
204 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 207
(in IDR million)
31 December 2024 *)
Receivables of
Receivables Credit for Land
Subordinated Receivables on
to Securities Loans Secured Loan Secured Acquisition, Employee/
Securities, Micro, Small Receivables on Past Due
Companies and by Residential by Commercial Land Pensioner Other Assets
Equity, and Business & Corporate Receivables
Other Financial Property Real Estate Processing and Loans
Other Capital Retail Portfolio
Institutions Construction
Instruments
h i j k l m n o p q
- - 63,774 1,755,252 - - 2,237,957 1,248,102 17,350 -
- - - 19,549 - - 208,995 146,884 8,881 -
- - 760,591 5,600,922 - - 893,404 24,750,952 75,942 -
- - 5,936 10,428 - - 70,879 1,616,245 563 -
- - 1,513 6,938 - - 88,345 1,821,100 446 -
Review
Operational
4,245 - 344,467 489,822 - - 240,986 1,849,084 2,850 -
28,071 - 3,454,151 11,506,856 - - 5,780,137 13,717,044 42,949 -
5,620 - 236,504 454,958 - - 966,687 414,758 11,238 -
- - 27,609 234,531 - - 243,756 68,148 863 -
20,347 - 72,980 91,033 - - 81,374 5,071,866 440 -
10,201,201 - 995 2,989 - - 62,961 2,773,453 14,469 -
- - 31,908 5,942,640 - - 155,429 3,778,613 486 -
- - 42,174 28,239 - - 277,483 28,615 792 -
7,893 - 116,402 276,203 - - 618,627 908,619 6,054 -
- - - - - - 585 5,148 57 -
- - 2,437 3,548 - - 93,424 5,095 180 -
- - 4,783 171,678 - - 74,298 24,430 158 -
- - - 1,285 - - 215,366 47 779 -
- - 3,368 3,134 - - 89,626 6,291 252 -
- - - - - - 10,583 274 10 -
- - - - - - - - - -
2,803 - 14,516,970 1,555,308 - - 26,311,065 101,236 281,747 -
- - 127,342 - - - 19,494 - 268 -
- 467,855 - - - - 27,663,720 12,411,735 209,206 8,207,258
10,270,180 467,855 19,813,904 28,155,313 - - 66,405,181 70,747,739 675,980 8,207,258
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 205
Page 208
TABLE 12. DISCLOSURE OF NET RECEIVABLES BASED ON REMAINING CONTRACT TERM
i. Bank only
No Portfolio Category
a b
1. Receivables on Sovereigns
2. Receivables on Public Sector Entities
3. Receivables on Multilateral Development Banks and International Institutions
Review
Operational
4. Receivables on Banks
5. Receivables Covered Bonds
6. Receivables to Securities Companies and Other Financial Institutions
7. Receivables of Subordinated Securities, Equity, and Other Capital Instruments
8. Loans Secured by Residential Property
9. Loan Secured by Commercial Real Estate
10. Credit for Land Acquisition, Land Processing, and Construction
11. Employee/Pensioner Loans
12. Receivables on Micro, Small Business, & Retail Portfolio
13. Receivables on Corporate
14. Past Due Receivables
15. Other Assets
Total
No Portfolio Category
a b
1. Receivables on Sovereigns
2. Receivables on Public Sector Entities
3. Receivables on Multilateral Development Banks and International Institutions
4. Receivables on Banks
5. Receivables Covered Bonds
6. Receivables to Securities Companies and Other Financial Institutions
7. Receivables of Subordinated Securities, Equity, and Other Capital Instruments
8. Loans Secured by Residential Property
9. Loan Secured by Commercial Real Estate
10. Credit for Land Acquisition, Land Processing, and Construction
11. Employee/Pensioner Loans
12. Receivables on Micro, Small Business, & Retail Portfolio
13. Receivables on Corporate
14. Past Due Receivables
15. Other Assets
Total
206 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 209
(in IDR million)
31 December 2025
Net Receivables by Remaining Contractual Maturity
year 1 ≤ year - 3 years 1 > years - 5 years 3 > years 5 > Non Contractual Total
c d e f g h
19,418,978 4,251,978 1,317,659 12,382,555 9,567,150 46,938,320
2,407,417 319,186 3,751 1,067,014 - 3,797,368
- - - - - -
Review
Operational
3,057,981 6,478,273 242,102 134,836 2,196,361 12,109,553
- - - - - -
2,017,243 3,723,036 4,165,350 471,746 1,066 10,378,441
52,469 - - - - 52,469
4,747,155 812,387 1,590,039 14,292,021 - 21,441,602
16,442,805 3,200,215 1,451,117 5,360,130 - 26,454,267
- - - - - -
- - - - - -
5,647,463 17,717,752 9,468,206 568,032 6 33,401,459
49,070,859 11,843,636 6,731,867 20,550,417 12,808 88,209,587
91,293 122,696 43,447 122,237 - 379,673
- - - - 7,952,592 7,952,592
102,953,663 48,469,159 25,013,538 54,948,988 19,729,983 251,115,331
(in IDR million)
31 December 2024
Net Receivables by Remaining Contractual Maturity
year 1 ≤ year - 3 years 1 > years - 5 years 3 > years 5 > Non Contractual Total
c d e f g h
14,680,544 5,341,112 917,296 10,303,494 8,449,786 39,692,232
572,906 201,415 925 1,146,098 - 1,921,344
- - - - - -
4,199,513 3,381,400 4,207,735 48,330 1,124,832 12,961,810
- - - - - -
2,991,826 3,288,723 3,602,297 619,763 - 10,502,609
79,813 - - - - 79,813
4,721,201 734,258 1,417,656 12,940,788 - 19,813,904
15,933,523 5,455,262 1,266,329 5,500,199 - 28,155,313
- - - - - -
- - - - - -
5,907,852 15,286,059 11,062,697 949,203 7 33,205,818
49,211,259 7,859,741 5,961,799 6,011,679 521 69,044,999
108,478 149,198 116,595 70,983 - 445,254
- - - - 6,830,200 6,830,200
98,406,915 41,697,166 28,553,330 37,590,538 16,405,346 222,653,296
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 207
Page 210
ii. Bank as Consolidated with Subsidiary
No Portfolio Category
a b
1. Receivables on Sovereigns
2. Receivables on Public Sector Entities
3. Receivables on Multilateral Development Banks and International Institutions
4. Receivables on Banks
Review
Operational
5. Receivables Covered Bonds
6. Receivables to Securities Companies and Other Financial Institutions
7. Receivables of Subordinated Securities, Equity, and Other Capital Instruments
8. Loans Secured by Residential Property
9. Loan Secured by Commercial Real Estate
10. Credit for Land Acquisition, Land Processing, and Construction
11. Employee/Pensioner Loans
12. Receivables on Micro, Small Business, & Retail Portfolio
13. Receivables on Corporate
14. Past Due Receivables
15. Other Assets
Total
No Portfolio Category
a b
1. Receivables on Sovereigns
2. Receivables on Public Sector Entities
3. Receivables on Multilateral Development Banks and International Institutions
4. Receivables on Banks
5. Receivables Covered Bonds
6. Receivables to Securities Companies and Other Financial Institutions
7. Receivables of Subordinated Securities, Equity, and Other Capital Instruments
8. Loans Secured by Residential Property
9. Loan Secured by Commercial Real Estate
10. Credit for Land Acquisition, Land Processing, and Construction
11. Employee/Pensioner Loans
12. Receivables on Micro, Small Business, & Retail Portfolio
13. Receivables on Corporate
14. Past Due Receivables
15. Other Assets
Total
*)
Restated
208 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 211
(in IDR million)
31 December 2025
Net Receivables by Remaining Contractual Maturity
year 1 ≤ year - 3 year 1 > year - 5 year 3 > year 5 > Non Contractual Total
c d e f g h
19,418,978 4,251,978 1,317,659 12,382,555 9,567,150 46,938,320
2,407,857 319,186 3,751 1,067,014 - 3,797,808
- - - - - -
3,263,882 6,478,273 242,102 134,836 2,196,361 12,315,454
Review
Operational
- - - - - -
927,524 3,723,036 4,165,350 471,746 1,066 9,288,722
37,316 - - - 420,718 458,034
4,747,155 812,387 1,590,039 14,292,021 - 21,441,602
16,442,805 3,200,215 1,451,117 5,360,130 - 26,454,267
- - - - - -
- - - - - -
39,771,360 17,717,752 9,468,206 568,032 6 67,525,356
51,168,830 11,843,636 6,731,867 20,550,417 12,808 90,307,558
280,589 122,696 43,447 122,237 - 568,969
- - - - 9,140,564 9,140,564
138,466,296 48,469,159 25,013,538 54,948,988 21,338,673 288,236,654
(in IDR million)
31 December 2024 *)
Net Receivables by Remaining Contractual Maturity
year 1 ≤ year - 3 year 1 > year - 5 year 3 > year 5 > Non Contractual Total
c d e f g h
14,680,544 5,341,112 917,296 10,303,494 8,462,315 39,704,761
573,425 201,415 925 1,146,098 - 1,921,863
- - - - - -
4,745,273 3,381,400 4,207,735 48,330 1,393,940 13,776,678
- - - - - -
2,709,397 3,288,723 3,602,297 619,763 50,000 10,270,180
70,985 - - - 396,870 467,855
4,721,201 734,258 1,417,657 12,940,788 - 19,813,904
15,933,523 5,455,262 1,266,329 5,500,199 - 28,155,313
- - - - - -
- - - - - -
34,957,827 19,309,662 11,187,766 949,203 723 66,405,181
50,914,000 7,859,740 5,961,799 6,011,679 521 70,747,739
329,518 158,777 116,701 70,985 - 675,980
- - - - 8,207,258 8,207,258
129,635,692 45,730,349 28,678,505 37,590,539 18,511,627 260,146,712
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 209
Page 212
TABLE 13. DISCLOSURE OF RECEIVABLES AND PROVISIONS BY REGION
i. Bank only
31 December 2025
Jakarta, Bogor,
No Description Tangerang,
Central Java and
Karawang, West Java
Yogyakarta
Bekasi, and
Lampung
a b c d e
1. Receivables 292,045,641 10,270,063 10,465,700
Review
Operational
2. Increased and impaired credit risk receivables (Stage 2 and Stage 3) 7,886,591 660,387 693,772
a. Non Past Due 6,280,688 341,063 365,273
b. Past Due 1,605,903 319,324 328,499
3. Allowance for Impairment Losses - Stage 1 1,280,174 90,240 72,084
4. Allowance for Impairment Losses - Stage 2 390,612 84,136 62,032
5. Allowance for Impairment Losses - Stage 3 3,273,273 305,023 463,810
6. Written-Off Receivables 1,549,722 251,839 233,894
31 December 2024 *)
Jakarta, Bogor,
No Description Tangerang,
Central Java and
Karawang, West Java
Yogyakarta
Bekasi, and
Lampung
a b c d e
1. Receivables 271,658,031 9,660,128 10,585,746
2. Increased and impaired credit risk receivables (Stage 2 and Stage 3) 8,584,960 831,849 657,104
a. Non Past Due 6,784,544 502,737 137,418
b. Past Due 1,800,416 329,112 519,686
3. Allowance for Impairment Losses - Stage 1 1,346,635 85,434 82,418
4. Allowance for Impairment Losses - Stage 2 484,284 117,077 48,052
5. Allowance for Impairment Losses - Stage 3 3,252,565 356,579 489,106
6. Written-Off Receivables 1,748,721 348,458 250,753
*)
Restated
210 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 213
(in IDR million)
Region
Sulawesi,
Bali, NTT, and
East Java Maluku, and Kalimantan North Sumatra South Sumatra Total
NTB
Papua
f g h i j k l
12,291,638 2,712,649 7,258,271 6,562,442 15,693,263 4,533,421 361,833,088
Review
Operational
295,280 182,643 419,316 616,793 132,776 146,429 11,033,987
164,642 121,357 261,004 128,101 99,717 66,542 7,828,387
130,638 61,286 158,312 488,692 33,059 79,887 3,205,600
113,609 11,374 99,292 60,665 197,282 28,659 1,953,379
71,126 27,672 39,239 18,439 46,390 11,726 751,372
413,128 27,314 113,080 75,922 163,473 78,306 4,913,329
248,474 9,918 180,898 190,135 472,784 13,157 3,150,821
(in IDR million)
Region
Sulawesi,
Bali, NTT, and
East Java Maluku, and Kalimantan North Sumatra South Sumatra Total
NTB
Papua
f g h i j k l
11,386,864 2,340,677 7,147,245 5,894,016 15,832,630 4,574,114 339,079,451
550,016 194,869 417,424 288,599 573,420 83,032 12,181,273
291,073 144,690 297,688 161,286 328,778 38,261 8,686,475
258,943 50,179 119,736 127,313 244,642 44,771 3,494,798
129,197 11,058 110,100 67,444 218,754 26,432 2,077,472
101,773 26,747 51,973 40,576 45,262 11,524 927,268
245,279 42,369 94,332 122,387 255,310 38,136 4,896,063
320,312 26,147 218,309 156,414 467,231 5,865 3,542,210
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 211
Page 214
ii. Bank as Consolidated with Subsidiary
31 December 2025
Jakarta, Bogor,
No Description Tangerang,
Central Java and
Karawang, West Java
Yogyakarta
Bekasi, and
Lampung
a b c d e
1. Receivables 301,317,168 12,591,974 13,148,574
2. Increased and impaired credit risk receivables (Stage 2 and Stage 3) 8,216,121 791,819 811,081
a. Non Past Due 6,457,282 409,949 429,878
Review
Operational
b. Past Due 1,758,839 381,870 381,203
3. Allowance for Impairment Losses - Stage 1 1,564,456 176,640 157,808
4. Allowance for Impairment Losses - Stage 2 418,956 97,411 72,681
5. Allowance for Impairment Losses - Stage 3 3,389,817 351,639 500,935
6. Written-Off Receivables 2,149,272 532,469 428,954
31 December 2024 *)
Jakarta, Bogor,
No Description Tangerang,
Central Java and
Karawang, West Java
Yogyakarta
Bekasi, and
Lampung
a b c d e
1. Receivables 282,611,161 12,226,863 13,050,400
2. Increased and impaired credit risk receivables (Stage 2 and Stage 3) 8,974,974 1,041,998 816,435
a. Non Past Due 7,001,448 630,107 238,596
b. Past Due 1,973,526 411,891 577,839
3. Allowance for Impairment Losses - Stage 1 1,627,256 180,743 167,356
4. Allowance for Impairment Losses - Stage 2 528,415 142,956 67,945
5. Allowance for Impairment Losses - Stage 3 3,377,490 419,024 530,507
6. Written-Off Receivables 2,377,041 568,929 440,254
*)
Restated
212 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 215
(in IDR million)
Region
Sulawesi,
Bali, NTT, and
East Java Maluku, and Kalimantan North Sumatra South Sumatra Total
NTB
Papua
f g h i j k l
16,701,133 2,712,649 15,141,125 9,515,298 23,573,985 4,533,422 399,235,328
432,700 182,643 787,868 745,448 711,770 146,430 12,825,880
235,748 121,357 473,454 200,705 532,668 66,541 8,927,582
Review
Operational
196,952 61,286 314,414 544,743 179,102 79,889 3,898,298
248,847 11,374 380,291 166,850 485,829 28,660 3,220,755
84,217 27,672 79,168 32,155 125,534 11,728 949,522
461,989 27,314 231,223 122,050 269,349 78,307 5,432,623
525,561 9,918 762,263 424,067 962,194 13,157 5,807,855
(in IDR million)
Region
Sulawesi,
Bali, NTT, and
East Java Maluku, and Kalimantan North Sumatra South Sumatra Total
NTB
Papua
f g h i j k l
15,615,566 2,340,677 14,783,825 8,730,903 22,827,202 4,574,114 376,760,711
731,213 194,869 850,733 440,328 954,725 83,032 14,088,307
394,672 144,690 582,375 257,026 570,379 38,261 9,857,554
336,541 50,179 268,358 183,302 384,346 44,771 4,230,753
268,749 11,058 377,068 176,866 471,242 26,432 3,306,770
122,450 26,747 96,998 58,708 90,635 11,524 1,146,378
298,169 42,369 211,372 167,648 356,537 38,136 5,441,252
596,319 26,147 514,997 332,861 941,095 5,865 5,803,508
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 213
Page 216
TABLE 14. DISCLOSURE OF RECEIVABLES AND PROVISIONS BY ECONOMIC SECTOR
i. Bank only
31 December 2025
No Economic Sectors
a b
1. Agriculture, Forestry, and Fisheries
2. Mining and Quarrying
Review
Operational
3. Processing Industries
4. Procurement of Electricity, Gas, Steam/Hot Water, and Cold Air
5. Water Management, Wastewater Management, Waste Management and Recycling, and Remediation Activities
6. Construction
7. Wholesale and Retail Trade; Car and Motorcycle Repair and Maintenance
8. Transportation and Warehousing
9. Provision of Accommodation and Provision of Food and Drink
10. Information and Communication
11. Financial and Insurance Activities
12. Real Estate
13. Professional, Scientific, and Technical Activities
14. Leasing and Leasing Activities Without Option Rights, Employment, Travel Agents, and Other Business Support
15. Government Administration, Defense, and Compulsory Social Security
16. Education
17. Human Health Activities and Social Activities
18. Art, Entertainment, and Leisure Activities
19. Other Service Activities
20. Household Activities as an Employer; Activities that Produce Goods and Services by Households Used to Meet Their Own Needs
21. Activities of International Bodies and Other Extra-International Bodies
22. Household
23. Not Other Business Fields
24. Other
Total
214 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 217
(in IDR million)
Impaired Receivables
Written-Off
Receivables CKPN Stage 1 CKPN Stage 2 CKPN Stage 3
Receivables
Non Past Due Past Due
c d e f g h i
11,387,093 204,724 19,477 56,796 4,223 65,904 123,377
1,723,787 5,218 137,729 5,746 466 131,009 18,340
Review
Operational
53,912,217 3,110,418 673,069 189,722 123,410 1,666,070 134,563
6,502,003 1,321 1,185 15,679 194 1,341 3,624
1,930,008 2,954 946 6,166 428 1,105 6,267
14,152,509 135,081 321,903 68,180 22,774 327,365 55,266
60,890,325 1,698,109 899,906 318,369 291,002 1,361,540 764,596
4,059,824 1,271,917 44,283 34,576 8,092 179,197 84,496
1,073,211 158,376 15,047 10,782 13,308 108,142 14,030
9,036,147 16,944 29,329 22,186 6,213 26,749 24,851
46,833,680 430 5,083 57,388 65 5,082 15,455
12,918,224 585 92,370 23,172 149 92,123 3,264
2,144,137 10,095 20,677 11,803 9,708 12,949 2,114
3,213,439 35,921 13,080 21,470 2,576 12,079 58,538
1,181 13 - 34 0 - 135
77,006 65 1,834 364 10 1,829 153
1,067,347 512 171 1,519 72 209 938
14,851 94 26 164 19 26 406
73,837 1,326 3,096 1,417 83 3,024 2,355
14,985 198 200 575 49 168 811
- - - - - - -
53,423,397 817,915 924,374 1,067,707 265,236 809,500 194,402
110,591 2,472 1,818 487 606 1,695 1,604,286
77,273,287 353,699 - 39,077 2,689 106,223 38,554
361,833,088 7,828,387 3,205,600 1,953,380 751,372 4,913,329 3,150,821
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 215
Page 218
31 December 2024 *)
No Economic Sectors
a b
1. Agriculture, Forestry, and Fisheries
2. Mining and Quarrying
3. Processing Industries
4. Procurement of Electricity, Gas, Steam/Hot Water, and Cold Air
5. Water Management, Wastewater Management, Waste Management and Recycling, and Remediation Activities
6. Construction
Review
Operational
7. Wholesale and Retail Trade; Car and Motorcycle Repair and Maintenance
8. Transportation and Warehousing
9. Provision of Accommodation and Provision of Food and Drink
10. Information and Communication
11. Financial and Insurance Activities
12. Real Estate
13. Professional, Scientific, and Technical Activities
14. Leasing and Leasing Activities Without Option Rights, Employment, Travel Agents, and Other Business Support
15. Government Administration, Defense, and Compulsory Social Security
16. Education
17. Human Health Activities and Social Activities
18. Art, Entertainment, and Leisure Activities
19. Other Service Activities
20. Household Activities as an Employer; Activities that Produce Goods and Services by Households Used to Meet Their Own Needs
21. Activities of International Bodies and Other Extra-International Bodies
22. Household
23. Not Other Business Fields
24. Other
Total
*)
Restated
216 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 219
(in IDR million)
Impaired Receivables
Written-Off
Receivables CKPN Stage 1 CKPN Stage 2 CKPN Stage 3
Receivables
Non Past Due Past Due
c d e f g h i
6,937,352 223,811 26,022 66,186 6,683 71,269 168,411
560,489 6,163 161,589 5,789 837 155,227 75,208
58,452,832 3,422,866 726,560 220,914 139,553 1,665,050 214,854
2,801,213 1,480 1,560 6,985 227 1,404 3,897
2,999,535 4,947 1,664 18,305 879 1,248 8,173
8,372,021 122,318 363,884 33,944 57,102 338,170 134,699
Review
Operational
58,027,591 1,605,875 1,180,058 368,135 304,211 1,354,967 895,189
4,130,861 1,379,314 47,697 36,148 11,004 180,812 91,312
805,772 214,514 24,293 7,217 16,654 121,539 14,828
9,531,778 12,785 67,702 32,480 30,005 40,110 7,507
48,437,354 7,215 223 70,335 5,607 512 2,921
12,598,007 772 2,319 35,705 401 2,160 2,136
180,818 10,927 7,247 1,161 6,633 1,584 5,286
2,804,085 51,418 25,444 25,318 13,470 22,889 75,405
6,052 - 135 25 - 79 620
22,630 99 2,021 228 8 1,992 124
1,010,478 652 248 1,108 88 217 1,146
8,292 77 183 160 13 97 356
70,421 3,450 2,359 1,144 246 2,254 2,833
11,813 234 917 352 38 907 1,063
- - - - - - -
54,089,156 1,098,479 850,323 1,078,962 330,510 716,859 163,889
149,844 3,593 2,050 1,482 1,819 920 1,669,704
67,071,057 515,486 300 65,389 1,280 215,797 2,649
339,079,451 8,686,475 3,494,798 2,077,472 927,268 4,896,063 3,542,210
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 217
Page 220
ii. Bank as Consolidated with Subsidiary
31 December 2025
No Economic Sectors
a b
1. Agriculture, Forestry, and Fisheries
2. Mining and Quarrying
3. Processing Industries
4. Procurement of Electricity, Gas, Steam/Hot Water, and Cold Air
5. Water Management, Wastewater Management, Waste Management and Recycling, and Remediation Activities
Review
Operational
6. Construction
7. Wholesale and Retail Trade; Car and Motorcycle Repair and Maintenance
8. Transportation and Warehousing
9. Provision of Accommodation and Provision of Food and Drink
10. Information and Communication
11. Financial and Insurance Activities
12. Real Estate
13. Professional, Scientific, and Technical Activities
14. Leasing and Leasing Activities Without Option Rights, Employment, Travel Agents, and Other Business Support
15. Government Administration, Defense, and Compulsory Social Security
16. Education
17. Human Health Activities and Social Activities
18. Art, Entertainment, and Leisure Activities
19. Other Service Activities
20. Household Activities as an Employer; Activities that Produce Goods and Services by Households Used to Meet Their Own Needs
21. Activities of International Bodies and Other Extra-International Bodies
22. Household
23. Not Other Business Fields
24. Other
Total
218 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 221
(in IDR million)
Impaired Receivables
Written-Off
Receivables CKPN Stage 1 CKPN Stage 2 CKPN Stage 3
Receivables
Non Past Due Past Due
c d e f g h i
14,268,273 323,223 73,096 145,512 32,866 111,562 329,389
2,839,557 41,476 153,135 50,602 5,543 144,603 54,718
54,676,299 3,140,785 688,861 211,598 130,317 1,678,964 205,283
6,584,528 2,119 1,592 17,861 292 1,696 5,788
2,005,158 4,678 2,010 8,372 725 1,864 10,299
Review
Operational
14,588,225 159,368 326,477 77,934 25,037 331,055 102,160
65,935,447 1,904,591 1,008,099 468,113 338,323 1,449,516 1,115,939
5,546,662 1,317,727 74,766 70,952 15,383 200,506 170,166
1,317,087 165,902 20,863 19,215 15,083 112,862 32,442
9,174,629 22,124 32,372 25,804 7,300 29,464 34,748
46,177,366 3,774 7,720 59,896 807 7,481 21,684
13,154,456 9,327 101,232 30,763 2,347 99,325 17,012
2,608,200 36,683 36,812 26,371 16,472 26,844 15,770
3,859,382 54,711 21,996 38,967 4,786 19,159 92,102
2,356 15 - 54 1 - 156
275,494 9,231 6,126 6,211 2,221 5,620 17,676
1,207,781 6,628 3,279 5,804 1,650 2,815 14,876
477,729 23,708 15,372 14,952 6,145 13,413 42,568
302,347 15,917 12,452 14,132 3,121 9,076 103,274
31,304 400 447 1,174 99 348 5,247
- - - - - - -
73,416,066 1,329,024 1,309,770 1,886,864 337,708 1,078,525 1,773,716
112,042 2,472 1,821 527 606 1,699 1,604,289
80,674,940 353,699 - 39,077 2,690 106,226 38,553
399,235,328 8,927,582 3,898,298 3,220,755 949,522 5,432,623 5,807,855
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 219
Page 222
31 December 2024 *)
No Economic Sectors
a b
1. Agriculture, Forestry, and Fisheries
2. Mining and Quarrying
3. Processing Industries
4. Procurement of Electricity, Gas, Steam/Hot Water, and Cold Air
5. Water Management, Wastewater Management, Waste Management and Recycling, and Remediation Activities
6. Construction
7. Wholesale and Retail Trade; Car and Motorcycle Repair and Maintenance
Review
Operational
8. Transportation and Warehousing
9. Provision of Accommodation and Provision of Food and Drink
10. Information and Communication
11. Financial and Insurance Activities
12. Real Estate
13. Professional, Scientific, and Technical Activities
14. Leasing and Leasing Activities Without Option Rights, Employment, Travel Agents, and Other Business Support
15. Government Administration, Defense, and Compulsory Social Security
16. Education
17. Human Health Activities and Social Activities
18. Art, Entertainment, and Leisure Activities
19. Other Service Activities
20. Household Activities as an Employer; Activities that Produce Goods and Services by Households Used to Meet Their Own Needs
21. Activities of International Bodies and Other Extra-International Bodies
22. Household
23. Not Other Business Fields
24. Other
Total
*)
Restated
220 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 223
(in IDR million)
Impaired Receivables
Written-Off
Receivables CKPN Stage 1 CKPN Stage 2 CKPN Stage 3
Receivables
Non Past Due Past Due
c d e f g h i
8,998,359 292,493 62,956 123,390 19,530 102,613 296,137
1,487,780 20,347 168,703 25,938 2,640 160,280 120,512
59,067,357 3,445,975 737,835 237,865 143,851 1,674,275 243,409
2,871,625 3,456 2,208 8,891 616 1,881 6,169
3,062,884 7,839 2,651 20,568 1,408 2,023 12,665
8,701,271 136,583 372,033 43,162 59,032 343,947 149,773
61,830,610 1,757,080 1,269,736 478,750 331,855 1,429,184 1,104,664
Review
Operational
5,205,361 1,437,784 61,704 65,645 22,444 192,113 140,338
1,012,042 221,440 28,821 14,102 18,076 125,429 31,745
9,606,772 15,010 69,220 34,395 30,399 41,565 8,880
49,138,411 9,459 1,918 72,519 5,988 2,342 4,939
12,755,654 6,608 5,997 39,884 1,515 5,784 5,075
438,628 22,048 14,539 8,137 9,005 9,100 6,958
3,527,897 77,695 36,065 42,640 18,223 29,486 125,633
6,923 - 157 40 - 91 1,097
122,500 2,727 3,447 2,450 469 3,574 389
1,092,427 3,246 3,384 3,293 624 3,068 2,314
232,020 9,200 6,433 5,937 1,976 6,306 604
174,700 7,312 4,396 3,780 991 4,333 5,937
25,444 676 1,269 842 144 1,225 2,165
- - - - - - -
75,662,814 1,861,489 1,374,931 2,007,617 474,494 1,085,912 163,889
151,849 3,600 2,050 1,534 1,819 920 3,367,568
71,587,383 515,487 300 65,391 1,279 215,801 2,648
376,760,711 9,857,554 4,230,753 3,306,770 1,146,378 5,441,252 5,803,508
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 221
Page 224
TABLE 15. DISCLOSURE OF DETAILED MOVEMENTS OF IMPAIRMENT LOSSES PROVISION
i. Bank only
No Types of Exposure
a b
1. Credits included in Overdue Bills
2. Securities included in Overdue Bills
Review
Operational
Total
ii. Bank as Consolidated with Subsidiary
No Types of Exposure
a b
1. Credits included in Overdue Bills
2. Securities included in Overdue Bills
Total
*)
Restated
ADDITIONAL DISCLOSURES RELATED TO THE TREATMENT OF NON-PERFORMING ASSETS
(CRB-A)
The definition and criteria of performing assets (assets with current and special mention quality)
and non-performing assets (assets with substandard, doubtful, and loss quality) refer to POJK No. 40/
POJK.03/2019 concerning Asset Quality Assessment of Commercial Banks.
The definition and criteria of past due receivables referring to the criteria as stated in SEOJK No. 24/
SEOJK.03/2021 concerning Risk-Weighted Assets Calculation for Credit Risk using the Standardized
Approach for Commercial Banks.
222 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 225
(in IDR million)
31 December 2025 31 December 2024
Receivable Based on Deliquency Receivable Based on Deliquency
days to 90 > days to 120 > days to 90 > days to 120 >
days 180 > Total days 180 > Total
120 days 180 days 120 days 180 days
c d e f g h i j
1,315,127 537,028 1,586,785 3,438,940 1,461,493 557,708 1,712,502 3,731,703
- - - - - - - -
Review
Operational
1,315,127 537,028 1,586,785 3,438,940 1,461,493 557,708 1,712,502 3,731,703
(in IDR million)
31 December 2025 31 December 2024 *)
Receivable Based on Deliquency Receivable Based on Deliquency
days to 90 > days to 120 > days to 90 > days to 120 >
days 180 > Total days 180 > Total
120 days 180 days 120 days 180 days
c d e f g h i j
1,665,771 878,888 1,587,034 4,131,693 1,874,391 878,462 1,714,939 4,467,792
- - - - - - - -
1,665,771 878,888 1,587,034 4,131,693 1,874,391 878,462 1,714,939 4,467,792
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 223
Page 226
TABLE 16. DISCLOSURE OF PERFORMING AND NON-PERFORMING ASSETS (CRB-A)
i. Bank only
31 December 2025
Performing (Current and Special
Mention Quality)
No Descriptions
Allowance for
Gross Carrying Value
Impairment Losses
a b
1. Securities 38,598,321 107,188
Review
Operational
2. Credit 103,748,585 3,393,517
a. Corporation 72,064,311 2,176,713
b. Retail 31,684,273 1,216,804
3. Administrative Account Transactions 114,041,473 123,420
31 December 2024 *)
Performing (Current and Special
Mention Quality)
No Descriptions
Allowance for
Gross Carrying Value
Impairment Losses
a b
1. Securities 28,556,800 225,130
2. Credit 84,045,493 3,289,817
a. Corporation 52,489,026 1,995,506
b. Retail 31,556,467 1,294,311
3. Administrative Account Transactions 119,051,655 152,802
*)
Restated
ii. Bank as Consolidated with Subsidiary
31 December 2025
Performing (Current and Special
Mention Quality)
No Descriptions
Allowance for
Gross Carrying Value
Impairment Losses
a b
1. Securities 38,523,489 107,188
2. Credit 140,184,304 4,874,756
a. Corporation 74,166,408 2,243,436
b. Retail 66,017,896 2,631,321
3. Administrative Account Transactions 114,041,473 123,420
224 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 227
(in IDR million)
Non Performing
(Substandard, Doubtful, and Loss Quality)
Unimpaired Loss Receivables
Impaired Loss Receivables
Day Past Due > 90 days Day Past Due ≤ 90 days
Gross Carrying Allowance for Gross Carrying Allowance for Gross Carrying Allowance for
Value Impairment Losses Value Impairment Losses Value Impairment Losses
c d e f g h
- - - - - -
Review
Operational
1,030,730 966,706 169,461 58,980 8,780 6,064
466,513 465,426 41,814 31,018 5,423 2,712
564,218 501,280 127,646 27,962 3,357 3,352
50 38 - - - -
(in IDR million)
Non Performing
(Substandard, Doubtful, and Loss Quality)
Unimpaired Loss Receivables
Impaired Loss Receivables
Day Past Due > 90 days Day Past Due ≤ 90 days
Gross Carrying Allowance for Gross Carrying Allowance for Gross Carrying Allowance for
Value Impairment Losses Value Impairment Losses Value Impairment Losses
c d e f g h
- - - - - -
1,287,572 1,169,909 207,379 61,925 4,894 4,888
609,028 608,625 57,812 31,920 - -
678,544 561,284 149,567 30,005 4,894 4,888
300 233 - - - -
(in IDR million)
Non Performing
(Substandard, Doubtful, and Loss Quality)
Unimpaired Loss Receivables
Impaired Loss Receivables
Day Past Due > 90 days Day Past Due ≤ 90 days
Gross Carrying Allowance for Gross Carrying Allowance for Gross Carrying Allowance for
Value Impairment Losses Value Impairment Losses Value Impairment Losses
c d e f g h
- - - - - -
1,030,730 966,706 169,461 58,980 8,833 6,096
466,513 465,426 41,814 31,018 5,423 2,712
564,218 501,280 127,646 27,962 3,410 3,385
50 38 - - - -
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 225
Page 228
31 December 2024 *)
Performing (Current and Special
Mention Quality)
No Descriptions
Allowance for
Gross Carrying Value
Impairment Losses
a b
1. Securities 28,487,832 225,130
2. Credit 119,129,502 4,776,904
a. Corporation 54,197,544 2,035,062
b. Retail 64,931,959 2,741,842
3. Administrative Account Transactions 119,051,655 152,801
Review
Operational
*)
Restated
TABLE 17. DISCLOSURE OF RESTRUCTURED ASSETS - PERFORMING AND NON-PERFORMING
i. Bank only
31 December 2025
Performing (Current and Special Non Performing (Substandard,
)Mention Quality Doubtful, and Loss Quality)
Allowance for Allowance for
No Description Gross Carrying Gross Carrying
Impairment Impairment
Value Value
Losses Losses
a b c d
1. Securities - - - -
2. Credit 1,003,055 527,868 480,458 453,684
a. Corporation 519,313 430,018 414,180 400,926
b. Retail 483,741 97,851 66,278 52,758
3. Administrative Account Transactions 143,732 306 - -
ii. Bank as Consolidated with Subsidiary
31 December 2025
Performing (Current and Special Non Performing (Substandard,
)Mention Quality Doubtful, and Loss Quality)
No Description Gross Carrying Allowance for Gross Carrying Allowance for
Value Impairment Losses Value Impairment Losses
a b c d
1. Securities - - - -
2. Credit 1,389,131 581,877 521,856 481,829
a. Corporation 559,431 433,400 415,867 402,599
b. Retail 829,700 148,477 105,989 79,230
3. Administrative Account Transactions 143,732 306 - -
226 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 229
(in IDR million)
Non Performing
(Substandard, Doubtful, and Loss Quality)
Unimpaired Loss Receivables
Impaired Loss Receivables
Day Past Due > 90 days Day Past Due ≤ 90 days
Gross Carrying Allowance for Gross Carrying Allowance for Gross Carrying Allowance for
Value Impairment Losses Value Impairment Losses Value Impairment Losses
c d e f g h
- - - - - -
2,,023,529 1,676,277 207,379 61,925 5,026 5,004
611,596 610,244 57,812 31,920 - -
1,411,933 1,066,033 149,567 30,005 5,026 5,004
300 233 - - - -
Review
Operational
(in IDR million)
Stage 1 Stage 2 Stage 3
Gross Carrying Allowance for Gross Carrying Allowance for Gross Carrying Allowance for
Value Impairment Losses Value Impairment Losses Value Impairment Losses
e f g h i j
- - - - - -
1,107,264 819,730 249,017 36,093 127,232 125,729
730,312 702,752 78,232 3,241 124,950 124,950
376,952 116,978 170,785 32,851 2,282 779
43,910 - 99,816 306 6 -
(in IDR million)
Stage 1 Stage 2 Stage 3
Gross Carrying Allowance for Gross Carrying Allowance for Gross Carrying Allowance for
Value Impairment Losses Value Impairment Losses Value Impairment Losses
e f g h i j
- - - - - -
1,190,549 825,253 550,043 83,942 170,395 154,511
730,987 702,836 117,675 6,540 126,636 126,623
459,562 122,417 432,369 77,402 43,759 27,888
43,910 - 99,816 306 6 -
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 227
Page 230
f. Credit Risk Mitigation Disclosure Collateral valuation should be done in the
Danamon has determined the collateral credit initiation process. The revaluation is
as one of credit-risk mitigation. However, conducted at certain periods in accordance
Danamon does not take collateral as the only with the collateral requirements as PPKA
consideration of credit decision-making, nor (Penyisihan Penilaian Kualitas Aset)
does it consider it as the main source of loan deductions. For collateral as a PPKA deduction,
repayment. Here are some of the purposes of the collateral valuation for credit facilities of
credit risk mitigation: more than Rp10 billion should be conducted by
• To limit the risk of losses when the debtor an independent external appraiser with good
cannot meet their obligations to Danamon. qualifications, who is certified and does not
• To protect from unexpected risks and have any relationship with the debtor. External
inherent risk to credit exposure in the appraisers should be appointed by Danamon.
future.
Review
Operational
The collateral valuation can be conducted by
Acceptable collateral, according to Danamon’s internal appraisers. Danamon ensures that the
collateral policy, are as follows: appraisers have the knowledge, education,
a. Cash collaterals, i.e. time deposit, saving and experience of collateral valuation and
account, current account, margin deposit appraisers do not have any relationships with
in Danamon, securities of Indonesian the debtors. The assessment results should
government and Bank Indonesia, be properly documented in the Credit file.
placement with Bank Indonesia and
Indonesian government, guarantee from For Personal Guarantee, Danamon must obtain
Indonesian government and/or Standby LC information regarding the asset that becomes
from prime bank. the guarantee and personal statement from
b. Receivables. the guarantor.
c. Inventories.
d. Machines and inventories of office For Corporate Guarantee, Danamon obtain
equipment. and conducts an analysis of the guarantors’
e. Leasehold of shop. financial statement to determine the credit
f. Motor vehicles. rating of the guarantors.
g. Ships with weight less than 20 m3.
h. Listed or unlisted shares in the Stock Danamon has determined 4 industrial sector
Exchange (due to expansion or acquisition), categories based on each respective risk
in accordance with BI/OJK regulation. level, namely high risk restricted, high risk,
i. Fixed assets, i.e. land, building, aircraft, medium risk, and low risk. Danamon also
vessels with gross content of 20 m3 or determines the maximum threshold of
more and apartments which are pledged in industries that are classified as high risk
accordance with the prevailing regulation. restricted and high risk. In regard to this,
j. Guarantee, i.e. Personal Guarantee and/or Danamon conducts periodic monitoring to
Corporate Guarantee. ensure the level of exposure for each industry
is still within Danamon’s appetite.
228 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 231
Credit Risk Mitigation Methods for Standardized Approach
To calculate credit risk mitigation as an RWA deduction (Credit Risk), Danamon uses the MRK (Credit
Risk Mitigation) collateral. The types of financial collateral recognized are those in accordance with
regulations, i.e. cash, savings, current accounts, savings deposits, security deposits, gold, and
securities with certain criteria as per the OJK/BI.
For reverse repo transactions, collateral in the form of securities underlying the reverse repo
transactions and/or cash is calculated as a form of credit risk mitigation on reverse repo transactions.
The following are the disclosures of credit risk after calculating the impact of credit risk mitigation.
TABLE 18. QUANTITATIVE DISCLOSURES RELATED TO CRM TECHNIQUES (CR3)
Review
Operational
i. Bank only
31 December 2025 (in IDR million)
Total Total Total Total Total
Receivables Receivables Receivables Receivables Receivables
No Description
Not Guaranteed Guaranteed Guaranteed Guaranteed Secured Credit
CRM Technique CRM Technique Collateral Warranty Derivatives
a b c d e
1. Loan 162,385,805 5,008,345 - -
2. Marketable Securities 33,748,726 - - -
3. Total 196,134,531 5,008,345 - -
4. Past Due Loans and 290,759 - - -
Marketable Securities
ii. Bank as Consolidated with Subsidiary
31 December 2025 (in IDR million)
Total Total Total Total Total
Receivables Receivables Receivables Receivables Receivables
No Description
Not Guaranteed Guaranteed Guaranteed Guaranteed Secured Credit
CRM Technique CRM Technique Collateral Warranty Derivatives
a b c d e
1. Loan 196,513,159 5,008,345 - -
2. Marketable Securities 33,679,026 - - -
3. Total 230,192,185 5,008,345 - -
4. Past Due Loans and 480,022 - - -
Marketable Securities
iii. Additional Disclosures
Danamon applies collateral CRM Techniques with a simple approach in accordance with SEOJK No. 24/
SEOJK.03/2021.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 229
Page 232
g. Usage of External Credit Rating (CRD)
In calculating RWA for Credit Risk, Danamon using ratings on exposure of securities. The portfolio
categories that use ratings until 31 December 2025, including:
• Exposures to Government
• Exposures to Bank
• Exposures to Securities Company and Other Financial Institutions
• Exposures to Public Sector Entities
• Exposures to Corporate
In calculating RWA for Credit Risk, Danamon using ratings published by Rating Agencies acknowledged
by the OJK. Under SEOJK No. 37/SEOJK.03/2016 concerning Rating Agencies and Rating
acknowledged by the OJK, namely Fitch Rating International, Moody’s Investor Service,
PT Fitch Ratings Indonesia, and PT Pemeringkat Efek Indonesia.
Review
Operational
TABLE 19. DISCLOSURE OF CREDIT RISK EXPOSURE AND IMPACT OF CRM TECHNIQUES (CR4)
i. Bank only
31 December 2025
No Portfolio Categories
1. Receivables on Sovereigns
2. Receivables on Public Sector Entities
3. Receivables on Multilateral Development Banks and International Institutions
4. Receivables on Banks
Receivables to Securities Companies and Other Financial Institutions1)
5. Receivables Covered Bonds
6. Receivables on Corporate - General Corporation Exposure2)
Receivables to Securities Companies and Other Financial Institutions3)
Special Financing Exposure4)
7. Receivables of Subordinated Securities, Equity, and Other Capital Instruments
8. Receivables on Micro, Small Business, & Retail Portfolio
9. Loans Secured by Property
Residential Property Backed Credit whose Payment Is Not Materially Dependent on Property Cash Flow
Residential Property-Backed Loans whose Payment Depends Materially on Property Cash Flow
Commercial Property Backed Loans whose Payments Are Not Material Dependent on Property Cash Flow
Commercial Property Backed Loans whose Payments Depend Materially on Property Cash Flow
Land Procurement, Tillage, and/or Construction Credit
10. Past Due Receivables
11. Other Assets
Total
230 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 233
Review
Operational
(in IDR million)
Net Receivables Before the Application Net Receivables After the application
RWA and Average Risk Weighting
of CCF and CRM Techniques of CCF and CRM Techniques
Administrative Administrative
Statement of Statement of Risk Weighting
Account Account RWA
Financial Position Financial Position Percentage
Transactions Transactions
a b c d e f
47,248,047 1,358,125 47,248,047 183,250 - -
3,153,456 4,239,081 3,150,316 643,913 1,796,401 47.35%
- - - - - -
14,049,201 5,264,232 13,588,977 981,952 4,945,235 33.94%
9,445,155 9,563,090 9,441,449 1,132,222 4,201,923 39.74%
- - - - - -
74,071,409 68,464,130 70,443,248 13,727,390 83,121,144 98.75%
-
- - - - - -
52,469 - 52,469 - 101,173 192.82%
31,697,510 11,876,258 30,897,375 1,603,383 24,258,894 74.64%
21,258,741 1,823,677 21,246,976 178,955 12,940,389 60.40%
- - - - - -
24,853,044 11,374,269 24,751,830 1,301,111 22,646,311 86.92%
290,998 44,115 290,998 4,412 310,089 104.97%
- - - - - -
376,572 30,880 376,572 3,099 451,495 118.92%
7,952,591 - 7,952,591 - 5,157,153 64.85%
234,449,193 114,037,857 229,440,848 19,759,687 159,930,207
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 231
Page 234
ii. Bank as Consolidated with Subsidiary
31 December 2025
No Portfolio Categories
1. Receivables on Sovereigns
2. Receivables on Public Sector Entities
3. Receivables on Multilateral Development Banks and International Institutions
Review
Operational
4. Receivables on Banks
Receivables to Securities Companies and Other Financial Institutions1)
5. Receivables Covered Bonds
6. Receivables on Corporate - General Corporation Exposure2)
Receivables to Securities Companies and Other Financial Institutions3)
Special Financing Exposure4)
7. Receivables of Subordinated Securities, Equity, and Other Capital Instruments
8. Receivables on Micro, Small Business, & Retail Portfolio
9. Loans Secured by Property
Residential Property Backed Credit whose Payment Is Not Materially Dependent on Property Cash Flow
Residential Property-Backed Loans whose Payment Depends Materially on Property Cash Flow
Commercial Property Backed Loans whose Payments Are Not Material Dependent on Property Cash Flow
Commercial Property Backed Loans whose Payments Depend Materially on Property Cash Flow
Land Procurement, Tillage, and/or Construction Credit
10. Past Due Receivables
11. Other Assets
Total
1)
Represents receivables which included in the scope of the portfolio category of receivables to securities companies and other financial
service institutions as stipulated in Appendix A of SEOJK No. 24/SEOJK.03/2021.
2)
Represents receivables which included in the scope of the portfolio category of receivables to corporations - general corporate
exposures as stipulated in Appendix A of SEOJK No. 24/SEOJK.03/2021 (excluding number 3) and number 4)).
3)
Represents receivables from securities companies and other financial service institutions that are not categorized as portfolio as
shown in point number 1).
4)
Represents receivables which included in the scope of the category of receivables to corporations - special financing exposures
(with and without rating) as stipulated in Appendix A of SEOJK No. 24/SEOJK.03/2021.
iii. Additional Disclosures
Danamon applies collateral CRM Techniques with simple approach in accordance with SEOJK No. 24/
SEOJK.03/2021.
232 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 235
(in IDR million)
Net Receivables Before the Application Net Receivables After the application
RWA and Average Risk Weighting
of CCF and CRM Techniques of CCF and CRM Techniques
Administrative Administrative
Statement of Statement of Risk Weighting
Account Account RWA
Financial Position Financial Position Percentage
Transactions Transactions
a b c d e f
47,248,047 1,358,125 47,248,047 183,250 - -
3,153,895 4,239,081 3,150,756 643,913 1,796,621 47.35%
- - - - - -
Review
Operational
14,535,038 5,264,232 14,074,814 981,952 5,098,934 33.86%
8,355,436 9,563,090 8,351,731 1,132,222 3,780,191 39.86%
- - - - - -
76,169,380 68,464,130 72,541,219 13,727,390 84,908,829 98.42%
-
- - - - - -
458,034 - 458,034 - 1,115,084 243.45%
65,821,407 11,876,258 65,021,270 1,603,383 49,853,854 74.83%
21,258,741 1,823,677 21,246,976 178,955 12,940,389 60.40%
- - - - - -
24,853,044 11,374,269 24,751,830 1,301,111 22,646,311 86.92%
290,998 44,115 290,998 4,412 310,089 104.97%
- - - - - -
565,868 30,880 565,868 3,099 643,550 113.11%
9,140,563 - 9,140,563 - 6,267,247 68.57%
271,850,451 114,037,857 266,842,106 19,759,687 189,361,099
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 233
Page 236
TABLE 20. DISCLOSURE OF EXPOSURE BY ASSET CLASS AND RISK WEIGHT (CR5)
i. Bank only
31 December 2025 (in IDR million)
Total Net
Receivables
No Portfolio Categories 0% 20% 50% 100% 150% Other After
CCF and
CRM
1. Receivables on Sovereigns 47,431,297 - - - - - 47,431,297
Total Net
Receivables
No Portfolio Categories 20% 50% 100% 150% Other
After
CCF and CRM
Review
Operational
2. Receivables on Public Sector Entities 335,711 3,458,518 - - - 3,794,229
No Portfolio Categories 0% 20% 30% 50% 100% 150% Other
3. Receivables on Multilateral Development Banks and - - - - - - -
International Institutions
No Portfolio Categories 20% 30% 40% 50% 75% 100% 150%
4. Receivables on Banks 5,270,157 - 8,927,015 100,976 185,431 87,349
Receivables to Securities Companies and 1,428,810 - 8,784,274 138,430 - - 222,157
Other Financial Institutions
No Portfolio Categories 10% 15% 20% 25% 35% 50% 100%
5. Receivables Covered Bonds - - - - - - -
No Portfolio Categories 20% 50% 65% 75% 80% 85% 100%
6. Receivables on Corporate - General Corporation Exposure 324,966 268,150 - - - 4,369,637 79,207,884
Receivables to securities companies and - - - - - -
other financial institutions
Special Financing Exposure - - - - -
Total Net
Receivables
No Portfolio Categories 100% 150% 250% 400% Other
After
CCF and CRM
7. Receivables of Subordinated Securities, Equity, and 20,000 - 32,469.00 - - 52,469
Other Capital Instruments
Total Net
Receivables
No Portfolio Categories 45% 75% 85% 100% Other
After
CCF and CRM
8. Receivables on Micro, Small Business, & Retail Portfolio 1,115,794 30,471,717 71,416 840,899 932 32,500,758
234 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 237
Review
Operational
Total Net
Receivables
After
CCF and CRM
-
Total Net
Receivables
Other After
CCF and
CRM
14,570,929
10,573,671
Total Net
Receivables
Other
After
CCF and CRM
- -
Total Net
Receivables
130% 150% Other
After
CCF and CRM
- - - 84,170,638
- - -
- - - -
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 235
Page 238
No Portfolio Categories 0% 20% 25% 30% 35% 40% 45%
9. Loans Secured by Property
Residential Property Backed Credit whose Payment Is - 363,253 381,342 3,672,086 - 2,012,755
Not Materially Dependent on Property Cash Flow
without a credit-sharing approach - - - - -
by using a credit sharing approach (guaranteed) -
by using a credit sharing approach (guaranteed) -
Residential Property-Backed Loans whose Payment - - -
Depends Materially on Property Cash Flow
Commercial Property Backed Loans whose Payments - - - -
Are Not Material Dependent on Property Cash Flow
without a credit-sharing approach - - - -
Review
Operational
by using a credit sharing approach (guaranteed)
by using a credit sharing approach (guaranteed) - - - -
Commercial Property Backed Loans whose Payments
Depend Materially on Property Cash Flow
Land Procurement, Tillage, and/or Construction Credit
Total Net
Receivables
No Portfolio Categories 50% 100% 150% Other
After
CCF and CRM
10. Past Due Receivables 45,260 145,505 188,907 - 379,671
Total Net
Receivables
No Portfolio Categories 0% 20% 100% 150% 1.250% Other After
CCF and
CRM
11. Other Assets 2,962,278 - 4,656,634 333,679 - - 7,952,591
Net Receivables
Net Receivables Net Receivables (After
of Administrative
No Risk Weight Statement of Average CCF the imposition of CCF
Account
Financial Position and CRM Technique)
Transactions
1. 40% < 61,930,584 1,925,793 614 62,170,045
2. 40%-70% 27,183,040 23,909,908 26 30,343,357
3. 75% 47,872,504 9,788,795 6 48,408,956
4. 85% 11,358,873 7,836,978 439 11,500,508
5. 90%-100% 85,116,615 69,879,737 2,640 95,740,427
6. 105%-130% 125,682 696,647 270 127,032
7. 150% 809,426 - 2,070 877,740
8. 250% 52,469 - - 32,469
9. 400% - - - -
10. 1,250% - - - -
Total Net Receivables 234,449,193 114,037,857 6,066 249,200,535
236 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 239
Total Net
Receivables
50% 60% 65% 70% 75% 85% 90% 100% 105% 110% 150% Other After
CCF and
CRM
1,121,000 2,521,876 11,173,110 136,532 43,978 - - 21,425,931
- - - - - - - - -
- -
- - -
- - - - - -
- 1,808,792 - 6,578,699 6,922,923 10,742,527 - - 26,052,941
- - - -
Review
Operational
- - -
- - - - - - - -
40,517 82,999 127,032 44,862 - 295,410
- - - -
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 237
Page 240
ii. Bank as Consolidated with Subsidiary
31 December 2025 (in IDR million)
Total Net
Receivables
No Portfolio Categories 0% 20% 50% 100% 150% Other
After
CCF and CRM
1. Receivables on Sovereigns 47,431,297 - - - - - 47,431,297
Total Net
Receivables
No Portfolio Categories 20% 50% 100% 150% Other
After
CCF and CRM
2. Receivables on Public Sector Entities 335.711 3.458.958 - - - 3.794.669
Review
Operational
No Portfolio Categories 0% 20% 30% 50% 100% 150% Other
3. Receivables on Multilateral Development Banks and - - - - - - -
International Institutions
No Portfolio Categories 20% 30% 40% 50% 75% 100% 150%
4. Receivables on Banks 5,475,776 - 9,206,951 100,988 185,431 - 87,621
Receivables to Securities Companies and 1,358,031 - 7,765,335 138,429,640 - - 222,157
Other Financial Institutions
No Portfolio Categories 10% 15% 20% 25% 35% 50% 100%
5. Receivables Covered Bonds - - - - - - -
No Portfolio Categories 20% 50% 65% 75% 80% 85% 100%
6. Receivables on Corporate - General Corporation Exposure 324,966 268,150 - - - 6,438,215 79,237,278
Receivables to securities companies and - - - - - -
other financial institutions
Special Financing Exposure - - - - -
Total Net
Receivables
No Portfolio Categories 100% 150% 250% 400% Other
After
CCF and CRM
7. Receivables of Subordinated Securities, Equity, and 20,000 438,034,00 458,034
Other Capital Instruments
Total Net
Receivables
No Portfolio Categories 45% 75% 85% 100% Other After
CCF and
CRM
8. Receivables on Micro, Small Business, & Retail Portfolio 1,115,794 64,585,997 73,859 848,074 929 66,624,653
238 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 241
Total Net
Receivables
Review
Operational
After
CCF and CRM
-
Total Net
Receivables
Other
After
CCF and CRM
- 15,056,766
- 9,483,953
Total Net
Receivables
Other
After
CCF and CRM
- -
Total Net
Receivables
130% 150% Other
After
CCF and CRM
- - - 86.268.609
- - -
- - - -
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 239
Page 242
No Portfolio Categories 0% 20% 25% 30% 35% 40% 45%
9. Loans Secured by Property - - - - - - -
Residential Property Backed Credit whose Payment Is - 363,253 381,342 3,672,086 2,012,755
Not Materially Dependent on Property Cash Flow
without a credit-sharing approach - - - - -
by using a credit sharing approach (guaranteed) -
by using a credit sharing approach (guaranteed) -
Residential Property-Backed Loans whose Payment - - -
Depends Materially on Property Cash Flow
Commercial Property Backed Loans whose Payments - - - -
Are Not Material Dependent on Property Cash Flow
without a credit-sharing approach - - - -
Review
Operational
by using a credit sharing approach (guaranteed)
by using a credit sharing approach (guaranteed) - - - -
Commercial Property Backed Loans whose Payments
Depend Materially on Property Cash Flow
Land Procurement, Tillage, and/or Construction Credit
Total Net
Receivables
No Portfolio Categories 50% 100% 150% Other After
CCF and
CRM
10. Past Due Receivables 129,631 160,539 278,797 - 568,967
Total Net
Receivables
No Portfolio Categories 0% 20% 100% 150% 1.250% Other After
CCF and
CRM
11. Other Assets 3,040,156 - 5,766,729 333,678 - - 9,140,563
Net Receivables Net Receivables
Net Receivables
of Administrative (After the imposition
No Risk Weight Statement of Average CCF
Account of CCF and CRM
Financial Position
Transactions Technique)
1. < 40% 62,143,157 1,925,793 614 62,382,618
2. 40%-70% 26,528,858 23,909,908 26 29,689,176
3. 75% 81,986,783 9,788,795 6 82,523,235
4. 85% 13,429,894 7,836,978 439 13,571,529
5. 90%-100% 86,278,311 69,879,737 2,640 96,902,123
6. 105%-130% 125,682 696,647 270 127,033
7. 150% 899,732 - 2,070 968,047
8. 250% 458,034 - - 438,033
9. 400% - - - -
10. 1.250% - - - -
Total Net Receivables 271,850,451 114,037,857 6,066 286,601,793
iii. Additional Disclosures
Danamon applies collateral CRM Techniques with a simple approach in accordance with SEOJK No. 24/
SEOJK.03/2021.
240 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 243
Total Net
Receivables
50% 60% 65% 70% 75% 85% 90% 100% 105% 110% 150% Other After
CCF and
CRM
- - - - - - - - - - - - -
1,121,000 - 2,521,876 11,173,110 136,532 43,978 - - 21,425,931
- - - - - - - - -
- -
- -
- - - - - -
- 1,808,792 - 6,578,699 6,922,923 10,742,527 - - 26,052,941
- - - -
Review
Operational
- - -
- - - - - - - -
40,517 82,999 127,032 44,862 - 295,410
- - - -
h. Disclosure of Assets Securitization j. Credit Risk Due to Failure of Counterparty
Securitization is the process of taking Counterparty Credit Risk arises from the type
non-liquid assets or asset groups and, through of transactions that are generally affected by
financial engineering, transforming them the following characteristics:
into securities. The securities that are issued • Transactions influenced by the movement
based on the transfer of financial assets from of fair value or market value.
the original borrower are followed by payment • Fair value of transactions influenced by
from the proceeds of the sale of asset-backed movements of certain market variables.
securities to investors. • Transactions resulting in the exchange of
cash flows or financial instruments.
As of 31 December 2025, Danamon did not • Bilateral in nature.
have transactions of credit derivative and
securitization, therefore no disclosure of One of the transactions that may incite credit
tables below: risk due to the counterparty’s failure is over the
• Net Credit Derivative Claims (CCR6) counter (OTC) derivatives and repo/reverse repo
• Securitization Exposure in the Banking transactions for both Trading Book and Banking
Book (SEC1) Book positions, this includes transactions with the
• Securitization Exposure Components in Central Counter Party (CCP).
the Trading Book (SEC2)
• Securitization Exposure in the Banking For both Repo and Reverse Repo transactions,
Book and related to its Capital Requirements Danamon refers to SEOJK No. 24/SEOJK.03/2021
- Bank Acting as Originator or Sponsor concerning Risk-Weighted Assets Calculation for
(SEC3) Credit Risk using the Standardized Approach for
• Securitization Exposure in the Banking Commercial Banks.
Book and related to its Capital
Requirements Bank Acting as Investor
(SEC4).
i. Credit Risk Assessment using Standardized
Approach
In calculating the Risk Weighted Assets
(RWA) for credit risk, Danamon applies the
Standardized Approach, which refers to OJK
regulations, i.e. SEOJK No. 24/SEOJK.03/2021
concerning Risk-Weighted Assets Calculation
for Credit Risk using the Standardized
Approach for Commercial Banks.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 241
Page 244
TABLE 21. ANALYSIS OF COUNTERPARTY CREDIT RISK EXPOSURE (CCR1)
i. Bank only
31 December 2025 (in IDR million)
a b c d e f
Potential Alpha used
Replacement Future for EAD Net
No Description EEPE RWA
Cost (RC) Exposure regulatory Receivables
(PFE) calculation
1. SA-CCR (for derivative) 288,203 1,186,843 1.4 2,065,065 986,178
2. Internal Model Method (For N/A N/A
Derivative and SFT)
Review
Operational
3. Basic Approach for credit risk N/A N/A
mitigation (for SFT)
4. Comprehensive approach for N/A N/A
credit risk mitigation (For SFT)
5. VaR for SFT N/A N/A
6. Total 986,178
Qualitative Analysis
In accordance with SEOJK No. 48/SEOJK.03/2017, RWA in Counterparty Credit Risk under Standard Approach Method for Banks’ Derivative
Transactions shall be calculated using the Replacement Cost calculation analysis method for non-margin derivative transactions.
TABLE 22. CCR EXPOSURE BASED ON PORTFOLIO CATEGORY AND RISK WEIGHT (CCR3)
i. Bank only
31 December 2025
a b c d e f
Risk Weight
0% 20% 30% 40% 45% 50%
Portfolio Category
Indonesia
Receivables on Sovereigns 300,857
Receivables on Public Sector Entities
Receivables on Multilateral Development
Banks and International Institutions
Receivables on Banks 362,428 458,952 83,890
Exposures to Securities Firm and Other 16,641 187,327
Financial Institutions
Receivables on Corporates
Receivables on Micro, Small, and Retail
Businesses Portfolio
Total 300,857 379,069 - 646,279 - 83,890
242 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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ii. Bank as Consolidated with Subsidiary
31 December 2025 (in IDR million)
a b c d e f
Potential Alpha used
Replacement Future for EAD Net
No Description EEPE RWA
Cost (RC) Exposure regulatory Receivables
(PFE) calculation
1. SA-CCR (for derivative) 347,742 1,327,258 1.4 2,345,000 1,098,152
2. Internal Model Method N/A N/A
(For Derivative and SFT)
Review
Operational
3. Basic Approach for credit risk N/A N/A
mitigation (for SFT)
4. Comprehensive approach for N/A N/A
credit risk mitigation (For SFT)
5. VaR for SFT N/A N/A
6. Total 1,098,152
Qualitative Analysis
In accordance with SEOJK No. 48/SEOJK.03/2017, RWA in Counterparty Credit Risk under Standard Approach Method for Banks’ Derivative
Transactions shall be calculated using the Replacement Cost calculation analysis method for non-margin derivative transactions.
(in IDR million)
g h i j k l m n
Total Net
67.5% 75% 85% 100% 112.5% 150% Others
Receivables
300,857
-
-
185,099 4 1,090,373
1,521 205,489
107 467,308 467,415
0 931 931
- 185,099 107 467,308 - 2,456 - 2,065,065
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 243
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ii. Bank as Consolidated with Subsidiary
31 December 2025
a b c d e f
Risk Weight
0% 20% 30% 40% 45% 50%
Portfolio Category
Indonesia
Receivables on Sovereigns 300,857
Receivables on Public Sector Entities
Receivables on Multilateral Development
Banks and International Institutions
Receivables on Banks 362,428 738,888 83,889
Review
Operational
Exposures to Securities Firm and 16,641 187,327
Other Financial Institutions
Receivables on Corporates
Receivables on Micro, Small, and Retail
Businesses Portfolio
Total 300,857 379,069 - 926,215 - 83,889
TABLE 23. EXPOSURE REPORT RELATED TO TRANSACTIONS WITH CENTRAL COUNTERPARTY (CCP)
31 December 2025 (in IDR million)
No Component Names Net Receivables ATMR
Exposure Related with CCP Transactions
1. Total Exposure to QCCP 35,472.20 1,397.37
2. Exposures Transacted with QCCP 7,044.88 140.90
(i) Derivative OTC 7,044.88 140.90
(ii) Derivative transactions through Stock Exchange 0.00 0.00
(iii) Securities Financing Transactions 0.00 0.00
(iv) Netting Set 0.00 0.00
3. Segregated Initial Margin 28,326.80
4. Nonsegregated Initial Margin 0.00 0.00
5. Prefunded Default Fund Contribution 100.52 1,256.47
6. Unfunded Default Fund Contribution 0.00 0.00
7. Total Exposure to NonQCCP 0.00 0.00
8. Exposures Transacted with QCCP 0.00 0.00
(i) Derivative OTC 0.00 0.00
(ii) Derivative transactions through Stock Exchange 0.00 0.00
(iii) Securities Financing Transactions 0.00 0.00
(iv) Netting Set 0.00 0.00
9. Segregated Initial Margin 0.00
10. Nonsegregated Initial Margin 0.00 0.00
11. Prefunded Default Fund Contribution 0.00 0.00
12. Unfunded Default Fund Contribution 0.00 0.00
13. Exposure Total to QCCP and NonQCCP 35,472.20 1,397.37
2. Market Risk
Market Risk Management Implementation
An effective Market Risk Management, whether individually (including the Sharia Business Unit) or as
consolidation with Subsidiary, involves active oversight and supervision from both the BOC and the BOD
through the Risk Monitoring Committee and the Asset & Liability Management Committee, and active
oversight from the Sharia Supervisory Board (SSB).
244 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(in IDR million)
g h i j k l m n
Total Net
67.5% 75% 85% 100% 112.5% 150% Others
Receivables
300,857
-
-
185,099 4 1,370,308
Review
Operational
1,521 205,489
107 467,308 467,415
0 931 931
- 185,099 107 467,308 - 2,456 - 2,345,000
In general, market risk measurement covers exchange rate and interest rate risks, which are recorded
in Danamon’s trading and banking books. Market risk measurement includes the process of valuing
financial instruments, calculating market risk capital charges, stress testing and sensitivity analysis.
The measurement method used refers to regulatory requirements and general standards for market risk
management in banking.
Trading risk is managed through a limit structure and monitored daily by the Market & Liquidity Risk (MLR)
division, which covers exchange rate risk and interest rate risk.
On the other hand, interest rate risk in the banking book is an exposure arising from adverse interest rate
market movement on Danamon balance sheet.
Portfolio Considered in Minimum Capital Requirement
Danamon is committed to meeting the CAR as stipulated by the regulator. Every month, Danamon calculates
market risk RWA using the standardized approach. In this calculation, Danamon considers several risk
factors, namely: Default Risk Charge (DRC), General Interest Rate Risk (GIRR), Credit Risk Spread (CSR),
Foreign Exchange (FX) Risk, Residual Risk Add-On (RRAO), and Credit Valuation Adjustment (CVA).
In determining the market risk RWA, Danamon calculates all positions in the Trading Book/Fair Value
through Profit or Loss (FVTPL) and includes the Banking Book, specifically for FX and CVA positions.
Market Risk Mitigation for Foreign Exchange Transactions
To mitigate the Market Risk exposures, Danamon bases its market risk management on the following
principles:
• Danamon has a sound and comprehensive market risk management system that is closely integrated
with its day-today risk management process and system.
• The market risk management involves identification, measurement, monitoring, control, and
risk management information systems of all market risk materials/factors, including sound capital
adequacy assessment associated with the risks.
• Policies and procedures are structured with due observance of the prudence principle as the foundation
of a robust risk management system.
• The market risk management system must encompass all material market risk factors, covering both
on-balance sheet and off-balance sheet items.
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TABLE 24. DISCLOSURE OF MARKET RISK USING STANDARDIZED APPROACH
i. Bank only
(in IDR million)
Capital Charge with Standard Capital Charge with Standard
Risk Approach Approach
Position December 31, 2025 Position December 31, 2024
Risk of GIRR 83,116.25 101,468.42
Risk of CSR (non-securitization) 28,898.92 27,456.74
Risk of CSR (securitization : non-CTP) - -
Risk of CSR (securitization : CTP) - -
Risk of Equity - -
Risk of Commodity - -
Review
Operational
Risk of Exchange Rate 160,044.17 32,665.83
DRC - (non-securitization) 7,790.93 1,704.87
DRC - (securitization : non-CTP) - -
DRC - (securitization : CTP) - -
RRAO - -
Total 279,850.27 163,295.86
Additional Market RWA Disclosures:
During the reporting period, there were no significant changes affecting Danamon’s market risk RWA
calculation.
(in IDR million)
a b
ATMR
Component
BA-CVA
Aggregation of systematic components of CVA risk 67,580.08
Aggregation of idiosyncratic components of CVA risk 15,799.08
Total 296,197.75
CVA Additional Disclosures:
During the reporting period, Danamon did not enter into specific hedging transactions for Credit Valuation
Adjustment (CVA) risk for transactions subject to the BA‑CVA (reduced version) RWA calculation.
ii. Bank as Consolidated with Subsidiary
(in IDR million)
Capital Charge with Standard Capital Charge with Standard
Risk Approach Approach
Position December 31, 2025 Position December 31, 2024
Risk of GIRR 83,116.25 101,468.42
Risk of CSR (non-securitization) 28,898.92 27,456.74
Risk of CSR (securitization : non-CTP) - -
Risk of CSR (securitization : CTP) - -
Risk of Equity - -
Risk of Commodity - -
Risk of Exchange Rate 160,049.49 32,723.05
DRC - (non-securitization) 7,790.93 1,704.87
DRC - (securitization : non-CTP) - -
)DRC - (securitization : CTP - -
RRAO - -
Total 279,855.59 163,353.08
Additional Market RWA Disclosures:
During the reporting period, there were no significant changes that affected the market risk RWA calculation
of the Danamon and its Subsidiary.
246 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(in IDR million)
a b
ATMR
Component
BA-CVA
Aggregation of systematic components of CVA risk 97,715.50
Aggregation of idiosyncratic components of CVA risk 18,264.75
Total 417,255.00
CVA Additional Disclosures:
During the reporting period, Danamon and its Subsidiary did not enter into specific hedging transactions
for Credit Valuation Adjustment (CVA) risk for transactions subject to the BA‑CVA (reduced version) RWA
calculation.
Review
Operational
REPORT OF RISK MANAGEMENT FOR IRRBB In general, ALCO’s management of IRRBB is
(INTEREST RATE RISK IN THE BANKING BOOK) supported by the Treasury and Capital Market
(TCM) and the Market and Liquidity Risk (MLR).
a. IRRBB Definition
Interest Rate Risk in Banking Book (IRRBB) refers The TCM has an active role in managing IRRBB
to the current or prospective risks to Danamon’s exposure within the limits and parameters
capital and earnings arising from adverse approved by ALCO, including managing the gap
movements in interest rates that affect Danamon risk, repricing risk, and other risks associated
Banking Book positions. with the IRRBB, as well as performing necessary
interest rate hedging. The management is
Risk management in banking identifies, measures, performed based on the decisions and mandates
monitors, and controls exposure to interest rate given by ALCO as a senior management
risk arising from activities outside the trading committee, which is the apex body entrusted for
book. Such risk management enables banks interest rate risk management and is the owner of
to weather interest rate fluctuations without the IRRBB limit.
affecting profitability (NII) or solvency (EVE).
MLR is an independent function within Danamon
IRRBB exposure includes exposure are financial that is responsible for managing market and
instruments or assets that are recorded as liquidity risks. The responsibility of the MLR in
Available-for-Sale (AFS)/Fair Value through Other relation to the management of the IRRBB includes:
Comprehensive Income (FVOCI) and as Held-to- • Identifying, measuring, monitoring, and
Maturity (HTM). reporting risk exposure in accordance with
regulations, methods, and policies related to
b. Risk Management Strategy and Risk Mitigation IRRBB.
for IRRBB • Developing and reviewing related policies,
IRRBB is managed for each significant currency guidelines, methods, and procedures in
exposure, defined as any currency representing managing IRRBB.
at least 5% (five percent) of total assets or • Reviewing the limits associated with IRRBB
liabilities within the Banking Book. These major on a regular basis to ensure they remain
currencies must be actively managed by the adequately set.
Treasury unit and independently monitored by the
Risk Management Unit. c. Periodization of IRRBB Calculations and
Measurements Used to Measure Sensitivity to
In relation to the above, the BOD delegates the IRRBB
authority to the ALCO to monitor and review the Internally, Danamon measures and monitors
structure and trends of the balance sheet in terms IRRBB exposures monthly through the ΔEVE
of, such as, interest rate risk, including IRRBB. (Economic Value of Equity) and ΔNII (Net Interest
Accordingly, ALCO should conduct regular Income) methods.
meetings that include agenda items related to
IRRBB.
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d. Interest Rate Shock Scenario and g. Main Modelling Assumptions and Parametric
Stress Scenario Being Used Used in ∆EVE and ∆NII Calculations
In accordance with the POJK, IRRBB exposure 1) In calculating cash flows and discounts on the
measurement through ΔEVE is conducted based ∆EVE calculation, Danamon does not include
on 6 (six) interest rate shock scenarios, as follows: commercial margin components and other
• Parallel shock up; spread components.
• Parallel shock down; 2) Determination of repricing maturities for NMD
• Steepener shock; is conducted based on a behavioral analysis
• Flattener shock; of NMD using sufficient historical data.
• Short rates shock up; and 3) The methodology used to estimate loan
• Short rates shock down. prepayment rates and TD early withdrawal
rates is the maximum value of prepayment
IRRBB exposure measurement through ∆NII is rates and early withdrawal rates based on
Review
Operational
conducted based on 2 (two) interest rate shock historical data.
scenarios, as follows: 4) At present, no other assumptions that have a
• Parallel shock-up; and material impact on ∆EVE and ∆NII are excluded
• Parallel shock down. from the calculations.
5) The method of aggregation between
The amount of interest rate shock used by currencies is as follows:
Danamon in calculating ∆EVE and ∆NII follows the - For the purpose of measuring a
scenario set by the OJK, which is as follows: consolidated basis, the calculation is
(in bps) IDR USD performed by combining the results of
the ∆EVE and ∆NII values of each entity
Parallel 400 200
based on the same interest rate scenario
Short 500 300 category and the same currency type.
Long 350 150 - For the purpose of measuring in the
e. Modelling Assumptions IRRBB aggregation between significant
For IRRBB disclosure, Danamon uses the currencies, the calculation is performed by
standardized approach as stipulated in the summing up the worst ∆EVE and ∆NII for
SEOJK. each type of significant currency.
As a complementary tool in managing interest Quantitative Analysis
rate risk, under the Internal Capital Assessment 1. Average repricing maturity for NMD as of the
Adequacy Process (ICAAP), Danamon end of December 2025 is determined based
also conducts IRRBB simulations using the on a behavioural analysis of NMD using
standardized approach by using internal historical data.
assumptions of interest rate shock. 2. Maximum repricing maturity for NMD as of the
end of December 2025 is determined through
f. Hedging of IRRBB and Related Accounting internal assumption.
Treatments 3. Danamon’s IRRBB calculations, both at the
In the event that an activity uses hedge individual bank level and on a consolidated
accounting, the activity is taken into account in basis with subsidiaries, have been performed
the measurement of IRRBB. using the latest data and methodologies in
accordance with applicable regulations.
As of the December 2025 report, Danamon’s
Subsidiary had hedge accounting activities, which
were included in the scope of the consolidated
IRRBB calculation.
248 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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TABLE 25. INTEREST RATE RISK IN BANKING BOOK - IRRBB CALCULATION REPORT
i. Bank only
Currency : IDR (in IDR million)
Period ΔEVE ΔNII
Scenario 31-Dec-25 30-Sep-25 31-Dec-25 30-Sep-25
Parallel Up (4,977,920) (4,601,405) (1,568,155) (1,837,767)
Parallel Down 6,692,250 6,089,305 358,676 609,349
Steepener (1,590,883) (1,291,633)
Flattener 496,551 268,964
Short Rate Up (2,000,960) (1,979,091)
Short Rate Down 2,261,568 2,228,666
Review
Operational
Maximum Value Negative (Absolute) 4,977,920 4,601,405 1,568,155 1,837,767
Tier 1 Capital (for ΔEVE) or Projected Income (for ΔNII) 39,691,860 38,886,392 10,235,378 10,235,378
Maximum Value divided by Tier 1 Capital (for ΔEVE) or Projected Income 12.54% 11.83% 15.32% 17.96%
(for ΔNII)
Currency : USD (in IDR million)
Period ΔEVE ΔNII
Scenario 31-Dec-25 30-Sep-25 31-Dec-25 30-Sep-25
Parallel Up (96,605) (99,771) (25,188) 156,129
Parallel Down 111,344 113,319 (53,026) (228,860)
Steepener (22,761) (8,229)
Flattener 322 (14,619)
Short Rate Up (40,620) (55,496)
Short Rate Down 44,259 58,756
Maximum Value Negative (Absolute) 96,605 99,771 53,026 228,860
Tier 1 Capital (for ΔEVE) or Projected Income (for ΔNII) 39,691,860 38,886,392 10,235,378 10,235,378
Maximum Value divided by Tier 1 Capital (for ΔEVE) or Projected Income 0.24% 0.26% 0.52% 2.24%
(for ΔNII)
Currency : Combined (IDR & USD) (in IDR million)
Period ΔEVE ΔNII
Scenario 31-Dec-25 30-Sep-25 31-Dec-25 30-Sep-25
Maximum Value Negative (Absolute) 5,074,525 4,701,177 1,593,343 1,837,767
Tier 1 Capital (for ΔEVE) or Projected Income (for ΔNII) 39,691,860 38,886,392 10,235,378 10,235,378
Maximum Value divided by Tier 1 Capital (for ΔEVE) or Projected Income 12.78% 12.09% 15.57% 17.96%
(for ΔNII)
ii. Bank as Consolidated with Subsidiary
Currency : IDR (in IDR million)
Period ΔEVE ΔNII
Scenario 31-Dec-25 30-Sep-25 31-Dec-25 30-Sep-25
Parallel Up (5,703,128) (5,177,424) (1,465,571) (1,802,989)
Parallel Down 7,507,313 6,738,315 252,257 573,269
Steepener (1,396,375) (1,147,202)
Flattener 150,867 3,648
Short Rate Up (2,595,254) (2,443,265)
Short Rate Down 2,912,447 2,739,244
Maximum Value Negative (Absolute) 5,703,128 5,177,424 1,465,571 1,802,989
Tier 1 Capital (for ΔEVE) or Projected Income (for ΔNII) 50,169,086 49,055,847 19,325,119 17,133,952
Maximum Value divided by Tier 1 Capital (for ΔEVE) or Projected Income 11.37% 10.55% 7.58% 10.52%
(for ΔNII)
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Currency : USD (in IDR million)
Period ΔEVE ΔNII
Scenario 31-Dec-25 30-Sep-25 31-Dec-25 30-Sep-25
Parallel Up (96,605) (99,771) (25,188) 156,129
Parallel Down 111,344 113,319 (53,026) (228,860)
Steepener (22,761) (8,229)
Flattener 322 (14,619)
Short Rate Up (40,620) (55,496)
Short Rate Down 44,259 58,756
Maximum Value Negative (Absolute) 96,605 99,771 53,026 228,860
Tier 1 Capital (for ΔEVE) or Projected Income (for ΔNII) 50,169,086 49,055,847 19,325,119 17,133,952
Maximum Value divided by Tier 1 Capital (for ΔEVE) or Projected Income 0.19% 0.20% 0.27% 1.34%
(for ΔNII)
Review
Operational
Currency : Combined (IDR & USD) (in IDR million)
Period ΔEVE ΔNII
Scenario 31-Dec-25 30-Sep-25 31-Dec-25 30-Sep-25
Maximum Value Negative (Absolute) 5,799,733 5,277,196 1,490,759 1,802,989
Tier 1 Capital (for ΔEVE) or Projected Income (for ΔNII) 50,169,086 49,055,847 19,325,119 17,133,952
Maximum Value divided by Tier 1 Capital (for ΔEVE) or Projected Income 11.56% 10.76% 7.71% 10.52%
(for ΔNII)
3. Liquidity Risk e. Improving resilience in the event of a sharp
decline of liquidity risk and demonstrating
Liquidity Risk Management Governance Danamon’s ability to address closed access to
An effective Liquidity Risk Management, whether one or more financial markets by ensuring that
individually (including the Sharia Business Unit) or funding can be generated through a variety of
as consolidation with Subsidiary, involves active sources.
oversight and supervision from both BOC and
the BOD through the Risk Monitoring Committee ALCO, as a committee of the BOD, serves as the
and the Asset & Liability Management Committee, apex body assigned to oversee and evaluate
and active oversight from the Sharia Supervisory the structure and trends of the balance sheet in
Board (SSB). terms of liquidity, interest rate risks, and capital
management. This involves establishing policies
In order to evaluate the fulfillment of liquidity, and procedures, determining a limit framework,
ALCO has scope of authority delegated by the BOD and evaluating strategies on the balance sheet
to manage the structure of assets and liabilities, with the objectives of providing adequate liquidity
including the funding strategies of Danamon. and capital for Danamon, as well as a diversified
ALCO focuses on liquidity management with the funding structure.
following objectives:
a. Understanding the various liquidity risk Danamon manages liquidity risks through liquidity
sources and integrating the characteristics and gap analysis and liquidity ratios. Liquidity risks are
risks of various liquidity sources, particularly measured and monitored on a daily basis based
under stress conditions. on the limit framework of liquidity risks.
b. Developing a comprehensive risk approach
to ensure compliance with the overall risk The monitoring and control processes are
appetite. conducted through the Liquidity Risk Limit
c. Determining relevant funding strategies mechanism. MLR is an independent division
to meet liquidity requirements, including (as the Second Line of Defense) that monitors the
consolidating all funding resources. limits relevant to liquidity risk on a daily basis by
d. Developing effective contingency plans. taking into account the risk appetite and business
strategy direction of the Bank.
250 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Funding Strategy Stress testing identifies vulnerabilities and
As part of the liquidity risk management process, ensures that the Bank has adequate, high-quality
Danamon implements a funding strategy through liquid assets (HQLA) or reserve funding sources
a diversified Third-Party Fund (TPF) composition to meet its short-term obligations in emergency
in wholesale and retail segment financing. One of situations.
the methods used to monitor the funding strategy
is through the concentration of funding for large Liquidity stress test scenarios use specific
fund providers that are monitored daily. quantitative parameters to simulate conditions
that may cause the Bank’s liquidity to deteriorate.
Liquidity Risk Mitigation Technique The scenarios used by Danamon are:
In mitigating liquidity risks, Danamon’s liquidity
risk management is based on the following a. General Market Stress/Systemic Problem
principles: The aim of this scenario is to illustrate a
Review
Operational
a. Strategies, policies, and practices are geared situation where liquidity at a large number of
towards managing liquidity risk to provide financial institutions in the country is affected.
sufficient liquidity. This situation may be triggered by major
b. Risk management process in identifying, macroeconomic and financial problems or
measuring, monitoring, and controlling a political crisis in the country that causes
liquidity risk. customers to lose confidence in the banking
c. The risk management function responsible system. A systemic situation arising from
for liquidity risk management should be market scenarios that are not directly related
structurally and functionally independent to the bank (e.g.,sharp fall and high volatility
from the liquidity risk-taking function in asset prices, market panic, sudden dry-up
(Risk-taking Unit). in short-term funding markets, and financial/
d. Active oversight and control of liquidity risk economic difficulties).
exposure.
e. Funding sources and tenors should be b. Bank-Specific Stress/Name Problem
effectively diversified to minimise excessive The aim of this scenario is to illustrate a
funding concentrations. situation where liquidity stress arises as a
f. A comprehensive Contingency Funding Plan result of the Bank itself experiencing either
(CFP) that sets strategies to address liquidity real or perceived problems. These problems
challenges in crisis situations, which is include deteriorating asset quality, major fraud
reviewed periodically to assess the strategy’s cases, large trading losses, rumors about
effectiveness and operational feasibility. Danamon’s credibility or a downgrade in its
g. Sustainable management of liquidity reserves credit rating, and exceptional losses arising
in the form of high-quality liquid assets from market/credit/operational issues; this
that meet risk tolerance and regulatory generally leads to an erosion of public trust in
requirements. the bank, deposit runs, and overall shortness
h. Liquidity stress tests include the on- and off- in liquidity.
balance sheet components.
Stress Test
Liquidity-risk stress testing assesses Danamon’s
capacity to withstand plausible scenarios of a
range of severities under various market and/
or firm-specific conditions, thereby identifying
Danamon’s vulnerabilities to specific sources of
liquidity risk.
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Liquidity Risk Measurements
In general, the assessment of liquidity risk may be grouped into regulatory measurements and internal or
non-regulatory measurements. To measure regulatory liquidity risk, Danamon has internally set additional
thresholds from those pre-set by regulations, where such thresholds are more conservative than those set
by regulations.
a. Liquidity Coverage Ratio (LCR)
The purpose of this standard is to ensure that Danamon retains a sufficient level of unencumbered and
high-quality assets that are convertible into cash to fulfill liquidity requirements within 30 calendar days
under a severe liquidity stress scenario as defined by regulators. At a minimum, liquid asset stocks will
enable Danamon to maintain its operations for up to 30 days during the stress scenario, by which time it
is assumed that appropriate corrective actions have been taken by the management and/or regulators.
The minimum limit that must be met according to regulatory provisions is 100%.
Review
Operational
TABLE 26. LIQUIDITY COVERAGE RATIO (LCR) CALCULATION REPORT
BANK
31-Dec-25 30-Sep-25
The value of HQLA after The value of HQLA after
No Components The outstanding a haircut or outstanding The outstanding a haircut or outstanding
value of liabilities liabilities and commitments value of liabilities liabilities and commitments
and commitments/ multiplied by the run- and commitments/ multiplied by the run-
contractual invoice off rate or the value of contractual invoice off rate or the value of
value contractual invoices times value contractual invoices times
the inflow rate the inflow rate
1. Total data points used
in the calculation of 51 days 51 days
the LCR
HIGH QUALITY LIQUID ASSET (HQLA)
2. Total High Quality 55.040.792 45.536.056
Liquid Asset (HQLA)
CASH OUTFLOWS
3. TOTAL CASH 101.786.143 91.235.464
OUTFLOWS
CASH INFLOWS
4. TOTAL CASH INFLOWS 74.876.905 65.693.956 65.791.093 58.662.492
TOTAL ADJUSTED VALUE1 TOTAL ADJUSTED VALUE1
5. TOTAL HQLA 55.040.792 45.536.056
6. NET CASH OUTFLOWS 36.092.187 32.572.972
7. LCR (%) 152,50% 139,80%
252 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Operational
(in IDR million)
CONSOLIDATED
31-Dec-25 30-Sep-25
The outstanding The value of HQLA after a haircut or The outstanding The value of HQLA after a haircut or
value of liabilities outstanding liabilities and commitments value of liabilities outstanding liabilities and commitments
and commitments/ multiplied by the run-off rate or the and commitments/ multiplied by the run-off rate or the
contractual invoice value of contractual invoices times the contractual invoice value of contractual invoices times the
value inflow rate value inflow rate
51 days 51 days
55.188.844 45.664.004
102.124.360 91.413.796
78.085.201 67.396.633 68.434.512 60.075.658
TOTAL ADJUSTED VALUE1 TOTAL ADJUSTED VALUE1
55.188.844 45.664.004
34.727.727 31.338.138
158,92% 145,71%
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Individual Analysis
In general, the liquidity condition of Danamon is still very good. Liquidity risk management is supported by measurement of liquidity risk
parameters that indicate a low risk level. In addition, Danamon is also supported by strong capital.
In accordance with POJK No. 42/POJK.03/2015, Danamon is obliged to perform Individual and Consolidated quarterly reports for KBMI 3
Banks for the position of the December 2025 report based on the daily average from October - December 2025.
The average LCR ratio of Danamon individually for Quarter-IV 2025 was 152.50%. This ratio is still above the minimum ratio value stipulated
in POJK No. 42/ POJK.03/2015 which is 100%.
The composition of the LCR for Quarter-IV 2025 is described in the section below.
The composition of High Quality Liquid Assets (HQLA) owned by Danamon in Quarter-IV 2025 was still dominated by Placements with
Bank Indonesia (BI) and securities issued by the Central Government and BI. On average, during Quarter-IV 2025, the largest composition
of HQLA was Placements with BI of 50.46% of the total HQLA, followed by securities issued by the Central Government and BI, amounting
to 45.01%, Cash or Cash Equivalents 3.97%, Corporate Bonds Level 2A at 0.32% and Corporate Bonds Level 2B at 0.24%.
The composition of Third Party Funds (TPF) owned by Danamon remains diversified the wholesale and retail segments. To maintain the
stability of TPF so as not to be concentrated on a particular party, as risk mitigation, Danamon internally monitors the funding concentration
Review
Operational
ratio on a daily basis and continues to make efforts to diversify TPF in a sustainable manner.
Overall, the total derivative transactions conducted by Danamon did not have a significant impact on the LCR calculation. In terms of
composition, the comparison of the net cash outflow of derivative transactions (derivative transaction cash outflow minus derivative
transaction cash inflow) to the total net cash outflow is 0.05%, with the cash outflow of derivative transactions being greater than the cash
inflow of derivative transactions. In addition, the background for derivative portfolio activities is still limited to plain vanilla products, most of
which are carried out for hedging needs, supporting customer transactions, or liquidity needs in Balance Sheet Management.
The implementation of Danamon’s liquidity management in accordance with what have reported in the liquidity risk profile includes the
following:
1. In terms of risk management, the Board of Commissioners and Board of Directors have awareness of liquidity management risk and is
represented through the Asset and Liability Committee (ALCO) and Risk Oversight Committee (ROC) with clear and independent duties
and responsibilities.
2. In terms of risk management, Danamon has a contingency funding plan (CFP), monitoring and reporting of liquidity limits through ALCO
and ROC, managing positions and liquidity risk, as well as funding strategies and policies / procedures as well as monitoring liquidity risk
limits and reviewed regularly.
3. Danamon has and implements a liquidity risk management process, independent human resources and a liquidity management
information system.
4. Danamon has a sufficient risk control system through a risk management work unit and a compliance work unit that is independent from
the operational work unit and the line business.
254 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 257
Consolidated Analysis
Danamon’s consolidated liquidity also shows very good conditions. Liquidity risk management in both the Main Entity and its Subsidiary is
carried out through measurement, supervision and control of liquidity risk parameters, which generally indicate a low risk level.
In accordance with POJK No. 42/POJK.03/2015, Danamon are obliged to perform Individual and Consolidated quarterly reports for KBMI 3
Banks for the position of the December 2025 report based on the daily average from October - December 2025.
The average Consolidated LCR ratio of Danamon for Quarter IV 2025 is 158.92%.This ratio is still above the minimum ratio value stipulated
in POJK No. 42/ POJK.03/2015 which is 100%.
The composition of the LCR for Quarter-IV 2025 is described in the section below.
The LCR consolidation calculation is a combination of Danamon’s LCR calculation as the main entity with the Subsidiary’s LCR, in this case
PT Adira Dinamika Multi Finance Tbk (ADMF), a financial services institution engaged in financing or multifinance.
On a consolidated basis, the combined of LCR from Subsidiary has a marginal impact on HQLA by adding cash or cash equivalents,
increasing/reducing cash outflows through bond issuance and interbank borrowing, as well as increasing cash inflows through retail and
interbank asset claims.
Composition of High Quality Liquid Assets (HQLA) owned by Danamon on a consolidated basis in Quarter-IV 2025 was still dominated by
Review
Operational
Placements with BI of 50.325% of the total HQLA, followed by Securities issued by the Central Government and BI at 44.89%, Cash or Cash
equivalents of 4.23%, Corporate Bonds Level 2A at 0.32% and Corporate Bonds Level 2B at 0.24%.
Analysis of the Composition of Third Party Funds as an outflow component, the majority are in the Main Entity (Danamon) which remains
diversified in funding from wholesale and retail segments. Supervision of the concentration of funding is monitored on a daily basis.
Derivative transactions are centered on the Main Entity (Danamon). As stated in the Individual analysis, the ratio of derivative transactions
both in terms of receivables and liabilities to total assets and liabilities (including capital) has a minimal impact on the LCR calculation.
The background of the derivative portfolio activity is only limited to plain vanilla products for hedging needs, supporting customer
transactions, or liquidity needs through Balance Sheet Management.
The implementation of Consolidated liquidity management in accordance with what have reported in the consolidated liquidity risk profile,
includes the following:
1. In terms of risk governance, the board of commissioners and board of directors of both Danamon and Subsidiary have awareness of
liquidity management risk which is represented through the Asset and Liability Committee (ALCO) and Risk Oversight Committee (ROC)
with clear and independent duties and responsibilities.
2. In terms of risk management, Danamon and/or Subsidiary have contingency funding plans (CFP), monitoring and reporting of liquidity
limits through ALCO and ROC, managing positions and liquidity risks as well as funding strategies and policies / procedures and liquidity
risk limits which is monitored and reviewed regularly.
3. Danamon and Subsidiary have and implement a liquidity risk management process, independent human resources and a liquidity
management information system.
4. Danamon and Subsidiary have adequate risk control systems through risk management work units and compliance work units that are
independent of operational work units and Line of Business.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 255
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TABLE 27. NSFR REPORT
i. Bank only
30 September 2025
No ASF Component Outstanding Value Based on Remaining Period
No Period <6 months ≥6 months - 1 year
1. Capital: 55,144,961 - -
2. Capital in Accordance to POJK KPMM 55,144,961 - -
3. Other Capital Instruments - - -
4. Deposits originating from individual customers and 37,685,264 38,711,997 1,676,027
Funding from micro and small business customers:
Review
Operational
5. Stable Deposits and Funding 26,581,286 2,983,161 194,966
6. Less Stable Deposits and Funding 11,103,979 35,728,836 1,481,060
7. Funding originating from Corporate customers: 32,382,246 62,503,317 2,775,469
8. Operational Deposits 19,775,673 - -
9. Other funding originating from Corporate customers 12,606,572 62,503,317 2,775,469
10. Liabilities with interdependent asset pairs - - -
11. Liabilities and other equities 7,749,747 - 43,338
12. NSFR derivative liabilities -
13. Equities and other liabilities that are not included in the above 7,749,747 858,920 43,338
categories
14. Total ASF
30 September 2025
No ASF Component Outstanding Value Based on Remaining Period
No Period <6 months ≥6 months - 1 year
15. Total HQLA in the framework of calculating the NSFR
16. Deposits with other financial institutions for operational 2,861,257 - -
purposes
17. Loans classified as Current and Special Mention (performing) - 80,067,327 36,464,946
and marketable securities
18. To financial institutions guaranteed by HQLA Level 1 - 2,887,661 -
19. To financial institutions that are not guaranteed with Level 1 - 12,499,760 3,454,483
HQLA and loans to financial institutions without collateral
20. To non-financial companies, individual customers and - 63,904,860 32,001,213
customers of micro and small businesses, the Government of
Indonesia, governments of other countries, Bank Indonesia,
central banks of other countries and public sector entities,
including:
21. Meet the qualifications to get a risk weight of 35% or less, - - -
according to the SE OJK ATMR for Credit Risk
22. Residential mortgage backed loans that are not being - - -
guaranteed, which include:
23. Meet the qualifications to get a risk weight of 35% or less, - 775,046 778,650
according to the SE OJK ATMR for Credit Risk
24. Securities that are not being pledged as collateral, are not - - 230,600
default on payment, and are not included as HQLA, including
shares traded on an exchange
25. Assets with interdependent liabilities pairs - - -
26. Other Assets: - 15,209,976 198,047
27. Physical commodities that are traded, including gold -
28. Cash, securities and other assets recorded as initial margin - -
for derivative contracts and cash or other assets submitted as
default funds to the central counterparty (CCP)
256 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(in IDR million)
31 December 2025
Total Weighted Outstanding Value Based on Remaining Period Total Weighted
≥1 year Value No Period <6 months ≥6 months - 1 year ≥1 year Value
- 55,144,961 46,210,359 - - - 46,210,359
- 55,144,961 46,210,359 - - - 46,210,359
- - - - - - -
- 71,753,930 38,026,002 35,716,730 2,371,884 - 70,205,818
Review
Operational
- 28,271,442 27,100,965 6,699,486 252,818 - 32,350,605
- 43,482,488 10,925,037 29,017,245 2,119,066 - 37,855,213
75,000 34,533,261 37,693,599 68,715,878 2,928,750 75,000 40,840,977
- 9,887,837 28,342,403 - - - 14,171,201
75,000 24,645,424 9,351,197 68,715,878 2,928,750 75,000 26,669,776
- - - - - - -
- 21,669 7,836,206 - 31,726 - 15,863
-
1,304,149 21,669 7,836,206 1,053,441 31,726 503,341 15,863
161,453,821 157,273,017
31 December 2025
Total Weighted Outstanding Value Based on Remaining Period Total Weighted
≥1 year Value No Period <6 months ≥6 months - 1 year ≥1 year Value
1,039,210 1,295,053
- 1,430,629 2,196,361 - - - 1,098,181
67,097,598 99,825,200 - 79,034,658 33,087,707 77,523,831 108,164,255
- 288,766 - 1,826,886 - - 182,689
7,766,438 11,368,644 - 12,876,138 1,875,143 7,582,648 10,451,641
43,402,914 76,600,269 - 63,401,175 30,115,810 53,462,374 85,413,910
- - - - - - -
- - - - - - -
14,318,181 10,083,666 - 792,508 797,625 14,522,893 10,234,947
1,610,065 1,483,855 - 137,950 299,129 1,955,917 1,881,069
- - - - - - -
9,684,386 24,188,376 - 5,657,063 208,627 9,267,260 14,655,127
- - -
- - - - - -
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 257
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30 September 2025
No ASF Component Outstanding Value Based on Remaining Period
No Period <6 months ≥6 months - 1 year
29. NSFR derivative assets - -
30. NSFR derivative liabilities before deduction with variation margin - 154,708
31. All other assets that are not included in the above categories - 15,209,976 43,338
32. Off Balance Sheet 103,284,523 3,007,854
33. Total RSF
34. Net Stable Funding Ratio (%)
Individual Analysis
Review
Operational
The Net Stable Funding Ratio (NSFR) of Danamon in December 2025 for individual Bank positions was 124.98%, decrease compared to
the position in September 2025 of 127.01%. Overall, during Quarter IV/2025, Danamon’s NSFR was always above the OJK requirement of
a minimum of 100%.
Danamon’s Total Available Stable Fund (ASF) for December 2025 is IDR157.27 Trillion (weighted value) with the largest component coming
from deposits from individual and micro customers amounted by IDR70.21 Trillion (weighted value) and capital by IDR46.21 Trillion (weighted
value).
Compared to the position in September 2025, total ASF was decreased by IDR4.18 Trillion (weighted value) mainly driven by a decline in
deposits from individual and micro customers amounting to IDR1.55 Trillion (weighted value).
Danamon’s Total Required Stable Fund (RSF) is IDR125.84 Trillion (weighted value) with the largest component coming from Loans in the
Current and Special Mention category (performing) and securities that are not in default amounted by IDR108.16 Trillion (weighted value)
and other assets amounted by IDR14.66 Trillion (weighted value).
ii. Bank as Consolidated with Subsidiary
30 September 2025
No ASF Component Outstanding Value Based on Remaining Period
No Period <6 months ≥6 months - 1 year
1. Capital: 55.173.221 - -
2. Capital in Accordance to POJK KPMM 55.173.221 - -
3. Other Capital Instruments - - -
4. Deposits originating from individual customers and 37.685.264 38.711.997 1.676.027
Funding from micro and small business customers:
5. Stable Deposits and Funding 26.581.286 2.983.161 194.966
6. Less Stable Deposits and Funding 11.103.979 35.728.836 1.481.060
7. Funding originating from Corporate customers: 31.390.961 68.675.190 6.858.259
8. Operational Deposits 19.775.673 - -
9. Other funding originating from Corporate customers 11.615.288 68.675.190 6.858.259
10. Liabilities with interdependent asset pairs - - -
11. Liabilities and other equities 7.714.069 - 386.727
12. NSFR derivative liabilities -
13. Equities and other liabilities that are not included in the above 7.714.069 2.002.454 386.727
categories
14. Total ASF
258 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 261
(in IDR million)
31 December 2025
Total Weighted Outstanding Value Based on Remaining Period Total Weighted
≥1 year Value No Period <6 months ≥6 months - 1 year ≥1 year Value
- - - - - -
- 154,708 - 176,901 - 176,901
9,684,386 24,033,667 - 5,657,063 31,726 9,267,260 14,478,225
980,469 634,084 107,394,356 5,080,844 1,566,323 623,153
127,117,498 125,835,768
127.01% 124.98%
Individual Analysis
Review
Operational
Compared to the position in September 2025, total RSF decreased by IDR1.28 Trillion (weighted value) mainly due to decrease in Other
Assets by IDR9.53 Trillion while increase in Loans in the Current & Special Mention Category (performing) and Securities by IDR8.34 Trillion
(weighted value).
As of December 2025, Danamon does not have interdependent assets or liabilities.
The implementation of Danamon liquidity management in accordance with what have reported in the liquidity risk profile, includes several
things as follows:
1. In terms of risk management, the BOC and BOD have awareness of liquidity management risk and is represented through the
Asset and Liability Committee (ALCO) and Risk Oversight Committee (ROC) with clear and independent duties and responsibilities.
2. In terms of risk management, Danamon has a contingency funding plan (CFP), monitoring and reporting of liquidity limits through ALCO
and ROC, managing positions and liquidity risk, as well as funding strategies and policies/procedures as well as monitoring liquidity risk
limits and reviewed regularly.
3. Danamon has and implements a liquidity risk management process, independent human resources and a liquidity management
information system.
4. Danamon has a sufficient risk control system through a risk management unit and a compliance unit that is independent from the
operational unit and Line of Business.
(in IDR million)
31 December 2025
Total Weighted Outstanding Value Based on Remaining Period Total Weighted
≥1 year Value No Period <6 months ≥6 months - 1 year ≥1 year Value
- 55.173.221 56.454.297 - - - 56.454.297
- 55.173.221 56.454.297 - - - 56.454.297
- - - - - - -
- 71.753.930 38.026.002 35.716.730 2.371.884 - 70.205.818
- 28.271.442 27.100.965 6.699.486 252.818 - 32.350.605
- 43.482.488 10.925.037 29.017.245 2.119.066 - 37.855.213
6.760.718 43.260.374 37.218.530 74.749.011 8.652.483 7.241.505 50.869.349
- 9.887.837 28.342.403 - - - 14.171.201
6.760.718 33.372.538 8.876.127 74.749.011 8.652.483 7.241.505 36.698.147
- - - - - - -
- 1.698.776 7.666.961 - 317.410 - 1.694.852
-
2.809.562 1.698.776 7.666.961 2.587.779 317.410 2.039.488 1.694.852
171.886.302 139.365.789 110.465.741 11.341.778 7.241.505 179.224.316
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 259
Page 262
30 September 2025
No ASF Component Outstanding Value Based on Remaining Period
No Period <6 months ≥6 months - 1 year
15. Total HQLA in the framework of calculating the NSFR
16. Deposits with other financial institutions for operational 3,100,453 - -
purposes
17. Loans classified as Current and Special Mention (performing) - 87,293,914 42,691,606
and marketable securities
18. To financial institutions guaranteed by HQLA Level 1 - 2,887,661 -
19. To financial institutions that are not guaranteed with Level 1 - 12,499,760 3,454,483
HQLA and loans to financial institutions without collateral
20. To non-financial companies, individual customers and - 71,131,447 38,227,873
Review
Operational
customers of micro and small businesses, the Government of
Indonesia, governments of other countries, Bank Indonesia,
central banks of other countries and public sector entities,
including:
21. Meet the qualifications to get a risk weight of 35% or less, - - -
according to the SE OJK ATMR for Credit Risk
22. Residential mortgage backed loans that are not being - - -
guaranteed, which include:
23. Meet the qualifications to get a risk weight of 35% or less, - 775,046 778,650
according to the SE OJK ATMR for Credit Risk
24. Securities that are not being pledged as collateral, are not - - 230,600
default on payment, and are not included as HQLA, including
shares traded on an exchange
25. Assets with interdependent liabilities pairs - - -
26. Other Assets: 712,749 6,379,310 215,492
27. Physical commodities that are traded, including gold -
28. Cash, securities and other assets recorded as initial margin - -
for derivative contracts and cash or other assets submitted as
default funds to the central counterparty (CCP)
29. NSFR derivative assets 0 -
30. NSFR derivative liabilities before deduction with variation margin 216 154,906
31. All other assets that are not included in the above categories 712,749 6,379,094 60,586
32. Off Balance Sheet 103,284,523 3,007,854
33. Total RSF
34. Net Stable Funding Ratio (%)
Consolidated Analysis
The Net Stable Funding Ratio (NSFR) of Danamon in December 2025 for Bank’s consolidated position was 117.86%, decrease compared
to the position in September 2025 of 123.15%. Overall, during Quarter IV/2025, Danamon’s consolidated NSFR was always above the OJK
requirement of a minimum of 100%.
Danamon’s consolidated Total Available Stable Fund (ASF) for the position in December 2025 is IDR179.22 Trillion (weighted value) with
the largest component coming from deposits originating from individual customers and funding originating from micro and small business
customers amounted by IDR70.21 Trillion (weighted value) and Capital by IDR56.45 Trillion (weighted value).
Compared to the position in September 2025, total ASF has increased by IDR7.34 Trillion (weighted value) mainly due to increase in funding
originating from Corporate customers by IDR7.61 Trillion (weighted value) and capital by IDR1.28 Trillion (weighted value).
Danamon’s total Required Stable Fund (RSF) on a consolidated basis is IDR152.07 Trillion (weighted value) with the largest component
coming from loans in the Current and Special Mention category (performing) and non-default securities amounted by IDR131.74 Trillion
(weighted value) and other assets by IDR17.21 Trillion (weighted value).
260 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 263
(in IDR million)
31 December 2025
Total Weighted Outstanding Value Based on Remaining Period Total Weighted
≥1 year Value No Period <6 months ≥6 months - 1 year ≥1 year Value
1,039,210 1,295,053
- 1,550,227 2,402,263 - - - 1,201,131
81,481,377 118,778,036 - 88,348,976 41,221,665 94,994,241 131,738,241
- 288,766 - 1,826,886 - - 182,689
7,766,438 11,368,644 - 12,876,138 1,875,143 7,582,648 10,451,641
57,848,273 95,605,448 - 72,715,493 38,249,768 71,007,616 109,051,504
Review
Operational
- - - - - - -
- - - - - - -
14,318,181 10,083,666 - 792,508 797,625 14,522,893 10,234,947
1,548,486 1,431,513 - 137,950 299,129 1,881,084 1,817,461
- - - - - - -
11,172,580 17,576,098 796,401 5,725,121 262,905 10,905,155 17,211,758
- - -
- - - - - -
95,695 95,695 - - 42,650 42,650
148 155,270 1,643 178,386 422 180,451
11,076,736 17,325,133 796,401 5,723,478 84,519 10,862,083 16,988,657
980,469 634,084 107,394,356 5,080,844 1,566,323 623,153
139,577,654 152,069,336
123.15% 117.86%
Consolidated Analysis
Compared to the position in September 2025, the consolidated total RSF has increased by IDR12.49 Trillion (weighted value) mainly due to
increase in loans in the Current and Special Mention category (performing) and non-default securities by IDR12.96 Trillion (weighted value).
As of December 2025, Danamon does not have interdependent assets or liabilities.
The implementation of Danamon liquidity management in accordance with what have reported in the liquidity risk profile, includes the
following:
1. In terms of risk management, the BOC and BOD have awareness of liquidity management risk and is represented through the
Asset and Liability Committee (ALCO) and Risk Oversight Committee (ROC) with clear and independent duties and responsibilities.
2. In terms of risk management, Danamon has a contingency funding plan (CFP), monitoring and reporting of liquidity limits through ALCO
and ROC, managing positions and liquidity risk, as well as funding strategies and policies/procedures as well as monitoring liquidity risk
limits and reviewed regularly.
3. Danamon has and implements a liquidity risk management process, independent human resources and a liquidity management
information system.
4. Danamon has a sufficient risk control system through a risk management unit and a compliance unit that is independent from the
operational unit and Line of Business.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 261
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b. Net Stable Funding Ratio (NSFR)
In accordance with regulatory requirement, Danamon also applies the calculation of the Net Stable
Funding Ratio (NSFR). NSFR is defined as the ratio of Available Stable Funding (ASF) and Required
Stable Funding (RSF). ASF is the amount of stable liabilities and equity over a period of 1 (one) year to
fund Danamon activities, while RSF is the amount of assets and administrative account transactions
that need to be funded by stable funding. The purpose of this ratio is to measure Danamon’s liquidity
resilience through a stable funding profile in accordance with the composition of the on- and off-
balance sheets. The minimum limit that must be met in accordance with regulatory provisions is 100%.
c. Maximum Cumulative Outflow (MCO)
MCO measures forecast the liquidity profiles of Danamon under defined scenarios with specified
survival horizons and calibrated assumptions.
Review
Operational
For assessing liquidity adequacy, liquidity profiles are forecast at specified tenor buckets on a
cumulative basis. To remain solvent, Danamon needs to ensure that either a positive cash flow is
maintained in each maturity bucket or sufficient cash can be generated from a source of funding to
satisfy the funding requirements on a daily basis.
Scenarios are crafted to set the underlying market and Bank-specific conditions and severity on which
the cash flow profile is forecast in assessing liquidity adequacy. The scenarios used for liquidity risk
management are:
• Baseline or Business as Usual (BAU)
• General Market Stress Test or Systemic Problem
• Bank Specific Crisis or Name Problem
d. Large Fund Provider (LFP)
As explained in the previous section, as part of its funding strategy, Danamon monitors the concentration
of funding towards large funding providers (LFP). In general, this monitoring aims to limit dependence
on certain funding providers, which could otherwise cause problems with Danamon’s liquidity position
in the event of large withdrawals of funds.
TABLE 28. ENCUMBRANCE (ENC)
(in IDR million)
a b c d
Assets held or
agreed with the
Encumbered Unencumbered
central bank but Total
Assets Assets
not yet used to
generate liquidity
Cash and Cash Equivalent - - 2,869,077 2,869,077
Part of the placement with Bank Indonesia that - 7,690,446 16,792,649 24,483,095
can be withdrawn during stress
Securities issued by the Central Government and - 6,478,994 15,684,422 22,163,416
Bank Indonesia in Rupiah and foreign currencies
Securities in the form of debt securities issued by - - 241,603 241,603
non-financial corporations that meet the criteria
of Article 11 paragraph (1) letter b POJK No. 42/
POJK.03/2015 regarding LCR
Securities in the form of debt securities issued - - 268,088 268,088
by corporations that meet the criteria of Article 12
paragraph (1) letter b POJK No. 42/POJK.03/2015
regarding LCR
Qualitative Analysis
At the end of December 2025, Danamon have assets classified as encumbered assets, also had assets that were kept or agreed with the
central bank but had not yet been used to generate liquidity, in the form of Rupiah and foreign currency statutory reserves of IDR 7.69 Trillion
and the Macroprudential Liquidity Buffer (PLM) of IDR6.48 Trillion.
Overall, Danamon has assets that qualify as HQLA of IDR50.03 Trillion, which is dominated by Securities issued by the Central Government
and Bank Indonesia.
262 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Contingency Funding Plan
An event of liquidity stress is an emergency situation with the potential to have a substantial impact on
Danamon liquidity position. To anticipate a liquidity crisis, Danamon maintains a Contingency Funding
Plan (CFP), which formally establishes strategies to face a liquidity crisis and procedures to compensate
for cash-flow deficits during emergency situations. A CFP should comprehensively describe contingency
management strategies, escalation procedures, and responsibilities for addressing liquidity stress.
With regards to the CFP, there are indicators that represent external factors (market Indicators) and internal
factors, namely CFP Monitoring, with the following indicator details:
Internal Indicators Market Indicators
• Macroprudential Intermediation Ratio • Rupiah exchange rate against the US dollar
• Liquidity Coverage Ratio • Inflation rate
Review
Operational
• Stress Test Maximum Cumulative Outflow • Trade Balance
• Credit Rating
• IDR Interbank ON Rate Spread over Deposit Facility
• Government Bond Yield
• Credit Default Swap (CDS) Spread
• JCI
• Import & Debt Cover
4. Operational Risk • The ORM Division, in collaboration with
the Information Risk Management (IRM)
The definition of operational risk is specified in Division, the Compliance Unit, and the
OJK Regulation No. 18/POJK.03/2016. Operational Legal Division, functions as the second
risk is a loss arising from the inadequacy or line of defense, responsible for overseeing
failure of internal processes, human error, system operational risk management at Danamon.
failure, or a problem caused by an external event The ORM Division is tasked with designing,
that affects the Bank’s operational activities. defining, developing, and maintaining
the overall operational risk framework,
Danamon’s approach to operational risk monitoring its implementation by RTUs,
management is to define the best mitigation ensuring the adequacy of controls over
strategy to get an optimum balance between policies and procedures, and serving as
operational risk exposure, the effectiveness the coordinator/facilitator for effective
of control mechanisms, and to create a risk operational risk management activities.
appetite as a Danamon strategy by consistent • Meanwhile, the Internal Audit Working
implementation of an Operational Risk Unit (IAWU) operates independently as
Management (ORM) framework. the third line of defense, responsible for
identifying weaknesses in operational
Major components of the Operational Risk risk management and assessing the
Management Framework that are consistently implementation of the operational risk
applied are: management framework to ensure it is
conducted in accordance with applicable
a. Three Lines of Defense regulations.
In the implementation of the ORM framework,
the Three Lines of Defense concept is applied, b. Operational Risk Management
as elaborated below: The operational risk management framework
• Line of business and Supporting Functions of Danamon and its Subsidiary is implemented
act as the owners of the risk management in an integrated manner.
process. ORM within Business Lines/
Supporting Functions and the Internal
Control Functions within each Risk-
taking Unit (RTU) serve as the first line
of defense in enforcing daily operational
risk management. They are responsible
for identifying, managing, mitigating, and
reporting operational risks.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 263
Page 266
The process involves:
1. Risk identification, which is used to identify and analyze inherent risks in new products, services,
and processes, as well as to ensure adequate preventive control over all processes.
2. Risk assessment at the operating unit level is supported by the Risk/Loss Event Database (R/LED),
Self-Raise, Risk Control Self-Assessment (RCSA), and Key Risk Indicators (KRI) to assess Danamon’s
risk profile quantitatively and to identify the effectiveness of operational risk management.
The measurement of operational risk uses the Standardized Measurement Approach based on
SEOJK No. 6/SEOJK.03/2020.
Danamon’s individual and consolidated quantitative operational risk disclosures are illustrated in the
following tables.
Review
Operational
TABLE 29. QUANTITATIVE EXPOSURE OF OPERATIONAL RISKS
i. Bank only
(in IDR million)
No Details 31 December 2025 31 December 2024*)
1. Business Indicator Components (BIC) 860,004 812,321
2. Internal Loss Multiplier (ILM) 1 1
3. Operational Risk Minimum Capital (ROC) 860,004 812,321
4. RWA for Operational Risks 10,750,046 10,154,012
*)
restated
ii. Bank as Consolidated with Subsidiary
(in IDR million)
No Details 31 December 2025 31 December 2024*)
1. Business Indicator Components (BIC) 1,017,921 957,463
2. Internal Loss Multiplier (ILM) 1 1
3. Operational Risk Minimum Capital (ROC) 1,017,921 957,463
4. RWA for Operational Risks 12,724,018 11,968,282
*)
restated
3. Operational risk is monitored through Insurance Management implementation
periodic reports on the management by the is done as a major operational risk
Risk Management Committee to identify mitigation effort and is conducted in a
emerging issues related to weaknesses well-coordinated manner to ensure an
or failures in the implementation of control optimum balance between operational
functions. risk exposures, effectiveness of control
mechanisms, insurance coverage,
In addition, one of the primary mitigations premium expenses, and Danamon’s risk
of operational risks is the implementation appetite.
of comprehensively coordinated insurance
through maximum insurance policy One controlling function is the
coverage of Danamon’s operational risk implementation of Quality Assurance/
exposure. Internal Control in each unit at Danamon,
which refers to the general practices
4. Risk control is conducted by ensuring in the industry, the application of
operational policy and control adequacy quantitative measurements of bank-
in all operational procedures to mitigate wide control effectiveness, and cross-
operational risks. validation with a control mechanism
conducted by independent parties
264 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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(Internal Audit Working Unit (IAWU)). The Cyber Risk Management Policy provide
The focus of QA for this year and the the minimum requirements for the
years to come is to enhance QA inspection implementation of information security
methods and develop an integrated, at Danamon, which all employees (both
effective, measurable, and informative permanent and contract) must comply with,
QA application system, which will be including third parties who work and gain
implemented across the QA Units in access to Danamon’s information.
Danamon and its Subsidiary.
The Cyber Risk Management Policy was
c. Supporting Infrastructure developed by adopting international standards
The implementation of the comprehensive that regulate Information Security, i.e.
operational risk management process is ISO 27001. Additionally, it also takes Indonesian
supported by the ORMS (Operational Risk laws and regulations into consideration.
Review
Operational
Management System), an internally designed
real-time online tool to strengthens the The key to success in implementing the
capture, analysis, and reporting of operational aspects of Information Security as governed
risk data by enabling risk identification, by the Cyber Risk Management Policy is
assessment/measurement, monitoring, and the awareness, culture, commitment, and
control/mitigation, which is conducted in an collective efforts of all lines of business
integrated manner. and support functions at Danamon, starting
from the employee level up to the senior
d. IT & Cyber Risk Management management level.
Risks generated by the extensive use of
Information Technology systems in supporting e. Business Continuity Management (BCM)
the business processes are identified as a BCM was developed to improve Danamon’s
subset of the operational risks in the Enterprise resilience and establish preventive measures
Risk Management framework. to respond to all incidents that may disrupt
the continuity of Danamon’s activities,
As such, in managing the technology related regardless of the causes. This includes risks
risk, in general, the implementation refers to classified as low probability-high impact
the bank-wide agreed process related to the in order to safeguard the stakeholders’
risk management cycle, which is governed interests, reputation, brand, and valuable
by the Operational Risk Management Policy, business activities, as well as to increase
including: Danamon’s resilience. The management and
• Risk identification, which is used to identify implementation of BCM in Danamon does
and analyse inherent risks in the use of not only focus on handling disturbances
information technology to support any new such as natural disasters, but also focuses
products, services, and processes, as well on and covers deviations that might threaten
as to ensure adequate preventive controls Danamon’s operational strategic plans.
over all processes.
• Risk assessment at the information The Business Continuity Management policy is
technology operating unit level, which is managed by the Operational Risk Management,
supported by the Risk/Loss Event Database Fraud, and QA – Risk Management Division,
(R/LED), Risk Control Self-Assessment and its implementation is managed by the
(RCSA), and Key Risk Indicators (KRI), to Sustainability Finance Division.
assess Danamon’s risk profile related to
information technology. f. Fraud
Danamon mitigates and manages risks
Nevertheless, on a broader scale, specific arising from fraud based on the framework
process implementation of risk management of the anti-fraud strategy as set forth in the
related to the use of information technology “Anti-Fraud Management Policy and
refers to the frameworks under the Cyber Risk Framework,” which has been implemented
Management Policy. nationally in Danamon and its Subsidiary.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 265
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These policies and strategies are in line with POJK No. 12 of 2024 concerning the implementation of
anti-fraud strategies for Financial Service Institutions, which Danamon has reported to the OJK every
half year.
Danamon has consistently implemented the four pillars of the fraud control strategies, which consist of
prevention, detection, investigation, reporting and sanctions, and monitoring, evaluation, and follow-up.
Danamon has implemented this strategy with various initiatives by involving employees and systems,
including continuous improvement of internal controls effectiveness, active supervision by management,
as well as culture development and concern for anti-fraud across all levels of Danamon’s organization.
Investigation,
Monitoring, Evaluation,
Prevention Detection Reporting, &
& Follow Up
Review
Operational
Sanction
Fraud can affect any part of an instituation and the Bank needs to remain vigilant and put more
emphasis on internal control and risk management
5. Legal Risk a. Danamon Legal Risk Management
Organization
Legal risk is risk caused by lawsuits and/or Legal risk in Danamon is managed by a
weaknesses of juridical aspects. Legal risk occurs team coordinated by the Legal Division and
due to, among others, litigation factors, absence lead by the Head of Legal Counsel. In the
of supporting statutory regulations factors, implementation of legal risk management,
or weaknesses in contract execution factors, the legal risk management team under the
such as unfulfillment of validity conditions of Legal Division cooperates with the relevant
contractor or imperfect execution process of working units, namely the Service Excellent
collateral documents. Legal risk is one of the & Customer Care Division, Industrial Relation
important aspects because the Financial Services Division, Consumer Collection Division,
Authority (OJK) may issue an order to stop Litigation Division, Sharia Banking, and
Danamon and/or its Subsidiary’s products in the Remedial Division.
event that the implementation of Danamon and/
or its Subsidiary’s products is deemed or has the b. Legal Risk Management Policies and
potential to significantly increase legal risk due to Procedures
complaints or demands from customers. Danamon has already established a Legal
Framework and Standard Operation
As Danamon and/or its Subsidiary’s expand their Procedure (SOP) of Legal Risk Profile,
business coverage and develop highly dynamic which are evaluated periodically based on
products that influenced by many factors, the level Danamon’s internal/external development,
of legal risk becomes an aspect that needs to be regulatory changes, and compliance with the
properly managed. Essentially, the main objective Financial Services Authority (OJK) regulations
of legal risk management implementation is to on risk management.
ensure that the risk management process can
minimize the possibility of negative impacts of c. Legal Risk Management and Control
juridical weakness, absence and/or amendments Mechanism
of laws and litigation processes in the activities of Legal Risk Management is conducted through
Danamon and/or its Subsidiary. a process of identification, assessment,
monitoring, and risk control, as well as
266 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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through a management information system. 6. Strategic Risk
In the identification process, all lines of
business, support functions, and Subsidiary Weaknesses or inaccuracies in strategy
are required to identify and analyze factors formulation, as well as failure to anticipate
that can lead to the occurrence of legal risks changes in the business environment, could
in the lines of business, products, processes, cause strategic risk. Strategic risk management
and information technology that have an is intended to address a variety of risks due
impact on Danamon’s financial position and to inadequate strategy establishment and
reputation. Risk identification also includes implementation.
legal risk assessments arising from operational
activities/products/agreements to: a. Strategic Risk Management Organization
• Protect the interest of Danamon and/or its The Strategic Risk Unit plays a role in
Subsidiary, individually or consolidated, managing strategic risk and is under active
Review
Operational
and supervision of Danamon’s BOC, BOD, and
• Have and exercise legal rights according to Sharia Supervisory Board. Danamon’s
prevailing laws and regulations. Strategic Risk working unit covers all line of
business and support functions which work
In assessing the inherent risk of legal risk, the closely with the Financial Planning Division of
following parameters/indicators are used: the CFO Directorate to analyze and monitor
• Litigation factors. strategic risk.
• Weaknesses in legal binding factors.
• Absence/changes in laws and regulations b. Strategic Risk Management
factors. The implementation of strategic risk
management involves active oversight of the
In relation to the implementation of legal risk BOC, BOD, and Sharia Supervisory Board.
management, Danamon has implemented the
following: The BOD and the BOC are responsible for
• Implementation of legal risk monitoring by preparing and approving Bank’s strategic
Danamon Senior Management (especially plan and business plan which includes legal
for high-risk legal cases). regulations and communicate to Bank’s
• Development of Legal Framework and employees in every level organization. BOD
Standard Operation Procedure (SOP) also hold responsibility for Risk Management
for Legal Risk Profile, which regulates implementation on Strategic Risk.
the identification and mapping of legal
risks, including the mitigation and matrix Meanwhile, Sharia Supervisory Board is
parameters for the inherent risk and quality responsible for conduct periodic evaluations
of legal risk management implementation. and provide directions for improvement
related to fulfillment of Sharia Principle.
The implementation of a comprehensive legal
risk management process with the monitoring c. Inherent Strategic Risk
of legal risks is expected to be consistent, with Danamon and its Subsidiary have run proper
active participation of all concerned parties. management of inherent strategic risks. In
With the Legal Division as the division in charge, principle, Danamon and its Subsidiary have a
the existing legal risks are expected not to clear and well-defined vision and mission with
exceed the risk appetite previously determined clear and measurable achievement steps.
by Danamon’s management. To ensure the
improvement quality of legal risk management,
Danamon regularly provides legal training/
socialization for employees.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 267
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Danamon and its Subsidiary anticipate more In implementing compliance risk management,
intensified competitive and diverse business Danamon monitors its compliance risk both
competition by providing maximum service individually (including the UUS) and on a
to existing customers and potential new consolidated basis with its Subsidiary. With
customers. To support the strategic initiatives, Danamon’s approval as the Operational Financial
Danamon and its Subsidiary will continue to Holding Company (FHC) of the MUFG Financial
improve collaboration and synergy with MUFG Conglomeration (FC), the management of the
and other related entities within the group. MUFG FC is carried out based on the principle of
Furthermore, Danamon and its Subsidiary prudence, including good corporate governance
will continue to improve human resource and compliance risk management for the FC.
capabilities, optimize banking service through
branch network transformation and digital a. Compliance Risk Management Organization
development, and invest in operational The Board of Directors and the Board of
Review
Operational
process improvement. Danamon and its Commissioners actively supervise the
Subsidiary will remain selective and prudent in implementation of risk management, including
providing loans and maintaining asset quality. compliance risk, through regular meetings of
the Risk Management Committee and the Risk
d. Strategic Risk Management Implementation Oversight Committee meetings. This oversight
Quality is conducted to ensure the effectiveness of
The implementation of risk management has compliance risk management in supporting a
been accomplished with satisfactory rating. Compliance Culture at all levels of Danamon’s
Nevertheless, Danamon and its Subsidiary organization and business activities.
continue to improve upon it. The formulation
of an acceptable risk level (risk appetite) is The Sharia Supervisory Board (SSB) actively
sufficient in the form of limits, policies, and supervises the implementation of risk
procedures for risky processes. Risk managers management, including compliance risk
in each division and Subsidiary are in placed related to the fulfillment of sharia principles, by
to support the implementation of the business conducting supervision and evaluation as well
strategies that have been formulated. as attending periodic meetings with the Board
of Directors and the Board of Commissioners.
Danamon and its Subsidiary continue to
monitor various relevant strategic risk Danamon has a Director in charge of the
elements and regularly update the mitigation compliance function (Compliance Director)
action plan in response to the dynamic who meets independence requirements and
business environment. does not hold concurrent positions prohibited
by regulations.
7. Compliance Risk
The Compliance Director is supported by
Compliance risk is the risk that arises when the the Compliance Working Unit (CWU), which
Bank fails to comply with and/or implement laws, consists of the Regulatory Compliance
regulations, and provisions, including Sharia & Advisory Division and the Regulatory
Principles for the Sharia Business Unit (UUS). Compliance & Assurance Division. These
independent divisions carry out compliance
Danamon implements compliance risk functions as stipulated by the regulations of
management to minimize the potential negative the OJK, BI, and other laws and regulations,
impact resulting from Danamon’s failure to comply including Sharia principles for the UUS.
with or implement regulations and provisions
issued by Supervisory Authority or Regulators. b. Compliance Risk Management Policy and
Strategy
The implementation of compliance risk Danamon has established a Risk Management
management is tailored to the size and complexity Policy that governs the Risk Management
of Danamon’s business. Framework for the Bank and its Subsidiary,
as well as the comprehensive implementation
of risk management for each type of risk,
including UUS activities.
268 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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For the implementation of the compliance a. Reputation Risk Management Organization
function, Danamon has developed policies Danamon’s reputation risk is managed by
and reference frameworks that are reviewed the Corporate Secretary Working Unit, which
periodically, which can also serve as coordinates with unit that handle customer
guidelines for Subsidiary in carrying out complaints, Finance unit, Consumer Funding
their compliance functions. The strategy for & Wealth Business unit, unit that handle
managing compliance risk is implemented in Corporate Communications and Sharia
line with the risk appetite and risk tolerance Business Unit.
set by the Bank.
Consolidated reputation risk management
c. Compliance Risk Management is managed through collaboration with the
Implementation Process risk teams of Subsidiary. Danamon as the
Compliance risk management is carried Operational FHC of the MUFG Financial
Review
Operational
out through steps designed to control and Conglomeration, Danamon also monitors
minimize compliance risks, including: reputational risk in an integrated manner
• Providing socialization of regulations and within the MUFG Financial Conglomeration.
training (e-learning) to strengthen and
enhance awareness and the culture of b. Policy and Mechanism of Reputation Risk
compliance. Management
• Conducting gap analysis, analyzing the Danamon has a Risk Management Policy
impact of new regulations, and proposing and standard operational reputation risk
adjustments to internal policies and procedures. The mechanism of reputation risk
procedures. management refers to regulations that focus
• Performing compliance reviews on the on the following:
implementation of applicable regulations. • Negative news related to the owner of
• Monitoring the fulfilment of commitments Danamon and/or companies related to
to authorized Regulators. Danamon.
• Conducting self-assessment of • Violation of common practices of business
compliance risk. ethics/norms.
• The amount and level of customer usage
d. Internal Control of Danamon’s complex products and the
Internal control over the implementation of amount and materiality of Danamon’s
compliance risk management is reviewed by cooperation with its business partners.
an independent unit, namely the Internal Audit • Frequency, types of media, and materiality
Working Unit (IAWU), and by external parties, of negative publicity of Danamon.
namely the Regulator. • Frequency and materiality of customer
complaints.
8. Reputation Risk
c. Risk Management During Crisis
Reputation risk is a risk due to decrease in Danamon has reputation risk management in
stakeholder’s level of confidence that comes place during a crisis.
from negative perception of the bank, triggered
by a variety of undesirable events, such as Danamon always strives to implement high
negative publicity on the bank’s operations, a standards of reputation risk management
violation of business ethics, customer complaints, through continuous improvement and updates
governance weakness, corporate culture of governance, policies, appropriate procedures,
and other events that may impair the bank’s utilization of improved information systems, and
reputation. continuous improvement of the quality of human
resources.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 269
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9. Investment Risk Danamon’s UUS has a working unit responsible
for analysing reports containing actual the
Investment Risk arises because Danamon and/ realization with the business targets. Danamon
or its Subsidiary also bears the loss of customer maintains adequate infrastructure to monitor the
business financed under a profit-loss sharing business performance and operations of those
basis that both using profit and loss sharing or financed by the Bank, or who are regarded as
net revenue sharing method. Investment risk is partners.
applied for UUS.
Risk management involves oversight of the
The investment risk solely arises from the Board of Directors, Board of Commissioners, and
distribution of financing based on profit-sharing, Sharia Supervisory Board in its implementation.
whether in the form of mudharabah contracts or Committees have been set up to support this
musyarakah contracts (for example, mudharabah, function, the Bank established a Risk Monitoring
Review
Operational
musyarakah, and mutanaqishah musyarakah or Committee, Risk Management Committee, and
MMQ). Asset & Liability Management Committee.
Financing based on a mudharabah contract The SSB conducts periodic evaluations of the
takes the form of business cooperation between Risk Management policies and procedures for the
Danamon, which provides all the capital, and Bank’s Investment Risk related to the fulfillment of
the customer, who acts as fund manager, Sharia Principles, evaluates the accountability of
by sharing in the profits of the business, based on the Board of Directors, and provides direction for
the contract agreement, while the loss will be fully improvements in the implementation of the Risk
borne by Danamon unless the customer is proven Management policy for Investment Risk related to
to have committed wilful misconduct, is negligent, the fulfillment of Sharia Principles.
or has violated the agreement.
The implementation of investment risk
Financing based on a musyarakah contract takes management is regulated in the Risk Management
the form of cooperation between Danamon and Policy - Bank and Consolidation, which is reviewed
its customers for a certain business, in which periodically. Limits are set in accordance with
each party invests a certain portion of funds, the setting of parameters and thresholds for the
under the provision that the profits will be shared investment risk profile.
based on an agreement, while any loss will be
borne by all parties, according to the respective Investment Risk Mitigation
funding proportions. The periodic monitoring of risks taken in
accordance with risk appetite and business
Musyarakah mutanaqisah or MMQ is musyarakah performance remains within the desired limits.
or syirkah, where the ownership of assets
(goods) or capital of one syarik (Bank) is reduced To prevent any breach on the part of customers
because of gradual purchases by other parties and as collateral for Danamon if customers
(customers). should make intentional mistakes, be negligent, or
violate agreements, Danamon requests collateral
Organization and Policy of Investment Risk from customers who are financed. Collateral type
Management and collateral assessment follow the prevailing
Investment risk organization and policy is the collateral policies that applied in financing
same as Credit Risk Organization, given that both business in general.
risks arise from financing activities.
270 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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10. Rate of Return Risk
Rate of Return Risk arises from changes in the
level of return rates paid by Danamon to a customer,
due to changes in returns received by the Bank
and/or from the financing, which can affect the
behaviour of funding a third-party customer of
Danamon. Rate of Return Risk Management also
applies to the UUS.
Active oversight of the Board of Directors, Board
of Commissioners and Sharia Supervisory
Board, also the Return Risk Management Policy
Review
Operational
Risk management involves oversight of the
Board of Directors, Board of Commissioners, and
Sharia Supervisory Board in its implementation.
To support the oversight function, the Bank
established a Risk Monitoring Committee,
Risk Management Committee, and Asset &
Liability Management Committee.
The SSB conducts periodic evaluations of the
Risk Management policies and procedures for
the Bank’s Return Risk related to the fulfillment of
Sharia Principles and evaluates the accountability
of the Board of Directors, and provides direction
for improvements in the implementation of the
Risk Management policy for Return Risk related
to the fulfillment of Sharia Principles.
The implementation of return risk management is
regulated in the Risk Management Policy - Bank
and Consolidation, which is reviewed periodically.
Limits are set in accordance with the setting of
parameters and thresholds for the return risk
profile.
Rate of Return Risk Mitigation
Monitor the rate of returns of the Bank every
month compared with the returns of other Banks
and maintain the composition of the source of
funding from third-party funds with low yields.
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HUMAN CAPITAL
MANAGEMENT
Human Capital focused on workforce optimization,
fostering a high-performance culture, implementing
compensation strategies, succession planning
and multi-career path (MCP) development,
Review
Operational
enhancing employee capabilities and capacity,
system development, process simplification and
automation, as well as preserving harmonious
industrial relations.
Throughout 2025, Danamon successfully maintained Process digitalization has been optimized through
labor costs in line with the Bank targets through payroll automation, simplification of insurance
variable cost control and internal talent development. management and employment certificate issuance,
as well as the renewal of recruitment methodology.
During the same period, Human Capital focused on Automation and process simplification have
workforce optimization, fostering a high-performance increased process speed. The implementation of
culture, implementing compensation strategies, the Eazy platform and virtual assistance has further
succession planning and multi-career path (MCP) accelerated processes and improved data accuracy.
development, enhancing employee capabilities and
capacity, system development, process simplification Throughout 2025, the IMPACT mentorship program,
and automation, as well as preserving harmonious Women Empowerment initiatives, and leadership
industrial relations. training in collaboration with MUFG Group were
carried out with the aim of strengthening cross-entity
From 2022 to 2025, the Bank consistently succeeded synergy and global talent development. In addition,
in reducing the attrition rate in the Company. to enhance knowledge and capabilities, the Bank
also organized best practice sharing forums among
The remuneration policy is formulated based on Partner Banks.
the principle of meritocracy, whereby the Company
provides rewards according to competence and work Industrial relations also remain a key focus through
performance. This policy is implemented through the the implementation of the Collective Labor
SIPASTI strategy, consistently applied in the form of Agreement (CLA) for the 2024–2026 period, ongoing
short-term and long-term incentives, both financial communication with labor unions, compliance with
and non-financial. labor regulations, and continued efforts to enhance
employee engagement through D’ Club activities. In
The successor pipeline continues to be strengthened, 2026, in line with the expiration of the current CLA
with most employees approaching retirement being period, negotiations will be conducted for the 2026–
replaced by internal successors. This supports 2028 period.
leadership continuity and long-term career
development.
272 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 275
Recruitment and Selection Complementing the Danamon Bankers Trainee (DBT)
The staffing process throughout 2025 proceeded program, which has now reached its 29th batch,
according to plan. The primary fulfillment was Danamon is also developing specialized programs
sourced from fresh graduates through the Danamon based on sectors, such as in IT and Sales.
Bankers Trainee (DBT), Danamon Banking Officer
(DBO), and Danamon Small Medium Enterprise Training and Development
Trainee (DST) programs. In the era of globalization and rapid technological
advancement, companies are compelled to make
The focus in 2025 was on developing internal talent continuous adaptations and innovations to remain
and boosting productivity. Several strategic initiatives competitive. Employee training and competency
were implemented, such as enhancing the Multi development become essential elements to support
Career Path (MCP) implementation compared to the the Company’s internal progress and drive business
previous year. innovation.
Review
Operational
To support its growing business development, In 2025, the majority of employees completed
Danamon seeks candidates and talent from external training programs that focused on technical skills
sources by utilizing social media, career websites, and soft skills. The most attended topics included
and artificial intelligence. These include LinkedIn, the Financial Advisory, Danamon Leadership Academy,
Staff Get Staff referral program, and other strategies and Conflict Resolution, along with the introduction
such as campus hiring and virtual career fairs. of new modules such as Leveraging Data Insight and
Professional Business Ethics.
Other than that, Danamon continues to collaborate
and supports career sponsorship and webinars To prepare sales personnel, Danamon organizes
with prominent universities and organizational a structured learning training specifically for the
communities. Danamon also provides internship Branch Network called the Branch Sales Academy
opportunities for final semester college students, for (BSA). This training includes the development of
example, through the Dayatara Program (Internship sales skills, product understanding, and effective
for the Disabled), the Magang Berdampak Program, communication techniques, enabling participants to
and the Magang Hub Program, which aims to prepare offer the best customer service and deliver against
them for the real work environment. the stated sales targets.
Danamon has launched the Women Mentorship To encourage internal promotions and adopt
Program in collaboration with IGNITE. The program more diverse career paths so employees have
provides female leaders from various directorates opportunities to grow, the number of DBO intakes
with the opportunity to participate in exclusive will be maintained every year. The pro-hiring
mentoring sessions with senior female leaders strategy will also be strengthened through more
(C-suite level) from Danamon, MUFG Jakarta, aggressive employer branding across social media
Adira Finance, Home Credit Indonesia and the platforms, posting Sales job vacancies widely, and
IGNITE network. The program aims to strengthen building partnerships with third parties such as Sales
leadership competencies, broaden strategic insights headhunters. Collaboration with private universities
and encourage the creation of an inclusive and and alumni across regions in Indonesia will continue
competitive professional network. to be enhanced, along with the rollout of a more
extensive “Staff Get Staff” program.
Fresh Graduate and Internal Development programs
also played a key role in supplying high-quality In addition, collaboration with Partner Banks included
talent. Additionally, the full rollout of the Danamon secondment programs and working groups for the
Leadership Academy and Branch Sales Academy 2026 rollout. The Joint Leadership Training Program
strengthened leadership capabilities and sales skills at INSEAD Singapore was attended by participants
across the organization. from MUFG Group and affiliates, reinforcing global
synergy.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 273
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Danamon also held an Executive Leadership Innovation Race (DIR) program as a competition for
Academy (ELA) program. ELA is a leadership innovation and business process improvement for
development initiative organized by MUFG Group, work process effectiveness and business growth, and
involving participation from various entities, including a survey program to listen to feedback from internal
Danamon, Adira Finance, Home Credit Indonesia, customers and measure service levels through Voice
and Zurich. This program is designed to strengthen of Internal Customer (VoIC).
strategic competencies and global leadership
capabilities through intensive learning and cross- Danamon also continues to build a more inclusive work
border experiences. environment by holding an internship program for
talents with disabilities called the Danamon Berdaya
Talent Management and Career Development Mengusung Kesetaraan (Dayatara Program), where
To maintain the bank’s talent pool and continuously talents with disabilities get the opportunity to intern
evaluate its resource strength (bench strength) for for 6-12 months in various divisions/directorates. It
Review
Operational
development programs and to increase employee is hoped that this program will help them gain work
engagement across the organization, Danamon experience that can support their future careers.
implements a talent management program based
on performance and leadership potential. This Industrial Relations
program determines the availability and readiness To ensure compliance with labor regulations and
of individuals to become leaders, particularly in foster harmonious working relationships that
strategic positions within the Company. Danamon support sustainable business growth, job security,
conducts an annual talent review to determine the and improved employee welfare, Danamon remains
most appropriate development direction according committed to implementing the provisions of the
to individual potential and the needs of the position. Collective Labor Agreement (CLA) agreed upon
Furthermore, succession planning is implemented as with the labor unions. The CLA was renewed in
a mechanism to maintain the Company’s business 2024 and is effective from August 1, 2024, to July
and operational continuity by preparing future 31, 2026. Currently, there are three labor unions at
leaders with competencies and capacities aligned Danamon, reflecting the Bank’s openness to freedom
with the Company’s short- and long-term strategic of association.
direction.
In addition, to strengthen the bond between
Performance Management employees and management, Danamon supports
Performance Management and Culture employee engagement activities across all work
Strengthening locations through in-person recreational events.
Throughout 2025, the company continued to
strengthen the implementation of performance In the area of social activities, Danamon Peduli
management based on strengthening a High- Employees (KDP) run programs to assist employees,
Performance Culture. The bank continued its including support for those affected by disasters,
appreciation and reward programs for high- bereavement, medical assistance, and educational
performing employees while strengthening its aid. KDP also facilitates employees helping colleagues
mentoring, coaching, and development programs for impacted by misfortunes.
low-performing employees through the Performance
Improvement Plan (PIP) program. Danamon also promotes employee interests and
talents through D’Club, which organizes regular
To encourage a corporate culture focused on sports activities and arts programs such as dance
Corporate Values - BISA and developing an and music. D’Club activities include not only routine
Innovation and Customer Orientation mindset, the programs but also participation in events organized
Bank continued the BISA MEDAL program as an by OJK and other institutions, both governmental and
appreciation for BISA-based behavior, the Danamon private. Additionally, D’Club hosts sports tournaments
in major cities and other activities such as health
seminars and blood donation drives.
274 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Employee Remuneration and Welfare Process Improvement and HR Management
Danamon formulates its remuneration policy based on Information System
the principle of meritocracy, whereby the Company In 2025, internal system enhancements within Human
provides rewards according to competence and work Capital continued as planned. Automation, AI, and
performance. This policy is implemented through data analytics remained the core focus of Danamon’
the SIPASTI strategy, consistently applied in the s Human Capital strategy. Human Capital utilizes
form of short-term and long-term incentives, both integrated technology (SuccessFactors/SAP) as the
financial and non-financial. Employee remuneration operational basis from recruitment until termination.
components consist of fixed elements based Data analytics is also used to enhance decision-
on job value, job family, market scarcity of the making quality and support HC for the business. To
position, market benchmarks, and variable reward ensure high-quality decision-making and strengthen
components such as performance bonuses and Human Capital’s support for business, data analytics
incentives. Performance bonuses consider several is leveraged as the foundation for accurate and
Review
Operational
aspects, including the Company’s performance, objective decisions. Key initiatives include:
industry benchmarks, unit performance, and
individual performance. Incentives are provided • Payroll Processing Control Automation to ensure
for revenue-generating positions such as sales eligibility, prevent duplication, and maintain
and collections, designed to boost motivation and accurate authorization.
encourage effective sales or collection behaviors. A • Automation of Health Insurance Enrollment and
fair and balanced compensation system is expected Employment Letter Issuance, reducing processing
to foster a productive work environment, drive time thereby improving service quality.
performance, and motivate Danamon employees to • Expanded utilization of the Eazy platform,
continue contributing at a higher level. covering Talent Module development,
streamlining recruitment processes, improving
High-performing employees’ remuneration are UI/UX, and automating handover procedures
constantly evaluated from time to time, taking into and documentation. The platform also supports
account market competitiveness and alignment with referrals for Credit Card and Syariah products.
compensation strategies. • Implementation of chatbot solutions such as
Denva/DESC (Virtual Assistance), enabling
In terms of employee welfare, in addition to providing automation of reminders, notifications, visa
BPJS Health and Pension Security funds (JHT), application requests, and data collection and
Danamon offers health insurance benefits with validation from third parties using bots.
coverage under a family scheme, providing flexibility • We are improving our recruitment selection
for employees and their families. Other benefits tools by using artificial intelligence-based and
include pension funds and mortgage loans (KPR) game-based assessments. This will increase
for employees. Danamon also provides vehicle the accuracy of our recruitment and enhance
allowance facilities through the Car Ownership Cash the experience of candidates, most of whom are
Program (COCP), where eligible employees receive a currently from the Millennial and Z generations.
cash vehicle allowance in the form of a monthly cash
benefit, as well as retirement benefits in accordance
with prevailing laws and regulations.
These benefits are designed to ensure long-term
security and support for employees as they transition
into retirement, reflecting the company’s ongoing
commitment to employee welfare throughout all
stages of their careers.
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Page 278
These initiatives reflect the company’s commitment to leveraging technology for process optimization,
ensuring accuracy, efficiency, and scalability in human capital management.
Human Capital Strategy and Work Plan 2026
In 2026, Human Capital will continue to focus on three key priorities: labor cost management, internal talent
development, and productivity enhancement. The organization will also conduct a comprehensive review of its
business strategy to ensure alignment with the Bank’s long-term objectives. Efforts in upskilling and reskilling
will be expanded, particularly in mastering technologies such as Artificial Intelligence (AI) and Data Analytics.
Additionally, the implementation process of Performance Management will be strengthened to optimize both
individual and team performance. On the industrial relations front, continuous dialogue with labor unions will
be maintained, accompanied by negotiations for a Collective Labor Agreement, aiming to foster a harmonious
and productive working relationship.
Review
Operational
Overall, this Human Capital strategy reflects the company’s commitment not only to cost control but also to
building strong internal capabilities, enabling the organization to face future business challenges with greater
adaptability and competitiveness.
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Operational
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INFORMATION TECHNOLOGY AND DIGITAL
Page 281
INFORMATION TECHNOLOGY
AND DIGITAL
“Information Technology and Digital - Innovating to
Review
Operational
Empower Growth”
Danamon’s Information Technology has been a (DCW), focusing on delivering comprehensive
consistent factor in the transformation journey, information to support a more consistent and intuitive
positioning technology and digital capability as a customer experience. Concurrently, the successful
key catalyst for business growth and innovation. migration to a certified Data Center ensured greater
With a clear commitment to advance beyond resilience and scalability for the Bank’s operations.
traditional support roles, IT & Digital are focused on
creating value through the adoption of advanced Danamon continues nurturing its prominent role
technologies, artificial intelligence initiatives, in digital innovation with the successful launch of
data-driven insights, and automation. These strategic MIKA (Multi-Purpose Intuitive Knowledge Assistant),
efforts not only ensure operational reliability but an advanced Generative AI platform that is fully
also accelerate product development, optimize operational and delivering measurable impact by
business processes, and deliver superior customer supporting the Branch Network, Contact Center
experiences. Ultimately, IT and Digital will serve as Operations Policy, and Syariah teams. Looking
a core engine of innovation and competitiveness in ahead, MIKA will continue to evolve and broaden its
the digital era. scope, extending its capabilities to additional teams
and driving greater efficiency and service excellence
2025 – FOUNDATION BUILDING across the organization.
The year 2025 marked a pivotal period in which
Danamon established a robust foundation for future Development of Danamon Cash Connect (DCC) digital
growth. Throughout the year, the organization channel also continued to enhance corporate banking
achieved significant milestones that strengthened services. Key features introduced in DCC 2025
the technology landscape and enhanced overall include CNY & SAY Remittance and the FSC Invoice
capabilities. Notably, the revamped D-Bank Pro 2.0 Collection Service with Bank Guarantee Option. In
delivered a mobile banking experience that is faster, addition, Danamon continued the development on
more reliable, and better aligned with customer needs. API-SNAP in accordance with regulatory standards
The key features introduced in 2025 include FX 24/7, and prioritized customer experience by providing
enabling customers to conduct foreign exchange comprehensive sender information for Fund Transfer
buy-sell transactions at any time; the 360 Dashboard, and Virtual Account services, Direct Debit for
which provides comprehensive financial monitoring; Payment, and QRIS same day settlement for Danamon
and QRIS Cross-border, which allows customers to Merchant QR. The various enhancements reaffirm
make QRIS transactions across countries such as Danamon’s capability in delivering comprehensive
Japan, Singapore, Thailand, and Malaysia. Danamon financial solutions to meet the needs of business and
also enhanced the Danamon Corporate Website corporate customers.
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We delivered transformative technology upgrades— on the strong foundation established in 2025, we
modernizing mission-critical systems, deploying a will transform technology into a strategic advantage.
robust Data Analytics Platform, advancing payment Our mobile banking platform, D-Bank Pro 2.0, will
capabilities through BI Fast Phase 2, and upgrading continue to evolve with advanced features and
our Treasury System—strengthening resilience capabilities, delivering an exceptional and seamless
and driving innovation to enhance Danamon’s digital experience for our customers.
competitiveness. These investments enhance
agility, scalability, and competitiveness, laying a We will implement a cutting-edge data lakehouse
solid foundation for innovation and sustainable value architecture to establish a unified data platform
creation. that delivers real-time insights and predictive
intelligence across the enterprise. This initiative will
Cybersecurity remained a principal priority, reinforced enable faster, smarter decision-making and unlock
through the deployment of multiple layers of new opportunities for personalization, operational
Review
Operational
protection. Key initiatives included the incorporation efficiency, and sustainable growth.
of a mobile application shield for D-Bank Pro 2.0,
implementation of user and entity behavior analytics, Artificial Intelligence will take center stage as we
and enhanced defenses with advanced threat advance initiatives across marketing and sales,
protection. Further protective measures, such as web operations, wealth advisory, and fraud detection—
vulnerability assessments, data recovery solutions, redefining how we engage customers, optimize
and network data loss prevention, were also processes, and safeguard our business. To
adopted, ensuring comprehensive security across all accelerate this transformation, we are expanding
technology touchpoints. our Robotics Center of Excellence into the Robotics
and AI Center of Excellence (RAI), creating a unified
In parallel, we advanced process excellence as a key hub for automation and intelligent solutions that drive
enabler of operational agility. The establishment of efficiency, innovation, and competitive advantage.
the Business Process Reengineering Control Tower
and D-Champs (Danamon Champions) program At the core of our journey, we will continue to
nurtured a culture of continuous improvement. modernize and refresh mission-critical technologies
Robotic Process Automation streamlined workflows, to ensure resilience, scalability, and operational
while the Low-Code Development Center accelerated excellence. These efforts are essential to support
application delivery to meet evolving business needs. Danamon’s growing digital ecosystem and
Additionally, enhanced system and transaction enable seamless, secure services for customers
monitoring, coupled with the Testing Center of and partners. In parallel, we will strengthen our
Excellence, ensured quality, reliability, and resilience cybersecurity posture through advanced threat
across all technology deployments. detection, multi-layered protection frameworks, and
proactive risk management to stay ahead of evolving
These achievements are more than progress—they threats. By combining robust infrastructure with
form the foundation for a future where technology, cutting-edge security measures, we aim to safeguard
security, and operational excellence converge to data integrity, maintain regulatory compliance, and
deliver unparalleled value, reinforcing Danamon’s reinforce trust—creating a strong foundation for
commitment to innovation and customer-centricity sustainable growth and innovation.
while building digital strength for the future.
By embedding IT & Digital at the heart of the
2026 STRATEGY Bank’s business strategy, Danamon is committed
Digital Technology as the Catalyst for Growth to building digital strength for the future—driving
In 2026, Information Technology & Digital will advance sustainable growth, enhancing competitiveness, and
beyond its traditional support role to become a true delivering an exceptional banking experience for our
engine of business growth and innovation. Building customers.
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OPERATIONS
“Operations is committed to improving the customer
experience by streamlining processes through
broader technology utilization, enhancing human
resource competencies to increase employee
productivity and capabilities, and strengthening
internal governance and cost control. This
transformation of Operations transformation is
Review
Operational
carried out by integrating automation and analytics
solutions to accelerate transaction completion
times, minimize errors, and provide more responsive
service.”
Operations continuously conducts evaluations to ensure optimal transaction processing. The primary focus
is on improving efficiency, effectiveness, and risk control, ensuring that every transaction meets quality
standards and supports the achievement of the company’s business targets.
To continue actively supporting Danamon’s Aspirations, Operations will continue to align with the Bank-wide
Strategic Plan, with the Operations Strategic House as follows:
Overall Bank
Strategic Plan
Operational Objective
Achieve “Operational Excellence” to Deliver Better Customer Experience
Boost technology adoption Improve employee
Strengthen internal control
in transforming Operational productivity and capability/
and cost management
processes skills
Corporate values Benefit for Employees
Collaborate • Integrity • Ready to serve • Global exposure • Rise to Excellence • Achieve
Adaptive the Future • Health and Welfare
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PERFORMANCE IN 2025 B. Improving Employee Productivity and
Operations enhances the customer experience Capabilities/Upskilling
through operational transformation to optimize Improving human resource competency remains
processes and human resources, including a primary objective and is implemented through
initiatives to improve service quality and transaction various programs, including reskilling and
effectiveness and to leverage technology. upskilling, job rotation, leadership training and
The following are some of Bank Danamon’s key certification programs, and the utilization of
initiatives: technology in the banking industry. The following
programs were implemented throughout 2025:
A. Boost technology adoption in transforming 1. Providing training and development that aligns
Operational processes with business and employee needs, focusing
on reskilling and upskilling, encompassing
The following are initiatives related to system both soft and technical skills.
Review
Operational
improvement, automation, and business process 2. Implementing structured and certified training
optimization undertaken in 2025: programs to strengthen competencies in
1. Optimizing the use of RPA (Robotic Process risk management, Trade Finance Custodian
Automation) technology to increase efficiency, Banks, and collateral appraisers.
optimize processing time, and enhance 3. Encouraging employee career growth by
process accuracy in some operational areas. prioritizing internal recruitment through
2. Migrating Core Banking and Treasury systems rotation, promotion, and job function
to minimize manual input and human error and expansion.
improve Service Level Agreements (SLAs). 4. Overseeing training and certification programs
3. Continuously developing the Trade Finance for Executives, Supervisors, and Executive
system by integrating the latest technology Officers as part of the implementation of
and system versions, enhancing security, and SKKNI (Indonesian National Work Competency
automating various operational aspects for Standards) training.
greater efficiency.
4. Implementing an API-based Wholesale Deposit C. Strengthening Internal Control and Cost
automation process, supported by document Management
management and system integration. Operations focuses on strategic initiatives to
5. Development of Custodian system features strengthen internal control through reliable
to accelerate bond payments, asset/fund support systems, such as:
transfers, and reporting to regulators. 1. Continuing the development of an automated
6. Running continuous automation of bond reconciliation system to improve process
interest tax calculations, journaling, and cash efficiency where priority place on high-
projection reports. volume transactions such as BI FAST, GPN,
7. Optimizing the credit system through QRIS, credit cards, and others.
continuous development to support 2. Improving data analytics capabilities through
comprehensive and structured credit limit the use of data processing technology and
administration. the development of high-quality, scalable data
8. Developing a system to expand access to management.
transaction status information (BI FAST, SKN, 3. Implementing enhanced Exception Report
RTGS, and Remittance) for front-line units to analysis in the reporting process to both
accelerate service and enhance the customer regulators and non-regulators.
experience. 4. Managing operational costs with an analytics-
9. Implementing Gen AI technology in based approach and monthly reports to
the Operations Directorate to increase support budget optimization, increase
effectiveness in responding to questions transparency, and ensure accurate cost
and needs related to applicable policies and control.
procedures. 5. Designing and running a system that supports
10. Implementing additional functions in the Core monitoring and recording the status of policy
Banking system to speed up data correction and procedure reviews, while ensuring
and upload processes. structured and efficient document lending
management.
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6. Continuing the automation of User ID 5. Continuing the development of an integrated
management integrated with the HR system to User ID management system to improve control
improve control and expedite the management and expedite User ID management, as well as
and flow of registrations and system parameter the registration process or changes to internal
changes. parameters.
7. Transforming the organization to strengthen 6. Continuing the development of the regulatory
internal controls in line with the operational reporting process, including Antasena Reporting
strategy. and SLIK Reporting, and making adjustments in
accordance with applicable regulations.
AWARDS AND RECOGNITION IN 2025 7. Conducting training and mentoring programs
As a recognition of its ongoing commitment to to improve employee competency, including
providing excellent service, Operations received interpersonal skills such as leadership and service
awards in 2025, affirming its strategic role in meeting orientation.
Review
Operational
customer expectations. 8. Adapting and striving to optimize the use of AI
1. The 2025 Elite Quality Recognition Award: in operational activities (for control, monitoring,
presented by J.P. Morgan Chase Bank for US processing, and other functions) using the
Dollar Clearing MT 103. ‘Copilot’ application.
2. The 2025 Elite Quality Recognition Award: 9. Implementing a new Treasury system to optimize
presented by J.P. Morgan Chase Bank for US transaction input, settlement, and reporting to
Dollar Clearing MT 202. reduce manual input, minimize human error, and
3. The US Dollar Payments STP Excellence Award: improve Service Level Agreements (SLAs).
presented by Citibank for Commercial Payments.
FUTURE PLANS
As a proactive approach to business challenges
and optimal utilization of technology, Operations
will continue to review and refine systems, develop
automation initiatives, and strengthen processes
through collaboration with relevant directorates. In
terms of human resource development, Operations
will implement a learning framework specifically
designed for the operational team, while upholding
a strong risk management culture to support
operational sustainability.
The following are amongst the initiatives to undertake
under the 2026 plan:
1. Development of a Fuzzy Logic-based system to
support fund receipt transactions through SKN,
RTGS, and Remittance.
2. Further development of the bank custodian
application, focused on improving product
identification accuracy, automating tax calculation
processes, and developing additional functions
for stock and bond transactions.
3. Strengthening core banking functions in the
working capital credit process, with improved
features for monitoring transaction authorization.
4. Development of an integrated registration and
monitoring system for supporting documents
for foreign exchange transactions and derivative
instruments.
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Governance
Corporate
06
CORPORATE
GOVERNANCE
PT Bank Danamon Indonesia Tbk
2025 Annual Report
284 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 287
Governance
Corporate
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CORPORATE GOVERNANCE
Page 289
CORPORATE GOVERNANCE
“Danamon believes that the implementation of Good
Corporate Governance (GCG) is a key factor in
driving sustainable business growth and enhancing
the Company’s value.”
Governance
Corporate
In addressing the increasingly complex dynamics • The Company’s Articles of Association and
of economic and industrial development, the General Meeting of Shareholders (AGMS)
implementation of GCG constitutes a fundamental resolutions;
foundation that serves as the basic principles for • The Bank’s Corporate Governance Policy; and
corporate management in accordance with the • The Integrated Corporate Governance Policy.
applicable laws and regulations.
Danamon has a Corporate Governance Policy for
The implementation of GCG by Danamon is not just Bank and Integrated Corporate Governance Policy
to fulfill the regulatory requirement/applicable laws MUFG Financial Conglomerate (MUFG FC) that
and regulations, but is driven by the awareness of both offers guidelines for implementing GCG at
the implementation and the continuous improvement every activity and organizational level at Danamon
of GCG is an important key to improving performance and Financial Services Institutions (FSI) in the
and sustainable competitive advantage. MUFG FC.
Danamon continuously undertakes enhancements COMMITMENT AND OBJECTIVES OF
by adjusting its policies and operational procedures IMPLEMENTING DANAMON’S CORPORATE
to ensure compliance with applicable regulations, GOVERNANCE
develop systems, and increase awareness among all Danamon’s Board of Commissioners, Board of
employees, while continuing to consider the interests Directors and all employees are fully committed
of Shareholders and Stakeholders. to continuously improving the quality of GCG
implementation using the following 5 (five) GCG
BASIS FOR THE IMPLEMENTATION GOOD principles as guidance: transparency, accountability,
CORPORATE GOVERNANCE AT DANAMON responsibility, independency, and fairness.
Danamon implements GCG based on the laws
and regulations that serve as references in the The aim of achieving stable and sustainable business
implementation of GCG, including: growth and increasing corporate values in both the
• Laws of The Republic of Indonesia related Limited short and long term is supported by GCG the process
Liability Companies, Capital Markets and Banking; and mechanism for evaluating the implementation
• Financial Services Authority Regulations of GCG which is conducted periodically covering
(POJK) and Financial Services Authority 3 (three) aspects of governance, namely governance
Circular Letters (SEOJK) especially regarding structure, governance process, and governance
Corporate Governance, Annual Reports, Risk outcome, in addition to other criteria or indicators for
Management, and various regulations related to each assessment factor.
the implementation of Corporate Governance;
• Roadmap of Indonesian Corporate Governance; In line with the development of best practices in
• The ASEAN Corporate Governance Scorecard implementing GCG in the Banking and financial
(ACGS) issued by the ASEAN Capital Market services industry, Danamon committed to
Forum (ACMF); continuously improving its GCG implementation that
allows it to meet the ever-changing GCG standards.
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Page 290
The sustainable implementation of GCG at Danamon aims to:
• Encourage Company performance.
• Increase investor confidence.
• Protect the interests of stakeholders.
• Optimize added value.
• Make positive contributions to the Banking industry, financial industry and the Indonesian economy.
DANAMON’S GOVERNANCE IMPLEMENTATION ROADMAP
Danamon consistently and continuously makes improvements in its governance implementation methods as
outlined in its governance roadmap.
Danamon’s GCG roadmap is detailed below:
• Refining and updating a number of policies • Adjusting the membership structure of
related to Risk Management and Integrated committees.
2021
Corporate Governance. • Improving a number of policies related to Anti-
• Refining and updating a number of Money Laundering and Preventing Terrorism
Governance
Corporate
policies supporting corporate governance Financing (AML-CFT) policies.
implementation. • Organization structure amendments.
• Refining and updating a number of policies • Refining and updating policies supporting
related to Risk Management and Integrated corporate governance implementation.
2022
Corporate Governance MUFG Group Financial • Updating several committee’s charters.
Conglomeration.
• Updating the Bank’s Financial Conglomeration
Corporate Charter.
• Updating Code of Ethics. • Merging the Nomination Committee and
2023
• Improving a number of policies related to Anti- Remuneration Committee into 1 (one) committee,
Money Laundering and Preventing Terrorism namely the Nomination and Remuneration
Financing (AML-CFT), Risk Management and Committee.
Corporate Governance. • Updating several committee’s charters.
• Organizations Structure amendments.
• Change from the Code of Ethics to the Code of Directors committees.
Conduct. • Refining and updating a number of policies
• Articles of Association amendments. related to Risk Management, Corporate
• Organizations Structure amendments. Governance and supporting policies for the
2024
• Adjustment of the structure and members of the implementation of Corporate Governance.
Financial Conglomeration and Corporate • Refining and updating charter for corporate
Charter. governance organs.
• Adjustment of Integrated Corporate Governance • Implementing Sharia Banking Certification for
Committee membership structure. Independent Parties, and members of Boards of
• Establishment and restatement of Board of Directors and Boards of Commissioners.
• Articles of Association amendments. • Adjustment of membership structure for the
• Organizational Structure amendments. Integrated Governance Committee and the
• Approval as the Operational Financial Integrated Risk Management Committee.
Holding Company within the MUFG Financial • Addition of a Risk Management Sub-Committee.
Conglomerate. • Refinement and updating of several
2025
• Adjustment of the structure and members of the policies (including policies for the Financial
Financial Conglomerate. Conglomerate) related to risk management,
• Appointment of a Director responsible for the governance, and supporting policies for
function or unit managing the MUFG Financial governance implementation.
Conglomerate. • Refinement and updating of guidelines and
• Issuance of the MUFG Financial Conglomerate rules of procedure for the Bank’s corporate
Corporate Charter. governance bodies.
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STRUCTURE AND MECHANISM
OF CORPORATE GOVERNANCE
[IDX G-01]
Danamon consistently implements Corporate Governance in accordance with the 5 (five) fundamental
principles of Good Corporate Governance, as follows:
Transparency Accountability Responsibility Independency Fairness
Danamon is committed Danamon has clearly Danamon is committed Danamon’s organs Danamon is committed to
to upholding defined organizational to complying with carry out their activities safeguarding and fulfilling
the principle of functions, duties, authorities, all applicable laws, independently and the rights and interests
transparency through and responsibilities through regulations, internal objectively, and avoid any of all Shareholders, both
the disclosure and established work guidelines policies, and ethical dominating influences majority and minority. The
provision of relevant, and rules. Through this clear standards, while from any party. Danamon Bank consistently applies
accurate, and easily delineation of roles and fulfilling its social is committed to running fair and equal treatment
accessible information accountability mechanisms, and environmental its business with a priority to all stakeholders by
to Shareholders and Danamon is able to conduct responsibilities to support placed on professionalism upholding the principles
Governance
Corporate
Stakeholders. its operations in a structured long-term business and free from conflicts of of fairness, which
This commitment to manner and account for sustainability and interest and influence or encompass equality,
transparency is also its performance in an strengthen its role as a pressure from any party balance, and justice.
reflected in the decision- accountable way, in line good corporate citizen. that is in violations of These principles are
making process, which with the principles of good regulatory provisions and reflected in the fulfillment
is conducted in an corporate governance. ethical values as well as of stakeholders’ rights
open manner and duly standards, principles, and and obligations arising
documented in meeting practices. from contractual
minutes. agreements, prevailing
laws and regulations, as
well as the application of
ethical values, standards,
principles, and sound
corporate governance
practices.
The implementation of GCG at Danamon is carried out through integrated governance structure, process, and
outcomes, guided by GCG principles and the Company’s commitment.
GOVERNANCE STRUCTURE [GRI 2-9]
Danamon has established a corporate governance structure that applies the principle of checks and balances
to support the systematic and structured implementation of good corporate governance.
General Meeting of Shareholders
Board of Check and Balance Board of Sharia
Commissioners Directors Supervisory Board
Internal Audit Integrated Risk Management
Audit Committee Committee
Unit
Information Technology
Risk Oversight Committee Steering Committee
Nomination and Asset & Liability Committee
Remuneration Committee (ALCO)
Corporate Governance
Risk Management Committee
Committee
Integrated Corporate Sustainability
Governance Committee Sub-Committee
Information Disclosure
Sub-Committee
Internal Control Over
Financial Reporting (ICoFR)
Sub-Committee*
Credit or Financing
Committee
Credit or Financing Policy Notes :
*)
Committee Addition of a sub-committee
under Risk Management
Committe as of March 3, 2025.
Risk Compliance Corporate Global Alliance Corporate
Finance Human Capital Other Units
Management Unit Unit Secretary Strategy Strategy Office
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GOVERNANCE PROCESS 2. Establishment of a Sub-Committee for Internal
Danamon has obtained approval from the Financial Control over Financial Reporting (ICoFR) to
Services Authority (OJK) as the Financial Holding improve the implementation of POJK No. 15 Year
Company (Operational FHC) of the MUFG Financial 2024 on the Integrity of Bank Financial Reporting.
Conglomerate (FC), effective as of June 24, 2025. 3. Appointment of a FHC Director who will carry out
the management function or unit for the MUFG
In its capacity as the Operational FHC, Danamon has FC.
developed and established the Bank Governance 4. Enhancement of Bank Corporate Governance
Policy and the MUFG FC Integrated Governance Policy.
Policy. These policies serve as the primary guidelines 5. Enhancement of Integrated Corporate
for the implementation of integrated governance and Governance Policy.
are mandatory for all Financial Services Institutions 6. Enhancement of risk management policies,
(FSIs) within the MUFG FC, ensuring consistent including but not limited to:
application of good corporate governance principles • Risk Management Policy for Bank and
at both the bank and conglomerate levels. Consolidated.
• Integrated Risk Management Policy for MUFG
Governance
Corporate
The Bank Governance Policy governs the principles, FC.
structures, and governance mechanisms applicable • Market and Liquidity Risk Management
at the bank level, while the MUFG FC Integrated Policy.
Governance Policy provides a comprehensive • Integrated Capital Management Policy for
governance framework at the conglomerate level, MUFG FC.
including arrangements for coordination, oversight, • Cyber Risk Management Policy.
and control among entities within the financial • Internal Control over Financial Reporting
conglomerate. Policy.
• Recovery Plan Policy.
In connection with the approval of Danamon • Resolution Plan Policy.
as Operational FHC, then, Danamon has made • Expected Credit Loss Policy, previously
improvements and updates of both the Bank Impairment Loss Allowance (CKPN) Policy.
Governance Policy and the MUFG FC Integrated • SIPELAKU Policy.
Governance Policy. These policies updates were 7. Establishment of Personal Data Protection Policy.
undertaken in response to the issuance of POJK 8. Enhancement of the Anti-Bribery and Corruption
No. 30 Year 2024 on Financial Conglomerates (FC) Policy.
and Financial Holding Company (FHC) and SEOJK 9. Enhancement of the Contingency Funding Plan
No. 14/SEOJK.03/2025 on the Implementation of (CFP) Policy.
Governance for Commercial Banks. 10. Establishment of the Corporate Charter for
MUFG FC in relation to the establishment of the
The policy enhancements aim to ensure that the Operational FHC and the implementation of POJK
governance framework implemented by Danamon No. 30 Year 2024 on FC and FHC.
and all FSIs within the MUFG FC remains aligned with 11. Enhancement of the Board of Commissioners
prevailing regulatory requirements, supports prudent Charter and Board of Directors Charter.
and transparent management, and strengthens the 12. Enhancement of Charters for Committees under
effectiveness of integrated oversight on a sustainable the Board of Commissioners, namely the Audit
basis. Committee, Corporate Governance Committee,
Nomination and Remuneration Committee, Risk
Danamon consistently implements good corporate Oversight Committee, and Integrated Corporate
governance principles across all levels of the Governance Committee.
organization. In 2025, various initiatives were 13. Enhancement of Charters for Committees under
undertaken to strengthen governance through the Board of Directors, namely the Integrated
alignment with applicable regulations and Risk Management Committee, Asset and
enhancements to supporting structures and policies, Liability Committee (ALCO), Credit or Financing
including: Policy Committee, ICoFR Sub-Committee and
1. Establishment of an Operational FHC within the Information Disclosure Sub-Committee.
MUFG FC as the implementation of POJK No. 30
Year 2024 on FC and FHC.
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GOVERNANCE OUTCOME b. Criteria
As part of its commitment to continuously enhancing In accordance with SEOJK No.13/
the implementation of GCG, Danamon conducts SEOJK.03/2017, which remains in effect until
a semi-annual self-assessment of its governance the assessment period ending in June 2025,
practices as of June and December, in line with the criteria for Governance assessment based
the Bank Soundness Rating assessment period. In on self-assessment consist of eleven (11)
addition to internal assessments, Danamon also evaluation factors, including:
engages independent external parties to assess 1) Implementation of the duties and
the implementation of GCG, with the objective of responsibilities of the Board of Directors.
obtaining a more objective and comprehensive 2) Implementation of the duties and
evaluation aligned with banking industry best responsibilities of the Board of
practices. Commissioners.
3) Completeness and execution of committee
1. Internal Assessment duties.
Danamon conducts a semi-annual 4) Handling of conflicts of interest.
self-assessment of the implementation of GCG as 5) Implementation of the compliance function.
Governance
Corporate
of the end of June and December. The assessment 6) Implementation of the internal audit
is carried out in accordance with POJK No. 17 Year function.
2023 and SEOJK No. 13/SEOJK.03/2017 on the 7) Implementation of the external audit
Implementation of Good Corporate Governance function.
for Commercial Banks, which has been revoked 8) Implementation of risk management
and replaced by SEOJK No. 14/SEOJK.03/2025. including the Internal control system.
The new regulation becomes effective for the 9) Provision of funds to related parties and
self-assessment conducted for the second Provision of large funds (large exposure).
semester of 2025. 10) Transparency of the Bank’s financial
and non-financial conditions, Corporate
a. Procedure Governance Implementation Report and
Self-assessment of the quality of the Internal Reports.
implementation of the principles of corporate 11) The Bank’s strategic plan.
governance in a comprehensive and
structured manner integrated into 3 (three) In accordance with SEOJK No.14/
aspects of governance, namely SEOJK.03/2025, which takes effect for the
1) Governance Structure assessment period as of December 2025, the
The Governance Structure assessment governance self-assessment criteria consist
aims to assess the adequacy of the Bank’s of 16 (sixteen) assessment factors, including:
Governance structure and infrastructure 1) Implementation of the duties and
to ensure good Corporate Governance responsibilities of the Board of Directors.
principles application produces outcomes 2) Implementation of the duties and
that meet the expectations of the Bank’s responsibilities of the Board of
Stakeholders. Commissioners.
2) Governance Process 3) Implementation of the duties and
The Governance Process assessment responsibilities of the Sharia Supervisory
aims to evaluate the effectiveness of Board.
the implementation of good corporate 4) Completeness and execution of committee
governance principles, which is supported duties.
by the adequacy of the Bank’s governance 5) Handling of conflicts of interest.
structure and infrastructure, thereby 6) Implementation of the compliance function.
producing outcomes that meet the 7) Implementation of the internal audit
expectations of the Bank’s stakeholders. function.
3) Governance Outcome 8) Implementation of the external audit
The Governance Outcome aims to assess function.
the quality of the Bank’s outcomes that 9) Implementation of risk management
meet the expectations of the Bank’s including the Internal control system;
Stakeholders as the outcomes of the 10) Provision of remuneration;
Good Corporate Governance principle 11) Provision of funds to related parties and
application process and supported by Provision of large funds (large exposure);
the adequacy of the Bank’s Governance
structure and infrastructure.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 291
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12) integrity of reporting and information In semester I and II of 2025, the results of the
technology systems; Bank’s corporate governance self-assesment are as
13) Bank’s strategic plan; follows:
14) shareholder aspects; Rating Rating Definition
15) implementation of anti-fraud strategies,
2 Reflecting that Danamon’s Management has
including anti-bribery; generally implemented good governance. This is
16) implementation of sustainable finance, demonstrated by adequate fulfillment of governance
principles. In cases where there are weaknesses
including the implementation of social and in applying these principles, such weaknesses
environmental responsibility. are generally not significant and can be resolved
through normal actions by Danamon’s Management.
c. Parties conducting the assessment
Self-assessment of the implementation of good Based on the assessment results of assessment
corporate governance at the Bank is carried factors of corporate governance implementation,
out by involving relevant functions or work Danamon has adequate governance structure and
units, including the Board of Commissioners, infrastructure that supports the effectiveness of the
the Boars of Directors, Committees, Internal good corporate governance principle application
Governance
Corporate
Audit Working Unit, Compliance Working Unit, process and the quality of the implementation of
Risk Management Working Unit, Corporate Corporate Governance principles that can meet
Secretary, as well as other related working Stakeholders’ expectations.
units.
2. External Assessment
d. Self-Assessment Results a. ASEAN Corporate Governance Scorecard
The results of the Bank’s self-assessment (ASEAN CG Scorecard)
of the implementation of Good Corporate Danamon continues to improve good corporate
Governance at the Bank are an integral part governance principle application and by that,
of the Corporate Governance Implementation expects to provide added value for all of its
Report. stakeholders. One of the efforts Danamon
makes is using the ASEAN CG Scorecard
The results of the self-assessment of the as a guide to improving the implementation
Corporate Governance Implementation are of corporate governance principles on an
one of the factors in the scope of the Bank ongoing basis.
Health Level Assessment using the risk
approach or RBBR, which are carried out at The ASEAN CG Scorecard is an initiative of
least semi-annually for the positions at the the ASEAN Capital Market Forum (ASEAN)
end of June and the end of December as to integrate the capital markets of member
regulated in POJK No.4/POJK.03/2016 and countries of the Association of Southeast Asian
SEOJK No.14/SEOJK.03/2017 concerning the Nations (ASEAN). The ASEAN CG Scorecard
Assessment of the Health Level of Commercial has been implemented since 2011. The ASEAN
Banks. CG Scorecard is a quantitative tool to measure
the compliance of public companies in
ASEAN with corporate governance guidelines
according to exemplary practices based
on international standards, especially the
principles of corporate governance issued by
the Organisation for Economic Cooperation
and Development (OECD).
292 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 295
b. Indonesian Institute for Corporate Directorship (IICD)
In order to encourage the implementation of good corporate governance for all issuers in Indonesia
and provide support to regulators simultaneously. Since 2017, IICD has consistently assessed 200
Issuers based on the Largest and Medium Market Capitalization based on the ASEAN CG Scorecard
2023 assessment method. IICD as an external assessor has independently assessed Danamon for the
implementation of good corporate governance.
Commitment to the implementation of sustainable corporate governance has earned Danamon several
awards in 2025, including:
1) GRC Awards 2025:
a. The Most Committed GRC Leader 2025 – Daisuke Ejima as President Director of Danamon.
b. TOP GRC Awards 2025 #4 Stars (Very Good).
2) The 16th IICD Corporate Governance Conference and Award: Best Responsibility of The Board Big
Cap Categories.
Governance
Corporate
DANAMON’S CORPORATE
GOVERNANCE
IMPLEMENTATION REPORT
Danamon’s Corporate Governance Implementation Report covers all aspects of the Danamon’s corporate
governance implementation that have been prepared by referring to applicable laws and regulations
and best practices in the implementation of corporate governance implementation that applies universally.
The issuance of this Corporate Governance Implementation Report reflects Danamon’s commitment to
transparency toward its Stakeholders and compliance with prevailing regulatory requirements and laws.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 293
Page 296
GENERAL MEETING OF
SHAREHOLDERS
The General Meeting of Shareholders (GMS) is a Information on Major, Controlling, and Beneficial
Public Company’s organ with authorities delegated Shareholders
to neither the Board of Directors nor the Board of The Company’s major, controlling, and beneficial
Commissioners, as specified in laws on Limited shareholder is MUFG Bank, Ltd., which holds a
Liability Companies and/or the Articles of Association majority of the Company’s shares directly or indirectly
of the Public Company. and exercises control over the Company’s strategic
policy direction. Meanwhile, public shareholders hold
GMS consists of an Annual GMS and other forms the remaining shares that are traded on the Indonesia
(Extraordinary GMS): Stock Exchange.
1. Annual GMS (AGMS)
Governance
Corporate
Board of Directors shall hold the AGMS annually, Shareholder Aspect
no later than 6 (six) months after the financial year Shareholders of the Company play a role in supporting
end as referred to in the laws and regulations and the implementation of sound business activities
the Company’s Articles of Association, preceded and maintaining the continuity of the Company’s
by the Announcement and Invitation of the GMS. operations. Shareholders are also responsible for
2. Extraordinary GMS (EGMS) addressing and resolving the Company’s issues,
Extraordinary GMS shall be held by a Public which is demonstrated, among other things, through
Company at any time based on the need for the their commitment and approval of capital planning to
interest of the Public Company as referred to strengthen the Company’s capital in order to support
in the laws and regulations and the Articles of business continuity and/or resolve the Company’s
Association of the Company, preceded by the problems (including issues related to capital and
Announcement and Invitation of the GMS. liquidity).
Legal Basis for GMS Implementation Shareholders do not intervene, do not take personal
The Company convenes GMS with reference to the gain or benefit for specific groups, or engage in
following Law No. 40 of 2007 concerning Limited conflicts of interest when making strategic decisions,
Liability Companies, FSA Regulation (POJK) No.15/ such as the appointment, replacement, and/or
POJK.04/2020 concerning Planning and Holding dismissal of members of the Board of Directors, Board
General Meeting of Shareholders of Public Limited of Commissioners, and/or Sharia Supervisory Board
Companies and POJK No.14 year 2025 concerning members before their terms expire. Shareholders
the Implementation of General Meetings of also do not interfere in operational activities, and
Shareholders, General Meetings of Bondholders and they maintain independence in the Company’s
General Meeting of Sukuk Holders Electronically, intermediary function to ensure compliance with
Company’s Articles of Association, Danamon’s applicable prudential principles.
Corporate Governance Guidelines.
In terms of shareholder aspects, the Company also
SHAREHOLDERS has and establishes policies regarding dividends and
Shareholders are owners of capital whose names carries out periodic updates. The said dividend policy
are registered as shareholders within Company’s is communicated to all shareholders. Communication
shareholders’ registry. Company has a total authorized of the dividend policy has been carried out, among
capital of 17,782,400,000 shares. The shares consist other things, through the Company’s website,
of 22,400,000 series A shares with voting rights, meetings, the GMS, and/or other media.
each with a nominal value of Rp50,000.00 per share,
and 17,760,000,000 series B shares with voting rights, In order to support the protection of minority
each with a nominal value Rp500.00 per share. Of shareholders, the Company has a communication
this capital, shareholders have 9,773,552,870 shares policy that facilitates shareholders in consulting
which consist of 22,400,000 series A shares and about their shareholder rights, as well as efforts by
9,751,152,870 series B shares. Shareholders consist shareholders to support the Company’s business
of holders of series A shares and holders of series B sustainability.
shares. All shares issued by Company are registered
shares.
294 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 297
Rights and Authorities of Shareholders 6. The Board of Commissioners and Board of
The Company does not divide its shares into more Directors must refuse requests for information
than one type or class of shares (such as ordinary regarding Company from controlling shareholders
shares, preference shares, or shares with different that are not in accordance with the principle of
voting rights). The Company does not divide its fairness and equality.
shares into special types of shares or ordinary shares. 7. Shareholders are prohibited from utilizing the
All shareholders have equal rights and obligations. Company for personal gains, family, Company or
Shareholders can participate in managing the business group with enthusiasm and ways that
Company through the GMS. The GMS can be held conflict with the laws and regulations and fairness
at the request of shareholders with preconditions in the Banking and financial fields.
as stipulated in laws, regulations and Company’s
Articles of Association. Shareholders Access to Information
Access to shareholder information is listed in the
Shareholders reserve the right to participate in Company Information Access Information chapter of
making decisions related to amendments to the this Annual Report.
Articles of Association and other fundamental
Governance
Corporate
changes regarding the Company. Shareholders also GMS Voting Mechanisms and Vote Counting
have the right to participate effectively and use votes The Company has compiled and prepared a Code
in the GMS, as well as the right to obtain information of Conduct for its GMS. This GMS Code of Conduct,
regarding the GMS, which includes information on which is made available on its official website and
meeting agendas, as well as rules and procedures delivered and read out at the opening of a GMS,
for voting. contains voting procedure and calculation. Prior to
each of the voting, the chairman of the GMS shall
The Company protects the rights of its shareholders give an opportunity for shareholders with the rights
and helps to ensure that the basic rights of to inquiries and/or their proxies to ask questions and/
shareholders are upheld. The basic rights of or share their opinions to ask questions and/or give
shareholders include: their opinions to the chairman of the GMS before
1. Obtaining relevant and material Information about voting is conducted for each agenda item of the GMS.
Company in a timely and regular manner.
2. Attending and voting at the GMS. Decision making in the GMS is carried out in the
3. Obtaining a resolution in the event that following manner:
shareholders disagree with the Company’s 1. The GMS shall make decisions based on
activities and corporate actions. deliberation to reach a consensus. In the event a
4. Obtaining Dividends in accordance with the consensus is not reached on a particular agenda
dividend policy and GMS Resolution. item, then the decisions shall be made through
5. Exercising other rights based on the Articles of voting.
Association and prevailing laws and regulations. 2. Voting shall be carried out with due consideration
on the GMS’ attendance quorum and decision
Limitations for Shareholders quorum, as stipulated in Company’s Articles of
1. Shareholders are not allowed to intervene in Association.
the Company’s operations and directors and 3. In voting, the votes cast by the shareholders apply
commissioners must refuse the intervention. to all of the shares they own. Shareholders are not
2. Controlling shareholders can coordinate in the entitled to give power of attorney to more than
preparation of the business strategies, corporate one proxy for a portion of the number of shares
plan, and business plan. they own with different votes.
3. Supervision by the controlling shareholders can 4. In votes calculation, 1 (one) share gives the holder
only be carried out through the GMS or through the right to cast 1 (one) vote. If a shareholder has
policy coordination and the conduct of audits in more than 1 (one) share, then the shareholder
accordance with applicable regulations. is only eligible for 1 (one) vote at a time. A
4. Controlling shareholders must avoid conflicts of vote represents the entire number of shares a
interest. shareholder owns based on the voting cards the
5. Controlling shareholders are prohibited from shareholder receives.
abusing the dominance of ownership or control 5. Members of both the Boards of Commissioners
which may result in the violation of the GCG and Board of Directors and Company’s employees
principles. shall refrain from acting as shareholder proxies.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 295
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6. In the event that GMS makes decision on cash dividend distribution, then cash dividend payment to the
entitled shareholders shall be made no later than 30 (thirty) days after a summary of the minutes of the
referred GMS.
7. Shareholders may attend and cast their votes at the GMS of Shareholders electronically.
GENERAL MEETING OF SHAREHOLDERS IN 2025 [IDX G-02]
The Convention of AGMS
In 2025, The Company held 1 (one) AGMS. The 2025 AGMS was convened in accordance with the provisions
in the Company’s Articles of Association, POJK No.15/POJK.04/2020 concerning Planning and Holding
General Meetings of Shareholders of Public Limited Companies and POJK No.16/POJK.04/2020 concerning
the Implementation of Electronic General Meeting of Shareholders of Public Limited Companies.
The holding process of the 2025 AGMS is as follows:
Date and Time Friday, March 21, 2025
The AGMS was opened at 2.20 pm to 3.42 pm (West Indonesia Time)
Governance
Corporate
Place Menara Bank Danamon, Auditorium, 23rd Floor
Jl. H.R. Rasuna Said, Blok C No. 10, Karet Setiabudi, Jakarta 12920
Quorum (Shareholder attendance) In accordance with the Shareholders Registry as February 26, 2025, the total number of entitled
shares is 9,773,552,870 shares. The number of shares with voting rights that attended the AGMS
was 9,115,575,433 shares or approximately 93.26778% of the total shares issued by the Company.
As such, this has fulfilled the required quorum (more than 2/3 of the total shares with valid voting
rights issued by the Company). Therefore, the AGMS is valid to be held and to make decisions.
AGMS Chairman The AGMS was chaired by Halim Alamsyah, Vice President Commissioner (Independent) of the
Company, in accordance with Articles of Associations of the Company and Circular Resolutions of
the Board of Commissioners.
Attendance of The Board of The Board of Commissioners physically present:
Commissioners 1. Yasushi Itagaki, President Commissioner
2. Halim Alamsyah, Vice President Commissioner (Independent)
3. Nobuya Kawasaki, Commissioner
4. Hedy Maria Helena Lapian, Independent Commissioner
5. Dan Harsono, Commissioner
The Board of Commissioners attended via the Microsoft Teams application dan Easy.KSEI:
Peter Benyamin Stok, Independent Commissioner
Attendance of the Sharia Sharia Supervisory Board physically present:
Supervisory Board 1. Prof. Dr. H. M. Din Syamsuddin, MA., Chairman
2. Prof. Dr. KH. Hasanudin, M.Ag, Member
3. Dr. Asep Supyadillah, M.Ag., Member
Attendance of The Board of Directors physically present:
Directors 1. Daisuke Ejima, President Director
2. Honggo Widjojo Kangmasto, Vice President Director
3. Hafid Hadeli, Vice President Director
4. Herry Hykmanto, Director
5. Rita Mirasari, Director
6. Dadi Budiana, Director
7. Muljono Tjandra, Director
8. Thomas Sudarma, Director
9. Jin Yoshida, Director
Independent Party to calculate The Company has appointed Mala Mukti, S.H., LL.M. as Public Notary and PT Adimitra Jasa
quorum and vote on AGMS Korpora as the Share Administration Bureau to calculate the quorum and voting tabulation
decisions
Number of shareholders who asked There were no questions or opinions raised by the shareholders on each agenda item.
questions and/or provided opinions
at the AGMS
AGMS decision making mechanism 1. Meeting decisions are taken based on deliberation to reach consensus.
2. In the event that a consensus is not reached, decisions shall be made through voting on the
agenda of the Meeting. A decision is valid if it is approved by more than 2/3 (two thirds) of
the total shares with voting rights present and/or represented at the Meeting.
3. Abstain/Blanko votes shall be considered to cast the same vote as the majority of
shareholders who cast votes.
296 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 299
Phases of AGMS 2025 Implementation
Matter Date Reporting Media
Notification of PT Bank Danamon Indonesia Tbk (Company) Annual General February 5, 2025 OJK and IDXnet Electronic
Meeting of Shareholders (AGMS) Plan to OJK Reporting Facilities
Announcement of the Annual General Meeting of Shareholders (AGMS) of February 12, 2025 OJK and IDXnet Electronic
PT Bank Danamon Indonesia Tbk (Company) Reporting Facilities, eASY.KSEI,
and Company Website
Invitation to the Annual General Meeting of Shareholders (AGMS) of February 27, 2025 OJK and IDXnet Electronic
PT Bank Danamon Indonesia Tbk (Company) Reporting Facilities, eASY.KSEI,
and Company Website
The conduct of the AGMS of PT Bank Danamon Indonesia Tbk (Company) March 21, 2025 -
Submission of Summary Minutes of the Annual General Meeting of March 25, 2025 OJK and IDXnet Electronic
Shareholders (AGMS) of PT Bank Danamon Indonesia Tbk (Company) Reporting Facilities, eASY.KSEI,
and Company Website
Submission of Minutes of the Annual General Meeting of Shareholders April 17, 2025 Sarana Pelaporan Elektronik
(AGMS) of PT Bank Danamon Indonesia Tbk (Company) OJK dan IDXnet
The Company has uploaded information about the 2025 AGMS on its official website, such as description on
Governance
Corporate
Meeting agenda, profiles of Public Accountants and Public Accounting Firms, profiles of prospective Members
of the Board of Directors, Meeting rules and other Meeting materials.
Decisions and Realization of the 2025 AGMS
The AGMS has decided on 6 (six) meeting agenda items. All meeting decisions have been realized in 2025,
as listed below:
First Agenda
1. Approved the Annual Report of the Company’s for financial year ended on December 31, 2024.
2. Approved the consolidated financial statements for the financial year ended on December 31, 2024 which was audited by the Public
Accountants Firm of Liana Ramon Xenia & Rekan (member of Deloitte Southeast Asia Limited) as described in the Independent Auditor’s
Report dated February 14, 2025, Number 00012/2.1460/AU.1/07/0849-4/1/II/2025, with an unmodified opinion.
3. Approved the Board of Commissioners Supervisory Report of the Company for financial year ended on December 31, 2024.
4. Give release and discharge (“volledig acquit et decharge”) to: (i) the Board of Directors of the Company in the performance of
duties and responsibilities for the management as well as the duties and responsibilities to represent the Company; (ii) the Board of
Commissioners of the Company in the performance of duties and oversight responsibilities, duties, and responsibilities in providing
guidance and advice to the Board of Directors, and (iii) the Sharia Supervisory Board in the performance of duties and responsibilities
of supervision of the Sharia aspects of the implementation of the Company’s business activities in accordance with Islamic principles
as well as providing advice and suggestions to the Board of Directors, which is done in the financial year ended on December 31, 2024,
as long as the duties and responsibilities are reflected in the annual report for the financial year ended on December 31, 2024.
The results of calculation voting Total Abstain and Agree: 9,115,575,433 shares or 100%
card
Abstain Disagree Agree
9,271,600 shares 9,106,303,833 shares
0 shares or 0%
or 0.10171% or 99.89829%
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 297
Page 300
Second Agenda
Approved the appropriation of the Company’s net profit for the financial year ended on December 31, 2024 in total amount of
IDR3,179,335,000,000 (three trillion one hundred seventy nine billion three hundred thirty five million rupiah) with detail as follow:
1. By 1% (one percent) of net profit or approximately IDR31,793,350,000 (thirty one billion seven hundred ninety three million three
hundred and fifty thousand rupiah) is set aside for reserve fund to comply with Article 70 of the Limited Liability Company Law.
2. By 35% (thirty five percent) of the net profit or approximately IDR1,112,767,250,000 (one trillion one hundred twelve billion seven
hundred sixty seven million two hundred and fifty thousand rupiah) or IDR113.85 (one hundred thirteen rupiah eighty five cents) per
share, with the assumption that total issued shares of the Company at the Recording Date is not more than 9,773,552,870 (nine billion
seven hundred seventy three million five hundred fifty two thousand eight hundred and seventy) shares, to be distributed as dividend
for the financial year 2024, with the following provisions:
a. The dividend shall be paid to the shareholders whose names are registered in the Shareholders’ Registry on a date to be stipulated
by the Board of Directors of the Company (further referred to as the “Recording Date”).
b. The unclaimed dividend after 5 (five) years since it was declared, will be booked at the special reserve and the procedure to claim
the dividend booked at the special reserve can be accessed through the Company website.
c. The Shareholder dividend tax will comply with the applicable tax regulations.
d. The Board of Directors is hereby authorized and empowered to stipulate all matters regarding or relating to the implementation of
dividend payment for the financial year 2024, including (however without limitation) to:
1) determine the Recording Date for the shareholders of the Company who are entitled to receive dividend payment for the
financial year 2024.
2) determine the date of implementing payment of dividend for the financial year 2024, taking into consideration and without
prejudice to the regulations of the Stock Exchange where the shares of the Company are listed.
3. The remaining amount of the Net Profit for the financial year 2024 which is not determined shall be booked as retained earning of the
Company.
Governance
Corporate
The results of calculation voting Total Abstain and Agree: 9,115,138,443 shares or 99.9952%
card
Abstain Disagree Agree
436,990 shares 9,108,235,043 shares
6,903,400 shares or 0.0757%
or 0.0048% or 99.9195%
Third Agenda
1. Re-appoint Mrs. Elisabeth Imelda as Public Accountant and Liana Ramon Xenia & Rekan, (member of Deloitte Southeast Asia Limited)
as Public Accounting Firm, which is listed in the Financial Services Authority to audit the Company’s consolidated financial statement
for the financial year 2025.
2. Authorize the Board of Commissioners to:
a. determine the amount of honorarium and other requirements relating to the appointment of the Public Accountant and Public
Accounting Firm.
b. determine a substitute Public Accounting Firm and/or Public Accountant in the event that the Public Accounting Firm of Liana
Ramon Xenia & Rekan and/or the Public Accountant of Mrs. Elisabeth Imelda, due to any reason, cannot complete the audit
process of the Company’s 2025 Financial Statement.
The results of calculation voting Total Abstain and Agree: 9,115,575,433 shares or 100%
card
Abstain Disagree Agree
6,903,600 shares 9,108,671,833 shares
0 shares or 0%
or 0.0757% or 99.9243%
Fourth Agenda
1. a. Approved the total payment of bonus/tantiem which will be distributed to the Board of Commissioners of the Company for the
financial year 2024.
b. Approved the total payment of salary/honorarium and/or allowances to the Board of Commissioners of the Company for financial
year 2025. Approved the total payment of salary/honorarium and/or allowances to the Board of Commissioners of the Company for
financial year 2025.
c. Approved the delegation of authority to the President Commissioner of the Company to determine the bonus/tantiem for the
financial year 2024 and the total amount of salary/honorarium and/or allowances for the financial year 2025 to each member of the
Board of Commissioners of the Company based on the recommendation of Nomination and Remuneration Committee.
2. a. Approved the total payment of bonus/tantiem which will be distributed to the Sharia Supervisory Board of the Company for the
financial year 2024.
b. Approved the total payment of salary/honorarium and/or allowances to the Sharia Supervisory Board of the Company for the
financial year 2025.
c. Approved the delegation of authority to the Board of Commissioner of the Company to determine the bonus/tantiem for the
financial year 2024 and the total amount of salary/honorarium and/or allowances for the financial year 2025 to each member of the
Sharia Supervisory of the Company, based on the recommendation of Nomination and Remuneration Committee.
3. a. Approved the total payment of bonus/tantiem which will be distributed to the Board of Directors of the Company for the financial
year 2024.
b. Approved the total payment of the salary and allowances and/or other income to the Board of Directors of the Company for the
financial year 2025.
c. Approved the delegation of authority to the Board of Commissioner of the Company to determine the bonus/tantiem
for the financial year 2024 and the total payment of salary and allowances and/or other income for financial year 2025 to each
member of the Board of Directors of the Company, based on the recommendation of Nomination and Remuneration Committee.
The results of calculation voting Total Abstain and Agree: 9,114,998,835 shares or 99.9937%
card
Abstain Disagree Agree
6,908,900 shares 576,598 shares 9,108,089,935 shares
or 0.0758% or 0.0063% or 99.9179%
298 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 301
Fifth Agenda
1. a. Approved the termination of the term of office of Mr. Hafid Hadeli as Vice President Director of the Company and Mr. Muljono
Tjandra as Director of the Company since the closing of this Meeting with gratitude for the services provided to the Company.
b. Approved the appoinment of Mrs. Yenny Siswanto as Director of the Company where her appointment will be effective after passes
the fit and proper test from the Financial Services Authority, for a term of office corresponding to the remaining term of office of the
members of the Company’s Board of Directors currently serving.
Therefore, the composition of the Board of Directors of the Company effective as of the closing of this Meeting will be as follows:
Board of Directors
President Director Daisuke Ejima
Vice President Director Honggo Widjojo Kangmasto
Director Herry Hykmanto
Director Rita Mirasari
Director Dadi Budiana
Director Thomas Sudarma
Director Jin Yoshida
Director Yenny Siswanto*
* Her appointment will be effective upon passing the fit and proper test of the Financial Services Authority.
Governance
Corporate
for a term of office until the closing of the AGMS in 2026 which will be held no later than June 2026, without prejudice to the rights of
the GMS to dismiss her (them) at any time.
2. Approved to authorize the Company’s Board of Directors to declare these decisions in one or more deed of meeting decisions made
before a Notary, notify the change in the Company’s data to the Minister of Law of the Republic of Indonesia to obtain a letter of receipt
of notification of changes to the Company’s data.
The results of calculation voting Total Abstain and Agree: 9,050,157,662 shares or 99.2824%
card
Abstain Disagree Agree
6,915,200 shares 65,417,771 shares 9,043,242,462 shares
or 0.0759% or 0.7176% or 99.2065%
Sixth Agenda
1. Approved changes to the provisions in the Company’s Articles of Association namely article 11 paragraph 2 and 4, article 12 paragraph
4 letter a (i) and letter b (i), article 14 paragraph 2 and 4, article 17 paragraph 1, 2, 3 and 4 letter (a, b, c, d, e, f and g) and article 18
paragraph 2 in order to adjust to the provisions and regulations in connection with:
- POJK Number 17 of 2023 concerning the Implementation of Governance for Commercial Banks.
- POJK Number 2 of 2024 concerning the Implementation of Sharia Governance for Sharia Commercial Banks and Sharia Business
Units.
- OJK Circular Letter Number 15/SEOJK.03/2024 concerning Implementation of Sharia Governance for Sharia Commercial Banks
and Sharia Business Units.
2. Give approval to the Company’s Board of Directors to restate the approved changes to the Articles of Association as referred in point 1
above and at the same time re-arrange all provisions of the Company’s Articles of Association into one Notarial deed and make editorial
changes if necessary in accordance with applicable regulations, then submit an application to the Minister of Law of the Republic of
Indonesia to obtain approval or receipt of notification of changes to the Articles of Association, register it in the Company Register and
publish it in the State Gazette of the Republic of Indonesia.
The results of calculation voting Total Abstain and Agree: 9,057,616,097 shares or 99.3642%
card
Abstain Disagree Agree
6,904,800 shares 57,959,336 shares 9,050,711,297 shares
or 0.0757% or 0.6358% or 99.2884%
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 299
Page 302
GENERAL MEETING OF SHAREHOLDERS IN THE PREVIOUS YEAR
In 2024, The Company held 1 (one) Annual General Meeting of Shareholders (“AGMS”) on March 22, 2024
and decided on 6 (six) meeting agenda items, all meeting decisions have been implemented in 2024 as
listed below:
First Agenda
1. Approved the Annual Report of the Company’s for financial year ended on December 31, 2023.
2. Approved the consolidated financial statements for the financial year ended on December 31, 2023 which was audited by the Public
Accountants Firm of Imelda & Rekan (a member firm of Deloitte Touche Tohmatsu Limited) as described in the Independent Auditor’s
Report dated February 16, 2024, Number 00015/2.1265/AU.1/07/0849-3/1/II/2024, with an unmodified opinion.
3. Approved the Board of Commissioners Supervisory Report of the Company for financial year ended on December 31, 2023.
4. Give release and discharge (“volledig acquit et decharge”) to: (i) the Board of Directors of the Company in the performance of
duties and responsibilities for the management as well as the duties and responsibilities to represent the Company; (ii) the Board of
Commissioners of the Company in the performance of duties and oversight responsibilities, duties, and responsibilities in providing
guidance and advice to the Board of Directors, and (iii) the Sharia Supervisory Board in the performance of duties and responsibilities
of supervision of the Sharia aspects of the implementation of the Company’s business activities in accordance with Islamic principles
as well as providing advice and suggestions to the Board of Directors, which is done in the financial year ended on December 31, 2023,
as long as the duties and responsibilities are reflected in the annual report for the financial year ended on December 31, 2023.
The results of calculation voting Total Abstain and Agree: 9,166,718,037 shares or 99.999%
card
Abstain Disagree Agree
Governance
Corporate
3,360,614 shares 64,900 shares 9,163,357,423 shares
or 0.037% or 0.001% or 99.963%
Second Agenda
Approved the appropriation of the Company’s net profit for the financial year ended on December 31, 2023 in total amount of
IDR3,503,882,000,000 (three trillion five hundred three billion eight hundred eighty two million rupiah) with detail as follow:
1. 1% (one percent) of net profit or approximately IDR35,038,820,000 (thirty-five billion thirty-eight million eight hundred and twenty
thousand rupiah) is set aside for reserve fund to comply with Article 70 of the Limited Liability Company Law.
2. 35% (thirty five percent) of net profit or approximately IDR1,226,358,700,000 (one trillion two hundred twenty six billion three hundred
fifty eight million seven hundred thousand rupiah) or IDR125.48 (one hundred twenty five point forty eight rupiah) per share, with the
assumption that total issued shares of the Company at the Recording Date is not more than 9,773,552,870 (nine billion seven hundred
seventy three million five hundred fifty two thousand eight hundred and seventy) shares, to be distributed as dividend for the financial
year 2023, with the following provisions:
a. The dividend shall be paid to the shareholders whose names are registered in the Shareholders’ Registry on a date to be stipulatedby
the Board of Directors of the Company (further referred to as the “Recording Date”).
b. The unclaimed dividend after 5 (five) years since it was declared, will be booked at the special reserve and the procedure to claim
the dividend booked at the special reserve can be accessed through the Company website.
c. The Shareholder dividend tax will comply with the applicable tax regulations.
d. The Board of Directors is hereby authorized and empowered to stipulate all matters regarding or relating to the implementation of
dividend payment for the financial year 2023, including (however without limitation) to:
1) determine the Recording Date for the shareholders of the Company who are entitled to receive dividend payment for the
financial year 2023.
2) determine the date of implementing payment of dividend for the financial year 2023, taking into consideration and without
prejudice to the regulations of the Stock Exchange where the shares of the Company are listed.
3. The remaining amount of the Net Profit for the financial year 2023 which is not determined shall be booked as retained earning of the
Company.
The results of calculation voting Total Abstain and Agree: 9,166,716,037 shares or 99.999%
card
Abstain Disagree Agree
480,300 shares or 0.005% 66,900 shares or 0.001% 9,166,235,737 shares or 99.994 %
Third Agenda
1. Re-appoint Elisabeth Imelda as Public Accountant and Imelda dan Rekan, (a member firm of Deloitte Touche Tohmatsu Limited) as
Public Accounting Firm, which is listed in the Financial Services Authority to audit the Company’s consolidated financial statement for
the financial year 2024.
2. Authorize the Board of Commissioners to:
a. determine the amount of honorarium and other requirements relating to the appointment of the Public Accountant and Public
Accounting Firm.
b determine a substitute Public Accounting Firm and/or Public Accountant in the event that the Public Accounting Firm of Imelda
dan Rekan and/or the Public Accountant of Mrs. Elisabeth Imelda, due to any reason, cannot complete the audit process of the
Company’s 2024 Financial Statement.
The results of calculation voting Total Abstain and Agree: 9,166,718,037 shares or 99.999%
card
Abstain Disagree Agree
480,300 shares 9,166,237,737 shares
64,900 shares or 0.001%
or 0.005% or 99.994%
300 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 303
Fourth Agenda
1. a. Approved the total payment of bonus/tantiem which will be distributed to the Board of Commissioners of the Company for the
financial year 2023.
b. Approved the total payment of salary/honorarium and/or allowances to the Board of Commissioners of the Company for financial
year 2024.
c. Approved the delegation of authority to the President Commissioner of the Company to determine the bonus/tantiem for the
financial year 2023 and the total amount of salary/honorarium and/or allowances for the financial year 2024 to each member of the
Board of Commissioners of the Company based on the recommendation of Nomination and Remuneration Committee.
2. a. Approved the total payment of bonus/tantiem which will be distributed to the Sharia Supervisory Board of the Company for the
financial year 2023.
b. Approved the total payment of salary/honorarium and/or allowances to the Sharia Supervisory Board of the Company for the
financial year 2024.
c. Approved the delegation of authority to the Board of Commissioner of the Company to determine the bonus/tantiem for the
financial year 2023 and the total amount of salary/honorarium and/or allowances for the financial year 2024 to each member of
the Sharia Supervisory of the Company, based on the recommendation of Nomination and Remuneration Committee.
3. a. Approved the total payment of bonus/tantiem which will be distributed to the Board of Directors of the Company for the financial year 2023.
b. Approved the total payment of the salary and allowances and/or other income to the Board of Directors of the Company for the
financial year 2024.
c. Approved the delegation of authority to the Board of Commissioner of the Company to determine the bonus/
tantiem for the financial year 2023 and the total payment of salary and allowances and/or other income for financial year 2024
to each member of the Board of Directors of the Company, based on the recommendation of Nomination and Remuneration
Committee.
The results of calculation voting Total Abstain and Agree: 9,166,686,337 shares or 99.999%
Governance
Corporate
card
Abstain Disagree Agree
609,931 shares 576,598 shares 9,166,076,406 shares
or 0.007% or 0.0063% or 99.992%
Fifth Agenda
1.a. Approved the termination of Mr. Naoki Mizoguchi’s term of office as Director of the Company effective April 1, 2024.
b. Approved to appoint Mr. Jin Yoshida as Director of the Company where his appointment will be effective after his position as
Director of PT Adira Dinamika Multifinance (“ADMF”) ends in accordance with the decision of the ADMF GMS and passes the fit and
proper test (fit and proper test) from the Financial Services Authority, for a term of office corresponding to the remaining term of
office of the members of the Company’s Board of Directors currently serving.
c. After fullfilling the requirements of points a and b above, the composition of the Company’s Board of Directors will be as follows:
Board of Directors
President Director Daisuke Ejima
Vice President Director Honggo Widjojo Kangmasto
Vice President Director Hafid Hadeli
Director Herry Hykmanto
Director Rita Mirasari
Director Dadi Budiana
Director Muljono Tjandra
Director Thomas Sudarma
Director Jin Yoshida
for a term of office until the closing of the AGMS in 2026 which will be held no later than June 2026, without prejudice to the
rights of the General Meeting of Shareholders to dismiss them (them) at any time.
2. Approved to authorize the Company’s Board of Directors to declare these decisions in one or more deed of meeting decisions made
before a Notary, notify the change in the Company’s data to the Minister of Law and Human Rights of the Republic of Indonesia to
obtain a letter of receipt of notification of changes to the Company’s data.
The results of calculation voting Total Abstain and Agree: 9,095,168,467 shares or 99.219%
card
Abstain Disagree Agree
609,931 shares 71,614,470 shares 9,094,558,536 shares
or 0.007% or 0.781% or 99.212%
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 301
Page 304
Sixth Agenda
1. Approved changes to the provisions in the Company’s Articles of Association namely article 11 paragraph 5 (c), article 12 paragraph
11, article 14 paragraph 1, article 15 paragraph 10, article 18 paragraph 7 (a) and (b) and article 25 paragraph 4 in order to adjust to the
provisions and regulations in connection with:
- POJK Number 17 of 2023 concerning the Implementation of Governance for Commercial Banks article 8;
- POJK Number 12 of 2023 concerning Sharia Business Units articles 10, 11, 12;
- POJK Number 14/POJK.04/2022 concerning Submission of Periodic Financial Reports of Issuers or Public Companies;
- Decree of the Directors of PT Bursa Efek Indonesia Number Kep-00023/BEI/03-2015 concerning the Determination of The Cash
Dividend Schedule;
- Decree of the Directors of PT Bursa Efek Indonesia Number Kep-00077/BEI/09-2021 concerning Changes to the Provisions for
Implementing the Distribution of Share Dividends, Bonus Shares and Distribution of Interim Dividends.
- POJK No 15/POJK.04/2020 concerning Plans and Organizing General Meetings of Shareholders of Public Companies
- Articles of Association of the Company Article 27 paragraph 1 in conjunction with Article 19 paragraph (1) of the Limited Liability
Company Law, changes to the Articles of Association are determined by the General Meeting of Shareholders.
2. Give approval to the Company’s Board of Directors to restate the approved changes to the Articles of Association as referred to in
point 1 above and at the same time re-arrange all provisions of the Company’s Articles of Association into one Notarial deed and make
editorial changes if necessary in accordance with applicable regulations, then submit an application to the Minister of Law and Human
Rights of the Republic of Indonesia to obtain approval or receipt of notification of changes to the Articles of Association, register it in
the Company Register and publish it in the State Gazette of the Republic of Indonesia.
The results of calculation voting Total Abstain and Agree: 9,105,708,200 shares or 99.334%
card
Abstain Disagree Agree
Governance
Corporate
480,300 shares 61,074,737 shares 9,105,227,900 shares
or 0.005% or 0.666% or 99.328%
302 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 305
BOARD OF COMMISSIONERS
The Board of Commissioners (BOC) is the Bank’s 3. At least 1 (one) member of the BOC shall reside in
organ in charge of conducting general and/or special Indonesia.
supervision, in accordance with the Bank’s Articles 4. Members of the BOC consist of Independent
of Association, the provisions of laws and regulations Commissioners and Non-Independent
and acting on the decision of the BOC and advising Commissioners. At least 50% (fifty percent) of
the Board of Directors (BOD). the members of the BOC must be Independent
Commissioner.
The BOC is collectively tasked and responsible for 5. 50% (fifty percent) or more of the members of the
overseeing and providing advices to the BOD and BOC must be Indonesian citizen.
ensuring that the Company applies good corporate 6. The BOC is presided by President Commissioner
governance principles. The working relationship with assistance from Vice President
between the two Boards is that of checks and Commissioners.
balances on a principle that the two organizational 7. Members of the BOC may only:
Governance
Corporate
bodies have equal status and share a common a. Serve as a member of the BOC, BOD, or
objective to ensure the health and progress of the Executive Officer in 1 (one) non-financial
Company. institution/company; or serve as a member
of the BOC, BOD, or Executive Officer who
Members of the BOC are appointed and dismissed carries out the supervisory function in a non-
by GMS based on a transparent process and due bank subsidiary controlled by the Bank.
regards with recommendations from the Nomination b. Serve in non-profit organizations or institutions
and Remuneration Committee. They are appointed as long as the member concerned does not
for a term of office of 3 (three) years and may be neglect the implementation of his/her duties.
reappointed pursuant to the Bank’s Articles of Exceptions to the above:
Association. a. Non-Independent members of the BOC may
carry out the functional duties from the Bank
The appointment of members of the BOC is declared shareholders in the form of legal entities in
effective after they pass the fit and proper test given their business group as long as there are no
by the OJK. The members can be dismissed by the more than 4 (four) public companies.
GMS prior to the end of their term of office. b. Members of the BOC may concurrently serve
as Committee members in a maximum of 5
THE BOARD OF COMMISSIONERS CHARTER (five) committees in Listed or Public Company
AND WORK GUIDELINES where the member concerned also serves
The BOC has a Board of Commissioners Charter as a member of the BOD or a member of the
that governs among other matters, roles and BOC.
accountability, structure and membership, Concurrent positions as committee members
Independent Commissioners, term of office, duties as referred to in point b above can only
and responsibilities, authority, work ethics and be carried out to the extent that it does not
prohibitions for the BOC, meeting and proceeding, conflict with other laws and regulations.
transparency, reporting, BOC decision authority and 8. Parties that can become members of the BOC
procedure, BOC Performance Evaluation, and pattern are individuals who fulfil the requirements of the
of working relationship between the BOC, the BOD, OJK’s approval.
and Sharia Supervisory Board (SSB). The Charter is
prepared based on applicable regulations, corporate
governance principles, as well as best practices in
the implementation of good corporate governance
and are reviewed periodically.
STRUCTURE AND MEMBERSHIP
1. The members of the BOC shall consist of at
least 3 (three) members, namely: President
Commissioner, Vice President Commissioner, and
at least 1 (one) Commissioner.
2. The maximum number of BOC members shall not
exceed the number of BOD members.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 303
Page 306
Members of the BOC who have met the member of the BOC found guilty of causing a
requirements of the OJK’s approval during their company to be declared bankrupt.
tenure must have integrity, competence, and d. never been convicted of a criminal offence
good reputation. that is detrimental to state finances and/or
related to the financial sector.
Have integrity, among others: e. organizing the annual GMS.
a. having good character and morals, including f. his/her accountability as a member of the
not having been convicted of certain criminal BOD and/or a member of the BOC is always
offences within 20 (twenty) years before accepted by the GMS or always provides
nomination. accountability as a member of the BOD and/or
b. have a commitment to comply with laws and a member of the BOC to the GMS.
regulations and support OJK Policy. g. has never caused a company that obtained a
c. have a commitment to the development of license, approval, or registration from the OJK
sound business activities of the Bank. to not fulfil the obligation to submit annual
d. not undergoing the consequences of the final reports and/or financial reports to the OJK,
result of the reassessment of the main party and/or annual reports and/or financial reports
Governance
Corporate
with the predicate of not passing and/or not not approved and/or ratified by the GMS.
included in the list of not passing. h. supervising and supporting the implementation
e. capable of performing legal acts. of sound Bank management.
i. maintaining the Bank’s reputation.
Having competence, among others: 9. Members of the BOC must pass the fit and proper
a. having knowledge and/or competence test in accordance with applicable regulation, if
(expertise) that can be used in supervising the he/she does not pass the fit and proper test, he/
Bank, including related management policies she shall resign from the BOC.
and the course of management, and advising Independent Commissioners who have not
the BOD. obtained OJK approval are prohibited from
b. supervise the Bank and direct, monitor carrying out actions, duties and functions as Bank
and evaluate the implementation of the Independent Commissioners even though they
Bank’s strategic policies in accordance with have received approval and been appointed by
regulations, in the context of developing a the GMS.
healthy Bank, implementing effective and 10. The majority of the members of the BOC are
efficient risk management and internal control prohibited from having family relationships up to
systems and complying with applicable laws the second degree with a fellow member of the
and standards. BOC and/or a member of the BOD.
c. supervise the preparation of business 11. Member of the BOC, who is involved in financial
strategies and the implementation of business crimes, shall resign from the BOC.
activities by the BOD in order to ensure the 12. The appointment of a member of the BOC
alignment of environmental, social, and who comes from an employee or official at an
governance aspects. institution that performs the function of regulating
d. have knowledge of Indonesia, especially and/or supervising Banks and/or other financial
regarding the Indonesian economy, culture, services institutions shall be carried out after the
and language, for members of the BOC who person concerned has effectively ceased as an
are foreign workers in accordance with the employee or official and has undergone a cooling
OJK Regulation regarding the use of foreign off period of at least 6 (six) months.
workers and knowledge transfer programmers 13. In the event that there is a conflict of interest or
in the banking sector. potential conflict of interest of a candidate for
a member of the BOC as referred to in point 12
Have a good reputation, among others: above in connection with the nomination of the
a. not having bad credit and/or bad debt. person concerned in the Bank, the candidate
b. never been declared bankrupt. concerned shall disclose the conflict of interest in
c. never been a member of the BOD and/or a the fit and proper assessment process.
14. In the event that based on the assessment of
the OJK there is a conflict of interest or potential
conflict of interest of a candidate for a member
of the BOC in connection with the nomination
304 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 307
of the person concerned in the Bank, the who carries out the supervisory function
FSA is authorized to determine the necessary in 1 (one) non-bank subsidiary Company
supervisory actions. controlled by the Bank;
15. Prospective members of the Operational Financial b. Member of the BOC holds a position in a non-
Holding Company (FHC)’s BOC must have profit organization or institution;
knowledge of the Operational FHC and knowledge c. Non-Independent Commissioners carry out
of the Banks in the Financial Conglomerate. functional duties of the Bank’s shareholders in
the form of legal entities in the Bank and/or the
WORK ETHICS AND PROHIBITIONS ON THE Bank’s business group;
BOARD OF COMMISSIONERS to the extent that it does not cause the person
1. Members of the BOC shall not take advantage concerned to neglect the performance of duties
of the Bank for personal interests and/or for the and responsibilities as a member of BOC. For
interest of family, and/or other parties that may prospective members of the BOC who have such
harm or put the Bank at a disadvantage and harm positions, they must make a statement to:
its reputation as well as its subsidiaries. a. Maintain integrity;
2. Members of the BOC shall not take on/or receive b. Avoid any form of conflict of interest; and
Governance
Corporate
personal benefits from the Bank other than c. Avoid actions that may harm the Bank and/or
remuneration and other facilities determined at cause the Bank to violate prudential principles;
GMS. while serving as a member of the BOC.
Members of the BOC must disclose remuneration 6. Independent Commissioners are prohibited from
and other facilities as referred to in POJK regarding holding concurrent positions as public officials.
the implementation of governance in providing This prohibition applies to structural officials
remuneration for commercial banks and POJK and functional officials in public bodies. A public
regarding the implementation of governance in official is a person who is appointed and given
providing remuneration for sharia commercial the task of occupying a certain position or office
banks and sharia business units. in a public body. Public Bodies are executive,
3. Members of the BOC are prohibited from directly legislative, judicial and other bodies whose
or indirectly making untrue statements regarding main functions and tasks are related to state
material facts or not revealing material facts so administration, some or all of whose funds come
that the statements made will not obscure Bank’s from the state revenue and expenditure budget
condition at the time the statements were made. and/or regional income and expenditure budgets.
4. Members of the BOC are prohibited from holding 7. Members of the BOC must avoid any form of
concurrent positions: conflict of interest in the implementation of the
a. as a member of the BOD, member of the BOC, Bank’s management and supervisory duties.
member of the SSB, or Executive Officer at a 8. In the event of a conflict of interest, members
financial institution or financial Company both of the BOC are obliged to disclose the conflict
banks; of interest in every decision that meets the
b. as a member of the BOD, member of the BOC, conditions for a conflict of interest.
member of the SSB, or Executive Officer non- Disclosure of conflicts of interest is stated in
banks and at more than 1 (one) non-financial documents discussing conflicts of interest,
institution or Company, both domiciled at including minutes of meetings containing conflict
home and abroad; of interest decisions which at least include the
c. in the field of functional duties at bank name of the party with the conflict of interest, the
financial institutions and/or non-bank financial main issue of the conflict of interest, and the basis
institutions domiciled at home or abroad; for consideration of the decision. The decision
d. in other positions that may cause conflict of level for meeting minutes documents is adjusted
interest in the performance of duties as a to the disclosure of conflicts of interest.
member of the BOC; and/or 9. Members of the BOC are prohibited from
e. in other positions in accordance with the requesting, receiving, allowing, and/or agreeing to
provisions of laws and regulations. receive rewards, commissions, additional money,
5. Does not include concurrent positions in the event services, money, valuables, and/or anything
that:
a. Member of the BOC serves as a member of the
BOD, member of the BOC or executive officer
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 305
Page 308
that has economic value or other benefits, for DUTIES AND RESPONSIBILITIES OF THE
personal, family, and other parties’ benefits, in the BOARD OF COMMISSIONERS
implementation of the Bank’s business activities 1. The BOC is subject to work ethics (code of
and other activities related to the Bank. conduct), prevailing laws, regulations, and internal
10. Members of the BOC must refuse and/or are policies of the Bank.
prohibited from accepting an order or request 2. The BOC shall perform its duties and
from the Bank’s shareholders, affiliated parties, responsibilities independently. The BOC shall
and/or other parties to: provide sufficient time to optimally carry out its
a. Perform actions related to the Bank’s business duties and responsibilities in accordance with the
activities and/or other activities that are not in guidelines and work rules.
accordance with the implementation of good 3. Ensure the implementation of good corporate
corporate governance at the Bank. governance in all the Bank’s business activities at
b. Commit criminal offences and/or things that all levels of the organization.
indicate criminal offences. 4. In conducting supervision, the BOC shall direct,
c. Perform actions and matters that may harm, monitor, and evaluate the implementation of
potentially harm, and/or reduce the Bank’s integrated governance, risk management, and
Governance
Corporate
profits. compliance as well as the Bank’s strategic
11. Members of the BOC avoid actions that are policies, in accordance with the provisions of
deliberately taken to cause financial information laws and regulations, articles of association, and/
and/or reports to not reflect the actual condition of or GMS resolutions.
the Bank, manipulation of Bank information and/
or financial reports, Bank financial reports not in The BOC shall ensure that the implementation of
accordance with financial accounting standards, risk management covers country risk and transfer
Bank information and/or financial reports not in risk in accordance with the POJK regarding the
accordance with statutory provisions. implementation of risk management for sharia
commercial banks and sharia business units. The
BOARD OF COMMISSIONERS’ DISCLOSURE BOC shall perform at least:
1. Members of the BOC must disclose in the Good a. Evaluation of strategies and policies related to
Corporate Governance Report: country risk and transfer risk set by the BOD,
a. Remuneration and facilities received from b. Evaluate the accountability of the BOD and
Bank. provide direction for improvement on the
b. Shareholding that reaches 5% (five percent) implementation of policies related to country
or more, both in the Bank concerned and in risk and transfer risk on a regular basis.
other banks, non-banks financial institutions The BOC through the Risk Monitoring Committee
and/or other companies, domiciled at home shall supervise the implementation of risk
and abroad. management related to country risk and transfer
c. Financial and family relationships up to the risk carried out by the Bank including the
second degree with other members of the implementation of evaluation and stress testing.
BOC, members of the BOD, members of SSB 5. The BOC is prohibited from participating in
and/or controlling shareholders of Bank. the decision making of the Bank’s operations
d. Their positions at other companies. activities, except:
2. Members of the BOC must disclosure any a. In the case of provision of funds to related
situations which may create the possibility of parties in accordance with POJK regarding
conflict of interests. the maximum limit of lending and provision of
3. Members of the BOC shall make a statement large funds for commercial banks and POJK
regarding the fulfillment of the requirements of regarding the maximum limit of distribution
Integrity and financial reputation and submit it to of funds and distribution of large funds for
the Bank. Islamic commercial banks.
4. Members of the BOC are required to disclose b. Other matters specified in the Bank’s Articles
share ownership that reaches 5% or more, both of Association and the applicable laws and
in the Bank and in other banks and/or companies, regulations.
domiciled at home and abroad. The decision-making of the Bank’s operational
activities by the BOC as referred to above is part of
the supervisory duties (early surveillance efforts)
by the BOC so as not to negate the responsibility
of the BOD for the implementation of the Bank’s
management.
306 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 309
6. The BOC shall review the vision and mission of those related to the Bank’s business activities.
the Bank on regular basis. b. Circumstances or estimates of circumstances
7. In order to support the effectiveness of the that may jeopardise the Bank’s
implementation of its duties and responsibilities, business continuity, including based on
the BOC must form at least: recommendations from the committee that
a. Audit Committee assists in the effective implementation of the
b. Risk Oversight Committee duties of the BOC.
c. Nomination and Remuneration Committee Reported matters are findings that have not been
d. Corporate Governance Committee or are not reported by the Bank and/or by the
e. Integrated Corporate Governance Committee director in charge of the compliance function to
8. Committees established by the BOC are the OJK.
responsible to the BOC. 16. The BOC shall conduct monitoring and evaluation
9. The chairman of a committee of the BOC of information technology strategic plans and
as referred to in point 7 is prohibited from reviews the information technology’s policies and
concurrently serving as chairman of more than procedures proposed to the Bank by the BOD.
1 (one) another committee. 17. The BOC shall prepare, review and update BOC
Governance
Corporate
10. In the event that an Independent Commissioner Charter periodically.
serves on the Audit Committee, the Independent 18. The BOC members must continuously improve
Commissioner concerned may only be competencies through education and training.
reappointed to the Audit Committee for 1 (one) 19. The appointment of a Public Accountant and/
subsequent Audit Committee term of office. or Public Accounting Firm that will provide audit
11. In order to support the effectiveness of the BOC’s services on annual historical financial information
duty in supervising the integrated governance in must be decided by the GMS taking into account
which the Bank is the main entity, the BOC must the proposal of the BOC.
establish an Integrated Corporate Governance 20. In term the Bank acts as Operational FHC, the
Committee. Operational FHC’s BOC is obliged to at least:
12. The BOC shall evaluate the performances of the a. Carry out duties and responsibilities in
committees at least at the end of each financial accordance with authority, good faith and
year. prudential aspects;
13. The BOC members shall agree to sit in any of b. Carry out supervision for the interests of
the above Committees as members and/or as Operational FHC over the policies and course
chairman as recommended by the Nomination and of management by the BOD, provide advice
Remuneration Committee. The BOC shall ensure to the BOD, and be responsible for such
that the Committees referred to the above carry supervision; and
out their duties and responsibilities effectively. c. Directs, monitors and evaluates the
14. The appointment and dismissal of BOC committee implementation of integrated governance,
members shall be made by the BOD based on a risk management and compliance as well as
resolution of the BOC meeting. FHC strategic policies, in accordance with the
15. The BOC shall ensure that the BOD has followed provisions of laws and regulations, the articles
up on audit or examination findings and of association and/or decisions of the general
recommendations from The Bank’s Internal Audit meeting of shareholders.
Unit, external auditors, OJK supervision results, 21. If the Bank has a Sharia Business Unit (UUS),
and/or supervision results of other authorities and the BOC is responsible for the development of
institutions. the UUS, which is conducted in accordance
16. The BOC shall make recommendations on with the POJK regarding the implementation of
improvements or suggestions submitted by corporate governance for commercial banks,
the Audit Committee and shall convey such the provisions of laws and regulations regarding
recommendations to the BOD. the implementation of sharia governance and in
17. The BOC shall maintain confidentiality of all accordance with applicable laws and regulations.
documents, data, and information of the Bank. 22. The BOC shall actively supervise the
18. The BOC shall notify OJK no later than 5 (five) implementation of non-performing asset
working days from the discovery of: management, allowance and provisioning by the
a. Violation of the provisions of laws and Bank in managing credit risk.
regulations in the field of banking, finance, and
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23. In terms of the application of Sharia principles e. approve the internal audit charter by
in the implementation of the Bank’s business considering the Audit Committee’s
activities: recommendations.
a. The BOC shall ensure that the BOD has 27. The BOC is obliged to monitor transactions of
followed up the recommendations of the SSB parties with special relationships on a regular
supervision results. basis.
b. The Bank must hold an SSB meeting with the
BOC at least 1 (one) time in 4 (four) months. DUTIES AND RESPONSIBILITIES OF
The meeting is held if attended by the majority PRESIDENT COMMISSIONER
of SSB members and the majority of BOC Coordinating the implementation of the duties and
members. responsibilities of the BOC, among others:
c. The appointment of Public Accountants 1. Receiving reports from Committees under the
and/or Public Accounting Firms in carrying BOC.
out external reviews of the implementation 2. Leading the BOC in carrying out its supervisory
of sharia corporate governance is carried and assurance duties, determining the urgency of
out by the BOC by taking into account the a situation if a BOC meeting is to be held in less
Governance
Corporate
recommendations of the audit committee. than 5 (five) days.
d. Members of the BOC must disclose: 3. Receiving power of attorney from the GMS to
• Financial relationships with members of distribute bonuses to BOC members.
the SSB; and
• Family relationship up to the second AUTHORITY OF BOARD OF COMMISSIONERS
degree with members of SSB; The authority of the BOC is regulated by the Bank’s
in the report on the implementation of Sharia Articles of Association, Corporate Governance Policy,
Corporate Governance. and the BOC Charter, which includes:
24. In certain conditions, the BOC is obliged 1. Access the documents, data, and information
to organize annual GMS and other GMS in about employee, funds, assets, and Bank’s
accordance with its authority as stipulated in laws resources as deemed necessary.
and regulations and the articles of association. 2. In relation to the implementation of its duties
25. The duties and responsibilities of the Operational and responsibilities, the BOC is authorized to
FHC BOC shall not be considered as concurrent communicate directly with employees, the BOD
positions. and other parties.
26. Members of the BOC are responsible for: 3. If necessary, the BOC has the authority to engage
a. ensure that members of the BOD develop and the independent parties outside of members of
maintain an adequate, effective and efficient the BOC to assist the implementation of its duties.
internal control system; 4. The BOC is authorized to perform any other
b. review the effectiveness and efficiency of the authority granted by the Bank’s Article of
internal control system based on information Association and prevailing laws and regulations.
obtained from IAU at least once every 1 (one) 5. The BOC is authorized to temporarily suspend a
year; member of the BOD by stating the reasons.
c. appoint an independent quality controller from
an external party to review IAU’s performance,
taking into account the recommendations of
the Audit Committee;
d. ensure that the implementation of internal
audits at conglomerate members is carried
out using internal audit standards at banks
in connection with the Company acting as
Operational FHC; and
308 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 311
NUMBER, COMPOSITION AND CRITERIA OF THE BOARD OF COMMISSIONERS
The composition, number and composition of the Bank’s BOC are as follows:
No Name Position
1 Yasushi Itagaki President Commissioner
2 Halim Alamsyah Vice President Commissioner (Independent)
3 Peter Benyamin Stok Independent Commissioner
4 Nobuya Kawasaki Commissioner
5 Hedy Maria Helena Lapian Independent Commissioner
6 Dan Harsono Commissioner
All members of the BOC have passed the fit and proper test from the OJK
The number of the Bank’s BOC members as of December 31, 2025 is 6 (six) persons, which does not exceed
the number of the Bank’s BOD members is 8 (eight) persons.
Governance
Corporate
Half or 50% of BOC members are Independent Commissioners – specifically, Halim Alamsyah, Peter Benyamin
Stok and Hedy Maria Helena Lapian who domiciled in Indonesia. The number and composition of the BOC
is in accordance with the needs and complexity of the Bank while considering the effectiveness of decision
making, and has fulfilled the prevailing laws and regulations.
The term of office of the Board of Commissioners is until the closing of the 3rd (third) Annual GMS which will
be held no later than June 2026, without prejudice to the right of the GMS to dismiss them at any time even
though their position has not yet ended in accordance with the provisions in the Bank’s Articles of Association
and applicable laws.
BOC member is appointed and/or replaced by the GMS that considers the recommendation of the Nomination
and Remuneration Committee.
The replacement and/or appointment of members of the BOC prioritizes professional composition,
independence, suitability of competence, and attention to diversity, which are appropriately required in the
implementation of the duties and responsibilities of the BOC.
The term of office of a member of the BOC will automatically end if the referred member:
• Is declared bankrupt or is placed under guardianship based on a court decision.
• Is suspended from serving as a member of the BOC because of statutory provisions or provisions of laws
and regulations.
• Passed away.
• Terminated based on GMS decisions.
• Fails to meet the criteria as referred to in the provisions of laws and regulations.
• Resigns.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 309
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Effective Approval Term of Number of
Name Position AGM Date Domicile
date (BI/OJK) Office Appointments
Yasushi Itagaki President
March 31, 2023 January 1, 2024 2023-2026 1x Japan
Commissioner
Halim Alamsyah Independent
August 26, 2021 November 15, 2021 2021-2023
Commissioner
Vice President 2x Indonesia
Commissioner March 31, 2023 June 7, 2023 2023-2026
(Independent)
Peter Benyamin Independent March 20, 2018 July 5, 2018 2018-2020
Commissioner
Stok
March 26, 2019* 2019-2020
3x Indonesia
March 23, 2020 April 25, 2019** 2020-2023
March 31, 2023 2023-2026
Nobuya Commissioner October 1, 2019 2019-2020
Kawasaki
March 23, 2020 May 20, 2020 2020-2023 3x Singapore
Governance
Corporate
March 31, 2023 2023-2026
Hedy Maria Independent November 26, 2020 2020-2023
Commissioner December 21, 2020 2x Indonesia
Helena Lapian
March 31, 2023 2023-2026
Dan Harsono Commissioner April 30, 2021 2021-2023
November 18, 2021 2x Thailand
March 31, 2023 2023-2026
Information:
* In accordance with the EGMS decision on March 26, 2019, we have approved changes to the composition of the BOC due to the merger process between
PT Bank Danamon Indonesia Tbk and PT Bank Nusantara Parahyangan Tbk (“BNP”).
** Based on OJK letter No. S-122/PB.122/2019 dated April 25, 2019 concerning Submission of the Decision of the Board of Commissioners of the Financial
Services Authority regarding the Merger of PT Bank Nusantara Parahyangan Tbk into PT Bank Danamon Indonesia Tbk and the Fit and Proper Test Results of
the Management of PT Bank Danamon Indonesia Tbk (as a result of the merger), the entire Board of Commissioners has passed the fit and proper test from
the OJK.
CRITERIA FOR INDEPENDENT 6. Independent Commissioners serve for a certain
COMMISSIONER [IDX G-06] period of time and can be reappointed after
In addition to meeting the criteria for BOC member, obtaining GMS approval, at most for 2 (two)
an Independent Commissioner of the Bank shall meet consecutive terms of office.
following criteria: Independent Commissioners who have served
1. Has no financial, management, share ownership, for 2 (two) consecutive terms of office may be
and/or family relationship with members of the reappointed for the next period as Independent
BOD, other members of the BOC, members of Commissioner a recommendation from the
SSB and/or controlling shareholders including Nomination and Remuneration Committee which
the last controlling shareholder, or a relationship has considering:
with the Bank that may affect the ability to act a. The results of the assessment of the BOC
independently. meeting stating that the Independent
2. Has no ownership of the Bank’s shares either Commissioner can still act independently.
directly or indirectly. b. The concerned Independent Commissioner
3. Does not have a business relationship, directly or declares his/her independency at the GMS.
indirectly, related to the business activities of the The statement of independence of the
Bank. Independent Commissioner must be disclosed
4. Is not a person who works or has the authority and in the corporate governance report.
responsibility for planning, directing, controlling, c. The results of the Independent Commissioner’s
or supervising the activities of the Bank within performance assessment.
the last 1 (one) year, except for reappointment d. The results of the assessment by the head
as Independent Commissioner of the Bank in the of the Internal Audit Working Unit and the
subsequent period. Executive Officer in charge of the human
5. Is not affiliated with the Bank, and BOC members, resources function state that the Independent
BOD members, SSB members as well as major Commissioner can still act independently.
shareholders or the Bank. 7. Former member of the BOD or Executive Officer
of the Bank or parties who have a relationship
with the Bank, which may affect their ability to
310 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 313
act independently, may affect their ability to act In the event that an Independent Commissioner
independently must undergo cooling off of at least is dismissed or replaced before the term of
1 (one) year before becoming an Independent office ends because he or she is undergoing
Commissioner of the Bank. Cooling off can the consequences of the final results of the
also be applied to Independent Commissioner re-evaluation of the main party with the title of not
candidates who come from parties who have a passing, the matter in question is equated with
conflict of interest with the Bank in accordance approval of the dismissal or replacement from the
with POJK Commercial Bank Governance. OJK.
8. Former President Director, former member of the
BOD in charge of supervisory function or Executive In granting approval, OJK assesses the feasibility
Officer who performs supervisory function at of the plan to dismiss or replace the Independent
Bank can become Independent Commissioners Commissioner. The Bank submits a request to
at the Bank after undergoing a cooling off period OJK by letter or meeting accompanied by the
of at least 6 (six) months before becoming a with submission of information and/or documents
a working period in the said position of at least supporting the dismissal or replacement of the
1 (one) year before completion of work. person concerned, including:
Governance
Corporate
9. Applications for a fit and proper test for a. Reasons or considerations for the dismissal or
Independent Commissioner candidates are replacement of Independent Commissioners
submitted no sooner than 90 (ninety) days after accompanied by submission of information
the person concerned begins the cooling off and/or documents supporting the dismissal
period. or replacement, including reasons or
10. The cooling off period is the time between the considerations for dismissal or replacement
effective end of the relevant position stated in along with supporting documents, including:
writing as a member of the Bank’s BOD or Bank • legal problems faced or health conditions
Executive Officer or other party related to the concerned that affect the Bank’s financial
Bank, and the effective appointment of the person condition.
concerned as an Independent Commissioner. The • The results of the performance
cooling off period for Independent Commissioner assessment conducted by the Bank show
candidates is carried out outside the Bank that the person concerned is deemed not
concerned. to support the development of the Bank’s
11. In the case the Independent Commissioner business activities and/or not to carry out
position is vacant and results in the violation of their duties and responsibilities optimally.
prevailing laws and regulations, the Bank shall fill • negligence or fraud committed by the
the vacancy no later than the next annual GMS or person concerned, causing the Bank
within 6 (six) months after the vacancy occurs. to suffer losses and/or disrupting the
12. Non-Independent Commissioners can switch to continuity of the Bank’s business; and/or
become Independent Commissioners of the Bank • not following up on audit findings
or a group of Bank by fulfilling the requirements conducted by IAU, the OJK, or other
as Independent Commissioners. parties.
13. Non-Independent Commissioners who will switch b. The Bank may include the profile of the
to become Independent Commissioners must replacement candidate who is considered to
undergo a waiting period of at least 1 (one) year. meet the requirements for a fit and proper
14. Changes in position status from Non-Independent assessment.
Commissioner to Independent Commissioner
at the same Bank must obtain OJK approval in The document containing the reasons for the
accordance with POJK regarding the fit and proper dismissal or replacement of the Independent
test for the main parties of financial services Commissioner above is prepared by the
institutions. To obtain approval, prospective committee in charge of the nomination function
Independent Commissioners must, among other and approved by many members of the Bank’s
things, submit a statement of independence. BOC.
15. Dismissal or replacement of Independent
Commissioners before the term of office ends
must obtain prior approval from OJK before being
decided at the GMS in the manner as stipulated in
the POJK on Commercial Bank Governance.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 311
Page 314
Submission of the letter is addressed to the Bank Commissioner before receiving the approval letter
Supervision Department or the local OJK Office from the OJK, the Bank must conduct another
according to area where the Bank’s head office is GMS to cancel the dismissal or replacement of
located. the Independent Commissioner.
17. Has knowledge in the banking sector that
16. Requests for dismissal or replacement of an is adequate and relevant to the position as
Independent Commissioner before the end of Independent Commissioners.
their term of office are submitted to OJK at the 18. Experienced in banking and/or finance.
latest 1 (one) month prior to the plan to hold the 19. All Independent Commissioners must sign a
GMS containing the dismissal or replacement statement of independence. This statement
agenda. must be prepared and updated regularly with a
statement of not assuming any other positions
The Bank can include an agenda for the dismissal unpermitted by the OJK.
or replacement of Independent Commissioners
in the GMS accompanied by supervisory INDEPENDENCE OF THE BOARD OF
recommendations (if any), if the Bank receives an COMMISSIONERS MEMBERS
Governance
Corporate
OJK approval letter regarding the plan. All of the current BOC members do not have financial
and family relations to the second degree with their
Banks are prohibited from including an agenda fellow members, members of the BOD, DPS, or with
for the dismissal or replacement of Independent Controlling Shareholders. More than of 50% (fifty
Commissioners in the GMS, if the plan is not percent) of the BOC members have no financial
approved by the OJK. relationship with the controlling shareholder and
none of the BOC members has financial relationship
In the event that the OJK does not approve the with their fellow members, members of the BOC and
plan to dismiss or replace the Independent SSB.
Commissioner, but the Bank has conducted
a GMS to dismiss or replace the Independent
FAMILY AND FINANCIAL RELATIONSHIP
The family and financial relationships of member of the BOC with fellow members of the BOC, members of the
BOD, SSB and Controlling Shareholders, can be seen in the following table:
Family Relation with Financial Relation with
Member of Member of Controlling Member of Member of Controlling
Name Position SSB SSB
BOC BOD Shareholders BOC BOD Shareholders
Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No
Yasushi Itagaki
President - √ - √ - √ - √ - √ - √ - √ √ -
Commissioner
Vice President - √ - √ - √ - √ - √ - √ - √ - √
Halim Alamsyah Commissioner
(Independent)
Peter Benyamin Independent - √ - √ - √ - √ - √ - √ - √ - √
Stok Commissioner
Nobuya
Commissioner - √ - √ - √ - √ - √ - √ - √ √ -
Kawasaki
Hedy Maria Independent - √ - √ - √ - √ - √ - √ - √ - √
Helena Lapian Commissioner
Dan Harsono Commissioner - √ - √ - √ - √ - √ - √ - √ - √
312 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 315
CONCURRENT POSITIONS OF THE BOARD OF COMMISSIONER MEMBERS
Members of the BOC may only:
1. Serve as a member of the BOC, BOD, or Executive Officer in 1 (one) non-financial institution/Company; or
Serve as a member of the BOC, BOD, or Executive Officer who carries out the supervisory function in a
non-bank subsidiary controlled by the Bank.
2. Serve in non-profit organizations or institution as long as the member concerned does not neglect the
implementation of his/her duties.
Exceptions to the above:
1. Non-Independent members of the BOC may carry out the functional duties from the Bank shareholders
in the form of legal entities in their business group as long as there are no more than 4 (four) public
companies.
2. Members of the BOC may concurrently serve as Committee members in a maximum of 5 (five) committees
in Listed or Public Company where the member concerned also serves as a member of the BOD or a
member of the BOC.
Concurrent positions as committee members as referred to in point 2 above can only be carried out to the
Governance
Corporate
extent that it does not conflict with other laws and regulations.
Members of the BOC have disclosed concurrent positions in the Statement Letter and there are no concurrent
positions beyond those permitted by POJK regarding the implementation of corporate governance for
commercial banks.
Information on concurrent positions for members of the BOC as of December 31, 2025 can be seen in the
table below.
Name Position in the Bank BOC Position in Other Institutions/Companys
Yasushi Itagaki President Commissioner 1. Senior Managing Corporate Executive, Group Chief Operating Officer
International (COO-I) & Group Head, Global Commercial Banking
Business Group, Mitsubishi UFJ Financial Group.
2. Member of the BOD, Deputy President Chief Executive of Global
Commercial Banking (GCB), Business Unit, Chief Operating Officer
International (COO-I), MUFG Bank, Ltd.
Halim Alamsyah Vice President Commissioner Audit Committee of PT Sinarmas Multi Artha Tbk
(Independent)
Peter Benyamin Stok Independent Commissioner -
Nobuya Kawasaki Commissioner 1. Chief Executive for Asia Pacific, Managing Executive Officer, MUFG
Bank, Ltd
2. Director Ascend Money
3. Director Globe Fintech Innovations, Inc
4. Director Silvrr Technology Co., Ltd
Hedy Maria Helena Lapian Independent Commissioner Independent Commissioner of PT Supra Boga Lestari Tbk
Dan Harsono Commissioner 1. Commissioner, PT Home Credit Indonesia
2. Chairman of HC Consumer Finance Philippines, Inc.
3. Chairman of SHBBank Finance Company Limited
4. Advisor, MUFG Bank Ltd.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 313
Page 316
SHARES OWNERSHIP OF MEMBERS OF THE BOARD OF COMMISSIONERS
As of December 31, 2025, the direct and indirect share ownership of each members of the BOC in Banks,
Other Banks, Non-Bank financial institutions, and other Companies, as follows:
Ownership Share in
Name Position Non-Bank
Bank Other Bank Financial Other Company
Institution
Yasushi Itagaki President - 42,000 shares of - -
Commissioner Mitsubishi UFJ
Financial Group inc.
Halim Alamsyah Vice President 20,000 shares • 20,000 shares of ANTM
Commissioner - of BBRI - • 300,000 shares of BUKA
(Independent) • 100,000 shares of TLKM
Peter Benyamin Stok Independent - - 1,009,600 • 153,900 shares of TLKM
Commissioner shares of • 457,125 shares of ENRG
WOMF • 33 shares of KIJA
• 500 shares of KRAS
Governance
Corporate
• 335,000 shares of KKGI
• 608,000 shares of WSBP
• 571,500 shares of MTEL
• 73,500 shares of PTBA
Nobuya Kawasaki Commissioner - - - -
Hedy Maria Helena Independent - 173,400 shares - -
Lapian Commissioner of BNGA
Dan Harsono Commissioner - - - -
POLICY ON DIVERSITY IN THE COMPOSITION OF THE BOARD OF COMMISSIONERS [GRI 405-1]
In the process of nominating members of the BOC, in addition to consideration of the minimum requirements,
the scope and balance of knowledge, skills, and experience, as well as the need for diversity are also taken
into consideration to determine the composition of the BOC. The optimal composition of the BOC will increase
the effectiveness of the implementation of the duties and responsibilities of the BOC.
In this context, the Bank has a Diversity Policy that serves as reference in the process of nominating candidates
for members of the BOC. The Bank appreciates and respects every difference in perspective, knowledge,
ability and experience of each individual without prejudice against race, ethnicity, gender and religion.
REMUNERATION OF THE BOARD OF COMMISSIONERS
Indicators and Procedures for Determining the Remuneration of the Board of Commissioners
The amount of remuneration for members of the BOC is determined based on the performance of each
member by considering the duties and responsibilities of the BOC.
The remuneration formulation refers to the Bank internal policies and condition, applicable external
regulations, and industry comparison. The Nomination and Remuneration Committee gives recommendations
to the BOC and is submitted to the GMS for approval. The distribution of remuneration is carried out by the
President Commissioner. The General Meeting of Shareholders approved the authorization to the President
Commissioner of Bank to determine the amounts of bonus/tantiem and as well as the amount of salary or
honorarium and benefits for the fiscal year 2025 for each member of the BOC based on recommendations
from the Nomination and Remuneration Committee.
314 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 317
PROCEDURE FOR DETERMINING THE REMUNERATION OF THE BOARD OF COMMISSIONERS
Nomination and Remuneration Committee
The Nomination and Remuneration Committee collects information on remuneration
standards for similar positions and industries in the market, taking into account Bank’s
performance. The Committee makes recommendations to the BOC.
Board of Commissioners
The BOC reviews the recommendations of the Nomination and Remuneration Committee and
proposes the remuneration of the BOC to the GMS.
General Meeting of Shareholders
Governance
Corporate
The GMS determines the remuneration for members of the BOC and authorizes the President
Commissioner to carry out the distribution to each member of the BOC.
Remuneration of Commissioner Members
The distribution of remuneration to members of the BOC is in accordance with the results of
the GMS decision.
REMUNERATION STRUCTURE OF THE BOARD OF COMMISSIONERS
The remuneration package received by members of the BOC and the grouping of remuneration levels and
the number of members of the BOC who receive remuneration packages in 1 (one) year, are disclosed in the
Remuneration Policy section of this report.
BOARD OF COMMISSIONERS MEETING
1. The BOC is obligated to have at minimum bi-monthly meetings or at any time if deemed necessary.
Meetings between the BOC are intended as a medium for communication between members of the BOC
in carrying out their supervisory functions in an orderly manner, and this forum can be used, among other
things, to decide on policies and actions related to the implementation of the functions of the BOC.
2. The implementation of the BOC meeting must be physically attended by all members of the BOC at least
2 (two) times in 1 (one) year, preferably in the context of evaluating or determining strategic policies and
evaluating the realization of the Bank’s Business Plan (RBB).
In the event that a member of the Non-Independent Member of BOC is unable to physically attend the BOC
meeting, he/she may attend the BOC meeting via face-to-face by utilizing information technology.
3. A Board of Commissioners meeting is convened if attended by a majority of the members of the BOC.
4. The BOC shall have a joint meeting with the BOC periodically at least once in every 4 (four) month.
5. Members of the BOC must attend the BOC meetings at least 75% of the total BOC meetings in a year.
6. Meetings of the BOC may be held via teleconferencing technology, included with:
a. the basis for the decision to hold a meeting using teleconferencing technology, including internal Bank
regulations and minutes of meetings of the BOC.
b. proof of recording of meetings held or administered in accordance with statutory provisions and/or
Bank policy; and
c. minutes of the meeting regarding this matter signed by all participants who were present physically or
via teleconferencing technology.
7. The BOC meeting is chaired by the President Commissioner. If the President Commissioner is not present,
any BOC member in attendance is appointed to choir the meeting.
8. The BOC shall schedule the next year meetings before the end of the fiscal year.
9. In the meetings which have been scheduled as mentioned above, the meeting invitation and meeting
materials shall be sent to the meeting participants before the meeting is held. Invitation to the BOC Meeting
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 315
Page 318
must be made in writing and sent by registered 17. Any member of the BOC in any manner
Letter or delivered directly with a proper receipt or whatsoever, either directly or indirectly have
by facsimile or by other means of communication personal or conflict of interest in a transaction,
(among others, not limited to electronic mail) to all contract or a proposed contract to which the Bank
members of the BOC by stating the date, time and is a party, shall reveal the nature of such interest
place of the meeting and the agenda of the BOC in BOC meetings and has no right to participate
Meeting. in voting with regard to transaction, contract or
10. BOC Meeting invitation must be sent to (the) a proposed contract mentioned above, unless
members of the BOC no later than 3 (three) days determined otherwise by the BOC meeting.
before the date the Meeting is held or in a shorter 18. In relation to integrated corporate governance,
period of time in urgent circumstances, which is the BOC of the Operational FHC is required to
no later than 1 (one) day before the BOC Meeting. hold regular meetings at least 1 (one) time each
The urgent circumstance is determined by the semester.
President Commissioner or by a majority of the 19. Attendance of members of the BOC in meetings
BOC members. shall be disclosed in the annual report.
11. In the event that the position of the President
Governance
Corporate
Commissioner is vacant or unable to attend the
BOC Meeting, which does not need to be proven FREQUENCY OF BOARD OF COMMISSIONERS
to a third party, the BOC Meeting shall be chaired MEETINGS
by a member of the BOC who is elected by and Throughout 2025, the BOC held 6 (six) internal and
from the BOC members present at the BOC 3 (three) The BOC’ meetings invited the BOD and
Meeting. held 3 (three) meetings with the SSB. All meetings
12. Resolutions of the BOC meetings shall first be conducted during the year 2025 met the quorum
made based on deliberation to reach a consensus. requirements and were attended both physically
In the event thot deliberation to reach consensus and via teleconference technology by the members
does not occur, decisions shall be made by voting of the BOC. Decision-making in the meetings was
based on the affirmative votes of more than conducted through consensus, and there were no
½ (one-half) of the total number of members of dissenting opinions in the decisions made during the
the BOC present or represented at the meeting. year 2025.
Decisions made by ½ (one-half) are based on the
principle of one person, one vote. Information regarding the schedule, agenda,
13. Results of the BOC meetings including joint BOC materials, results, and minutes of the meetings held
and BOD meetings shall be stated in minutes of has been distributed to members of all BOC, BOD,
meeting and distributed to all members of the and/or SSB and documented in accordance with the
BOC and/or BOD directly or electronically and well provisions of statutory regulations.
documented in accordance with the provisions of
statutory regulations.
14. All decisions of the BOC are binding to all members
of the BOC. Dissenting opinions that occur in BOC
meetings and reasons for such disagreements
shall be clearly stated in minutes of meetings.
15. The BOC may adopt lawful and binding decisions
without convening a BOC meeting, on condition
that all members of the BOC approve the decision
in writing.
16. In a BOC meeting, a member of the BOC can
only be represented by other member of the BOC
based on a power of attorney.
316 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 319
MEETING AGENDA OF BOARD OF COMMISSIONERS
No Meeting Date Meeting Agenda
1 January 31, 2025 • Review and Approval of Previous Minutes of Meeting
• Risk Oversight Committee Report
• Audit Committee Report
• Corporate Governance Committee Report
2 March 21, 2025 • Review and Approval of Previous Minutes of Meeting
• Risk Oversight Committee Report
• Audit Committee Report
3 May 28, 2025 • Review and Approval of Previous Minutes of Meeting
• Risk Oversight Committee Report
• Audit Committee Report
4 July 29, 2025 • Review and Approval of Previous Minutes of Meeting
• Risk Oversight Committee Report
• Audit Committee Report
• Corporate Governance Committee Report
5 September 26, 2025 • Review and Approval of Previous Minutes of Meeting
• Risk Oversight Committee Report
• Audit Committee Report
Governance
Corporate
• Corporate Governance Committee Report
6 November 18, 2025 • Review and Approval of Previous Minutes of Meeting
• Risk Oversight Committee Report
• Audit Committee Report
BOARD OF COMMISSIONERS MEETING AGENDA INVITING THE BOARD OF DIRECTORS
No Meeting Date Meeting Agenda
1 January 31, 2025 • Review and Approval of Previous Minutes of Meeting
• Business Update
• Preparation: 2025 Annual General Meeting of Shareholders
• Reverse Manager Forum – Observation & Sharing Session
2 May 28, 2025 • Review and Approval of Previous Minutes of Meeting
• Business Update
• Gesit Update
3 July 28 & 29, 2025 • Review and Approval of Previous Minutes of Meeting
• CEO Presentation
• Risk: Impact From Tariff & Global Economy
• Business Update
BOARD OF COMMISSIONERS MEETING AGENDA WITH SHARIA SUPERVISORY BOARD
No Meeting Date Meeting Agenda
1 April 28, 2025 • DPS Evaluation of Sharia Business Unit Activities
• Business Update
• DPS Recommendation
2 August 26, 2025 • DPS Supervision of Sharia Business Unit Activities on Sharia Principles Implementation
(May – August 2025)
• DPS Recommendation
3 December 23, 2025 • DPS Supervision of Sharia Business Unit Activities on Sharia Principles Implementation
(September – December 2025)
• DPS Recommendation
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 317
Page 320
ATTENDANCE RATES AT MEETINGS [IDX G-02]
The attendance of members of the BOC at meetings held during 2025 is as follows:
Attendance Rate of Attendance Rate of BOC Attendance Rate of BOC
Name BOC Meetings Meetings inviting the BOD Meetings with the DPS
)Total 6 meetings( )Total 3 meetings( )Total 3 meetings(
Yasushi Itagaki 5/6 3/3 2/3
Halim Alamsyah 6/6 3/3 3/3
Peter Benyamin Stok 6/6 3/3 3/3
Nobuya Kawasaki 6/6 3/3 2/3
Hedy Maria Helena Lapian 6/6 3/3 3/3
Dan Harsono 6/6 3/3 3/3
SCHEDULE OF BOARD OF COMMISSIONERS MEETING PLAN IN 2026
At the end of 2025, the BOC has compiled a schedule of meeting plans that will be conducted in 2026 as many
as 6 (six) BOC Meetings, 3 (three) BOC Meetings inviting the BOD and 3 (three) BOC Meetings with the SSB.
Governance
Corporate
IMPLEMENTATION OF DUTIES AND RECOMMENDATIONS OF THE BOARD OF
COMMISSIONERS IN 2025
In carrying out its supervisory function, the BOC provides recommendations to the BOD by taking into account
inputs from the Committees that assist and are directly responsible to the BOC.
BOARD OF COMMISSIONERS PERFORMANCE ASSESSMENT[IDX G-04]
The Bank has a performance assessment policy that is used as a guideline to assess the effectiveness of the
implementation of the duties and responsibilities of the BOC both collegially and individually in accordance
with laws and regulations and The Bank’s Articles of Association. The performance assessment of the BOC is
assessed by considering several components, including:
1. Structure and composition of the BOC.
2. Effectiveness of implementing work program of the Committees under the BOC.
3. Supervision of strategy implementation and management of Bank.
4. Implementation of good corporate governance at the Bank.
5. Implementation of risk management and internal control in dealing with potential risks.
Individual performance assessment of the BOC is conducted annually by the President Commissioner based
on benchmarks agreed upon by each member of the BOC. The results of the performance assessment of
members of the BOC are one of the basic considerations for the Nomination and Remuneration Committee in
providing recommendations to the BOC to reappoint members of the BOC as well as material for preparing the
remuneration structure of the BOC.
ORIENTATION PROGRAM FOR NEW COMMISSIONERS
For new members of the BOC, the Bank has an induction program with the aim of providing an understanding
of the vision, mission and corporate culture, code of ethics, organizational structure, line of businesses, Board
of Commissioners’ Charter, as well as banking and capital market regulations. The orientation program is
carried out through the On-Boarding Program and brief presentations by both management and business
units and other supporting units face-to-face.
BOARD OF COMMISSIONERS TRAINING PROGRAM [POJK E.2] [IDX G-05]
Member of the BOC are always given the opportunity to improve their competency through training programs/
workshops organized internally and externally. In 2025, the participation of members of the BOC in training
programs/workshops was as follows:
318 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 321
Online /
Name Training/Conferences/Workshops Organization Date
Offline
Yasushi Itagaki Refresher Mandatory Risk Management Danamon Offline August 27, 2025
Certification Level 7 by Johny Kandano
Halim Alamsyah Economic & Industry Outlook by Mari Elka Danamon Offline February 28, 2025
Pangestu - Tantangan Ketidakpastian
Ekonomi Global dan Dampaknya Terhadap
Perekonomian Nasional
Economic & Industry Outlook by Mari Danamon Offline June 18, 2025
Elka Pangestu - Global Uncertainties and
Impact on Indonesia
Tantangan Global dan Peran Negara ISEI (Ikatan Online September 17-19, 2025
dalam Pembangunan Ekonomi Sarjana Ekonomi
Indonesia)
Refreshment Risk Management Danamon Offline October 17, 2025
Certification Refreshment Level 6
GRACS x IPSS 2025 with the theme ISACA Offline October 28, 2025
“Trust by Design: Privacy, Security, and AI
Governance for the Future”
Governance
Corporate
Economic & Industry Outlook by Mari Elka Danamon Offline November 10, 2025
Pangestu
Peter Benyamin Stok Training Sertifikasi Manajemen Risiko Danamon Online September 16, 2025
Jenjang 7
Ujian Sertifikasi Manajemen Risiko Level 7 Danamon Online October 6, 2025
Nobuya Kawasaki Refreshment Risk Management Danamon Online October 17, 2025
Certification Refreshment Level 6
Hedy Maria Helena Lapian Economic & Industry Outlook by Mari Elka Danamon Offline February 28, 2025
Pangestu - Tantangan Ketidakpastian
Ekonomi Global dan Dampaknya Terhadap
Perekonomian Nasional
Simposium Nasional – SUMITRONOMICS Katadata – ILUNI Offline June 3, 2025
dan Arah Ekonomi Indonesia FEB UI
Economic & Industry Outlook by Mari Danamon Offline June 18, 2025
Elka Pangestu - Global Uncertainties and
Impact on Indonesia
Refresher Mandatory Risk Management Danamon Online August 27, 2025
Certification Level 7 by Johny Kandano
GRACS x IPSS 2025 with the theme ISACA Offline October 28, 2025
“Trust by Design: Privacy, Security, and AI
Governance for the Future”
Economic & Industry Outlook by Mari Elka Danamon Online November 10, 2025
Pangestu
Dan Harsono Refreshment Risk Management Danamon Online October 17, 2025
Certification Refreshment Level 6
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 319
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COMMITTEES UNDER THE
BOARD OF COMMISSIONERS
To assist and support it in carrying out its duties and responsibilities, the Board of Commissioners (BOC) has
set up BOC committees, who report directly to the BOC. The BOC has 5 (five) committees to support the
effectiveness of its duties and responsibilities:
1. Audit Committee.
2. Risk Oversight Committee.
3. Nomination and Remuneration Committee.
4. Corporate Governance Committee.
5. Integrated Corporate Governance Committee.
Each of the committees has Committee Charter prepared and reviewed periodically based on applicable
Governance
Corporate
regulations. Committee membership is based on recommendations from the Nomination and Remuneration
Committee which are approved by the BOC and determined by the Board of Directors (BOD). Each of the
Committees is chaired by an Independent Commissioner.
PERFORMANCE ASSESSMENT OF THE BOARD OF COMMISSIONERS COMMITTEES
The BOC assesses the performance of committees of the BOC based on reports on the implementation of
duties and responsibilities submitted by each committee on a regular basis. The performance of the committees
of the BOC during 2025 was considered good by the BOC and contributed to supporting the implementation
of the duties and responsibilities of the BOC.
PROFILE OF COMMITTEE MEMBER
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Yasushi Itagaki • Japanese Citizen Member of the April 2023 - Banking and Bachelor of Laws,
61 years old • Domiciled in Japan Nomination and present Financial Industry University of Kyoto,
Remuneration 1987
President Committee
Commissioner
The complete profile is included in the Board of Commissioners Profile in this Annual Report
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Halim Alamsyah • Indonesia CItizen • Chairman of the • April 2023 – Economics, • Bachelor’s
68 years old • Domiciled in Indonesia Nomination and present Finance, degree
Remuneration Sharia Finance, University of
Vice President Committee Risk Gadjah Mada,
Commissioner • Chairman of the • April 2023 – Management Indonesia,
(Independent) Audit Committee present Faculty of Law,
1976 - 1981
• Bachelor’s
degree
University Islam
Indonesia,
Faculty of
Economics
Management,
1975 - 1980
• Master of Arts
in Development
Economics,
Boston
University, USA,
1983 - 1985
• Doctoral Degree
University of
Indonesia,
Monetary
Economic, 2004
- 2008
The complete profile is included in the Board of Commissioners Profile in this Annual Report
320 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 323
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Peter • Indonesian Citizen • Chairman of • April 2020 – Finance and Bachelor’s degree
Benyamin • Domiciled in Indonesia the Corporate present Banking in Economics
Stok Governance from Padjadjaran
76 years old Committee University, Bandung -
• Chairman of • April 2020 – Indonesia 1989
Independent the Integrated present
Commissioner Corporate
Governance
Committee
• Member of the • September 2021
Risk Oversight – present
Committee
The complete profile is included in the Board of Commissioners profile in this Annual Report.
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Governance
Corporate
Nobuya • Japanese citizen • Member of the • October 2022 – Finance • Bachelor of
Kawasaki • Domiciled in Singapore Nomination and present Mechanical
53 years old Remuneration Engineering, Keio
Committee University, 1995
Commissioner • Member of the • April 2020 – • Master of
Risk Oversight present Mechanical
Committee Engineering, Keio
• Member of • April 2020 – University, 1997
the Corporate present
Governance
Committee
• Member of • April 2020 –
the Integrated present
Corporate
Governance
Committee
The complete profile is included in the Board of Commissioners profile in this Annual Report
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Hedy Maria • Indonesian Citizen • Chairman of the • September 2021 Finance/ Risk • Bachelor’s degree
Helena • Domiciled in Indonesia Risk Oversight – present Management in management,
Lapian Committee Katholik
67 years old • Member of the • September 2021 Parahyangan
Nomination and – present University Bandung,
Independent Remuneration 1977
Commissioner Committee • Master of Business
• Member of the • April 2023 - Administration
Audit Committee present Joseph M. Katz
Gradute School of
Business University
of Pittsburgh, USA,
1983
The complete profile is included in the Board of Commissioners profile in this Annual Report.
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Dan Harsono • Thai citizen Member of the September 2021 - Finance • Bachelor’s Degrees
65 years old • Domiciled in Thailand Risk Oversight Present with Honors
Committee in Electrical
Commissioner Engineering
and Biomedical
Engineering from
the University of
Southern California
in Los Angeles,
California, 1982
• Master of Business
Administration
(MBA) in Finance
and Marketing from
Indiana University,
Bloomington, IN,
USA, 1984
The complete profile is included in the Board of Commissioners profile in this Annual Report
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 321
Page 324
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Mawar I.R. • Indonesian citizen • Member of the • April 2020 – • Accounting, • Bachelor’s
Napitupulu • Domiciled in Indonesia Audit Committee present Audit, and degree in
63 years old • Member of the • April 2020 – Finance accounting,
Risk Oversight present • Risk University of
Independent Party Committe Management Indonesia, 1986
and Control • Master of
Business
Administration
Katholieke
Universiteit
Leuven, Belgium
1990
The complete profile is included in the Independent Party profile in this Annual Report
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Governance
Corporate
Zainal Abidin • Indonesian citizen • Member of the • April 2020 – • Banking • Bachelor’s
70 years old • Domiciled in Indonesia Audit Committee present supervision and degree in
• Member of the • April 2020 – inspection economics,
Independent Party Risk Oversight present • Risk Airlangga
Committee management University, 1982
• Member of • April 2020 – • Accountancy • Master of Arts
the Integrated present (MA) Degree in
Corporate Development
Governance Economics,
Committee Williams
College,
Williamstown,
Massachusetts,
USA, 1989
The complete profile is included in the Independent Party profile in this Annual Report
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
M. Din • Indonesian citizen Member of November 2015 - • Islamic Law • Bachelor’s
Syamsuddin • Domiciled in Indonesia the Integrated present (Sharia) degree from
67 years old Corporate • Islamic Political IAIN Syarif
Governance Science, and Hidayatullah
Chairman of the Committee Interreligious Jakarta, 1979
Sharia Supervisory Cultural • M.A Degree of
Board Communication University of
• International California Los
Relations Angeles 1988
• Ph.D from
University of
California Los
Angeles (UCLA),
USA, 1991
The complete profile is included in the Sharia Supervisory Board profile in this Annual Report
322 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 325
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Roy • Indonesian citizen Secretary and December 2018 – • Risk Master of Industrial
Fahrizal • Domiciled in Indonesia Member of the present Management Engineering,
Permana Nomination and • Human Bandung Institute
50 years old Remuneration Resources of Technology,
Committee Management 2002
Bank Employee • Compensation
Representative and Benefit
• Recognition
Award
• Performance
Management
• Industrial
Relation
• HR Policy
• HR Area and
Business
Partner
• HR Operations
and Services
Governance
Corporate
Work Experience (Position, Agency and Period of Service)
• Rewards Head, PT Bank Danamon Indonesia Tbk, 2018 - present
• Country Head of HR, Grab Indonesia, 2017 - 2018
• Rewards and Services Head, Bank UOB Indonesia, 2009 - 2017
• Secretary and member of the Remuneration and Nomination Committee, Bank UOB Indonesia, 2009 - 2017
• Compensation and Benefits Head, Esia - BakrieTelecom, 2008 - 2009
• Managerial positions in Human Resources, including Rewards and Performance Management, HR Operations, HR Area and Business Partner, Bank CIMB
Niaga, 2003 - 2008
• Senior Analyst Compensation and Benefit, Texmaco Group, 1998-2003
• Financial Executive, National Commercial Bank, 1998
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
Krisna Wijaya • Indonesian citizen Member of September 2021 – Economics • Bachelor’s
70 years old • Domiciled in Indonesia the Integrated present and Corporate degree
Corporate Governance from Bogor
Independent Governance Agricultural
Commissioner Committee Institute,
PT Adira Dinamika Department
Multi Finance Tbk of Agricultural
Socio
Economics,
1980
• Master’s degree
in management,
Gajah Mada
University,
Department of
Social Sciences,
1990
• Policy Studies,
Gajah Mada
University, 2009
Work Experience (Position, Agency and Period of Service)
• Independent Commissioner, PT Adira Dinamika Multi Finance Tbk 2016 – present
• Chairman of the Risk Management and Corporate Governance Committe, PT Adira Dinamika Multi Finance Tbk 2021 – present
• Worked as a banker for approximately 35 years and 10 years at IKNB
• Member of the Assessment Team for Clarification/Presentation of Fit and Proper Test in the Banking Sector, Financial Services Authority, 2016 – present
• President Commissioner (Independent), PT Jaminan Kredit Indonesia, 2022 - present
• Member of the Sharia Supervisory Board, PT Club Syariah Insurance, 2008 – present
• Board of Experts of Infobank Magazine, 2020 - present
• President Commissioner (Independent), PT Brilian Indah Gemilang, 2019 – 2025
• Member of the Supervisory Board, Yayasan Adaro Membangun Negeri, 2010 – 2022
• President Commissioner (Independent), member of Audit Committee, and Chairman of Risk Management Committee, PT Perusahaan Pengelola Aset (PPA),
2020 – 2022
• Director, Indonesian Banking Development Institute, March 2016 - March 2022
• President Commissioner (Independent), member of the Audit Committee and Chairman of Risk Management Committee, PT Danareksa (Persero) 2019
• President Commissioner (Independent), member of the Audit Committee and Chairman of the Risk Management Committee, PT BNI Life Insurance, 2016 –
2018
• Independent Commissioner, Chairman of the Risk Management Committee and Member of the Audit Committee, PT Bank Mandiri Tbk, 2010 – 2015
• Commissioner, member of the Audit Committee and Risk Management Committee, PT Bank Danamon Indonesia Tbk, 2008 – 2010
• Chief Executive/ Board of Commissioner, Deposit Insurance Corporation, 2005 – 2007
• Team of Assistant Minister of Finance of the Republic of Indonesia, 2003
• Independent Commissioner, PT Bank Rakyat Indonesia (Persero) Tbk, May 2005 – September 2005
• Director of Micro and Retail Business, PT Bank Rakyat Indonesia (Persero) Tbk, 2003 – 2005
• Operations Director, PT Bank Rakyat Indonesia (Persero) Tbk, 2000 - 2002
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 323
Page 326
Qualifications/
Name, Age and Citizenship
Position Period Expertise Educational
Position & Domicile
Background
I Nyoman Tjager • Indonesian citizen Member of December 2024 – • Banking • Bachelor of
75 years old • Domiciled in Indonesia the Integrated present • Insurance Law, Gadjah
Corporate • Securities and Mada University,
Representative of Governance Securities Yogyakarta,
PT Home Credit Committee Custodian 1976
Indonesia • Legal and • Postgraduate,
Advocates Fordham
• Legal and University, New
Banking York – USA,
Auditors 1987
• Doctoral of Law,
Universitas
Gadjah Mada,
Yogyakarta,
2003
Work Experience (Position, Agency and Period of Service)
• Independent Commissioner, Chairman of Audit Committee, Chairman of Risk Oversight Committee and Chairman of Remuneration and Nomination
Committee, PT Home Credit Indonesia, 2015 – 2023, 2023 – present
• Member of Audit Committee & member of Risk Oversight Committee, PT Bank Nationalnobu Tbk, 2011 - present
Governance
Corporate
• Independent Commissioner and Chairman of Audit Committee, PT Sentul City Tbk, 2023 – 2025
• President Commissioner, Independent Commissioner and member of Integrated Corporate Governance Committee, PT Maybank Sekuritas Indonesia, 2015 –
2025
• President Commissioner (Independent Commissioner), Chairman of Remuneration & Nomination Committee and Chairman of Audit Committee,
PT Wahana Ottomitra Multiartha Tbk, 2015 – 2024
• Planning Expert, Supervisory Commission of the Special Task Force for Upstream Oil and Gas Business Activities (SKK Migas), 2018 – 2020
• Expert Staff for Planning, Supervisory Commission for the Special Task Force for Upstream Oil and Gas Business Activities (SKK Migas), 2016 – 2018
• President Commissioner, Independent Commissioner and chairman of Audit Committee, PT Sorini Agro Asia Corporindo, 2016 – 2020
• Independent Commissioner & Vice Chairman of GCG, Nomination & Remuneration Committee, AJB Bumiputera 1912, 2015 – 2016
• President Commissioner, PT Hanson Internasional Tbk, 2014 – 2017
• Independent Commissioner and Chairman of the Audit Committee, PT Ancora Indonesia Resource Tbk, 2008 – 2014
• President Commissioner, PT Bursa Efek Indonesia, 2008 – 2014
• Commissioner & Chairman of the Audit Committee, PT Bank Lippo Tbk, 2003 – 2008
• Expert Staff to the Minister of State-Owned Enterprises for Small Business Partnerships, Ministry of SOEs, 2001 – 2005
• Commissioner, PT Bhakti Capital Investment Indonesia Tbk, 2001 – 2004
• Vice President Commissioner (Independent Commissioner) and Chairman of the Audit Committee, PT Indocement Tunggal Prakarsa Tbk, 2001 – 2017
• Commissioner, PT Pupuk Kalimantan Timur (Persero) Tbk, 2000 – 2002
• Director General of State-Owned Enterprises Development, Ministry of Finance Deputy, 2000 – 2001
• Deputy Minister/ Deputy Head of the Investment & BUMN Development Agency for Restructuring & Privatization, 2000 – 2000
• Secretary to the Minister of State/ Main Secretary of the Investment & BUMN Development Agency, 2000 – 2000
• President Commissioner, PT Kustodian Sentral Efek Indonesia, 1999 – 2003
• Assistant Minister of State for Investment in the National Business Empowerment Sector/ Deputy for National Business Development, Investment
Coordinating Board (BKPM), 1999 – 2000
• Commissioner, PT Pelayaran Samudera Djakarta Lloyd, 1993 – 2001
• Head of Legal Bureau, Bapepam – Ministry of Finance, 1991 – 1999
• Head of Legislation & Legal Aid Division, Bapepam – Ministry of Finance, 1991 – 1991
• Head of Inspection & Evaluation Division of Legal Bureau, Bapepam – Ministry of Finance, 1990 – 1991
• Head of Control & Evaluation Sub-Division of Legal Bureau, Bapepam – Ministry of Finance, 1988 – 1990
• Staff of Legal Bureau, Bapepam – Ministry of Finance, 1979 - 1988
INDEPENDENT PARTY IN THE COMMITTEE
Independent Parties are parties outside the Bank who do not have financial, management, share ownership
and/or family relationships with members of the BOC, members of the BOD, member of the SSB and/or
controlling shareholders or relationships with the Bank that may keep them from acting independently. Based
on the Circular Decision of the Board of Commissioners and stipulated in the Circular Decision of the Board of
Directors, Independent Parties are appointed to the BOC committees as follows:
1. Zainal Abidin on the Audit Committee, Risk Oversight Committee and Integrated Corporate Governance
Committee.
2. Mawar I.R. Napitupulu on the Audit Committee and Risk Oversight Committee.
Independent Parties appointed must meet the competency and independence requirements required by the
committee.
324 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 327
AUDIT COMMITTEE d. Examine complaints relating to accounting and
financial reporting processes of Danamon.
The Audit Committee has been set up to assist the e. Mantain the confidentiality of documents,
Board of Commissioners (BOC) in monitoring and data and information of Issuers or Public
evaluating audit planning and implementation as Companies.
well as monitoring follow-ups on audit results to 2. External Audit
assess the adequacy of internal control, including a. Recommend to the BOC the regarding
the adequacy of financial reporting process. The appointment, re-appointment, termination or
Audit Committee ensures that the integrity, accuracy replacement, the term of engagement and
and adequacy of the financial statements and all remuneration of the Public Accountant to
significant risks are taken into account. The Audit be proposed to the Annual General Meeting
Committee also oversees the effectiveness of Shareholders (AGMS).
regulatory compliance. The Audit Committee also b. In making recommendations, the Audit
suggests recommendations on the right public Committee shall consider the following:
accountants from appropriate public accounting • Independence of Public Accountant,
firms and monitors their effectiveness. Public Accounting Firm, staffs of Public
Governance
Corporate
Accounting Firm.
Audit Committee Membership • Scope of audit.
The Audit Committee shall consist of at least one • Compensation for audit services.
Independent Commissioner, one Independent Party • Expertise and experience of Public
with expertise in finance or accounting, and one Accountant, Public Accounting Firm and
Independent Party with expertise in law or banking or team from Public Accounting Firm.
Islamic banking. The Audit Committee is chaired by • Audit methodology, techniques, and tools
an Independent Commissioner. All members of the used by Public Accounting Firm.
Audit Committee possess good integrity, ethics, and • Benefits of fresh eye perspectives that will
moral character. be obtained through the replacement of
Public Accountant, Public Accounting Firm
Audit Committee Charter and audit team of Public Accounting Firm.
The Audit Committee has Audit Committee Charter • Potential risk for the use of audit services
that governs matters pertaining to duties and by the same Public Accounting Firm
responsibilities, organization, membership criteria, consecutively for a fairly long period of
independency, authority, meeting convention, work time.
ethics and term of office. The Audit Committee • Evaluation results of the implementation
Charter is reviewed periodically to ensure it remains of audit services for annual financial
in compliance with all regulatory provisions and suit information by Public Accountant and
the Danamon’s business needs. The Audit Committee Public Accounting Firm in the previous
Charter was last updated in April 2025. period, if any.
• The results of the self-assessment
Duties and Responsibilities of the Audit Committee by Public Accounting Firm and Public
The duties and responsibilities of the Audit Committee Accountant on the fulfillment of audit
include: service period and the cooling off period
1. Financial Reporting for Public Accountant and/or Public
a. Review financial information to be issued to the Accounting Firm Personnel as stipulated in
public and/or to the authorities by Danamon, POJK No. 9 of 2024.
among others: the financial statements, c. Evaluate the audit of financial statements,
projections, and other statements relating to significant findings, and recommendations
financial information of Danamon. of the Public Accountant and the Board of
b. Monitor and evaluate the compliance of Directors (BOD)’s responses.
financial statements with the applicable d. Evaluate the conduct of audit services on
accounting standards and the provisions the annual historical financial information by
of Indonesia’s Financial Services Authority Public Accountant and/or Public Accounting
regarding the recording of financial Firm at the minimum:
transactions. • Conformity of audit implementation
c. Provide an independent opinion in the event by Public Accountant and/or Public
of a difference of opinion between the Accounting Firm with applicable audit
management and the accountant on the standards.
services provided. • Adequacy of fieldwork time.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 325
Page 328
• Assessment of the scope of services • Approval of Internal Audit Charter.
provided and the adequacy of the • Internal audit plan, scope, and budget
sampling. allocation.
• Recommendations for improvements • Internal Audit Working Unit annual
provided by Public Accountant and/or remuneration as well as performance
Public Accounting Firm. rewards.
The results of the Audit Committee’s evaluation • Appointment of an independent quality
shall be no later than 6 (six) months after the assurance from an external party to review
end of the financial year. the performance of Internal Audit Working
e. Monitor and evaluate the planning and Unit.
execution of the Public Accountant audits 4. Sharia Governance
and monitor follow-up audit results in order Provide recommendations to the BOC on the
to assess the adequacy of internal controls, appointment of independent quality control from
including the adequacy of the financial external parties to review the implementation
reporting process. of sharia governance which is carried out
f. Monitor and evaluate the compliance of Public periodically at least 1 (one) time in 3 (three) years
Governance
Corporate
Accounting Firm with applicable auditing for the period July to June of the following third
standards. year.
g. Review the adequacy of audit performed 5. Internal Control
by the Public Accountant to ensure that all Monitor and evaluate the implementation of
significant risks have been considered. internal control policies and procedures in the
3. Internal Audit Bank, among others in the financial reporting
a. Monitor and evaluate the implementation process, operational processes, compliance
tasks including the adequacy, effectiveness, processes, and information technology
and efficiency of the Internal Audit Working processes, to provide recommendations to the
Unit (IAU). BOC to ensure the integrity of the reporting
b. Review the independence of the Head of processes at the Bank.
IAU and ensure that he/she has direct and 6. Compliance
unrestricted access to the BOD, BOC and SSB. a. Review the compliance framework, and the
c. Review the scope of work and audit plans scope of work and plan of the Compliance
of the Internal Audit Working Unit, including function.
ensuring communication with the BOD, b. Review the adherence to laws and regulations
BOC, SSB regarding the discussion of Sharia relating to the Danamon’s activities.
principles, External Auditor, and Indonesia c. Review legal matters that may have a material
Financial Services Authority and other matters impact on the financial statements, related
related to the conduct of the audits. compliance policies, and reports received
d. Review significant findings and from regulators.
recommendations of the IAU and the BOD’s 7. Others
responses. a. In carrying out its duties and responsibilities,
e. Monitor and evaluate the implementation the Audit Committee shall act independently
of follow-up by the BOD on the findings of and based on the prevailing laws and
the Bank’s IAU, External Auditor, and on the regulations and provisions.
findings of audit results of the Indonesia b. The Audit Committee shall conduct an
Financial Services Authority and/or audit examination of an alleged error in the decision
results of other regulator and government of BOD’s meeting or irregularities in the
bodies. implementation of BOD meeting decisions.
f. Review the audit reports and ensure BOD The examination can be carried out by Audit
to take timely corrective actions needed to Committee or an independent party appointed
resolve weakness of control, fraud, compliance by the Audit Committee at the expense of
issues with policies, laws, regulations, or other Danamon.
issues identified and reported by IAU, External c. The Audit Committee shall prepare, review and
Auditor, and Indonesia Financial Services update Audit Committee Charter periodically.
Authority and or other regulatory bodies. d. The Audit Committee shall submit a review
g. Provide recommendations to the BOC result report to all members of the BOC after
regarding: report of the review results is completed by
• Appointment and dismissal of the Head of the Audit Committee.
Internal Audit Working Unit.
326 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 329
e. Provide an independent opinion when there is as well as are reasonably made under normal
a disagreement between the BOD and Public commercial terms.
Accountant for services rendered. 3. If necessary, engage independent party outside
f. Maintain the confidentiality of documents, the Audit Committee members to assist the
data, and information of Danamon. implementation of its duties.
g. The Audit Committee reviews and provides 4. Invite/appoint observers.
opinion to the Board of Commissioners 5. Perform any other authority granted by the BOC.
regarding the potential conflict of interest of 6. Access the Danamon’s documents, data, and
Danamon. information, the employees, funds, assets and
h. Members of the Audit Committee must necessary corporate resources while maintaining
enhance competencies through continuous the applicable secrecy provisions.
education and training. 7. Communicate directly with employees, including
the Board of Directors and those exercising
Authority of the Audit Committee internal audit, risk management and accounting
1. Investigate any matter within its terms of functions related to the Audit Committee’s duties
reference, access and cooperation with the and responsibilities.
Governance
Corporate
BOD and the discretion to invite every Director
or executive officer to attend its meetings,and to Structure, Membership, Expertise and Legal Basis
have reasonable resources in order to carry out for Appointment
its function properly. Structure and Membership
2. Review of affiliate transactions and conflict The Audit Committee has 4 (four) members,
of interest upon obtaining an appraisal report consisting of 2 (two) Independent Commissioners
from the Compliance Director, to ensure that and 2 (two) Independent Parties. The structure and
transactions are carried out with due regard to the membership of the Audit Committee has complied
interests of Danamon and minority shareholders with applicable regulations.
STRUCTURE AND MEMBERSHIP OF THE AUDIT COMMITTEE IN 2025
No Name Position at Bank Position on Committee
1 Halim Alamsyah Vice President Commissioner (Independent) Chairman
2 Hedy Maria Helena Lapian Commissioner Independent Member
3 Mawar Napitupulu Independent Party Member
4 Zainal Abidin Independent Party Member
Expertise of Audit Committee Members Term of Office
All members of the Audit Committee have met the The term of office of members of the Audit Committee
applicable provisions pertaining to the expertise may not exceed the term of office of the Board of
criteria of Audit Committee members that cover Commissioners as regulated in the Danamon’s
finance and/or accounting, risk management, Articles of Association and can only be re-elected for
banking and/or law, with due consideration on their 1 (one) subsequent period.
respective integrity, good attitude and morals as
stated in their statement letter. Policy and Implementation of Audit Committee
Meetings
Legal Basis of Appointment Audit Committee Meeting Policy
The incumbent members of the Audit Committee were • Committee meetings are held at least 1 (one) time
appointed through Circular Decree of the Board of in 1 (one) months in accordance with Danamon’s
Commissioners No.KSR-KOM.CORSEC.12.2025.007 needs.
dated December 10, 2025 and stipulated in the • Meetings may be held if attended by at least
Circular of the Board of Directors No.KSR-DIR. 51% (fifty-one percent) of the total number of
CORSEC.12.2025.004 dated December, 10 2025. members.
• Meeting decisions shall be made on the principle
Independency of Audit Committee Members of deliberation to reach consensus. In the event
All members of the Audit Committee are independent no consensus is reached, then the decisions
(Independent Commissioners and Independent shall be made through voting. Decisions taken
Parties). Non-independent Commissioners and with a majority vote are carried out based on the
Directors are not allowed to sit in the Audit Committee. principle of 1 (one) person 1 (one) vote.
Audit Committee members shall comply with the
Danamon’s Code of Conduct.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 327
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• Each meeting shall be recorded in the minutes, Meeting Convention, Attendance, and Agenda
properly filed, approved by all present members, Throughout 2025, the Audit Committee held
and submitted to the BOC. 14 (fourteen) meetings with the attendance rate and
• Dissenting opinions that occur in the meeting and meeting agenda as follows:
the reasons must be clearly stated in the minutes
of the meeting.
ATTENDANCE OF AUDIT COMMITTEE MEMBERS AT MEETING IN 2025
Name Number of Attendance Meetings
Halim Alamsyah 14/14
Hedy Maria Helena Lapian 12/14
Mawar Napitupulu 14/14
Zainal Abidin 14/14
AUDIT COMMITTEE MEETING AGENDA IN 2025
Governance
Corporate
No Meeting Date Meeting Agenda
1 January 24, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Internal Audit Update
3. Internal Fraud Case Update
4. Whistleblower Disclosure Report
5. Q4 2024 Consolidated Financial Statement
2 February 10,2025 2024 Audit Closing
3 February 21, 2025 Appointment of 2025 External Auditor
4 March 18, 2025 1. Review and Approval of Previous Minutes of Meeting
2. 2025 Audit Committee Charter
3. Internal Audit Update
4. Machine Learning for SME
5. Internal Fraud Case Update
6. Whistleblower Disclosure Report
5 April 24, 2025 1. Significant fluctuation on PL and key ratios
2. Summary changes on the consolidated financial statements
6 May 22, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Internal Audit Update
7 June 24, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Internal Audit Update
8 July 25, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Internal Audit Update
3. Update Bapepam Report Q2 2025
4. ICoFR Update
9 August 26, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Internal Audit Update
10 September 15, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Audit Planning FY25
3. Tax Service Engagement – Review Service of Corporate Income Tax
11 September 23, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Internal Audit Update
12 October 24, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Bapepam Q3 2025
13 November 13, 2025 1. Review and Approval of Previous Minutes of Meeting
2. 2026 SKAI Danamon Audit Plan
3. Internal Audit Update
14 December 13, 2025 Update Interim and Hardclose Audit 2025
Audit Committee Statement on the Effectiveness of Internal Control System
The internal control system run by the Danamon is considered to run effectively and adequately, as reflected in
the effectiveness of internal control functions, including internal audit, risk management, compliance, financial
and operational control. The Audit Committee periodically submits its work implementation reports to the BOC.
328 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 331
RISK OVERSIGHT COMMITTEE 3. Evaluate risk management policy i.e. Risk
Management Policy Bank and Consolidated
The Risk Oversight Committee has been set up with (RMP) at least once a year;
a function to oversee risk management at Bank. This 4. Evaluate the conformity between the risk
is done to comply with Financial Services Authority management policy and the implementation of
Regulation (POJK) No. 17 Year 2023 and SEOJK Bank’s policies;
No. 14/SEOJK.03/2025 regarding Good Corporate 5. Evaluate the integrated risk management policy
Governance Implementation for Commercial i.e. Integrated Risk Management Policy of MUFG
Banks, POJK No. 2 Year 2024 regarding Good Financial Conglomeration (IRMP) at least once a
Corporate Governance Implementation for Sharia year;
Commercial Banks and Sharia Business Unit, POJK 6. Evaluate the implementation of integrated risk
No. 18/POJK.03/2016 regarding Risk Management management policies performed by FHC’s BOD;
Implementation for Commercial Bank and also SEOJK 7. Provide independent professional opinions to the
No. 25/SEOJK.03/2023 regarding Risk Management Board of Commissioners and recommend to the
Implementation for Sharia Commercial Banks and Board of Directors, the actions to be considered
Sharia Business Unit. The Risk Oversight Committee for further strengthening of the risk management
Governance
Corporate
is a risk committee at the Board of Commissioners framework;
level. 8. Conduct oversight and evaluation towards
implementation of Risk Management Committee
The Risk Oversight Committee is responsible for and Risk Management Working Unit;
overseeing and providing recommendations or 9. Recommend to the Board of Commissioners,
independent professional opinions to the Board of the Risk Appetite Statement (RAS) Framework,
Commissioners on risk management frameworks including thresholds for Group RAS;
and policies that are consistent with the Bank’s risk 10. Review all risk management policies and
appetite. documents provided to Regulator as well
as internal parties that require Board of
Risk Oversight Committee Membership Commissioners approval, as recommended by
The Risk Oversight Committee consists of at least the Board of Directors;
an Independent Commissioner, an Independent 11. Monitor the effectiveness of Risk Management
Party who has expertise in risk management, and Policies, Procedures, Tools, Limits and
an Independent Party who has expertise in finance Frameworks as estabilished by the Board of
and expertise in sharia banking. The Committee Directors, Risk Management Directorate, Support
is chaired by an Independent Commissioner. All Functions and Business Units, and recommended
members of the Risk Oversight Committee shall have by Risk Management Committee;
good integrity, character, and high moral standards 12. Ensure the accountability of the Board of
and are required to have ability, knowledge, and Directors and Executive Officers in performing
experience in accordance with their field of work, their roles and responsibilities in relation to the
and can communicate well. effective implementation of Bank’s and Integrated
risk management;
Risk Oversight Committee Charter 13. Initiate an inquiry and investigation into matters
The Risk Oversight Committee has a Risk Oversight that require independent review and assessment
Committee Charter that governs matters related to related to Frauds, Conflict of Interest, Lapses in
the purpose, membership, term of office, roles and Governance, Negligence and Violations of the
responsibilities, authorities, meeting rules, reporting, Code of Conduct, and anti-bribery/corruption and
performance evaluation and Risk Oversight Anti-Money Laundering (AML);
Committee charter review period. The Risk Oversight 14. Conduct supervision regarding to risk
Committee Charter is reviewed periodically. management implementation related to country
risk and transfer risk carried out by the Bank
Duties and Responsibilities of the Risk Oversight including the implementation of evaluation and
Committee testing (stress testing);
Risk Oversight Committee has the following duties 15. Recommend to the Board of Commissioners
and responsibilities: regarding supervision of the implementation of
1. Establish and periodically review/update the Risk problem asset management, allowances and
Oversight Committee Charter; reserves carried out by the Bank in managing
2. Conduct oversight in the implementation of risk credit risk;
management practices; 16. Conduct oversight towards implementation of
Sustainable Finance, including managing climate-
related risk.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 329
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Authority of the Risk Oversight Committee
The Risk Oversight Committee has the following authorities:
1. Access the documents, data and information of the Bank that necessary;
2. Communicate directly with employees, Directors and other parties;
3. Engage independent parties to assist the implementation of its duties;
4. Perform other authorities granted by the Board of Commissioners.
STRUCTURE, MEMBERSHIP, EXPERTISE AND LEGAL BASIS FOR APPOINTMENT OF THE RISK
OVERSIGHT COMMITTEE
Structure and Membership of the Risk Oversight Committee
The Risk Oversight Committee consists of 6 (six) members, consisting of 2 (two) Independent Commissioners,
2 (two) Commissioners, 2 (two) Independent Parties. The structure and membership of the Risk Oversight
Committee has met applicable regulations.
Structure and Membership of the Risk Oversight Committee in 2025
Governance
Corporate
No Name Position at Bank Position on Committee
1 Hedy Maria Helena Lapian Independent Commissioner Chair person
2 Peter Benyamin Stok Independent Commissioner Member
3 Nobuya Kawasaki Commissioner Member
4 Dan Harsono Commissioner Member
5 Mawar Napitupulu Independent Party Member
6 Zainal Abidin Independent Party Member
Expertise of Independent Parties (more than 50%) of committee members either
Independent Parties as parties that assist the face to face, virtually and/or in the form of material
committee meet the requirements as stipulated in distribution to all Committee members. Committee
POJK No. 17 of 2023 to support the implementation meetings shall be chaired by the Chairperson of
of the committee’s functions and responsibilities. the Committee. If the Chairperson unable to attend,
he or she may appoint another member of the Risk
Legal Basis of Appointment Oversight Committee to chair the meeting.
Members of the Risk Oversight Committee were
appointed through Circular Decree of the Board of Meeting decisions are taken based on the principle
Commissioners No.KSR-KOM.CORSEC.12.2025.007 of deliberation and consensus. In cases where
dated December 10, 2025 and stipulated in the consensus is not reached, then the decisions shall
Circular of the Board of Directors No.KSR-DIR. be made through majority vote. Decisions made by
CORSEC.12.2025.004 dated December, 10 2025. a majority vote is based on the principle of 1 (one)
person 1 (one) vote. Risk Oversight Committee
Independency of Risk Oversight Committee meeting result shall be noted in the minutes of the
Members meeting, well documented, approve by all members
To maintain independency and objectivity, the of the Risk Oversight Committee in attendance, and
majority of Committee members are Independent submitted to the BOC. The minutes of meeting is
Commissioners and Independent Parties. Members administered by Corporate Secretary Division.
of the Board of Directors are not allowed to become
members of the Risk Oversight Committee. Dissenting opinions that occurs in the Risk Oversight
Committee meetings shall be clearly stated in the
Term of Office minutes of the meeting with reason of dissenting
The term of office of committee members may opinion.
not be longer than the term of office of the Board
of Commissioners as regulated in the Articles of Evaluation of the committee’s performance at the end
Association. of each financial year.
Risk Oversight Committee Meeting Policy Further information regarding the Risk Oversight
Risk Oversight Committee shall hold at least 1 (one) Committee Meeting Policy is available in the Risk
meetings in 1 (one) month if attended by the majority Oversight Committee Charter on the Bank’s website
www.danamon.co.id.
330 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 333
Implementation, Attendance Level and Meeting Agenda
During 2025, the Risk Oversight Committee was held 12 (twelve) meetings with the attendance of committee
members and the meeting agenda as follows:
MEETING ATTENDANCE OF RISK OVERSIGHT COMMITTEE MEMBERS IN 2025
Name Number of Attendance Meetings
Hedy Maria Helena Lapian 12/12
Peter Benyamin Stok 11/12
Nobuya Kawasaki 9/12
Dan Harsono 12/12
Mawar Napitupulu 11/12
Zainal Abidin 12/12
RISK OVERSIGHT COMMITTEE MEETING AGENDA IN 2025
Governance
Corporate
No Meeting Date Meeting Agenda
1 January 24, 2025 • Review and Approval of the Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Treasury & Capital Market Update
• MLR Quarter Update – 4Q’24
• ROC Charter Update
• ICAAP Stress Test & Report – 2H’24
• Credit & Enterprise Risk Update (as of Dec’24)
• Cyber Risk Policy Review
• IRM & ORM Quarter Update – 4Q’24
• Compliance, FCC, and Legal & Litigation Update
2 February 27, 2025 • Review and Approval of the Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Credit Risk Policy (CRP) 2024 Second Amendment
• Credit Card & Mortgage Product Program Renewal 2025
• Credit & Enterprise Risk Update (as of Jan’25)
• ICoFR Sub-Committee Establishment & Charter
• Risk Management Committee (RMC) Charter
• Updated ICAAP Stress Test & Report 2H’24
• Regulatory Risk Profile 4Q’24 (Individual, Sharia, and Consolidated) and Integrated Risk Profile
2H’24
• Treasury Limit 2025
• Model Risk Management Semester II 2024
• Compliance, FCC, and Legal & Litigation Update
3 March 19, 2025 • Review and Approval of Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Risk Oversight Committee Evaluation FY 2024
• Integrated Risk Management Policy 2025
• Integrated Risk Management Committee Charter
• Credit & Enterprise Risk Update (as of Feb’25)
• Peer Analysis 4Q’24
• Compliance, FCC, and Legal & Litigation Update
4 April 28, 2025 • Review and Approval of Previous Minutes of Meeting
• Indonesia’s 2025 Outlook Amid Trump Tariff Impact and Treasury and Capital Market Update
• Thematic Stress Test
• MLR Quarterly Update – 1Q’25
• Risk Management Committee and Credit/Financing Policy Committee Charters
• Credit & Enterprise Risk Update (as of Mar’25)
• SME Update
• Adira Finance Update
• ORM & IRM Quarterly Update – Q1 2025
• Compliance, FCC, and Legal & Litigation Update
5 May 23, 2025 • Review and Approval of Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• RAS Comprehensive Review
• Credit Risk Policy (CRP) 2024 3rd Amendment
• Credit & Enterprise Risk Update (as of Apr’25)
• Regulatory Risk Profile 1Q’25 (Individual, Sharia, and Consolidated)
• Peer Analysis (as of 1Q’25)
• Compliance, FCC, and Legal & Litigation Update
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 331
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No Meeting Date Meeting Agenda
6 June 26, 2025 • Review and Approval of Previous Minutes of Meeting
• Risk Management Policy Update
• Credit & Enterprise Risk Update (as of May’25), including CASA Monitoring
• EBFI Update
• UPL Product Program Renewal 2025
• Kerangka Acuan Operasional (KAO) Layanan Danamon Privilege
• Update on MUFG Information Sharing Framework (ISF)
• Compliance, FCC, and Legal & Litigation Update
7 July 24, 2025 • Review and Approval of the Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Treasury and Capital Market (Including CASA Monitoring) Update
• MLR Quarter Update (as of 2Q’25)
• ICAAP Stress Test and Report 1H’25
• Credit & Enterprise Risk Update (as of June’25)
• ORM & IRM Quarter Update (as of 2Q’25)
• Compliance, FCC, and Legal & Litigation Update
8 August 28, 2025 • Review and Approval of the Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Model Risk Management Update (as of 1H’25)
• Integrated Risk Management Update (Integrated Risk Management Policy, Integrated Capital
Management Policy, Integrated Risk Management Committee Charter)
Governance
Corporate
• Credit & Enterprise Risk Update (as of July’25), including CASA Monitoring
• Regulatory Risk Profile 2Q’25 (Individual, Sharia, and Consolidated) and Integrated Risk Profile
1H’25
• Peer Analysis (as of 2Q’25)
• Compliance, FCC, and Legal & Litigation Update
9 September 23, 2025 • Review and Approval of the Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Adira Update
• SME Update
• Risk Management Update (as of Aug’25), including CASA Monitoring
• Anti-Fraud Strategy Update
• Compliance, FCC, and Legal & Litigation Update
10 October 22, 2025 • Review and Approval of the Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Treasury and Capital Market Proposals
• Market and Liquidity Risk Proposals
• Sustainable Finance Action Plan 2026-2030
• Risk Management Proposals
• ORM and IRM Quarter Update
• Compliance, FCC, and Legal & Litigation Update
11 November 21, 2025 • Review and Approval of the Previous Minutes of Meeting
• Matters Arising from Previous ROC Meeting
• Risk Management Proposals
• Credit Parameter Year End 2025
• Regulatory Risk Profile 3Q’25 (Individual, Sharia, and Consolidated)
• Peer Analysis (as of 3Q’25)
• Compliance, FCC, and Legal & Litigation Update
12 December 23, 2025 • Credit & Enterprise Risk Update (as of Nov’25), including CASA Monitoring
• Climate Risk Management & Scenario Analysis (CRMS) 2025 Result
• Compliance, FCC, and Legal & Litigation Update
Implementation of Risk Oversight Committee Work in 2025
The Risk Oversight Committee has reported its activities and recommendations to the Board of Commissioners
periodically.
332 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 335
NOMINATION AND REMUNERATION 3. Identify, review and recommendations regarding
COMMITTEE prospective members of the BOC, prospective
members of the SSB, and/or member of BOD
The Nomination and Remuneration Committee is included President Director to BOC to be
a committee that assists the implementation of the submmitted to the GMS to obtain approval.
functions and duties of the Board of Commissioners 4. Recommend to the BOC independent parties who
(BOC) to review and assess the nomination and will become members of the BOC committees.
remuneration of members of the Board of Directors 5. At Danamon’s expense, the Nomination and
(BOD), members of the BOC, Sharia Supervisory Remuneration Committee may from time to time
Board (SSB) as well as members of the Committees exercise its authority to use the services of one
at the BOC level. The Nomination and Remuneration or more search firms to identify candidates
Committee is responsible to the BOC. (including to approve the fees and terms of the
search firm).
The membership of the Nomination and 6. May evaluate all members of the BOC, members
Remuneration Committee of the BOD and/or member SSB who will be
The membership of the Nomination and Remuneration reappointed at the GMS.
Governance
Corporate
Committee consists of an Independent Commissioner 7. Review and evaluate candidates in the same
serving as Chair, a Non‑Independent Commissioner as manner, with no regard to gender, race, religion
member, and an Executive Officer overseeing Human source of the initial recommendation.
Capital or an employee representative. If the Bank 8. Review and evaluate candidate based on
does not have a Non‑Independent Commissioner, the minimum requirements and other criteria
Committee shall consist of at least two Independent consideration on all facts and circumstances as
Commissioners and one Human Capital Executive deemed appropriate including, amongst others,
Officer or employee representative. For Banks the banking knowledge and skills of the proposed
operating sharia business activities or with a Sharia candidate, their depth and breadth of professional
Business Unit (UUS), one member of the UUS may experience or other background characteristics,
serve as a Committee member. All members must their independence, and the need for members of
possess integrity, competence, and comply with the the BOC/ the BOD.
Danamon Code of Conduct. 9. Proposes all candidates (whether identified
internally or by a shareholder) upon favorable
Nomination and Remuneration Committee Charter evaluation to the BOC through circular for
The Nomination and Remuneration Committee nomination as members of the BOC/ the BOD/
has a Charter that governs matters on objectives, and/ the SSB in the subsequent GMS.
accountability, structure and membership, term of 10. The official appointments of the Candidates as
office, duties and responsibilities, authority, meeting the as member of the BOC/ the BOD/ and/or the
and proceeding, and reporting. The Nomination SSB member will be done after the GMS approval
and Remuneration Committee’s Charter is reviewed and is subject to the fullfillment of all conditions
periodically. as required by regulations including but not
limited to the fit and proper test OJK and of other
Duties and Responsibilities in Nomination authority.
The duties and responsibilities of the Nomination and 11. Evaluates and recommends candidates for
Remuneration Committee include: members of the BOC, the BOD and the SSB of
1. Recommends to the BoC regarding: subsidiaries, where such subsidiaries have
• The composition of members of the BOC and/ significant impact to the Bank, to the BOC of the
or, of the BOD, include DPS. Bank.
• The Policy and criteria required for the 12. May provide “no objection” for the candidates for
nomination process. the BOD in subsidiaries.
• The policy for performance evaluation of 13. Develop mechanisms and assess the performance
members of the BOC and/or the BOD, include of members of the BOD and members of the BOC
member od SSB. include members of DPS.
2. Review, evaluate and give recommendations
regarding systems and procedures of election
and/or replacement of members of BOC,
members the BOD, and/or member of SSB to BOC
to be submitted to the GMS.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 333
Page 336
14. Recommends to the BOC regarding the • Performance targets or performances of each
competency development program for members member of the Board of Directors and/or of
of the BOC, members of the BOD include SSB. the Board of Commissioners;
15. The Nomination and Remuneration Committee • Balance between fixed and variable
members must improve competencies through allowances;
continual education and training. • Danamon’s financial performance and
16. Prepare, review and update the Nomination and compliance with prevailing regulations;
Remuneration Committee Charter periodically and • Considerations of the long term goals and
make it is available on Danamon’s official website. strategies of Danamon.
17. Review and evaluate candidates in the same 4. Evaluating the structure, policy, and amount of
manner, without regard to gender, race, religion, or remuneration as referred to above at least 1 (one)
the source of the initial recommendation. time in 1 (one) year.
18. The Nomination and Remuneration Committee 5. Maintain the confidentiality of all documents,
maintaining donfidentiality of all documents, data data, and information of the Bank.
and Bank’s information. 6. Improving competencies through continual
education and training.
Governance
Corporate
Duties and Responsibilities in Remuneration
The duties and responsibilities of the Nomination and Authority of the Nomination and Remuneration
Remuneration Committee include: Committee
1. Formulating policies, evaluating and giving The Nomination and Remuneration Committee has
recommendations to the BOC on: the authority to execute Nomination and Remuneration
• Structure and amount of remuneration for policy, including:
the BOC, the BOD, the SSB, and Senior a. Authorized to access Danamon’s documents,
Management. data, and information as as deemed necessary.
• The Remuneration, including salaries, b. Authorized to communicate directly with
allowances, bonuses and incentives to employees, the BOD, and other parties.
be awarded against the achievements of c. Authorized to engage independent parties to
prescribed goals and targets for the President assist in the performance of its duties if necessary.
Director and other members of the BOD, d. Authorized to perform other authorities granted
members of the BOC and the SSB. by the BOC.
• The Remuneration, including salaries and
allowances of the Independent Parties. Structure, Membership, Expertise and Legal
2. Assisting the BOC to assess performance with Basis for Appointment of the Nomination and
the suitability of remuneration received by each Remuneration Committee
member of the BOC, members of the BOD, and
members of the SSB. Structure and Membership of the Nomination and
3. Consider the following matters in preparing Remuneration Committee
structure, policy, and amount of Remuneration: The Nomination and Remuneration Committee has
• Remuneration that exist in the industry in 5 (five) members, consisting of 2 (two) Independent
line with business activities and scale of Commissioners, 2 (two) Commissioners, and
Danamon’s business; 1 (one) representative of the Bank employees.
• Fairness of remuneration compared its peer group; The structure and membership of the Nomination
• The duties, responsibilities and authorities and Remuneration Committee have complied with
of members of the BOD, members of the applicable regulations.
BOC, and members of the SSB in line with
achievements of Danamon’s objectives and
performances;
334 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 337
MEMBERSHIP STRUCTURE OF THE NOMINATION AND REMUNERATION COMMITTEE IN 2025
No Name Position at Bank Position in Committee
1 Halim Alamsyah Vice President Commissioner (Independen) Chairman
2 Yasushi Itagaki President Commissioner Member
3 Hedy Maria Helena Lapian Independent Commissioner Member
4 Nobuya Kawasaki Commissioner Member
5 Roy Fahrizal Permana Bank Employee Representative Member and concurrent Secretary
Expertise of Nomination and Remuneration Policy and Convention of Nomination and
Committee Members Remuneration Committee Meetings
All Committee members have met the applicable 1. The Nomination and Remuneration Committee
provisions pertaining to the expertise requirements shall hold at least 1 (one) meeting in every
of Committee members with due attention to their 3 (three) months.
respective integrity, attitudes and morals as outlined 2. Committee meetings meetings be held if attended
in the personal statement. by majority of the number of committee members:
a. 1 (one) independent commissioner; and
Governance
Corporate
Legal Basis of Appointment b. 1 (one) executive officer in charge of human
The members of the Nomination and Remuneration resources function or 1 (one) representative of
Committee were appointed pursuant to the Circular the Bank employees.
Resolution of the Board of Commissioners No. KSR 3. The Nomination and Remuneration Committee
KOM.CORSEC.12.2025.007 dated December 10, 2025 meeting decisions are taken based on consensus.
and confirmed through the Circular Resolution of the 4. In the event that a consensus is not reached,
Board of Directors No. KSR DIR.CORSEC.12.2025.004 then the decisions shall be made through voting.
dated December 10, 2025. Decisions taken based on a majority vote are based
on the principle of 1 (one) person 1 (one) vote.
Independency of the Nomination and Remuneration 5. Dissenting opinions during the Nomination and
Committee Remuneration Committee meetings shall be
To uphold independency and objectivity, the stated clearly in the minutes of the meeting along
Nomination and Remuneration Committee is chaired with underlying reasons.
by an Independent Commissioner, Halim Alamsyah. 6. Every Nomination and Remuneration Committee
Member Directors are not allowed to be members meeting shall be recorded in the minutes, properly
of the Nomination and Remuneration Committee. documented, and signed by all of the present
Members of the Nomination and Remuneration members of the Nomination and Remuneration
Committee shall comply with the Danamon Code of Committee.
Conduct. 7. The minutes of Nomination and Remuneration
Committee meetings shall be submitted in writing
Term of Office to the BOC.
A member of the Nomination ang Remuneration
Committee is appointed for a certain term of office
and can be re-elected.
Meeting Convention, Attendance, and Agenda
During 2025, the Nomination and Remuneration Committee held 11 (eleven) meetings with attendance of each
Committee given below:
ATTENDANCE OF NOMINATION AND REMUNERATION COMMITTEE MEMBERS AT 2025 MEETINGS
Name Meeting Attend
Halim Alamsyah 11/11
Yasushi Itagaki 11/11
Hedy Maria Helena Lapian 11/11
Nobuya Kawasaki 11/11
Roy Fahrizal Permana 11/11
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MEETING AGENDA OF THE NOMINATION AND REMUNERATION COMMITTEE IN 2025
No Tanggal Rapat Agenda Rapat
1 February 14, 2025 Bonus and Salary increase
2 March 11, 2025 Executive Assignment
3 May 22, 2025 Changes of Nomination & Remuneration Committee Charter
4 June 12, 2025 LTI Payment
5 September 26, 2025 Member of ICG Committee
6 22 Oktober, 2025 Member of BOM
7 November 17, 2025 Member of BOD
8 November 17, 2025 Remuneration Member BOD
9 December 5, 2025 Update Member of ICG Committee
10 December 15, 2025 LTI Program
11 December 15, 2025 Member of BOC
Report on the Implementation of the Nomination and Remuneration Committee’s Activities in Nomination
Nomination work activities can be summarized as follows:
Governance
Corporate
• Provide recommendations for the member composition of the BCC Committees and SSB.
• Reviewed nominations for the appointment of President Commissioner and Commissioner include SSB.
• Provide recommendations on member composition of Danamon’s BOC in each Committee.
• Provide recommendations for the appointment of members of Danamon’s BOD.
Report on the Implementation of the Nomination and Remuneration Committee’s Activities in Remuneration
Remuneration work activities can be summarized as follows:
• Recommended tantiem and salary increase for Directors, Commissioners and the SSB.
• Reviewed and recommended remuneration for Directors and new Directors.
• Reviewed and recommended remuneration for Commissioners and new Commissioners including the SSB.
• Reviewed the proposed Long-Term Incentive program.
The activities and recommendations of the Nomination and Remuneration Committee are reported regularly
to the BOC.
336 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 339
CORPORATE GOVERNANCE COMMITTEE to be taken for improvement.
5. Review the corporate governance report issued
The Corporate Governance Committee is a by the Bank to ensure the transparency and
committee that assists implementation of the duties accuracy of those reports and recommend
and responsibilities of the Board of Commissioners improvements to the BOD.
(BOC) in terms of oversight of the effectiveness of 6. Provide recommendations for the purpose of
structure, framework, policies, and resources of granting the BOC’s endorsement of the Bank’s
governance to support the implementation of good corporate governance report and Bank’s
corporate governance principles. The Corporate corporate governance policies.
Governance Committee is responsible to the BOC 7. Be willing to continuously improve competence
in terms of oversight of the implementation of through education and training.
corporate governance and the Bank’s compliance 8. Prepare, review, and update the Charter of
with regulations. Corporate Governance Committee periodically.
The referred Committee Charter shall be available
Corporate Governance Committee Charter on Bank’s website.
The Corporate Governance Committee has a Charter 9. Maintain confidentiality of all documents, data,
Governance
Corporate
that governs matters related to the objectives, and information of Bank.
accountability, structure and membership, term of
office, duties and responsibilities, authority, meetings Authority of Corporate Governance Committee
and implementation, reporting, performance The authorities of the Corporate Governance
evaluation mechanism and review period. Corporate Committee include:
Governance Committee Charter is reviewed 1. Authorized to access Bank’s documents, data,
periodically. and information as deemed necessary.
2. Direct communication with employees, Board
Duties and Responsibilities of Corporate of Directors (BOD) and other parties related to
Governance Committee implementation of duties and responsibilities.
In discharging its duties and responsibilities, 3. Engaging independent parties to assist it with its
Corporate Governance Committee shall act duties when necessary.
independently. The duties and responsibilities of 4. Perform any other authority granted by the BOC.
Corporate Governance Committee include:
1. Adhere to the Bank’s Code of Conduct. Structure, Membership, Expertise and Legal Basis
2. Evaluates the structure and frameworks of for Appointment
corporate governance as well as the suitability of
Bank’s governance policies. Corporate Governance Committee Structure and
3. Periodically review and assess the principles Membership
and implementation of Bank’s good corporate Corporate Governance Committee has 2 (two)
governance and submit improvement members, consisting of 1 (one) Independent
recommendations to the BOC. Commissioner and 1 (one) Commissioner.
4. Report to the BOC of the various inappropriateness
of Bank’s governance implementation and actions
COMPOSITION OF CORPORATE GOVERNANCE COMMITTEE IN 2025
No Name Position at Bank Position at Committee
1 Peter Benyamin Stok Independent Commissioner Chairman
2 Nobuya Kawasaki Commissioner Member
Expertise of Governance Committee Members
All committee members fulfill the applicable provisions related to the expertise requirements of the Corporate
Governance Committee members with due regard to their respective integrity, attitude and high morals as
stated in the personal statement letter.
Legal Basis of Appointment
Corporate Governance Committee member appointed through the Board of Commissioners Circular
Resolutions No. KSR-KOM.CORSEC.12.2025.007 dated December 10, 2025 and stipulated in the Board of
Directors Resolutions No.KSR-DIR.CORSEC.12.2025.004 dated December, 10 2025.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 337
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Independence of Corporate Governance Committee
To uphold independency and objectivity, the Corporate Governance Committee is chaired by an Independent
Commissioner, Peter Benyamin Stok. Members of the BOD are not allowed to be members of the Corporate
Governance Committee. Corporate Governance Committee members shall adhere to the Bank Code of Ethics.
Term of Office
The term of office of members of the Corporate Governance Committee must not exceed the term of office of
the BOC as stipulated in the Bank’s Articles of Association and may be reappointed only for one (1) subsequent
term after obtaining approval from the GMS, considering that the maximum term of office for an Independent
Commissioner is two (2) consecutive terms. Further provisions regarding the term of office of independent
commissioners are available in the Commissioners Chapter of this Annual Report.
Corporate Governance Committee Meeting Policy and Convention
Corporate Governance Committee Meeting Policy
1. Meetings are held in accordance with the needs of the Bank at least 1 (one) time in 1 (one) semester.
Governance
Corporate
2. The minimum attendance of Corporate Governance Committee meetings (meeting quorum) is 100% (one
hundred percent) of the members of the Corporate Governance Committee.
3. The Corporate Governance Committee meeting decisions are first conducted based on deliberation for
consensus principle.
4. In the event that consensus cannot be reached, decisions shall be made based on a majority vote, following
the principle of 1 (one) person, 1 (one) vote.
5. Dissenting opinions that occur in the Corporate Governance Committee meeting and the reasons for the
differences must be clearly stated in the minutes of the meeting.
6. The results of the Corporate Governance Committee meetings must be stated in the minutes of meeting,
well documented, approved by all members of the Corporate Governance Committee in attendance, and
submitted to the BOC. The minutes of meeting administered by Corporate Secretary Division.
Meeting Implementation, Attendance, and Agenda
During 2025, the Corporate Governance Committee held 2 (two) meetings with attendance and agenda as
given below:
ATTENDANCE OF CORPORATE GOVERNANCE COMMITTEE MEMBERS AT MEETING IN 2025
Name Attendance at Meeting
Peter Benyamin Stok 2/2
Nobuya Kawasaki 2/2
MEETING AGENDA OF CORPORATE GOVERNANCE COMMITTEE 2025
No Date of Meeting Meeting Agenda
1 January 20, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Corporate Governance Update
2 July 22, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Corporate Governance Update
Implementation of The Work Activities of Corporate Governance Committee in 2025
The Corporate Governance Committee reported its activities and recommendations to the BOC periodically.
338 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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INTEGRATED CORPORATE GOVERNANCE Duties and Responsibilities of the Integrated
COMMITTEE Corporate Governance Committee
The duties and responsibilities of the ICG Committee
Danamon has obtained approval from the OJK to act among others:
as the Operational FHC of the MUFG FC, effective as 1. To evaluate the implementation of integrated
of June 24, 2025. The MUFG FC structure, as follow: corporate governance at a minimum through
1. Danamon as the Operational FHC. assessing the adequacy of internal controls and
2. PT Adira Dinamika Multifinance Tbk (ADMF), the implementation of integrated compliance
PT Home Credit Indonesia (HCI), and PT Mandala function.
Multifinance Tbk (MFIN) as a Member. In conducting its evaluation, the ICG Committee
obtains information in the form of evaluation
Furthermore, effective October 01, 2025, merger results on the implementation of the internal
between ADMF, as the surviving entity, and MFIN, audit and compliance functions of each FSIs
as the merging entity, became legally effective. from members of the BOC of each FSIs who are
In connection with this merger, Danamon, in its members of the ICG Committee.
capacity as the Operational FHC, submitted a report 2. Provides recommendations to the BOC of the FHC
Governance
Corporate
on the change in membership of the MUFG FC to the for improvements to the Integrated Corporate
OJK. Governance Guidelines (Policy).
3. To improve the competency of members through
Based on the OJK letter dated October 21, 2025, continuous education and trainings.
the OJK notified that the report on the change in 4. To have, review, and update the ICG committee
membership of the MUFG FC has been duly recorded Charter periodically.
in the OJK’s supervisory administration. 5. Maintain the confidentiality of all documents,
data, and information of the FHC and FSIs in the
Accordingly, the composition of the MUFG FC is as FC.
follows: 6. Members of ICG committee from Independent
1. Danamon as the Operational FHC; Parties must implement their duties,
2. ADMF and HCI as Members. responsibilities and authority with integrity,
independence, competence, and maintaining
As the Operational FHC of the MUFG FC, Danamon their reputation.
has established an Integrated Corporate Governance
Committee to support the duties of the Board of Authority of Integrated Corporate Governance
Commissioners (BOC) acting as the FHC BOC, Committee
particularly in carrying out the supervisory function In relation to the implementation of its duties and
over the implementation of Integrated Corporate responsibilities, the ICG Committee is authorized to:
Governance within the MUFG FC, in accordance 1. Access required document, data, and information
with applicable laws and regulations. The Integrated from the FHC and from FSIs in the FC providing
Corporate Governance Committee is accountable to that it is done with adherence to the internal
the BOC. policies of each entity,
2. Communicate directly with employees, Board of
Integrated Corporate Governance Committee Directors (BOD), and other parties in the FHC and
Charter FSIs in the FC,
Integrated Corporate Governance (ICG) Committee 3. Have other authorities granted by the BOC of the
of the Bank has Charter that regulates matters FHC,
related to the purpose, structure and membership, in accordance with the provisions of laws and
term of office, duties and responsibilities, authority, regulations. If necessary, the ICG Committee is
organization of meetings, term of office, performance authorized to engage independent parties to support
evaluation, reporting, prohibition, and review period. its duties.
ICG Committee Charter is reviewed periodically.
Structure, Membership, Expertise and Legal Basis
for Appointment of the Integrated Corporate
Governance Committee
Structure and Membership of the Integrated
Corporate Governance Committee
In line with the implementation of POJK No. 30 Year
2024 on FC and FHC effective as of December 10,
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 339
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2025, the ICG Committee consists of 6 (six) members, as follows:
a. 1 (one) Independent Commissioner from FHC;
b. 1 (one) Commissioner from FHC;
c. 1 (one) Independent Party from FHC;
d. 1 (one) member of the SSB from FHC;
e. 1 (one) Independent Commissioner representing and appointed by ADMF; and
f. 1 (one) Independent Commissioner representing and appointed by HCI.
COMPOSITION OF THE INTEGRATED CORPORATE GOVERNANCE COMMITTEE IN 2025
No Name Position at each FSI Position in Committee
1 Peter Benyamin Stok Independent Commissioner Chairman
2 Nobuya Kawasaki Commissioner Member
3 M. Din Syamsudin Chairman of DPS Member
4 Zainal Abidin Independent Party Member
5 Krisna Wijaya Representative of ADMF Member
Governance
Corporate
6 Christopher Mark Davies* Representative of MUFG Jakarta Member
7 Andre S Painchaud * Representative of MUFG Jakarta Member
8 Yasuhiko Togo * Representative of MUFG Jakarta Member
9 I Nyoman Tjager Representative of HCI Member
10 Rizal Bambang Prasetijo ** Representative of MFIN Member
* The representative of MUFG Jakarta effectively ceased to be a member of the ICG Committee as of June 24, 2025.
** The addition of a representative from MFIN became a member of the ICG Committee starting October 29, 2025, and as of December 10, 2025, effectively
ceased to be a member of the ICG Committee.
Expertise of Integrated Corporate Governance Integrated Corporate Governance Committee
Committee Members Meeting Policy and Convention
Each member has the expertise needed to carry
out the committee’s functions by ensuring that each Integrated Corporate Governance Committee
member has integrity, good attitudes and high morals Meeting Policy
as stated in their personal statement letter. 1. The ICG Committee meetings are held as needed
at least once per semester.
Legal Basis of Appointment 2. The ICG Committee meetings may be conducted
ICG Committee member appointed through the via video conference.
Board of Commissioners Circular Resolutions No. 3. The ICG Committee meetings can only be held
KSR-KOM.CORSEC.12.2025.007 dated December with the minimum attendance of 51% (fifty one
10, 2025 and stipulated in the Board of Directors percent) of all members of the ICG Committee.
Resolutions No.KSR-DIR.CORSEC.12.2025.004 dated 4. ICG Committee meeting is chaired by the
December 10, 2025. Chairman of the Committee and if the Chairman
is unable to attend, meeting participants may
Independency of the Integrated Corporate appoint one of participants to chair the meeting.
Governance Committee 5. In performing the oversight function over FHC
To uphold independency and objectivity, the and all FSIs members of the FC, the Director
ICG Committee is chaired by an Independent responsible for overseeing the function or unit
Commissioner, Peter Benyamin Stok. Members of managing the FC must attend the ICG Committee
the BOD are not allowed to be members of the ICG meetings as stipulated in the applicable
Committee. regulations.
6. The ICG Committee meeting decisions are taken
Term of Office based on the consensus principle. In the event
The term of office of the chairman or each member that consensus is not reached, decision making
of ICG Committee should not be longer than the is done by a majority vote. Decision made by a
respective term of office at the FHC or at FSIs in the majority vote is based on the principle of 1 (one)
FC as regulated in the Articles of Association of each person 1 (one) vote.
Entity.
340 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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7. The results of the ICG Committee meetings shall be noted in the minutes of meeting properly documented
in accordance with the provisions of laws and regulations and submitted to the BOD of the FHC. The
minutes of the meeting are administered by the Corporate Secretary Division.
8. Dissenting opinions in the ICG Committee meetings shall be clearly stated in the minutes of meeting
together with the reasons for dissent.
Meeting Convention, Attendance Level, and Agenda
During 2025, the ICG Committee held 2 (two) meetings with attendance and meeting agenda given below:
ATTENDANCE OF MEMBERS OF THE INTEGRATED CORPORATE GOVERNANCE COMMITTEE AT THE
MEETING IN 2025
Name Attendance of Meeting
Peter Benyamin Stok 2/2
Nobuya Kawasaki 2/2
M. Din Syamsudin 2/2
Governance
Corporate
Zainal Abidin 2/2
Krisna Wijaya 2/2
Christopher Mark Davies* 0/1
Andre S Painchaud* 0/1
Yasuhiko Togo *
0/1
I Nyoman Tjager 2/2
Rizal Bambang Prasetijo** -
* The representative of MUFG Jakarta effectively ceased to be a member of the ICG Committee as of June 24, 2025.
** The addition of a representative from MFIN became a member of the ICG Committee starting October 29, 2025, and as of December 10, 2025, effectively
ceased to be a member of the ICG Committee.
INTEGRATED CORPORATE GOVERNANCE COMMITTEE MEETING AGENDA IN 2025
No Date of Meeting Meeting Agenda
1 February 6, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Governance of Financial Conglomeration by Main Entity
3. ADMF Corporate Governance Update
4. MUFG Jakarta Corporate Governance Update
5. HCI Corporate Governance Update
2 August 11, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Governance of Financial Conglomeration by FHC Operational
3. ADMF Corporate Governance Update
4. HCI Corporate Governance Update
5. MFIN Corporate Governance Update
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 341
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THE BOARD OF DIRECTORS
The Board of Directors (BOD) is the organizational b. Maximum 2 (two) persons of Vice President
body of an Issuer or Public Company that has Director.
full authority and responsibility for the overall c. At least 1 (one) person Director.
management and for the best interests of the Issuer
or Public Company in accordance with its corporate In the event that the Company has a Sharia
objective, and represents it both inside and outside Business Unit (UUS), it shall have 1 (one)
the court in accordance with the provisions of the director in charge of the UUS. Such director may
Articles of Association (AoA). concurrently serve in the Bank. The director
in charge of UUS must have competence and
Members of the BOD are appointed at the commitment in the development of UUS.
General Meeting of Shareholders (GMS) with 2. All members of the BOD must reside in Indonesia.
due consideration on recommendations from the 3. The majority (more than 50%) of the BOD shall be
Governance
Corporate
Nomination and Remuneration Committee through Indonesian citizen.
the BOC. The appointment is effective on the date 4. Members of the BOD are individuals who fulfil
determined in the GMS and ends at the closing of the Financial Services Authority (OJK) approval
the 3rd (third) GMS afterward. The term of office of requirements.
members of the BOD appointed later begins on the Members of the BOD who have fulfilled the OJK
date specified in the GMS and ends on the same date approval requirements, at the time of taking
as the term of office of their fellow members. office, must have integrity, competence and good
reputation.
The BOD is accountable for the implementation of
its duties to the GMS. In carrying out its duties, the Have integrity, among others:
BOD is given clear authority and responsibility in a. having good character and morals, including
accordance with the Bank’s AoA which are guided not having been convicted of certain criminal
by the prevailing laws and regulations. Members of offences within 20 (twenty) years before
the BOD whose term of office has ended may be re- nomination.
elected by the GMS for the following 3 (three) years. b. have commitments to comply with the laws
and regulations including the provisions
BOARD OF DIRECTORS CHARTER and regulations of the Bank and support the
The BOD has a Charter that is prepared and reviewed policies of the OJK.
periodically based on applicable regulations, c. have commitments to the development of
corporate governance principles, as well as best sound business activities of the Bank.
practices in the implementation of good corporate d. not undergoing the consequences of the final
governance. The BOD Charter covers and governs result of the reassessment of the main party
matters related to general provisions, Roles and with the predicate of not passing and/or not
Accountability, Structure and Membership, Duty included in the list of not passing.
and Responsibility, Establishment of Committee, e. capable of performing legal acts.
Authority, Transparency, Work Ethics and Prohibitions
for BOD, Meetings and Proceeding, Term of Office, Having competence, among others:
Reporting, Bank Organization and BOD Duties, a. having adequate knowledge and/or
Regulation of Authority and Decision Procedures, competence (expertise) in the field required in
Evaluation of the Performance of the BOD, Patterns the management of the Bank and relevant to
of Working Relationship between the BOD and the his/her position.
BOC, etc. b. perform strategic management in the context
of developing a sound Bank, among others:
STRUCTURE AND MEMBERSHIP i. perform a leadership role in achieving
1. The number of members of the BOD at least three sustainable value creation through the
(3) persons consisting of: following efforts:
a. 1 (one) President Director. • being competitive and visionary as
demonstrated by having commitments
to long-term performance.
342 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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• having an ethical and responsible g. has never caused a company that obtained a
attitude in carrying out the Bank’s licence, approval, or registration from the OJK
business activities, operations, and to not fulfil the obligation to submit annual
services. reports and/or financial reports to the OJK,
• contributing to society and the and/or annual reports and/or financial reports
environment. not approved and/or ratified by the GMS.
• having the ability to adapt, survive, and h. support the implementation of sound Bank
grow. management.
ii. managing and implementing the Bank’s i. maintaining the Bank’s reputation.
strategic plans (long, medium, and short 5. Members of the BOD who is involved in financial
term) with innovation and utilisation crimes shall resign from the BOD.
of the latest information technology in 6. The majority of the members of the BOD are
an effective, competitive, and prudent prohibited from having family ties to the second
manner. degree with a fellow member of the BOD and/or
iii. implement and lead the implementation the members of the BOC and member of SSB.
of risk management and internal control 7. The BOD is led by President Director. The
Governance
Corporate
system effectively and efficiently in line with President Director must be independent of the
the Bank’s vision, mission, and strategy as controlling shareholder. The independence of the
well as complying with prevailing laws and President Director can be fulfilled if the person
standard. concerned does not have a financial relationship,
iv. support and implement the development of management relationship, ownership relationship,
the quality of the Bank’s human resources. and/or family relationship with the controlling
v. ensuring the accountability and integrity of shareholder of the Bank.
financial and reporting systems, including 8. In the event the President Director position is
reports and accuracy in accordance with vacant, and a successor has not been appointed,
applicable regulations and standards. a Vice President Director shall perform the duties
vi. ensuring support for the authority and of the President Director and has the same
supporting tools of the Sharia Supervisory authorities and responsibilities as the President
Board (SSB) to carry out its duties Director as stipulated in the AoA and the prevailing
effectively. laws and regulations.
c. have knowledge of Indonesia, especially 9. Any proposal for the appointment, dismissal, and/
regarding the Indonesian economy, culture, or replacement of members of the BOD to the GMS
and language, for members of the BOD who must take into account the recommendations of
are foreign workers in accordance with the the BOC or the committee that carries out the
OJK Regulation regarding the use of foreign nomination function.
workers and knowledge transfer programmes 10. The majority of the members of the BOD shall
in the banking sector. have mandatory experience of at least 5 (five)
years in the operational field as an Executive
Have a good reputation, among others: Officer of the Bank.
a. does not have bad credit and/or financing. 11. Each member of the BOD shall have the
b. has never been declared bankrupt. knowledge about Indonesia, especially about the
c. has never been a member of the BOD and/or a economy, culture, and Indonesia language.
member of the Board of Commissioners (BOC) 12. Each member of the BOD must meet the
who was found guilty of causing a company to requirements of having passed the fit and proper
be declared bankrupt. test in accordance with the applicable provisions
d. never been convicted of a criminal offence regarding OJK fit and proper test.
that is detrimental to state finances and/or 13. Members of the BOD shall continue to improve
related to the financial sector. their competencies through education and
e. organising the annual GMS. training.
f. his/her accountability as a member of the 14. Members of the BOD may be given salaries and
BOD and/or a member of the BOC is always allowances and/or other incomes, in which the
accepted by the GMS or always provides amount shall be determined by the GMS with
accountability as a member of the BOD and/or due observance of the recommendation from the
a member of the BOC to the GMS.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 343
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Remuneration Committee and such authority may 3. Members of the BOD are prohibited from taking
be delegated to the BOC. and/receiving personal benefits from Bank other
15. The appointment of members of the BOD who than remuneration and facilities determined by
come from employees or officials at the Institution the GMS.
that performs regulatory and/or supervisory 4. Members of the BOD are prohibited from holding
functions of Banks and/or other financial services concurrent positions:
institutions is carried out after the person a. As a member of the BOC, member of the BOD,
concerned has effectively ceased as an employee member of the SSB, or executive officer at
or official and undergone a waiting period of at other Banks, companies, and/or Institutions.
least 6 (six) months. b. In the field of functional duties at Bank
In the event that there is a conflict of interest or financial institutions and/or non-Bank financial
potential conflict of interest of an employee or institutions domiciled at home or abroad.
officer of a prospective member of the BOD in c. In other positions that may cause conflict
connection with his/her nomination to the Bank, of interest in the performance of duties as a
the candidate shall disclose the conflict of interest member of the BOD.
in the fit and proper assessment process. d. In other positions in accordance with the
Governance
Corporate
16. a. The Director in charge of the UUS may come provisions of laws and regulations.
from new candidate for the BOD or a member 5. Not considered as having concurrent positions as
of the BOD who has served in the Bank. referred to above in the event that a member of
b. For directors in charge of UUS who come from the BOD:
new candidates for members of the BOD must a. responsible for the supervision of the Bank’s
fulfill the fit and proper test in accordance with investment in subsidiaries;
OJK Regulations regarding the fit and proper b. performs functional duties as a member of the
test for the main parties of financial services BOC of non-bank subsidiaries controlled by
institutions. the Bank;
c. The appointment of a member of the BOD who c. responsible for the supervision of pension
has served in the Bank as a director in charge funds or performs duties as a member of the
of UUS must be reported by the Bank no later supervisory board of a pension fund owned
than 10 (ten) business days after the effective by the Bank;
appointment date. d. perform duties as an alternate director; and/or
d. For directors in charge of UUS who come from e. hold positions in non-profit organisations or
members of the BOD who have served at the institutions;
Bank must follow the interview process. as long as the concurrent position does not
e. In the event that the director in charge of cause the person concerned to neglect the
UUS considered to lack competence and implementation of duties and responsibilities as a
commitment in the development of UUS, then member of the Bank’s BOD.
it is mandatory to review the appointment. Concurrent positions of members of the BOD as
17. Prospective members of the BOD who have referred to in:
not obtained OJK approval, are prohibited from a. Point 5.a and 5.b must obtain approval from
performing actions, duties and functions as the BOC meeting.
members of the BOD even though they have been b. Point 5.d is reported in the BOC meeting.
approved and appointed by the GMS. The candidate of the BOD members who have
positions as referred to in point 5.a, 5.b and 5.d,
must make a statement to:
WORK ETHICS AND PROHIBITION FOR a. maintain integrity;
BOARD OF DIRECTORS b. avoid any form of conflict of interest;
Each member of the BOD has work ethics and c. avoid actions that may harm the Bank and/or
prohibition, as follows: cause the Bank to violate prudential principles;
1. Each member of the BOD shall carry out their while serving as a member of the BOD.
duties, authority and responsibilities in good faith, 6. Members of the BOD individually or collectively
and with the principle of prudence. are prohibited from owning shares in other
2. Prohibited from taking advantage of Bank for companies amounting to 25% (twenty-five
personal, family benefits, and/or benefits of percent) or more of the paid-up capital of such
other parties that may harm or put the Bank at a other companies.
disadvantage and/or harm its reputation as well
as thot its subsidiaries.
344 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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7. Share ownership of members of the BOD e. Carried out by a party that does not have the
individually or jointly in connection with the authority to make operational decisions of the
receipt of bonus and/or tantiems in the form Bank.
of shares resulting in share ownership of 25% 11. Prohibited from directly or indirectly making
(twenty-five percent) or more shall be exempted untrue statements regarding material facts or for
from number 6. not revealing material facts so that the statements
8. Share ownership of the president director or will not mislead the state of Bank at the time the
director in charge of the compliance function statements are made.
originating from the granting of bonuses, tantiem, 12. Subject to the Bank’s Code of Ethics, applicable
share ownership programmes for management, laws and regulations, and the Bank’s internal
and/or share ownership programmes for policies.
employees in companies that are controlling 13. Members of the BOD must avoid any form of
shareholders and/or ultimate controlling conflict of interest in the implementation of the
shareholders of the Bank, shall not be taken into Bank’s management duties. In the event of a
account in the assessment of independence from conflict of interest, members of the BOD must
controlling shareholders, provided that: disclose the conflict of interest in every decision
Governance
Corporate
a. The share ownership is a policy of the that fulfils the conditions of a conflict of interest
controlling shareholder and/or the last and are prohibited from taking actions that have
controller of the Bank and is not an initiative of the potential to harm the Bank or reduce the
the managing director or the director in charge Bank’s profits.
of the compliance function. Disclosure of conflicts of interest is stated in
b. The share ownership is not for trading. documents discussing conflicts of interest,
c. The person concerned submits a statement including minutes of meetings containing conflict
that he/she will always act independently of interest decisions which at least include the
while being the president director or director name of the party with the conflict of interest, the
in charge of the compliance function despite main issue of the conflict of interest, and the basis
owning shares of the controlling shareholder for consideration of the decision. The decision
and/or the last controller of the Bank. level for meeting minutes documents is adjusted
9. Prohibited from extending a general power of to the disclosure of conflicts of interest.
attorney to other proxies which will result in the 14. Members of the BOD ore prohibited from
transfer of the tasks and functions of the BOD. requesting, receiving, allowing, and/or agreeing to
The granting of general power of attorney is the receive rewards, commissions, additional money,
granting of power to 1 (one) or more employees or services, money, valuables, and/or anything
other person which results in the transfer of the that has economic value or other benefits for
duties, authority and responsibilities of the BOD personal, family, and other parties’ benefits, in the
as a whole, namely without limitation of scope implementation of the Bank’s business activities
and time. and other activities related to the Bank.
10. Prohibited from engaging individual advisors and/ 15. Members of the BOD must refuse and/or are
or professional consultants unless the following prohibited from accepting an order or request
requirements are: from the Bank’s shareholders, affiliated parties,
a. For specialised projects such as information and/or other parties to:
technology projects or public relations a. Perform actions related to the Bank’s business
development, which have criteria such as activities and/or other activities that are not in
specific time targets. accordance with the implementation of good
b. Based on a clear work contract, which at governance at the Bank.
least includes the scope of work, rights and b. Commit criminal offences and/or matters that
responsibilities, and the period of work and indicate criminal offences.
costs. c. Perform actions and matters that may harm,
c. Carried out by Independent Parties who have potentially harm, and/or reduce the Bank’s
certain technical knowledge with adequate profits.
expertise qualification standards to work on 16. Members of the BOD are prohibited from
special projects as referred to in letter a. being members of the Audit Committee, Risk
d. Carried out by a party that does not hold a Management Committee, Remuneration and
structural position at the Bank. Nomination Committee.
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17. Former members of the BOD, Executive Officers, will create or increase risks to the Bank and/or
or parties who have a relationship with the Bank are intended to release share ownership in order
that may affect their ability to act independently to avoid losses due to potential or occurrence of
must undergo a waiting period of at least 6 (six) problems in the Bank.
months before becoming an Independent Party in
the committee members of the Bank. DUTIES AND RESPONSIBILITIES OF THE
The waiting period does not apply to former BOARD OF DIRECTORS
members of the BOD in charge of supervisory Duties and Responsibilities of the BOD include:
functions or Executive Officers who perform 1. Tasked with running and being responsible for
supervisory functions at the Bank. the management of the Bank for the benefit
18. The BOD avoids actions that are deliberately of the Bank in accordance with the purposes
taken to cause financial information and/or and objectives of the Bank as stipulated in the
reports not reflect the actual condition of the provision of laws and regulations, AoA, and
Bank, manipulation of bank information and/or resolutions of the GMS.
financial reports, Bank financial reports not in 2. Shall manage the Bank in accordance with
accordance with financial accounting standards, authorities and responsibilities as provided in
Governance
Corporate
Bank information and/or financial reports not in the AoA of Bank and the prevailing laws and
accordance with statutory provisions. regulations.
3. Shall implement principles of Good Corporate
BOARD OF DIRECTORS’ DISCLOSURE Governance in all Bank’s business activities at all
1. The members of BOD shall prepare the statement levels of the organization.
letter on the fulfillment of requirements of integrity 4. Shall be responsible for establishing short-term
and financial reputation and submit it to the Bank. and long-term strategic directions and priorities
2. Members of the BOD shall disclose: of the Bank.
a. Shares ownership of 5% (five percent) or more 5. Shall follow up on audit or examination findings
in the Bank concerned, other Banks, and other and recommendations from the Bank’s Internal
companies, domiciled inside and outside of Audit Working Unit (IAU), external auditors, OJK
the country. supervisory results, and/or supervisory results of
b. The financial and family relationships up authorities and other institutions.
to the second degree with members of the 6. Must implement the Bank’s social responsibility
BOC, members of the BOD, SSB, and/or the programs.
controlling shareholders of the Bank. 7. Establish an Internal Audit Working Unit (IAU), a
c. Remuneration and other facilities in accordance Risk Management Working Unit (RMWU), and a
with POJK regarding the implementation Compliance Working Unit (CWU), as well as other
of corporate governance in providing units required under OJK Regulations in order to
remuneration for commercial Banks and POJK implement good corporate governance.
regarding the implementation of corporate 8. Maintaining a healthy and open relationship with
governance in providing remuneration for the BOC and shall support the BOC in performing
sharia commercial Banks and sharia business its roles as a supervisory body.
units. 9. Shall be accountable for the implementation of its
d. Their positions in other companies. duties to shareholders through the GMS.
in the governance implementation report as 10. Required to disclose to employees regarding
stipulated in the OJK Regulation concerning the the Bank’s internal strategic policies in the
implementation of governance for commercial human resource area. Strategic policies in the
banks and sharia governance regulation for sharia human resources area include policies regarding
commercial banks and sharia business units. recruitment systems, promotion systems,
3. In the event of releasing Bank shares owned by remuneration systems as well as the Bank’s
members of the Bank’s BOD originating from the plan for efficiency through employee reduction.
share ownership program for management must Disclosure of these policies must be made
be carried out with due regard to Good Corporate through means that are know or can be easily
Governance in the Bank and considering the accessed by employees.
condition of the Bank.
What is meant by considering the condition of the
Bank, among others, is not to release shares that
346 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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11. In managing data and information related to the b. Direct, monitor and evaluate the
Bank, the BOD shall: implementation of the Integrated Governance
a. have and provide accurate, relevant and timely Guidelines.
data and information to the BOC and SSB; and c. Follow up on the direction or advice of the
b. carry out data and information management FHC BOC in order to improve the Integrated
in accordance with the Good Governance Corporate Governance Guidelines.
of the Bank and the provisions of laws and 15. The FHC BOD is required to ensure that audit
regulations. findings and recommendations from the
12. In terms of the Company as Operational Financial integrated internal audit working unit, external
Conglomeration Holding Company (FHC), auditors, results of OJK supervision and/or
the BOD shall ensure the implementation of results of supervision by other authorities have
Integrated Corporate Governance in Financial been followed up by FSIs within the FC.
Conglomeration (FC). 16. The implementation of the duties and
FHC Directors are at least required to: responsibilities of the FHC BOD is not counted as
a. carry out duties and responsibilities in concurrent positions.
accordance with authority, good faith and 17. The BOD is responsible for ensuring the
Governance
Corporate
prudential aspects; implementation of integrated risk management
b. implementing governance, risk management and compliance that is aligned to the latest
and capital fulfillment of the FC in an integrated developments in the Banking ecosystem and
manner; supported by digitalisation and technological
c. support the implementation of the duties of the innovation.
OJK, ministries and/or related institutions; and The BOD shall ensure that the implementation of
d. submit reports and information required by the risk management covers country risk and transfer
OJK. risk. In implementing risk management related to
country risk and transfer risk, the BOD shall at
Operational FHC is required to have a Director least:
who supervises the function or management unit a. formulate and establish a strategy in managing
of the FC which can be concurrently held by a country risk and transfer risk in accordance
Director of other functions in the Company, which with the characteristics and complexity of the
is adjusted to the scale and complexity of the FC. bank.
b. establish risk limits and monitor compliance
The Director of FHC Operations is prohibited from with country risk and transfer risk exposure
holding concurrent positions in: limits.
a. other positions that may give rise to a conflict c. develop, establish, and ensure the
of interest in carrying out their duties as a implementation of policies and procedures to
member of the Operational FHC’s BOD; and/or identify, measure, monitor, and control risks
b. other positions in accordance with law and associated with country risk and transfer risk
regulations. in the bank’s business activities.
d. monitoring the development of country risk
The fit and proper test of the Operational FHC and transfer risk and implementing adequate
Directors is carried out in accordance with the follow-up.
provisions of the OJK Regulations on Financial e. perform credit risk control on country risk and
Conglomerate and Financial Conglomerate transfer risk exposures for each country, which
Holding Companies and other related OJK includes intragroup exposures, exposures
provisions. based on specific regions, exposures based
13. To support the implementation of Integrated on individuals, and exposures based on
Corporate Governance in the FC, the BOD shall counterparties to transactions.
establish an Integrated Internal Audit Working f. having and developing a management
Unit, Integrated Risk Management Working Unit information system for country risk and
and Integrated Compliance Working Unit. transfer risk that is able to provide accurate,
14. In order to ensure the implementation of Integrated complete, informative, timely and reliable data
Corporate Governance, the BOD shall at least: so as to provide adequate reports.
a. Develop Integrated Corporate Governance g. conduct periodic evaluation and stress testing
Guidelines. at least 1 (one) time in 1 (one) year or based on
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 347
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certain conditions that will significantly affect 2) The BOD must follow up on recommendations
the Bank. from the SSB supervision results.
h. ensure adequate internal control and review of 22. In carrying out their duties and responsibilities for
country risk and transfer risk. the management of the Bank, the BOD must hold
The BOD shall compile and submit the results an annual GMS and other GMS as stipulated in
of identification, measurement, monitoring, and Laws and regulations and the AoA.
control of country risk and transfer risk in the risk 23. Each member of the BOD is jointly and severally
profile report. liable for jointly and severally liable for the Bank’s
18. If the Bank has a UUS, the BOD is responsible for losses caused by the fault or negligence of an,
the development of the UUS, which is conducted member of the BOD in carrying out his/her duties.
in accordance with the POJK regarding the 24. Members of the BOD exercise authority and
implementation of corporate governance for responsibility related to the implementation
commercial Banks, the provisions of laws and of Information Technology governance in
regulations regarding the implementation of accordance with the POJK for the Implementation
sharia governance and in accordance with of Information Technology by Commercial Banks.
applicable laws and regulations. 25. In carrying out the internal audit function, the
Governance
Corporate
19. The BOD shall at least: BOD is responsible for:
a. Develop policies and procedures to identify a. develop an internal control framework to
and manage non-performing assets, asset identify, measure, monitor, and control all risks
classification, calculations related to allowances faced by the Bank;
and reserves, and asset write-offs; b. ensure that the IAU receives information
b. Conduct periodic reviews of asset classification regarding developments, initiatives, projects,
and provisioning for non-performing loans products, and operational changes, as well as
and/or financing, and identify and manage identified and anticipated risks;
non performing assets adequately. including c. ensure that appropriate optimal corrective
provisioning in line with the risks incurred; actions have been taken promptly regarding
c. Periodically review the provision established all IAU findings and recommendations; and
to be in line with current conditions; d. ensure that the Head of the IAU has the
in accordance with the standards and provisions necessary resources and budget to carry out
of laws and regulations. its duties and functions in accordance with the
20. The BOD in charge of the functions of sharia annual audit plan.
compliance, sharia risk management, sharia 26. The internal audit charter is established by the
internal audit is responsible for the effectiveness President Director after receiving approval from
of the implementation of these functions in the BOC.
fulfilling Sharia principles in coordination with
SSB in carrying out their duties. AUTHORITY OF THE BOARD OF DIRECTORS
21. In relation to the application of Sharia principles 1. The BOD shall represent Bank inside and outside
then: the court of law with regards to all matters and
1) The BOD must support the implementation of in all events and bind Bank with other parties
the duties of the SSB, at least: with limitations and requirements as stated in the
a. Provide accurate, relevant, and timely Bank’s AoA.
data and information to the SSB in order to 2. The BOD is authorized to perform any other
perform the duties of the SSB; authorities granted by the Bank’s AoA and the
b. Ensure the availability and adequacy prevailing laws and regulations.
of internal reporting supported by an 3. 2 (two) members of the BOD act jointly for and on
adequate management information system behalf of the BOD and as such present the Bank.
to support the process of performing the 4. A member of the BOD does not have the authority
duties of the SSB; to represent the Bank if:
c. Providing adequate facilities and a. There is a litigation case between Bank and
infrastructure to support the process of such member of the BOD.
performing SSB duties. b. Has interests which conflicts with the interests
of the Bank.
348 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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If circumstances mentioned above accured, the The Bank’s BOD consists of individuals with diverse
Bank shall be represented by: professional backgrounds that are relevant to the
a. members of the BOD who do not have conflict Bank’s line of business. Members of the BOD possess
of interests with the Bank. extensive experience in the banking industry,
b. the BOC if all members of the BOD have enabling them to provide strategic insights into the
conflict of interests with the Bank. Bank’s operations and strengthen the effectiveness
c. other parties appointed by the GMS, if all of the Bank’s strategic management functions.
members of the BOD dan the BOC have
conflict of interests with the Bank. BOARD OF DIRECTORS’ SUCCESSION
5. The BOD is authorised to represent the Bank POLICY
in accordance with the provisions of laws and The Bank has a succession policy for members of the
regulations, AoA, and resolutions of the GMS. BOD to secure leadership succession in the future.
The succession is carried out through the identification
POLICY FOR BOARD OF DIRECTORS of potential executive officials through the Talent
COMPOSITION DIVERSITY Review Program. Each member of the BOD has to
Governance
Corporate
The Bank has a diversity policy that offers reference submit a minimum of 2 (two) replacement candidates
in the nomination process for prospective members whose competency and skill gaps will be evaluated
of the BOD. The Bank appreciates and respects and identified. These replacement candidates will be
every difference in viewpoint, knowledge, ability grouped in the talent inventory to be recommended
and experience of each individual without prejudice to the Nomination and Remuneration Committee.
against race, ethnicity, gender and religion.
BOARD OF DIRECTORS NOMINATION
In the nomination process, in addition to considering POLICY [IDX G-06]
minimum requirements and other criteria, the Bank The Nomination Policy is prepared as a basis for
also takes into account the range and balance of carrying out the process of identifying candidates for
knowledge, expertise, and experience, as well as members of the BOD with the best qualifications who
the need for diversity, as key considerations in meet te minimum criteria as stipulated in statutory
determining the optimal composition of the BOD. regulations and other criteria.
An optimal composition of the BOD enhances the
effectiveness of decision‑making and ultimately The process of identifying candidates for the BOD
improves the Company’s performance. is conducted by Nomination and Remuneration
Committee, if necessary the Nomination and
As part of the implementation of diversity and Remuneration Committee may utilize the the services
inclusivity policies in leadership, the Bank has two of a third party (search firm). The Nomination and
female Directors who play an active role in strategic Remuneration Committee identifies candidates who
corporate decision‑making. Their presence reflects meet the criteria, interviews and selects candidates
the Bank’s commitment to creating an equal, diverse, (including verifying their background and reference).
and balanced working environment, while enriching
perspectives in the decision‑making process at the The Nomination and Remuneration Committee
management level. will consider knowledge, professional skills and
experience, as well as compositional diversity
without prejudice against race, ethnicity, gender and
religion in identifying candidates. The Nomination
and Remuneration Committee proposes the selected
candidates to the BOC for approval and ratification
at the GMS. The Nomination and Remuneration
Committee will also evaluate all members of the BOD
who will be reappointed at the GMS.
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Page 352
NUMBER, COMPOSITION, AND CRITERIA OF BOARD OF DIRECTORS
The composition of the Bank’s BOD is as follows:
No Name Position
1 Daisuke Ejima President Director
2 Honggo Widjojo Kangmasto Vice President Director
3 Herry Hykmanto Director
4 Rita Mirasari Director
5 Dadi Budiana Director
6 Thomas Sudarma Director
7 Jin Yoshida Director
8 Yenny Siswanto Director
The Bank’s BOD has 8 (eight) members or more than the mandatory 3 (three). The BOD has more members
than the BOC which has only 6 (six). The majority of members of the BOD are Indonesian citizens who domicile
Governance
Corporate
in Indonesia.
The BOD is led by the President Director who comes from professional circles, has adequate integrity and
competence. The President Director is an independent party who has no management, ownership and/or
financial relationships or family relationships with the controlling shareholder.
All members of the BOD have met the criteria for integrity, competence and financial reputation, including
that they have good character and morals, have never been declared bankrupt or sentenced for committing
a criminal act, and have the knowledge, expertise and experience of running operations as bank executive
officers.
Term of Number of
Name Position AGM Date OJK/BI Approval Domicile
Office Appointments
Daisuke Ejima President Director March 31, 2023 April 1, 2023 2023 - 2026 1x Indonesia
Honggo Widjojo Vice President October 1, 2019 December 5, 2019 2019 - 2020 3x Indonesia
Kangmasto Director
March 23, 2020 2020 - 2023
March 31, 2023 2023 - 2026
Herry Hykmanto Director April 3, 2008 May 13, 2008 2008 - 2011 6x Indonesia
2011 - 2014
2014 - 2017
2017 - 2020
March 26, 2019 *
April 25, 2019 **
2019 - 2020
March 23, 2020 2020 - 2023
March 31, 2023 2023 - 2026
Rita Mirasari Director September 7, 2016 September 14, 2016 2016 - 2017 4x Indonesia
2017 - 2020
March 26, 2019 * April 25, 2019 ** 2019 - 2020
March 23, 2020 2020 - 2023
March 31, 2023 2023 - 2026
Dadi Budiana Director March 20, 2018 October 17, 2018 2018 - 2020 3x Indonesia
March 26, 2019* April 25, 2019** 2019 - 2020
March 23, 2020 2020 - 2023
March 31, 2023 2023 - 2026
350 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 353
Term of Number of
Name Position AGM Date OJK/BI Approval Domicile
Office Appointments
Thomas Sudarma Director March 25, 2022 July 8, 2022 2022 - 2023 2x Indonesia
March 31, 2023 2023 - 2026
Jin Yoshida Director March 22, 2024 July 11, 2024 2024 - 2026 1x Indonesia
Yenny Siswanto Director March 21, 2025 June 5, 2025 2025 – 2026 1x Indonesia
Information:
* EGMS decision on March 26, 2019 approved changes to the composition of the BOD due to the merger process between Bank and PT Bank Nusantara
Parahyangan Tbk (BNP)
** Based on OJK letter No. S-122/PB.12/2019 dated April 25, 2019 concerning Submission of the Decision of the Board of Commissioners of the Financial Services
Authority (OJK) regarding the Merger of PT Bank Nusantara Parahyangan Tbk into PT Bank Danamon Indonesia Tbk and the Fit and Proper Test Results of the
Management of PT Bank Danamon Indonesia Tbk (as a result of the merger), all members of the BOD have passed the fit and proper test from the OJK.
SCOPE OF WORK AND RESPONSIBILITIES OF EACH DIRECTOR
Each member of the BOD has an area of duties and authority as regulated under the Bank’s AoA and Directors’
Decisions.
In 2025, based on the organizational structure the scope of duties and responsibilities of each Member of the
Governance
Corporate
BOD was as follows:
Name Duties and Responsibilities
Daisuke Ejima Coordinate all the Directors as well as directly manage and supervise Internal Audit,
President Director Treasury Capital Market, Corporate Strategy, Human Resources, Finance as well as
supervising PT Adira Dinamika Multi Finance Tbk
Honggo Widjojo Kangmasto Consumer Banking Group, Branch Network, Small Mediun Enterprise (SME), Operations
Vice President Director as well as supervising PT Adira Dinamika Multi Finance Tbk
Herry Hykmanto Sharia Banking, SME Credit, Sustainable Finance and CREM
Director
Rita Mirasari Compliance, Financial Crime Compliance, Corporate Secretary, Legal and Litigation
Director
Dadi Budiana Risk Management
Director
Thomas Sudarma Enterprise Banking & Financial Institution, Transaction Banking and Treasury Sales
Director
Jin Yoshida Global Alliance Strategy and Financial Conglomerate
Director
Yenny Siswanto Information Technology and Digital
Director
INDEPENDENCY OF MEMBERS OF THE BOARD OF DIRECTORS
All members of the BOD do not have financial and family relationships up to the second degree with members
of the BOC, other members of the BOD, SSB and/or controlling shareholders of the bank as outlined in a
statement letter and signed by members of the BOD and updated annually. Members of the BOD have met the
independence requirements in accordance with the provisions of good corporate governance implementation
accommodated in the Board of Directors Charter.
FAMILY AND FINANCIAL RELATIONS OF MEMBERS OF THE BOARD OF DIRECTORS
Family Relation with Financial Relation with
Controlling Controlling
Name Position BOC BOD SSB
Shareholder
BOC BOD SSB
Shareholder
Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No
Daisuke Ejima
President - √ - √ - √ - √ - √ - √ - √ - √
Director
Honggo Widjojo Vice President - √ - √ - √ - √ - √ - √ - √ - √
Kangmasto Director
Herry Hykmanto Director - √ - √ - √ - √ - √ - √ - √ - √
Rita Mirasari Director - √ - √ - √ - √ - √ - √ - √ - √
Dadi Budiana Director - √ - √ - √ - √ - √ - √ - √ - √
Thomas
Director - √ - √ - √ - √ - √ - √ - √ - √
Sudarma
Jin Yoshida Director - √ - √ - √ - √ - √ - √ - √ - √
Yenny Siswanto Director - √ - √ - √ - √ - √ - √ - √ - √
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 351
Page 354
CONCURRENT POSITION OF MEMBER OF THE BOARD OF DIRECTORS
The BOD discloses their positions or other positions as outlined in a statement letter and signed and annually
updated by the members. Excluding concurrent positions for members of the BOD who have supervisory
responsibility for the Bank’s investment in Subsidiaries, perform functional duties as BOC in non-bank
Subsidiaries controlled by the Bank. All members of the Bank’s BOD do not hold any prohibited concurrent
positions in accordance with POJK on the Implementation of Governance for Commercial Banks.
Name Position in Bank Position in Subsidiary
Daisuke Ejima President Director President Commissioner PT Adira Dinamika Multi
Finance Tbk
Honggo Widjojo Kangmasto Vice President Director Commissioner PT Adira Dinamika Multi Finance
Herry Hykmanto Director
Rita Mirasari Director
Dadi Budiana Director
Governance
Corporate
Thomas Sudarma Director
Jin Yoshida Director
Yenny Siswanto Director
SHARES OWNERSHIP OF BOARD OF DIRECTORS MEMBERS
As of December 31, 2025, the direct and indirect share ownership of each member of the BOD in the Bank,
Other Banks, Non-Bank Financial Institutions and other Companies are given below:
Share Ownership in
Name Position Non-Bank
Other
Bank Other Bank Financial
Company
Institution
Daisuke Ejima President Director - - - -
Honggo Widjojo Kangmasto Vice President Director 1,573,300 shares - - -
Herry Hykmanto Director 809,156 shares - - -
Rita Mirasari Director 424,400 shares - - -
Dadi Budiana Director 946,400 shares - - -
Thomas Sudarma Director 589,700 shares - - -
Jin Yoshida Director - - - -
Yenny Siswanto Director 122,800 shares - - -
REMUNERATION OF BOARD OF DIRECTORS
Policies and Indicators for Determining Board of Directors’ Remuneration
The determination of BOD’s remuneration is recommended by the Nomination and Remuneration Committee
with due reference to Bank’s remuneration principles and target achievement results (goal setting), applicable
regulations, industry comparison, and Bank performance. The Committee’s recommendations are submitted
to the BOC for approval from the GMS.
352 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 355
Procedures for Determining Board of Director’s Remuneration
The process of determining BOD’s remuneration can be described as follows:
Nomination and Remuneration Committee
The Nomination and Remuneration Committee collects information on remuneration standards for similar
positions and industries in the market (industry comparison) with due consideration of the Bank’s performance.
The Committee makes recommendations to the BOC.
Board of Commissioners
The BOC reviews the recommendations from the Nomination and Remuneration Committee and proposes the
remuneration of the BOD to the GMS.
General Meeting of Shareholders
Governance
Corporate
The GMS determines the remuneration for members of the BOD.
Remuneration for Members of the Board of Directors
The distribution of remuneration to members of the BOD depends on the results of the GMS decisions.
Remuneration Structure of The Board of Directors
Remuneration packages for members of the BOD are paid periodically and the grouping of remuneration levels
and the number of members of the BOD who receive remuneration packages in 1 (one) year is disclosed in the
Remuneration Policy section of this report.
BOARD OF DIRECTORS MEETING
1. The BOD shall convene BOD meetings periodically at least 1 (once) a month or at any time if deemed
necessary. Meetings are convened if attended by a majority of the members of the BOD.
2. The BOD must hold a BOD meeting with the BOC and DPS (either jointly or separately) on a regular basis at
least 1 (one) time in 4 (four) months. Meetings are held if attended by the majority of members of the BOD,
BOC and SSB members.
3. The BOD shall schedule meetings of the BOD and joint meetings of the BOD with BOC for the next year
before end of the fiscal year.
4. Each policy and strategic decision shall be decided by a meeting of the BOD with due regards to supervision
in accordance with duties and responsibilities of the BOC and shall consider Bank’s AoA provisions and
prevailing laws and regulations.
Strategic policies and decisions are decisions of the BOD that can significantly affect finances and/or have
continuous impact on the budget, human resources, organizational structure and/or third parties.
Noting supervision in accordance with the duties and responsibilities of the BOC is the participation of the
BOC in decision making which is limited to:
1. provision of funds to related parties as stipulated in the OJK Regulation regarding the Legal Lending
Limit and Provision of Large Funds for Commercial Banks and the OJK Regulation regarding the Legal
Financing Limit and Provision of Large Funds for Sharia Commercial Banks.
2. other matters stipulated in the Bank’s AoA or the provisions of laws and regulations.
5. For scheduled meetings referred to point no. 3, the meeting materials are to be delivered to participants
before the meetings are held.
6. President Director chairs the BOD meeting. In the event that the President Director position is vacant, or
the President Director is unable to attend the BOD meeting, the Vice President Director chairs the BOD
meeting. In the event that the Vice President Director position is vacant, or the Vice President Director is
unable to attend the BOD meeting, one member of the BOD elected by and from the members of the BOD
in attendance, will chair the meeting.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 353
Page 356
7. A member of the BOD can be represented at a directly or electronically and documented in
BOD meeting only by other member of the BOD accordance with the provisions of laws and
based on power of attorney. regulations.
8. BOD meeting is lawful and entitled to take legal 14. Results of the joint BOD with BOC meetings
and binding decision if more than ½ (one-second) shall be set out in the minutes of meetings and
of the BOD members attended or represented in submitted to all members of the BOD, the BOC,
the meeting. and the Corporate Secretary.
9. Decision-making of the BOD through the BOD 15. Dissenting opinions that occur in the BOD
meeting is based on deliberation to reach a meetings shall be clearly stated in the minutes of
consensus. In the event that deliberation for meeting and the reasons for such difference in
consensus does not occur, the decision is made opinions stated.
based on a majority vote. 16. The BOD may also make valid and binding
10. Each member of the BOD in attendance is entitled decisions without holding a BOD meeting,
to cast 1 (one) vote and an additional 1 (one) vote provided that all members of the BOD have
for each other BOD members he/she represents. agreed in writing by signing the decision letter
11. Any member of the BOD in any manner containing the relevant proposal. Decisions made
Governance
Corporate
whatsoever, either directly or indirectly, having in such manner shall have similar legal basis as
personal interests in a transaction, contract valid to decision made in the BOD meeting.
or proposed contract to which Bank is a party 17. Decisions of the BOD made in accordance with
shall state the nature of such interest in the BOD the guidelines and work rules are binding and the
meeting and shall not be entitled to participate responsibility of all members of the BOD.
in voting regarding the matters related to the
aforementioned transaction, contract or proposed FREQUENCY OF BOARD OF DIRECTORS
contract, unless determined otherwise by the MEETINGS
BOD. During 2025, the BOD held 30 (thirty) BOD Meetings,
12. BOD meetings, meetings of the BOD with the BOC 4 (four) joint meetings with the BOC, and 3 (three)
and SSB (either jointly or separately) can be held with SSB. All results of meeting decisions have been
with a physical presence or by using teleconference, documented in the minutes of the meeting. All the
video conference technology or through other decisions were made by consensus and there were
electronic media. no dissenting opinions.
13. Results of the BOD meetings shall be set out in
minutes of the meetings and distributed to all
members of the BOD and the Corporate Secretary
BOARD OF DIRECTORS MEETING AGENDA
No Meeting Dates Meeting Agenda
1 January 6, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Cyber Security Maturity Assessment Result
3. Digital Maturity Assessment
4. Mitra Sunter Fraud Case
2 January 30, 2025 1. Review and Approval of Previous Minutes of Meeting
2. December 2024 CoC and NPL
3. 2025 Annual General Meeting of Shareholders
4. BISA Meeting and Housekeeping
5. GCO Initiatives Update
6. Secretary Pooling
3 February 6, 2025 2024 Audit Closing
4 February 11, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Appointment of 2025 Auditor
3. Payroll Account Analysis
4. 2025 BOD BOM Regional Mentorship Formation
5. 2025 Indonesia International Motor Show (IIMS)
5 February 24, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Appointment of 2025 Auditor
3. 2024 Dividend Payout – Capital Managament
4. January 2025 Financial Results
5. January 2025 CoC and NPL
6. Financial Holding Company - Conglomeration
7. Proactive Risk Manager (PRM) – BI Fast in Danamon
8. Project Harmony and Project Mutual
354 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 357
No Meeting Dates Meeting Agenda
6 March 10, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Rolling Forecast 1Q25
3. Account Opening Support for Indonesian Workers
7 March 19, 2025 1. Review and Approval of Previous Minutes of Meeting
2. February 2025 Financial Results
3. February 2025 CoC and NPL
4. Input from Branch Visit, Reverse Manager Forum, and BOC
5. Customer Demography Study
8 April 9, 2025 1. Review and Approval of Previous Minutes of Meeting
2. MUFG Global Meeting Feedback
3. Project Harmony
9 April 21, 2025 1. Review and Approval of Previous Minutes of Meeting
2. March 2025 Financial Results
3. Peer Banks Analysis FY2024
4. Revised Business Plan Guidance and Timeline
5. March 2025 CoC and NPL
6. 2023 Tax Audit Results
7. 2023 Tax Audit Recommendation
8. Financial Holding Company Update
9. ITSC Members Update
Governance
Corporate
10 April 25, 2025 1. MUFG Financial Conglomeration (FC) & Operational Financial Holding Company (FHC)
2. Conglomeration Corporate Plan FY25-29
11 May 7, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Flash Financial Results – April 2025
3. July BOC BOD Mid-Year Review Meeting and Leadership Summit
4. BSC Dashboard – Q1 2025 Results
12 May 26, 2025 1. Review and Approval of Previous Minutes of Meeting
2. April 2025 Financial Results
3. April 2025 CoC and NPL
4. Revised Business Plan – 1st Cut and Top Down
5. Housekeeping Meeting – Expense and Investment Management
6. GESIT Update
7. Credit Card Data Review Update
13 June 10, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Progress Update in Regional Visit Input
3. PJ Garuda Update
4. PJ Harmony Update
5. Payment System Exploitation Case Analysis
14 June 12, 2025 Project Harmony Update
15 June 23, 2025 1. Review and Approval of Previous Minutes of Meeting
2. May 2025 CoC and NPL
3. US Tariff Impact
4. Deep Dive Peer Bank Analysis 1Q25
5. May 2025 Financial Result
6. MYF and 3 Years Plan Guidance for Kick Off
7. Internal Audit Update
8. Sharia Business Update
9. UB Trial Project
16 July 14, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Regional Inputs Monthly Update
3. Socialize Plan for Leadership Summit and Analyst Briefing
4. PJ Garuda Update
5. Treasury System Upgrade Project Status Update
17 July 22, 2025 Agenda Mid-Year Forecast 1st Cut Update
18 July 24, 2025 1. Review and Approval of Previous Minutes of Meeting
2. June 2025 Monthly Result and BOC Preliminary Material Deck
3. June 2025 CoC and NPL
4. Credit Card Update
5. Internal Audit Update
19 August 8, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Mid-Year Forecast FY2025 Final Cut
3. MUFG Update
4. Project Mutual Update
5. Project Harmony Update
6. Project Garuda - Budget Request
7. Feedback on Mid Year - BOC BOD Meeting
20 August 25, 2025 1. Review and Approval of Previous Minutes of Meeting
2. July 2025 Monthly Results
3. Deep Dive Peers BS Composition and Funding
4. July 2025 CoC and NPL
5. Regional Input Update
6. Internal Audit Update
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 355
Page 358
No Meeting Dates Meeting Agenda
21 September 8, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Audit Planning Meeting Year 2025 by DTT
3. Housekeeping Meeting
4. Project Falcon
5. 2026 Balanced Score Card
6. Deep Dive Peers Bank 2025
7. MUFG Mass Retail Strategy
22 September 24, 2025 1. Review and Approval of Previous Minutes of Meeting
2. August 2025 Monthly Results
3. August 2025 CoC and NPL
4. Update on Garuda Fund
5. Krungsri BOD Visit to Indonesia
6. Non-Centrally Cleared Derivative Update
7. CoPilot Update
8. Internal Audit Update
9. BODM Meeting Governance
23 October 13, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Regional Input Monthly Update
3. Project Garuda Update
4. Japan Thematic Fund
Governance
Corporate
24 October 23, 2025 1. Review and Approval of Previous Minutes of Meeting
2. September 2025 Monthly Results
3. September 2025 CoC and NPL
4. 3YP – First Cut Discussion
5. Strategic BOC BOD Meeting and CEO Key Message
6. Key Takeaway from MGPC
7. Key Takeaway from Global CFO Conference and Project Future
8. Key Takeaway from PBCC
9. Japan Thematic Fund
10. EDC Business Model
25 November 4, 2025 3 Year Plan 2026-2028 Final Cut
26 November 12, 2025 1. Review and Approval of Previous Minutes of Meeting
2. ROMI Presentation on NTOP and TUB Programs
3. Scenario Based Security Testing in Compliance with POJK No.11/2022
4. Regional Input Monthly Update
5. Internal Audit Update
27 November 20, 2025 1. Review and Approval of Previous Minutes of Meeting
2. October 2025 Financial Result
3. Peer Banks Analysis 9M25
4. KLM and RPIM Update
5. October 2025 COC & NPL
6. 2025 BODM Mentorship Update
7. Project Ivory Interim Report
8. 2020 Tax Audit Result
9. 2020 Tax Recomendation
10. Calculator Tax System
28 December 8, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Housekeeping Meeting - Expense and Investment Management 3Q - 25
3. Adira Collaboration Update
4. CEO Dashboard - YTD Result and Insight
5. Post BOC Meeting - Follow Up Items
6. Project Ivory Final Report
7. Cyber Security Maturity Assessment Result 2025
8. Cyber Risk Profile
9. Digital Maturity Assessment for Banks 2025 Review Result
29 December 8, 2025 Update Interim Hard Close Audit FY 2025
30 December 22, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Project Garuda - Planning Phase Expenses Update
3. November 2025 Financial Result
4. November 2025 COC & NPL
5. Project Falcon Update
356 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 359
AGENDA OF BOARD OF DIRECTORS MEETING INVITING BOARD OF COMMISSIONERS
No Meeting Dates Meeting Agenda
1 March 21, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Business Update
3. Human Capital Update
2 June 24, 2025 Revised Business Plan 2025-2027
3 September 26, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Business Update
3. Project Harmony Update
4 November 17 & 18, 2025 1. Review and Approval of Previous Minutes of Meeting
2. Strategic Direction
3. Financial Update and Plan
4. Consumer Business, SME, Adira Finance, Enterprise Banking & Financial Institution (EBFI),
Treasury Capital Market Update
5. Channel Update
6. Product Update
7. Collaboration & Group Update
8. Support Update Information Technology & Digital, Human Capital
Governance
Corporate
AGENDA OF BOARD OF DIRECTORS MEETING WITH SHARIA SUPERVISORY BOARD
No Meeting Dates Meeting Agenda
1 April 24, 2025 1. SSB Evaluation of Sharia Business Unit Activities
2. Busines Update
3. SSB Recommendation
2 August 25, 2025 1. SSB Supervision of Sharia Business Unit Activities on Sharia Principles Implementation (May –
August 2025)
2. SSB Recommendation
3 December 9, 2025 1. SSB Supervision of Sharia Business Unit Activities on Sharia Principles Implementation
(September – December 2025)
2. SSB Discussion
ATTENDANCE RATE AT MEETINGS [IDX G-02]
The attendance of members of the BOD at meetings held during 2025 is as follows:
Attendance Level at BOD Attendance Level at BOD Attendance Level at BOD
Name Meetings Meetings Inviting the BOC Meetings with the SSB
(total of 30 meetings) (total of 4 meetings) (total of 3 meetings)
Daisuke Ejima 29/30 4/4 2/3
Honggo Widjojo Kangmasto 26/30 4/4 2/3
Hafid Hadeli* 6/7 1/1 -
Herry Hykmanto 29/30 4/4 3/3
Rita Mirasari 26/30 4/4 2/3
Dadi Budiana 29/30 4/4 3/3
Muljono Tjandra *
5/7 1/1 -
Thomas Sudarma 26/30 4/4 3/3
Jin Yoshida 25/30 4/4 3/3
Yenny Siswanto **
22/23 3/3 3/3
* Termination of term office as Director effective March 21, 2025
** Appointed as Director at the AGMS on March 21, 2025 and effectively served as Director on June 5, 2025
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 357
Page 360
SCHEDULE OF BOARD OF DIRECTORS Human Capital and Danamon Core Values aspects,
MEETING PLAN IN 2026 as follows:
At the end of 2025, the BOD has compiled a schedule 1. Financial performance
of meetings to be held in 2026 as many as 24 (twenty- 2. Bank health level
four) meetings of the BOD, and 3 (three) meetings of 3. Capital
the BOD inviting the BOC and 3 (three) meetings of 4. Risk profile
the BOD with the SSB. 5. Compliance with regulations
6. Significance of audit results
ATTENDANCE OF MEMBERS OF THE BOARD 7. Long-term goals and strategies
OF DIRECTORS AT THE ANNUAL GMS 8. Implementation of corporate governance
The accountability of the BOD for the implementation principles.
of their duties and responsibilities was conveyed
to shareholders through the 2024 Annual GMS. Implementation of Assessment
All members of the BOD were present at the Annual The performance evaluation of the BOD is conducted
GMS held on March 21, 2025. by the BOC, and the results of this evaluation are used
as considerations to enhance the effectiveness of
Governance
Corporate
IMPLEMENTATION OF DUTIES AND the BOD performance. In addition, the performance
RESPONSIBILITIES OF THE BOARD OF evaluation of the BOD is presented as part of the
DIRECTORS IN 2025 accountability for the implementation of their duties
The BOD ran a directed and well-planned business and responsibilities at the Annual GMS.
to meet its assigned obligations to the stakeholders.
The BOD carried out its duties and responsibilities, Performance Assessment of Members of the Board
including: of Directors
1. Made consistent follow ups on the implementation All members of the BOD have performance targets
of the Bank’s long-term strategy which had been outlined in the balanced scorecard depending on
formulated in 2025. their respective duties and responsibilities including
2. Pushed the growth of the Bank’s core business compliance management, risk control and human
lines which include Small & Medium Enterprises, resources. The performance of members of the BOD
Enterprise Banking and Consumer Banking with is assessed every 6 (six) months by the President
the prudential principle. Director.
3. Increased collaboration with MUFG in increasing
credit, funding, process efficiency and increasing Opinion of the Board of Commissioners on the
human resource capabilities. Performance of the Board of Directors
4. Increased investment in digital technology The implementation of the Bank’s strategy
solutions to provide improved customer service successfully drove healthy financial growth. In
excellence and developed automated operational 2025, the Bank managed to maintain sustainable
processes to make it more efficient and effective. profitability with net income after tax reaching
Rp4.0 trillion. Total loans disbursed by the Bank and
BOARD OF DIRECTORS PERFORMANCE its subsidiaries reached Rp201.5 trillion, supported
ASSESSMENT [IDX G-04] by all business lines and strong collaboration with
MUFG.
Performance Assessment Process
The performance of the BOD is assessed based on In terms of asset quality, the Bank continues
the results of the collegial work of all of its members to ensure risk management that adheres to the
towards the achievement of the Bank’s work plans. prudential principle, and is always guided by the risk
In addition, the performance assessment of the BOD appetite statement. As a result, the Bank managed
also considers the duties and responsibilities of the to improve its asset quality despite the challenging
BOD in accordance with laws and regulations and the economic conditions. The NPL ratio stood at 1.7%,
Bank’s AoA. an improvement of 20 basis points (bps) from the
previous year’s 1.9%. In addition, the Bank also made
Performance Assessment Criteria proactive provisioning to strengthen its balance
The criteria for assessing the performance of the sheet. Due to this, the Bank managed to improve its
BOD are based on overall achievements covering NPL coverage ratio to a record high of 280.7%.
Financial, Franchise Building, Risk and Control,
358 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 361
The Bank’s capitalization level was well improved with the Capital Adequacy Ratio (CAR) standing at 25.4%,
well above the minimum level prescribed by the Regulator. This gives the Bank the ability to grow and also the
strength to weather the potential impact of uncertainty in economic conditions.
For the good achievements in 2025, as well as the dedication that continues to be shown, the BOC expresses
its highest appreciation to the entire BOD.
ORIENTATION PROGRAM FOR NEW BOARD OF DIRECTORS
The Bank has an orientation program for the new members of its Board of Directors through On-Boarding Pack
and short meeting sessions with relevant units that give the new members more insights into the organization,
duties and responsibilities, and existing processes. In 2025, the orientation program for the new BOD member,
Yenny Siswanto, was conducted on March 21, 2025.
BOARD OF DIRECTORS TRAINING PROGRAM [POJK E.2] [IDX G-05]
The Bank gives the members of its BOD the opportunity to participate in various training, certification,
workshops and conferences to continually develop their competence, professionalism and insights. During
Governance
Corporate
2025, members of the BOD attended the following trainings, certifications, workshops and conferences:
Location
Name Training/Conference/Workshop Organizer (Online/ Date
Offline)
Daisuke Ejima Executive Training and Coaching Reimon Ikcomm Offline January 3, 2025
Communication with Ira Koesno
2025 Reverse Manager Forum - National Kick Off Danamon Offline January 7, 2025
Meeting
Exclusive Interview Bisnis Indonesia on "Grow Danamon Offline January 13, 2025
with Danamon Group" with Lukas Hendra – Senior
Editor Bisnis Indonesia
Global Talent Council-Danamon MUFG Online January 14, 2025
Regional Leaders Forum BN10 Danamon Offline January 16, 2025
Regional Leaders Forum BN06 Danamon Offline January 22, 2025
Financial Services Industry Annual Meeting 2025 OJK Offline February 11, 2025
IIMS Opening Day - Exclusive Interview IIMS Offline February 13, 2025
D'Joeara Opening Ceremony Danamon Offline February 15, 2025
Opening - Partner Banking TB Forum 2025 Danamon Offline February 27, 2025
Kick Off Event - Women Mentorship Program Danamon, MUFG, Offline March 5, 2025
(MUFG Group x IGNITE) Adira, HCI
MUFG Sr. Leadership meeting MUFG Offline April 3, 2025
Pedoman Berperilaku 2025 Danamon Online April 30, 2025
Unlocking investments for Jakarta’s transformation Kearney Offline May 27, 2025
to Top 50 Global city
Discussion with External Economist - Mari Elka Danamon Offline June 18, 2025
Pangestu
Compliance E-Learning 2025 Danamon Online July 22, 2025
Muhammadiyah Invitation: Kolaborasi Strategis Majelis Pustaka Offline July 23, 2025
untuk Mendukung Ekosistem Digital Satu Data dan Informasi
Muhammadiyah (SatuMu) Muhammadiyah
Special Townhall with MUFG President & CEO, Danamon / MUFG Online August 6, 2025
Junichi Hanzawa
Leadership Summit 2025 Danamon Offline August 9, 2025
MUFG IRCD Report: Real Estate Industry Outlook Danamon Online August 20, 2025
Refresher Mandatory Risk Management Danamon / Maisa Offline August 27, 2025
Certification Level 7 Edukasi
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 359
Page 362
Location
Name Training/Conference/Workshop Organizer (Online/ Date
Offline)
Financial Holding Company: "Financial Danamon / HHP Law Offline August 28, 2025
Conglomerate Governance Framework" Firm
Webinar: The current situation and outlook for Institute for Online September 19, 2025
changes in Asia's economic and social structure, International Monetary
quality infrastructure investment, private capital Affairs (IIMA)
mobilization, climate change response, and digital
transformation
10th MUFG Global Partnership Conference (MGPC) MUFG Offline October 2, 2025
ESG Seminar - MUFG Net Zero World (MUFG Danamon / MUFG Offline October 14, 2025
N0W) 2025
Sales Champion Conference 2025 Danamon / Manulife Offline October 17, 2025
JTF Signing Ceremony Living Lab Ventures Offline November 5, 2025
and Spiral Ventures
Sales Champion Conference 2025 Danamon / Manulife Offline November 7, 2025
Economic & Industry Outlook with Ibu Mari Elka Danamon Offline November 10, 2025
Pangestu
Governance
Corporate
Mori Hamada seminar Mori Hamada Offline November 13, 2025
Komon kai seminar Jetro Jakarta Office Offline November 19, 2025
Invitation Bank Indonesia Annual Meeting 2025 Bank Indonesia Offline November 28, 2025
Process Improvement Culture Danamon Online December 2, 2025
OJK Invitation: A Year-End Dialogue between OJK Offline December 4, 2025
Members of the Board of Commissioners and the
Financial Services Industry in 2025
Adira BOC Refreshment Training 2025 Adira Offline December 12, 2025
APU PPT & PPPSPM 2025 Danamon Online December 16, 2025
Big Alpha Business Summit 2025 Big Alpha Offline December 19, 2025
Honggo Widjojo Reverse Manager Forum - National Kick Off Danamon Offline January 7, 2025
Kangmasto Meeting
2025 Reverse Manager Forum Danamon Offline January 9, 2025
PEDOMAN BERPERILAKU 2025 Danamon Online April 30, 2025
Leadership Summit 1H25 Danamon Offline August 9, 2025
Refreshment Mandatory Risk Management BSMR Offline August 27, 2025
Certification Level 7
Financial Conglomerate Governance Framework Danamon Offline August 28, 2025
MUFG Net Zero World MUFG Offline October 14, 2025
Danamon Compliance 2025 Danamon Online October 28, 2025
Executive Onboarding - Global Executive MUFG Offline November 5-7, 2025
Acceleration Program
Operations Insight 2025 Danamon Offline November 10, 2025
Process Improvement Culture Danamon Online December 3, 2025
APU, PPT, PPPSPM 2025 Danamon Online December 7, 2025
Occupational safety in emergency conditions Danamon Online December 8, 2025
Herry Hykmanto 2025 Reverse Manager Forum - National Kick Off Danamon Offline January 7, 2025
Meeting
2025 Reverse Manager Forum – BN 09 Danamon Offline January 20, 2025
MUFG ESG Financing Offsite MUFG & Danamon Offline February 19-20, 2025
Partner Bank – Transaction Banking Forum Danamon, KS, Hattha Offline February 27-28, 2025
Bank, SBC, VTB
Workshop LAZISMU: Membangun Ekosistem Danamon Offline April 29, 2025
Peternakan Domba dan Kambing Nasional
Workshop Economic Outlook for BPR/S Se-Jawa Danamon Offline June 10, 2025
Barat
Economic & Industry Outlook by Mari Elka Danamon Offline June 18, 2025
Pangestu
Workshop Implementasi Iuran Anggota Danamon & MPI PT Offline August 5, 2025
Muhammadiyah bersama Danamon Syariah & MPI GIT
PT Grama Inovasi Teknologi (GIT)
360 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 363
Location
Name Training/Conference/Workshop Organizer (Online/ Date
Offline)
Special Townhall with MUFG President & CEO, MUFG & Bank Online August 6, 2025
Junichi Hanzawa Danamon
Leadership Summit 2025 Danamon Offline August 9, 2025
Refresher Mandatory Risk Management LSPP Offline August 27, 2025
Certification Level 7
Financial Holding Company: "Financial HHP Law Firm Offline August 28, 2025
Conglomerate Governance Framework"
THRIVE - Driving Growth Through Innovation Danamon Offline September 17, 2025
MGPC 2025 (MUFG Global Partnership Danamon & MUFG Offline October 2, 2025
Conference)
ESG Workshop - MUFG Net Zero World (MUFG MUFG & Danamon Offline October 14, 2025
N0W) 2025
Syariah Workshop Danamon Offline October 17-18, 2025
Danamon Compliance 2025 Danamon Online October 21, 2025
MOF Sharia Session with MUFG Jakarta MUFG Jakarta Offline October 24, 2025
Governance
Corporate
Economic & Industry Outlook by Mari Elka Danamon Offline November 10, 2025
Pangestu
Rita Mirasari 2025 Reverse Manager Forum - National Kick Off Danamon Offline January 7, 2025
Meeting
PERBANAS: Invitation to Discussion on the PERBANAS Online January 20, 2025
Exposure Draft of Sustainability Disclosure
Standards.
National Symposium on SUMITRONOMICS and Katadata Offline June 3, 2025
the Direction of Indonesia’s Economy
Economic & Industry Outlook with Ibu Mari Elka Danamon Offline June 18, 2025
Pangestu (External Economist)
Socialization of the Draft OJK Regulation on OJK Offline June 20, 2025
Access to Financing for Micro, Small, and Medium
Enterprises (Draft POJK MSME) and Guidelines
for Artificial Intelligence Governance in Indonesian
Banking.
Danamon Compliance 2025 Danamon Online July 14, 2025
Danamon Information Risk Awareness (KRID) Danamon Online July 14, 2025
Implementation of the New Criminal Code (KUHP) Danamon Offline July 15, 2025
in Criminal Acts in the Banking Sector
National Seminar on ‘Deepening the Financial Bank Indonesia Offline August 4, 2025
Market and Strengthening the Stability of
Indonesia’s Financial System Through Enhanced
Utilization of Central Counterparty (CCP) in the
Money Market and Foreign Exchange Market
(PUVA)’
Katadata Policy Dialogue Combating Financial Katadata Offline August 5, 2025
Crime
Special Townhall with MUFG President & CEO, Danamon / MUFG Online August 6, 2205
Junichi Hanzawa
Leadership Summit 1H25 Danamon Offline August 9, 2025
Book Launch and Review of ‘Market Conduct OJK Offline August 14, 2025
Supervision’ for Consumer Protection and a
Sustainable, Stable Growing Financial Sector by
Mrs. Kiki & Mrs. Aviliano (as Moderator)
OJK: SIGAP PASTI: Launching Kampanye OJK Offline August 19, 2025
Nasional Berantas Scam dan Aktivitas Keuangan
Ilegal serta Workshop Internasional Preventing
and Combating Financial Scams
Refreshment SMR 2025 Jenjang Kualifikasi 7 Danamon / Maisa Offline August 27, 2025
Edukasi
Refreshment Mandatory Risk Management Danamon Online August 27, 2025
Certification Level 7
Financial Holding Company: Financial Danamon / HHP Law Offline August 28, 2025
Conglomerate Governance Framework Firm
OJK - Satgas PASTI: Evaluation and Discussion on OJK Offline September 10, 2025
Improving the Performance of Handling Consumer
and Public Reports at IASC
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 361
Page 364
Location
Name Training/Conference/Workshop Organizer (Online/ Date
Offline)
Innovation Talks 2025: THRIVE - Driving Growth Danamon Offline September 17, 2025
Through Innovation
ESG Seminar - MUFG Net Zero World (MUFG Danamon / MUFG Offline October 14, 2025
N0W) 2025
Launch of Tri-Party Agent Repo and Expansion Bank Indonesia Offline October 15, 2025
of Global Master Repo Agreement Signing for the
Development of Indonesia’s Financial Market
MUFG Partner Bank Compliance Conference Danamon / MUFG Offline October 15, 2025
Workshop Compliance Directorate Danamon Offline October 21, 2025
Discussion on Intellectual Property with Dwi Anita SAP Advocates Offline November 7, 2025
Daruherdani
Economic & Industry Outlook with Mari Elka Danamon Offline November 10, 2025
Pangestu (External Economist)
PERBANAS CFO Forum 2025 - 'Unlocking the PERBANAS Offline December 3, 2025
Next Growth Potential”
Dadi Budiana 2025 Reverse Manager Forum – National Kick Off Danamon Offline January 7, 2025
Governance
Corporate
Meeting
2025 Reverse Manager Forum –Kick Off Meeting Danamon Online January 10, 2025
BN02
APU, PPT, dan PPPSPM 2024 Danamon Online January 14, 2025
FY2024 MUFG Asia CRO Conference MUFG Online January 16&17, 2025
E-Learning ORM & QA 2024 Danamon Online January 23, 2025
Townhall Session with Mr Katsunori Yokomaku Danamon Offline February 17, 2025
IMPACT (Integrated Mentorship Program Across Danamon & Offline March 17, 2025
Talents) Kick Off Event Subsidiaries
Pedoman Berperilaku 2025 Danamon Online April 30, 2025
Economic & Industry Outlook with Mari Elka Danamon Offline June 18, 2025
Pangestu (External Economist)
Special Townhall with MUFG President & CEO, MUFG Online August 6, 2025
Junichi Hanzawa
Leadership Summit 1H25 Danamon Offline August 9, 2025
Refreshment Mandatory Risk Management Danamon / Maisa Offline August 27, 2025
Certification Level 7 Edukasi
Financial Holding Company: "Financial Danamon / HHP Law Offline August 28, 2025
Conglomerate Governance Framework" Firm
APU, PPT, dan PPPSPM 2025 Danamon Online August 29, 2025
Innovation Talks 2025: THRIVE - Driving Growth Danamon Offline September 17, 2025
Through Innovation
10th MUFG Global Partners Conference - “MGPC” MUFG Offline October 2, 2025
ESG Seminar - MUFG Net Zero World (MUFG MUFG Offline October 14, 2025
N0W) 2025
Danamon Compliance 2025 Danamon Online October 28, 2025
Economic & Industry Outlook with Mari Elka Danamon Offline November 10, 2025
Pangestu (External Economist)
E-learning Process Improvement Culture Danamon Online December 3, 2025
Thomas Sudarma 2025 Reverse Manager Forum - National Kick Off Danamon Offline January 7, 2025
Meeting
2025 Reverse Manager Forum – BN 11 Danamon Offline January 20, 2025
MUFG ESG Financing Offsite MUFG & Danamon Offline February 20, 2025
Partner Bank – Transaction Banking Forum Danamon, KS, Hattha Offline February 27-28, 2025
Bank, SBC, VTB
Economic & Industry Outlook by Mari Elka Danamon Offline June 18, 2025
Pangestu
Special Townhall with MUFG President & CEO, MUFG & Danamon Online August 6, 2025
Junichi Hanzawa
Leadership Summit 2025 Danamon Offline August 9, 2025
Refresher Mandatory Risk Management LSPP Offline August 27, 2025
Certification Level 7
362 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 365
Location
Name Training/Conference/Workshop Organizer (Online/ Date
Offline)
Financial Holding Company: "Financial HHP Law Firm Offline August 28, 2025
Conglomerate Governance Framework"
THRIVE - Driving Growth Through Innovation Danamon Offline September 17, 2025
MGPC 2025 (MUFG Global Partnership Danamon & MUFG Offline October 2, 2025
Conference)
ESG Seminar - MUFG Net Zero World (MUFG MUFG & Danamon Offline October 14, 2025
N0W) 2025
Workshop Enterprise Banking Danamon Offline October 17&18, 2025
Economic & Industry Outlook by Mari Elka Danamon Offline November 10, 2025
Pangestu
Danamon Compliance 2025 Danamon Online November 14, 2025
Forum Diskusi Makroprudensial Terbatas dengan Bank Indonesia Offline November 14, 2025
topik “Penguatan Kebijakan Makroprudensial
dalam Mendorong Percepatan Intermediasi
Perbankan”
Jin Yoshida Reverse Manager Forum - National Kick Off Danamon Offline January 7, 2025
Governance
Corporate
Meeting
2025 Reverse Manager Forum Danamon Offline January 8, 2025
2025 Reverse Manager Forum Danamon Offline January 20, 2025
MUFG ESG Financing Offsite Danamon Offline February 20, 2025
IMPACT (Integrated Mentorship Program Across Danamon Offline March 17, 2025
Talents) Kick Off Event
Global Uncertainties & Impact on Indonesia Danamon Offline June 18, 2025
Danamon Compliance 2025 Danamon Online July 25, 2025
Leadership Summit 1H25 Danamon Offline August 9, 2025
MUFG IRCD Report: Generative AI The Basics and Danamon Online August 19, 2025
Main Points
Refreshment Mandatory Risk Management BSMR Offline August 27, 2025
Certification Level 7
Refreshment 2025 SMR JK-7 BSMR Online August 27, 2025
Financial Holding Company: Financial Danamon Offline August 28, 2025
Conglomerate Governance Framework
THRIVE - Driving Growth Through Innovation Danamon Offline September 17, 2025
Danamon Information Risk Awareness (KRID) Danamon Online November 7, 2025
E-Learning Process Improvement Culture Danamon Online November 7, 2025
Economic and Industry Outlook Danamon Offline November 10, 2025
GCO Workshop 2025 Danamon Offline December 11, 2025
Yenny Siswanto Reverse Manager Forum - National Kick Off Danamon Offline January 7, 2025
Meeting
2025 Reverse Manager Forum Danamon Offline January 9, 2025
2025 Reverse Manager Forum Danamon Offline January 22, 2025
Training Sertifikasi Manajemen Risiko - Jenjang Danamon Offline February 5, 2025
Kualifikasi 7
Digital Forensics and Investigations Training Danamon Offline June 4, 2025
Leadership Summit 1H25 Danamon Offline August 9, 2025
Financial Holding Company: Financial Danamon Offline August 28, 2025
Conglomerate Governance Framework
Pedoman Berperilaku 2025 Danamon Online May 22, 2025
APU, PPT, dan PPPSPM 2025 Danamon Online October 22, 2025
Danamon Compliance 2025 Danamon Online October 22, 2025
Anti Pencucian Uang dan Pencegahan Danamon Online November 03, 2025
Pendanaan (APU PPT) Jenjang 7
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 363
Page 366
COMMITTEES UNDER
THE BOARD OF DIRECTORS
In accordance with the effectiveness of the implementation of the duties and responsibilities
of the Board of Directors (BOD), the BOD has committees under the BOD whose task is to
assist the BOD to provide advice and recommendations that can be used as a reference in
making decisions related to the implementation of the duties and responsibilities of the BOD.
Based on the Decree of the Board of Directors of PT Bank Danamon Indonesia Tbk No. Kep: DIR-005 on
the Establishment and Reaffirmation of Committees of the Board of Directors dated September 24, 2024,
The committees that assist the BOD are as follows:
1. Risk Management Committee
2. Credit or Financing Policy Committee
Governance
Corporate
3. Credit or Financing Committee
4. Information Technology Steering Committee
5. Integrated Risk Management Committee
6. Assets & Liability (ALCO) Committee
Committee Charter
Each committee under the BOD has guidelines and work rules as a reference and binding on each committee
member. The Committee Charter stipulates, among others, membership, duties and responsibilities, conduct
of meetings and reporting. The Committee Charter is continuously updated in accordance with Danamon’s
development and prevailing regulations.
Performance Assessment of Committees under the Board of Directors
Assessment of the performance of BOD committees is based on reports on the implementation of duties
and responsibilities submitted by each committee periodically. The performance of the BOD committees
during 2025 was assessed as good by the BOD and contributed to supporting the implementation of the
BOD duties and responsibilities.
364 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 367
RISK MANAGEMENT COMMITTEE
Structure and Membership of Committee
Committee Chairperson President Director
Permanent Members Board of Directors
Non-Permanent Member (non-voting) Related Executive Officers
Alternate Chairperson refer to BOD circular resolution concerning duties and authorities of BOD members.
Risk Management Committee oversees 3 (three) d. Ensure Good Corporate Governance in the
Sub-Committees, namely Sustainbility Sub- implementation of Risk Management, including
Committee, Information Disclosure Sub-Committee, among others with appropriate framework for
and Internal Control Over Financial Reporting (ICoFR) timely identification, measurement and escalation
Sub-Committee. Further explanation regarding the of risks, Legal Lending Limit provisions including
Sub-Committee can be seen in the chapter Corporate fulfillment of disbursement provision for credit/
Governance with Sub chapter Risk Management. financing to Related Party and deviations of
Governance
Corporate
business policies and/or decisions.
Status of Voting Rights and Decision Making e. Ensure that all business and operational activities
The adoption of Committee meeting resolutions shall are in-line with prevailing regulations, risk policies
be done by consensus. In the event a consensus and procedures, with approval and oversight over
cannot be reached, the adoption of resolutions shall potential exceptions, deviations and violations
be done by majority vote. Only permanent members that may have occured.
will have voting rights. In the event the vote is a tie, f. Ensure that the Bank maintains sufficient
the committee Chairperson or Alternate Chairperson provisions and reserves to protect against the
(if Committee Chairperson is unable to attend the realization of potential inherent risks, as well
meeting) is authorized to determine the decision. as ensure that the Bank has sufficient disaster
recovery procedures for business continuity.
In the event of dissenting opinion arising from the g. Review of the various existing and emerging risks
Permanent Members during decision making, the faced by the Bank, including:
dissenting opinion must be well documented in the - Credit Risk including country risk and transfer
minutes of the meeting by the Committee Secretary. risk;
- Market and Liquidity Risk;
Duties and Responsibilities - Operational Risk and Fraud;
Risk Management Committee is responsible for - Reputation Risk;
evaluations and giving recommendation to President - Information Technology and Cyber Risks;
Director and other Directors on matters relating - Legal and Litigation Risk;
to the Bank’s risk management includes the risk - Compliance risk, including financial crime risk;
management of the Sharia Business Unit and the - Strategic Risk;
fulfillment of sharia principles according to SSB - Investment Risk;
recommendation consist of, among others: - Rate of Return Risk; and
a. Assist the Board of Directors in fulfilling its - Other major risk issues periodically.
responsibility related to risk management h. Implementation of risk management processes
including Sharia Business Unit. and remedial actions in-line with external and
b. Development of Risk Management strategies, internal changes that may affect capital adequacy
policies and frameworks, including the ratio and their respective Risks profiles.
establishment of Risk Appetite parameter and i. Assess the Bank’s risk organization and
thresholds, Key Risk Indicators and Risk Tolerance infrastructure to ensure that risk management
limits to help establish boundries within which processes, systems and tools are in-line with the
the Bank’s management may operate towards organization’s development and business plans.
achieving Bank’s business objective. j. Review the implementation result of Bankwide
c. Development of contingency plans to anticipate ICAAP stress tests (including country risk &
various risks that may emerge from time to time transfer risk), climate risk stress test and other
and enable the Bank to continue operate even stress tests (such as to fulfill the regulator
under stress conditions. requirement and others).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 365
Page 368
k. Conduct oversight towards implementation of Sustainable Finance, including managing climate-related
risks.
l. Conduct oversight towards implementation of Internal Control over Financial Reporting (ICoFR).
m. Oversee and evaluate Sub-Committees under the Risk Management Committee.
Risk Management Committee Meeting
During 2025, the Committee held 12 (twelve) meetings attended by the following members of the Board of
Directors:
Name Position Number of Attendance
Daisuke Ejima Committee Chairperson 12/12
Honggo Widjojo Kangmasto Permanent Member 9/12
Dadi Budiana Permanent Member 11/12
Rita Mirasari Permanent Member 11/12
Herry Hykmanto Permanent Member 11/12
Governance
Corporate
Thomas Sudarma Permanent Member 10/12
Jin Yoshida Permanent Member 11/12
Yenny Siswanto *
Permanent Member 7/7
Hafid Hadeli **
Permanent Member 3/3
Muljono Tjandra** Permanent Member 2/3
*) Effective as Director June 5, 2025.
**) Completed his tenure on March 21, 2025.
Meetings and Meeting Agenda Risk Management Committee in 2025
No Meeting Date Meeting Agenda
1 January 20, 2025 Update on RMC matters arising from previous meeting, clearance on ROC matters arising, Risk
Management and Compliance Update.
2 February 24, 2025 Risk Management and Compliance Update.
3 March 17, 2025 Update on RMC matters arising from previous meeting, clearance on ROC matters arising, Risk
Management, Compliance, and Internal Audit Update.
4 April 22, 2025 Clearance on ROC matters arising, Risk Management and Compliance Update.
5 May 20, 2025 Clearance on ROC matters arising, Risk Management, Compliance, and Internal Audit Update.
6 June 20, 2025 Risk Management, Compliance, and Consumer Update.
7 July 21, 2025 Clearance on ROC matters arising, Risk Management, Compliance, Information Disclosure Sub-
Committee, and Internal Control over Financial Reporting Sub-Committee Update.
8 August 25, 2025 Risk Management and Compliance Update.
9 September 17, 2025 Clearance on ROC matters arising, Risk Management and Compliance Update.
10 October 20, 2025 Risk Management, Compliance, and Sustainability Sub-Committee Update.
11 November 19, 2025 Risk Management and Compliance Update.
12 December 23, 2025 Risk Management and Compliance Update.
366 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 369
ASSET & LIABILITIES COMMITTEE (ALCO)
Structure and Membership
Chairman President Director
Alternate Chairman Vice President Director
Member Chief Financial Officer (CFO) and Director(s) and/or appointed member(s) of the following
Divisions/Business Units:
• Retail Banking
• SME
• Enterprise Banking & Financial Institution, Transaction Banking
• Risk Management
• Treasury & Capital Market
Status of Voting Rights and Decision Making g. To review the following topics on monthly basis:
The resolution of the Meeting should be adopted - Economic Overview and Market Outlook
based on the deliberation to reach a consensus. ln the - Recent movements in key components of
event no consensus can be reached, the resolution Balance Sheet, Yield/COF and NIM
Governance
Corporate
shall be adopted by means of voting, based on the - Funds Transfer Pricing (FTP)
approved votes of more than 1/2 (half) of the total - Funding and Lending products pricing
votes validly cast in the said the Meeting. - Market & Liquidity Risk profile on the Balance
Sheet, AFS Portfolio and Trading book
The result of the Meeting must be stated in minutes - Contingency Funding Plan (CFP) monitoring
of meeting and well documented. Any dissenting - Capital Management
opinion in the Meeting must be clearly stated in - and other ALCO related issues
minutes of meeting together with the reason of the h. On a periodic basis, review and approve the
dissenting opinion. followings:
- Market & Liquidity Risk limit framework for
Duties and Responsibilities Balance Sheet, AFS Portfolio and Derivative for
The ALCO Committee has the following duties and funding. The framework should be presented
responsibilities: to the Board of Comissioners for endorsement
a. To establish committee coverage, meeting - Liquidity and lnterest Rate Risk stress test
procedures, working process and sets assumptions
Sub- Committees to support ALCO. - Core balance calculation for interest rate risk,
b. To determine policies and guidelines for liquidity liquidity risk and FTP calculation
risk, interest rate risk and capital management for - FTP policies and methodology
Bank and its subsidiaries that reflect adequate - Contingency Funding Plan (CFP) Policy
liquidity and capital, stable and diversified - Macroprudential lntermediation Ratio (RIM)
funding profile, with compliance to all regulatory target
requirements.
c. To determine issuance of securities or instrument Update the Risk Oversight Committee of the the
in the framework of providing the Bank with Board of Comissioners on the ALCO discussion
adequate liquidity, capital and diversified funding and decision. ALCO to carry out Risk Oversight
structure. Committee/Board of Comissioners directives on
d. To evaluate market condition and its likely impact market and liquidity risk matters.
on the Bank’s liquidity condition, Nll, and capital,
and to approve best course of action.
e. To review and determine the Balance Sheet
structure to improve the Bank profitability.
f. To review funding composition and to approve
any change in funding strategy and alternatives
including new institutional/structural funding.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 367
Page 370
ALCO Committee Meeting
During 2025, the Committee held 12 (twelve) meetings (Regular and Ad-Hoc) attended by the following
members:
Name Position Number of Attendance Meetings
Daisuke Ejima Chairman 10/12
Honggo Widjojo Kangmasto *
Alternate Chairman 11/12
Muljono Tjandra* Alternate Chairman 1/2
Dadi Budiana Member 11/12
Thomas Sudarma Member 11/12
Theresia Adriana* Member 10/10
Herman Savio** Member 8/9
Jenny Widjaja **
Member 3/3
Hafid Hadeli* Member 2/2
Andrew Suhandinata* Member 2/2
Governance
Corporate
*) ALCO Members were updated accordingly after Annual General Meeting of Shareholders (AGMS) on March 21 , 2025.
st
**) Jenny Widjaja was appointed as ALCO member replacing Herman Savio as Treasury & Capital Market Head, effective on September 1st, 2025.
Meetings and Meeting Agenda ALCO in 2025:
No Meeting Date Meeting Agenda
1 January 30, 2025 • Economic Overview and Market Outlook
• New FTP System Implementation Update
• IDR FTP Review
• Adira Bond Update
• Mortgage Update
• Treasury Trading Limit 2025
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
2 February 25, 2025 • Economic Overview and Market Outlook
• Treasury BSM Risk Limit 2025
• Adira FTP Review
• GWM Incentive Update
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
3 March 27, 2025 • Economic Overview and Market Outlook
• ALCO Charter 2025
• RR Charge Review
• BSM Market Risk Indicators - Sharia
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
• Performance Evaluation for ALCO 2024
4 April 28, 2025 • Economic Overview and Market Outlook
• Prime Lending Rate (SBDK) Calculation Review
• Mortgage Update
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
5 May 27, 2025 • Economic Overview and Market Outlook
• IDR FTP Review
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
6 June 2, 2025 (Ad-Hoc) & • Economic Overview and Market Outlook
June 26, 2025 • RR Charge Update
• Funding Update
• LCR Update
• Adira Bond Update
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
7 July 25, 2025 • Economic Overview and Market Outlook
• IDR FTP Review
• Mortgage Update
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
8 August 26, 2025 • Economic Overview and Market Outlook
• FTP 2026
• IDR FTP Review
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
368 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 371
No Meeting Date Meeting Agenda
9 September 25, 2025 • Economic Overview and Market Outlook
• RR Charge Update
• CFP Indicator Update
• Market and Liquidity Risk Policy 2025
• Appointment for ALCO Member (TCM Head)
• IDR FTP Review
• Adira Bond Update
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
• Prime Lending Rate (SBDK) Calculation Review
10 October 27, 2025 • Economic Overview and Market Outlook
• Mortgage Update
• IDR FTP Review
• New OJK Regulation: LCR NSFR Sharia
• Temporary (Internal) Indicator Threshold Q4-25
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
11 December 1, 2025 • Economic Overview and Market Outlook
• IDR FTP Review
• RR Charge Review
• Mortgage Review
Governance
Corporate
• USD FTP Review
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
12 December 23, 2025 • Economic Overview and Market Outlook
(Circulated by e-mail) • Internal Liquidity Adequacy Assessment Process (ILAAP)
• Balance Sheet Structure and Yield/COF Analysis
• Market & Liquidity Risk Update
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 369
Page 372
INFORMATION TECHNOLOGY (IT) STEERING COMMITTEE
Structure and Membership
Chairman Vice President Director
Vice Chairman Risk Management Director
Members • Information Technology & Digital Director
• Global Alliance Strategy Director
• Enterprise Banking & Financial Institutions Director
• Chief Financial Officer
Other invitations depend on the relevance of each area.
Members • President Director
• Bank Director and Subsidiary
• Bank Business Head and Subsidiary
• Bank Head Support Function and Subsidiary
Secretary BPR, Control & Compliance Head
Status of Voting Rights and Decision Making USD2 million over 5 (five) years and had been
Governance
Corporate
The meeting is deemed quorum if attended by implemented project will be tracked by Financial
Chairman or Risk Management Director, along with Planning (FP) and result will be presented by
2/3 (two third) of the members. Each Committee respective user/LoB in ITSC meeting.
member has equal voting rights. Decision making in d. Ensure the allocation of adequate and proper
the Committee meetings is conducted with aim of IT resources. If required to engage a third party
reaching consensus. In the event that deliberation to assist in project implementation, ITSC should
does not reach consensus, decision making is based ensure that policies and procedures are in place
on voting by the affirmative vote of more than 1/2 according to Bank internal policy and involve
(half) of attended members in the meeting. Procurement in relation to third party engagement
and IT from the beginning if this related with
Duties and Responsibilities technology to be implemented and/or used for
The Committee has duties and responsibilities, the bank.
among others: e. Review recommendations from other sub/
a. Periodically review, formulate, and recommend working committees for matters related to IT.
Bank’s Technology Information (IT) strategic plan, f. Provide recommendations for solving IT related
IT policies, standards, and procedures, and ensure issues that can’t be resolved by the working unit
alignment of IT projects with the strategic plan by of IT users and providers in an effective, efficient,
monitoring IT performance and improvement of and timely manner.
the performance. g. Perform such other duties and responsibilities as
b. Review and recommend IT projects that are may be assigned to the Committee, from time to
aligned with Bank’s strategy and proposed as part time, by the BOD.
of IT project prioritization with Capex investment h. Conduct a self-assessment by filling out the
equal to or greater than USD500 thousand, or total worksheet and preparing committee’s activities
cost ownership (TCO) equal to or greater than report every year as an evaluation report on the
USD2 million over 5 (five) years, or its equivalent committee’s work performance.
IDR. i. ITSC Secretary is responsible to coordinate the
c. Review post implementation of strategic projects ITSC review, as well as managing documentations,
& benefit realization after implementation in terms meeting materials and meeting schedule of the
of cost and benefit. Project that approved through committee.
Information Technology Steering Committee
(ITSC) meeting with investment amount equal
to or greater than USD500 thousand or total
cost ownership (TCO) equal to or greater than
370 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 373
Information Technology Steering Committee Meetings
Throughout 2025, the Committee convened 14 (fourteen) meetings. The meetings were attended by the
following members of the Board of Directors;
Number of Attendance
Name Position
Meetings
Honggo Widjojo Kangmasto Chairman 14/14
Dadi Budiana Vice Chairman 7/14
Yenny Siswanto Member 14/14
Jin Yoshida Member 12/14
Thomas Sudarma *
Member 4/9
Theresia Adriana *
Member 8/9
Hafid Hadeli** Member 3/4
Muljono Tjandra** Member 3/4
Andreas Kurniawan *
Member 5/5
Governance
Corporate
*) On May 19, 2025, Thomas Sudarma and Theresia Adriana officially joined as members of ITSC, while Andreas Kurniawan’s membership in ITSC has ended.
**) On March 21, 2025, the term of office of Hafid Hadeli and Muljono Tjandra at ITSC has concluded.
Implementation of Duties of Information Technology Steering Committee in 2025
The ITSC held meetings with discussion materials as follow:
No Meeting Date Meeting Agenda
1 January 10, 2025 Budget approval of proposed Digital Banking and Transaction Banking projects
2 February 6, 2025 Budget approval and transfers of proposed IT, Consumer, and Transaction Banking projects
3 February 17, 2025 Budget approval and transfers of proposed projects for Sharia, BPR, Finance, IT, Digital, and
Consumer
4 March 13, 2025 Benefit realization of IT projects, Budget approval of proposed IT, Operations, and Finance projects,
and Status of project initiation & closure
5 April 16, 2025 Budget approval of proposed new initiatives and drop of Operations & Transaction Banking
projects, Evaluation of ITSC performance, and Presentation of API-related information
6 May 20, 2025 Budget approval of proposed Operations, Digital, and Consumer projects
7 July 21, 2025 Benefit realization of IT projects, Budget approval of proposed new initiatives and drop of
Compliance, Consumer, and Digital projects, and Presentation of information related to RPA
projects and project initiation status
8 August 22, 2025 Budget approval of proposed project prioritization for 2026–2028 for Risk Management,
Compliance, Branch Network, Digital, Consumer, SME, Syariah, and BPR
9 August 28, 2025 Budget approval of proposed project prioritization for 2026–2028 for IT, Operations, Transaction
Banking, and Enterprise Banking
10 September 23, 2025 Presentation of project prioritization results for 2026-2028
11 October 14, 2025 Budget approval of proposed BPR and Consumer projects
12 October 30, 2025 Budget approval of proposed Digital and Branch Network projects
13 November 24, 2025 Benefit realization of IT and Finance projects, and Budget approval, drop, and additional budget of
proposed Risk Management, and Finance projects
14 December 9, 2025 Budget approval of proposed Digital projects
The ITSC approved the budget transfer for IT projects through e-mail circulation in October 2025.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 371
Page 374
INTEGRATED RISK MANAGEMENT COMMITTEE
Structure and Membership
Chairperson Risk Management Director of Financial Holding Company (FHC) - Danamon
Permanent Members • Director in charge of Financial Conglomeration (FC)
• Compliance Director of FHC (Danamon)
• SME Credit Director of FHC (Danamon)
• Appointed Director of FC Members
• Appointed Division Heads in the Integrated Risk Management Working Unit of FHC
Permanent Invitee Chief Internal Auditor of FHC (Danamon(
Alternate Chairperson: Refer to Danamon’s BOD circular resolution concerning duties and responsibilities of BOD members.
Status of Voting Rights and Decision Making 2. Evaluation of the effectiveness of implementation
The Committee Meeting Resolutions shall be of the Integrated Risk Management policy,
adopted based on conseus principle. In the case of framework, and guideline.
no consensus, the resolution shall be determined 3. Identification of issues that may impact financial,
based on majority vote in which 1 (one) entity can compliance/regulatory, legal and reputation
Governance
Corporate
cast for 1 (one) vote. At the event when the vote result risks for the FC based on data/information being
in a tie, the Committee Chairperson or Alternate shared by FC members.
Chairperson (in absence of the Chairperson) is 4. Escalation of all risk related matters that require
authorized to determine the ultimate descision. the attention of the Directors of the FHC or entities
within the FC.
Dissenting opinions that occurs in the meeting shall 5. Assessment of key risks in the FHC and FC
be clearly stated in the minutes of meeting along with members including the formulation of strategies
the reasons of dissenting opinion. to deal with existing and emerging risk issues.
6. Review and recommend the semi annual
Duties and Responsibilities integrated risk profile report.
The main role of the Integrated Risk Management 7. Review and recommend the policy and strategy
Committee is to evaluate and give recommendations for integrated capital management, as well as
to the Board of Directors of the FHC for: Integrated Capital Adequacy Report for FC.
1. Preparation of the integrated risk management 8. Knowledge sharing/lessons learned between
policy, framework and guideline and periodic entities in the FC so that it can improve the
improvement or refinement based on the results implementation of integrated risk management to
of implementation evaluation. be more effective.
The refinement of Integrated Risk Management
policy, among others, is in the form of refinement Member Attendance at Integrated Risk
of strategy and risk framework. The refinement of Management Committee Meetings
Integrated Risk Management policy is conducted During 2025, the Integrated Risk Management
periodically or incidentally as a result of changes Committees held 2 (two) meetings, one in March and
in internal and external conditions that affect the other one in August 2025.
capital adequacy, risk profile, and effectiveness
of Integrated Risk Management implementation The following is the attendance of committee
based on the evaluation results. members at meetings held in 2025:
Name Position Number of Attendance Meetings
Dadi Budiana Chairperson 2/2
Rita Mirasari Permanent Member 1/2
Herry Hykmanto Permanent Member 2/2
Sigit Hendra Gunawan Permanent Member 2/2
Mahendra Rendiantama* Permanent Member 1/1
Animesh Narang Permanent Member 1/2
Ade Prima Ratu Bagus Permanent Member 2/2
Suwandi Kusuma** Permanent Member 1/1
Kho Tjhing Kian **
Permanent Member 1/1
Ari Priyatna** Permanent Member 1/1
Rusmin Basuki** Permanent Member 1/1
* The representative of MUFG Bank Jakarta branch effectively ceased to be a member of Integrated Risk Management Committee on June 24, 2025.
** Updated appointed Division Heads as permanent members due to employee retirement.
372 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 375
Meetings and Meeting Agenda of Integrated Risk Management Committee in 2025
No Meeting Date Meeting Agenda
1 March 3, 2025 Integrated Risk Profile Semester 2 of 2024, Integrated Capital Adequacy Semester 2 of 2024, and
Integrated Risk Management Update of all MUFG FC members.
2 August 12, 2025 Integrated Risk Profile Semester 1 of 2025, Integrated Capital Adequacy Semester 1 of 2025, and
Integrated Risk Management Update of all MUFG FC members.
CREDIT OR FINANCING COMMITTEE
Structure and Membership
Committee Members Members of the Credit or Financing Committee are appointed considering his/her
professionalism, experience, and capability qualification. Further governance regarding the
membership of the Credit or Financing Committee refers to Credit or Financing approval
authority policy.
Governance
Corporate
Credit or Financing Committee was formed in order to evaluate and/or decide on the credit or financing (with
Sharia principles) proposal for the amounts and types of credit or financing determined by the Bank’s Board
of Directors.
Status of Voting Rights and Decision-Making
Approval of credit or financing proposals is given by the Credit or Financing Committee where all committee
members must come to an agreement on the credit or financing proposals independently and unanimously.
Duties and Responsibilities of Committee
Credit or Financing Committee in their duties, especially in deciding on credit or financing must be carried out
based on their competence honestly, objectively, carefully and throughly. The duties and responsibilities of
Credit or Financing Committee are regulated in more detail on the Credit Risk Policy.
Authorities of Committee
Credit or Financing Committee are authorized to approve credit or financing proposal, additional, renewal,
or changes on the existing exposure and remedial or settlement of non performing loan or financing. Credit
or financing authorities up to the maximum amount in where they may provide the final approval are further
governed in the current Credit or Financing approval authority policy.
Credit or Financing Committee Meeting
Credit or Financing Committee meetings is held in the form circulating credit proposal material by Business
Unit to all Credit or Financing Committee members. Credit or Financing Committee meetings is held to provide
decisions on credit or financing proposals. If needed, Credit or Financing Committee meetings can be held in
the form of physically or virtually.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 373
Page 376
CREDIT OR FINANCING POLICY COMMITTEE
Structure and Membership of Committee
Committee Chairman President Director
Alternate Chairman Risk Management Director
Permanent Member • Vice President Director
• SME Credit Director
• Enterprise Banking (EB) & Financial Institution (FI) Director
• Chief Internal Auditor (provide independent review with no voting rights)
Permanent Invitation • Compliance Director
• Global Alliance Strategy Director
Credit or Financing Policy Committee are responsible c. The effective implementation of credit
to provide feedback to Board of Director on the or financing approval authorities and the
development of Bank’s credit policies as to ensure performance of the delegated authority
the implementation of prudential principles in credit/ holders within the Business and Credit Risk
Governance
Corporate
financing granting and monitor the implementation of teams, with respect to the asset quality where
Bank’s credit policies. they have acted as approvers.
d. The implementation of Good Corporate
Status of Voting Rights and Decision Making Governance principles as related to Risk
The adoption of Committee Meeting resolutions shall Management in the extension of credit
be done by consensus. In the event a consensus or financing, including the launch of new
cannot be reached, the adoption of resolutions shall financing products, new client segments, or
be done by majority vote. Only permanent members new credit product programs and guidelines.
will have voting rights. In the event the vote is a tie, e. Policies related to the implementation of
the Chairman of Committe or Alternate Chairman Legal Lending Limit, Large Single Name
(if Chairman of Committee is unable to attend the Concentrations, and asset quality of credit or
meeting) is authorized to determine the decision. financing granted to Large Exposures clients
including to Related Parties.
In the event of a dissenting opinion arise from the f. The compliance of policies to prevailing laws
Permanent Member during decision-making, the and others regulations in providing the loan
dissenting opinion must be well documented in the or financing, including the implementation of
Minutes of the Meeting by the Committee Secretary. Sharia principles in accordance with Sharia
Supervisory Board (SSB) opinion.
Duties and Responsibilities g. Policies related to the settlement or recovery
1. Provide recommendations/input to the Board of of non performing loan or financing including
Directors in the development of Credit Risk Policy write-offs and charge-offs in accordance with
(CRP) and other related documents to ensure the CRP.
maintenance of prudential principles in credit or h. Policies related to the formulation of
financing. provisioning methodology and the
2. Ensure that the CRP can be applied and implementation, including monitoring and
implemented consistently and consequenly, validating.
and in adherence to the overall Risk Appetite i. Policies related to the formulation of credit
established by the Board of Commissioners. rating methodology and the implementation,
3. Recommended to the Board of Directors, solutions including monitoring and validating.
when there are obstacles in the implementation j. Supervision on risk management
of CRP. In Addition, Credit or Financing Policy implementation related to country risk and
Committee to conduct periodic reviews of the CRP transfer risk carried out by the Bank including
on regular basis and provides recommendations the implementation of evaluations and testing
to the Board of Directors if changes or revisions (stress testing).
are needed. k. Review regarding Credit Risk (other than
4. Monitor, ensure, and evaluate: governed above) which may arise and faced
a. The effective implementation of the CRP. by the Bank.
b. The overall growth and quality of credit or
financing portfolios.
374 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 377
5. Submit reports (including in the form of material presentation) on regular basis to the Board of Directors
and the Board of Commissioners (through Risk Oversight Committee) regarding:
a. The results of oversight on the application and implementation of credit policies; and
b. The results of monitoring and evaluation on the matters as stated in point 4.
6. Provide the recommendation for improvement to the Board of Directors and the Board of Commissioners
(through Risk Oversight Committee) on the matters related to point 5.
7. If there is any deviations in the implementation of credit policies related to the fulfillment of Sharia principles,
then the report should be submitted to the SSB.
Meetings of the Credit or Financing Policy Committee
During 2025, the Committee held 12 (twelve) meetings attended by the following members:
Number of Member’s Attendance
Name Position at Credit or Financing Policy
Committee Meeting
Daisuke Ejima Committee Chairman 12/12
Honggo Widjojo Kangmasto Permanent Member 09/12
Governance
Corporate
Dadi Budiana Permanent Member 11/12
Herry Hykmanto Permanent Member 10/12
Thomas Sudarma Permanent Member 10/12
Yenny Linardi Permanent Member 11/12
Hafid Hadeli* Permanent Member 03/03
*) Completed his tenure on March 21, 2025.
Meetings and Meeting Agenda Credit or Financing Policy Committee in 2025
No Committee Meeting Date Agenda
1 January 20, 2025 • Monthly Credit Portfolio Update including updates on EBFI large exposures
2 February 24, 2025 • Credit Risk Policy 2024 Second Amendment
• Monthly Credit Portfolio Update
• Model Risk Management Update
• Credit Card Product Program Renewal 2025
• Mortgage Card Product Program Renewal 2025
3 March 17, 2025 • Monthly Credit Portfolio Update
• Credit/Financing Policy Committee Evaluation FY2024
4 April 22, 2025 • Credit/Financing Policy Committee Charter Update
• Monthly Credit Portfolio Update including updates on EBFI large exposures
• SME Update
• Adira Update
5 May 20, 2025 • Credit Risk Policy 2024 Third Amendment
• Monthly Credit Portfolio Update
6 June 20, 2025 • Monthly Credit Portfolio Update
• EBFI Update
• UPL Product Program Renewal 2025
7 July 21, 2025 • Monthly Credit Portfolio Update including updates on EBFI large exposures
8 August 25, 2025 • Monthly Credit Portfolio Update
• MAPE Threshold for 2025 Model Validation
• Model Risk Management Update
9 September 17, 2025 • AAF Portfolio Purchase & Impact to Adira & Danamon
• ECL Policy Update
• Adira Update
• SME Update
• Monthly Credit Portfolio Update
10 October 20, 2025 • MAPE Threshold for 2025 Model Validation
• Monthly Credit Portfolio Update including updates on EBFI large exposures
11 November 19, 2025 • Monthly Credit Portfolio Update
• Credit Parameter Year End 2025
• BWMK Monitoring 2024 Result
12 December 23, 2025 • Monthly Credit Portfolio Update
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 375
Page 378
AFFILIATED RELATIONSHIPS
AND AFFILIATED TRANSACTIONS
FOR THE BOARD OF DIRECTORS,
BOARD OF COMMISSIONERS,
SHARIA SUPERVISORY
BOARDS, AND CONTROLLING
SHAREHOLDERS
Governance
Corporate
The Bank has internal provisions on Affiliated Affiliate relationship between members of the
Transactions and Conflict of Interest Transactions Sharia Supervisory Board and other members of the
that govern transactions with affiliated parties. These Sharia Supervisory Board, members of the Board
internal provisions aim to ensure that transactions of the Commissioners, members of the Board of
are conducted fairly and do not harm the interests the Director, and Controlling Shareholders
of the Bank or the interests of minority shareholders All members of the Sharia Supervisory Board have
and help increase the independence of Bank no affiliation with other members of the Sharia
Management in managing transactions that carry Supervisory Board, members of the Board of
with them the potential for conflict of interest. Commissioners, members of the Board of Directors,
and controlling shareholders.
Affiliated relationships between members of
the Board of Directors and other members of Affiliate relationships between members of the Board
the Board of Directors, members of the Board of of Directors, the Board of Commissioners, the Board
Commissioners, members of the Sharia Supervisory of Sharia Supervisory Board and with controlling
Board, and/or Controlling Shareholders shareholders is given in a financial and family relations
All members of the Bank’s Board of Directors have table available in the Board of Commissioners’, the
no affiliation with other members of the Board of Board of Directors, and the Sharia Supervisory Board
Directors, members of the Board of Commissioners, sections of this Corporate Governance Report and
members of the Sharia Supervisory Board and/or Sharia Business Unit Governance Report.
controlling shareholders.
Transactions with Affiliated Parties requires members
Affiliate relationships between members of the of the Board of Commissioners, the Board of Directors,
Board of Commissioners and other members of the and the Sharia Supervisory Board to disclose any
Board of Commissioners, members of the Board planned affiliated transactions either by themselves
Directors, members of the Sharia Supervisory or their families to the Corporate Secretary. Material
Board, and Controlling Shareholders transaction plans will be reviewed by the Compliance
All members of the Board of Commissioners have Director and subsequently reported to the Audit
no affiliation with other members of the Board of Committee. In the event of a Conflict of Interest,
Commissioners , members of Directors and members members of the Board of Directors, members of
of Sharia Supervisory Board. There are 2 (two) Non- the Board of Commissioners, and member of Sharia
Independent Commissioners who have financial Supervisory Board concerned must abstain from the
relationships with controlling shareholders, namely review and approval process of the transaction.
Yasushi Itagaki and Nobuya Kawasaki.
376 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 379
CORPORATE SECRETARY
The function of the Corporate Secretary is to ensure the timely and accurate delivery of the Bank’s material
information to all Stakeholders. The Corporate Secretary is appointed and dismissed based on the decision
of the Board of Directors. The Corporate Secretary has an important role in creating good communication
between the Bank and Shareholders and other Stakeholders.
CORPORATE SECRETARY ORGANIZATIONAL STRUCTURE
Corporate Secretary
Head of Corporate Secretary
Governance
Corporate
Corporate Secretary Officers
CORPORATE SECRETARY
Rita Mirasari is a Bank Director who has also served the Corporate Secretary since October 24, 2016
based on decision No.KSR-DIR.Cor.Sec-003 dated October 17, 2016 concerning the Appointment of
Corporate Secretary.
of the Bank in charge of Compliance, Financial
Crime Compliance, Corporate Secretary, Legal and
Litigation.
Duties and Responsibilities of the Corporate
Secretary
1. Provide recommendation to the Board of
Directors (BOD) and Board of Commissioners
(BOC) to comply with the laws and regulations in
the capital market.
2. Act as a liaison between the Bank and
Shareholders, Regulator and other Stakeholders.
Rita Mirasari 3. Assist the BOD and BOC in implementing
Indonesian Citizens. Age 56 years. Domiciled in corporate governance which includes:
Indonesia. - Transparency of information to the public
including the availability of information on the
Completed her education and earned her Bachelor website.
Degree in Law from the University of Indonesia. She - Delivery of reports to Regulator and other
launched her banking career in 1991 as a Legal Officer Authorities.
at a local bank. Her extensive experience in legal and - Organize and document the General Meeting
compliance include Corporate Secretary positions of Shareholders.
at prominent Indonesian banks. Her last position - Organize and document meetings of the BOD
before joining the Bank was Director of Regulatory and/or BOC.
Compliance & Financial Crime Compliance of HSBC, 4. Participate in being responsible for organizing the
Indonesia. She is currently the Compliance Director Bank’s Corporate Action.
5. Submit reports related to provisions in the capital
market, both periodic and incidental reports to
regulators in a timely manner.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 377
Page 380
Corporate Secretary Competency Development
The Corporate Secretary is trained in law, accounting, or corporate secretarial practices and consistently
keeps up with relevant developments.
During 2025, the Corporate Secretary attended the following trainings to improve her competency:
Training/Conference/ Location
Organizer Date
Workshop (Online/Offline)
2025 Reverse Manager Forum - National Kick Off Meeting Danamon Offline January 7, 2025
PERBANAS: Invitation to Discussion on the Exposure Draft of
PERBANAS Online January 20, 2025
Sustainability Disclosure Standards.
National Symposium on SUMITRONOMICS and the Direction of
Katadata Offline June 3, 2025
Indonesia’s Economy
Economic & Industry Outlook with Mari Elka Pangestu (External
Danamon Offline June 18, 2025
Economist)
Socialization of the Draft OJK Regulation on Access to Financing
for Micro, Small, and Medium Enterprises (Draft POJK MSME)
Otoritas Jasa Keuangan Offline June 20, 2025
and Guidelines for Artificial Intelligence Governance in Indonesian
Governance
Corporate
Banking.
Danamon Compliance 2025 Danamon Online July 14, 2025
Danamon Information Risk Awareness (KRID) Danamon Online July 14, 2025
Implementation of the New Criminal Code (KUHP) in Criminal Acts
Danamon Offline July 15, 2025
in the Banking Sector
National Seminar on ‘Deepening the Financial Market and
Strengthening the Stability of Indonesia’s Financial System Through
Indonesia Offline August 4, 2025
Enhanced Utilization of Central Counterparty (CCP) in the Money
Market and Foreign Exchange Market (PUVA)’
Katadata Policy Dialogue Combating Financial Crime Katadata Offline August 5, 2025
Special Townhall with MUFG President & CEO, Junichi Hanzawa MUFG Online August 6, 2025
Leadership Summit 1H25 Danamon Offline August 9, 2025
Book Launch and Review of ‘Market Conduct Supervision’ for
Consumer Protection and a Sustainable, Stable Growing Financial Otoritas Jasa Keuangan Offline August 14, 2025
Sector by Mrs. Kiki & Mrs. Aviliano (as Moderator)
OJK: SIGAP PASTI: Launching Kampanye Nasional Berantas
Scam dan Aktivitas Keuangan Ilegal serta Seminar Internasional Otoritas Jasa Keuangan Offline August 19, 2025
Preventing and Combating Financial Scams
Danamon/Maisa
Refreshment Mandatory Risk Management Certification Level 7 Offline August 27, 2025
Edukasi
Refreshment 2025 SMR JK 7 Danamon Online August 27, 2025
Financial Holding Company: Financial Conglomerate Governance
HHP Law Firm Offline August 28, 2025
Framework
OJK - Satgas PASTI: Evaluation and Discussion on Improving the
Otoritas Jasa Keuangan Offline September 10, 2025
Performance of Handling Consumer and Public Reports at IASC
Innovation Talks 2025: THRIVE - Driving Growth Through
Danamon Offline September 17, 2025
Innovation
ESG Seminar - MUFG Net Zero World (MUFG N0W) 2025 MUFG Offline October 14, 2025
Launch of Tri-Party Agent Repo and Expansion of Global Master
Repo Agreement Signing for the Development of Indonesia’s Bank Indonesia Offline October 15, 2025
Financial Market
MUFG Partner Bank Compliance Conference MUFG Offline October 15, 2025
Workshop Compliance Directorate Danamon Offline October 21, 2025
Discussion on Intellectual Property with Dwi Anita Daruherdani SAP Advocates Offline November 7, 2025
Economic & Industry Outlook with Mari Elka Pangestu (External
Danamon Offline November 10, 2025
Economist)
PERBANAS CFO Forum 2025 - ‘Unlocking the Next Growth
PERBANAS Offline December 3, 2025
Potential”
378 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 381
Implementation of the Duties and Responsibilities 6. Disclosed information in accordance with
of the Corporate Secretary in 2025 applicable laws and regulations.
7. Prepared recommendations for changes to the
Throughout 2025, the Corporate Secretary carried committee work procedures guidelines at the BOC
out the duties and responsibilities assigned to her and BOD levels pertaining to the implementation
with the following activities: of corporate governance.
1. Follow the development of the capital market, 8. Adjusted the Articles of Association in accordance
especially regulations related to capital market with the Bank’s needs as well as newly applicable
regulations and convey information about these regulations and legislation.
developments to the BOC, BOD, and Bank 9. Updated/adjusted the Board of Directors Charter
Stakeholders. and the Board of Commissioners Charter pursuant
2. Organized and documented the General Meeting to applicable laws and regulations and the
of Shareholders. implementation of good corporate governance.
3. Fulfilled the provisions of the Indonesia Stock 10. Prepare documentation and assist the Fit and
Exchange (IDX) regarding the Bank’s Annual Proper Test process for prospective members of
Public Expose. the BOD.
Governance
Corporate
4. Organizing and attending meeting of the BOD,
meeting of the BOD with the Sharia Supervisory Information Disclosure in 2025
Board (SSB), meetings of the BOC, meetings of As part of its commitment to information transparency,
the BOC with the BOD, meetings of the BOC with the Bank provides information to the public through
the SSB and Committee meetings at the BOC the Bank’s website and the IDX website, available
level as well as compiling and administering the in both Indonesian and English, on a regular and
minutes of the meetings. incidental basis.
5. Timely delivered reports related to provisions in
the capital market, both periodic and incidental Periodic Report
reports to the OJK and IDX in a timely manner. In 2025, the periodic disclosure of information that
have been reported by the Bank are as follows:
INFORMATION DISCLOSURE
No Type Report Objective Reporting Total
1 BDMN Securities Holder Registration Monthly Report OJK and IDX Monthly 12
2 Consolidated Financial Statements (Unaudited) of the Bank and OJK and IDX Quarterly 3
Subsidiaries
3 Consolidated Financial Statements (Audited) of the Bank and OJK and IDX Annually 1*
Subsidiaries
4 AGMS OJK and IDX Annually 1
5 Annual Report OJK and IDX Annually 1
6 Financial Report of Controlling Shareholders OJK Semester 2
7 Disclosure of Information on Fulfilment of Mandatory Annual Public BEI Annually 1
Expose
8 Evaluation report on the implementation of audit services for annual OJK Annually 1
historical financial information by Public Accountant and Accounting
Firm
9 Appointment of Public Accountants and Public Accounting Firms for the OJK Annually 1
2025 Financial Year
* Quarterly - 4
Incidental Report
In 2025, The Bank has disclosed information on 13 (thirteen) incidental reports to Regulators and made it
available for the public to access on the Bank’s official website with the link:https://www.danamon.co.id/tentang-
danamon/Informasi-Investor/Corporate-Actions-and-Bond-Information/keterbukaan-informasi-2025.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 379
Page 382
BANK
COMPLIANCE FUNCTION
In accordance with POJK No.46/POJK.03/2017 COMPLIANCE WORKING UNIT
to implement the compliance function which is a Bank has established the Compliance Working Unit
series of preventive (ex-ante) actions or steps, the (CWU) as an independent working unit that is free
implementation of the Compliance function at the from the influence of other working units, in order to
Bank is based on 4 (four) main functions, namely: ensure that the compliance function is carried out
1. Realizing the implementation of compliance effectively.
culture at all levels of the Bank’s organization and
business activities. The Regulatory Compliance & Advisory Division
2. Managing compliance risk exposure. Head and the Regulatory Compliance & Assurance
3. Ensuring that policiy, regulations, systems, Division Head possess adequate competence and
Governance
Corporate
procedures and business activities carried out by capability in the banking sector, including knowledge
the Bank are in compliance with the provisions and/or understanding of the National Sharia
of the OJK and the provisions of laws and Council – Indonesian Ulema Council (DSN-MUI)
regulations, including Sharia Principles for Sharia fatwas in the field of Islamic banking to support the
Business unit. implementation of the sharia compliance function.
4. Ensuring the Bank’s compliance with all the They also demonstrate a strong commitment to the
commitments it has made to the OJK and/or other implementation and development of a culture of
authorized Supervisory Authorities. compliance within the Bank.
ORGANIZATIONAL STRUCTURE OF THE COMPLIANCE WORKING UNIT
The organizational structure of the CWU at Bank is illustrated below:
Director in Charge of
Compliance Function
Rita Mirasari
Regulatory Compliance (RC) Regulatory Compliance (RC) Head of Financial Crime Head of Corporate Head of Legal
& Advisory Head & Assurance Head Compliance Secretary Counsel
Palupi Aly Ibrahim Lie Chen Ratih Damayanti Lie Chen* Satyo Haryo W
*) Effective as of June 4, 2025, Lie Chen was appointed as the Acting Corporate Secretary. Furthermore, effective as of December 4, 2025,
Lie Chen effectively carries out definitive function as Corporate Secretary Head.
INTEGRATED COMPLIANCE WORKING UNIT
As the Operational FHC within the MUFG FC, Bank has established and maintains an Integrated Compliance
Working Unit (ICWU), which operates independently from other operational units. The duties and responsibilities
of the ICWU are carried out by Bank’s CWU.
The ICWU reports to the Bank’s Director who oversees the Compliance Function. The ICWU is responsible for
monitoring and evaluating the implementation of the compliance function within each FSIs in the FC. Further
explanation regarding the Integrated Compliance Working Unit is presented in the chapter on the Integrated
Compliance Working Unit in this Annual Report.
380 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 383
THE ROLES OF THE BOARD OF DIRECTORS DUTIES AND RESPONSIBILITIES OF THE
AND THE BOARD OF COMMISSIONERS IN COMPLIANCE WORK UNIT
THE COMPLIANCE FUNCTION Duties and Responsibilities of CWU include:
The Board of Directors (BOD) is obliged to foster and 1. Creating a compliance program in order to
realize a Compliance Culture at all levels of the Bank support the creation of a compliance culture in all
organization and business activities. BOD shall then of Bank’s business activities at every level of its
ensure the implementation of the Bank’s Compliance organization;
Function. 2. Identifying, measuring, monitoring and controlling
compliance risk in accordance with risk
The Board of Commissioners (BOC) is obliged to management implementation for Commercial
oversee the implementation of the Compliance Banks and Sharia Business Units with OJK
Function. Active oversight of the Compliance regulations as references;
Function is exercised by giving suggestions to 3. Assessing and evaluating the adequacy and
improve the quality of the implementation of the suitability of Bank’s policies, provisions, systems
Bank’s Compliance Function and evaluating the and procedures for implementing provisions from
Governance
Corporate
implementation of the Bank’s Compliance Function at authorities;
least 2 (two) times a year. 4. Reviewing and/or recommending updates and
improvements to Bank’s policies, provisions,
COMPLIANCE DIRECTOR procedural systems to comply with the provisions
Bank has a Director in charge of the Compliance of authorities, including Sharia principles for
Function (Compliance Director), Rita Mirasari. Sharia Business Units;
The appointment of the Director overseeing the 5. Serving as Bank’s liaison officer with regulators,
Compliance Function has fulfilled all applicable especially on matters related to the implementation
regulatory requirements, including the principle of compliance and the implementation of
of independence, and does not encompass any regulatory audits;
functions that are prohibited in accordance with 6. Organizing training/outreach programs regarding
prevailing laws and regulations. external provisions for Bank’s working units.
7. Performing other tasks that bear relation to the
The CWU carries out the Bank’s compliance compliance function;
function, including the sharia compliance function 8. ICWU also has the task of at least monitoring
to ensure adherence to Sharia principles, under and evaluating the implementation of compliance
the responsibility of the Director overseeing the functions at each of the FC’s FSIs.
Compliance Function.
COMPLIANCE WORKING UNIT BUSINESS
In addition, the Compliance Director and the CWU PLAN FOR 2025
consistently coordinate with the Sharia Supervisory 1. Maintain awareness of the importance of
Board to ensure that the Bank’s policies, provisions, Compliance Culture, including the implementation
systems and procedures, as well as all business of Anti-Money Laundering (AML), Counter
activities, are in accordance with Sharia principles. Financing Terorrism (CFT), and Counter-
Proliferation Financing of Weapon of Mass
The appointment Compliance Director has been Destruction financing programs (CPF) to all
approved by OJK and the appointment of the employees in Head Office, Regional and Branch
Compliance Director has been processed in Office working units, including through the
accordance with OJK Regulation. The full profile of socialization of regulations and the development
the Compliance Director can be seen in the Annual of e-learning as well as maintaining a regulatory
Report section of the Board of Directors Profile. database on compliance portal.
2. Conduct compliance reviews on policies, new
COMPLIANCE FUNCTION POLICY products, provision of funds to parties related
The Bank’s CWU has a Policy on Compliance to the Bank and provision of funds to parties not
Function and Compliance Working Unit that covers related to the Bank within certain limits.
compliance culture, compliance function, compliance 3. Carry out consultative and liaison officer
risk management, and reporting. The policy serves functions.
as a guideline in implementing the Bank’s compliance 4. Assist in applications for new product approval
function. from regulators.
5. Coordinate and monitor compliance with
regulations by related working units.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 381
Page 384
6. Monitor the Bank’s follow-up commitment to the results of audits from regulators (OJK and BI).
7. Align several internal policies with reference to MUFG Global Best Practices.
8. Prepare and/or review the Bank’s internal policies in accordance with regulatory changes and developments.
IMPLEMENTATION OF COMPLIANCE WORK FUNCTIONS
The implementation of the duties and responsibilities of the compliance function during 2025 include:
1. Training and Socialization by CWU
In order to carry out its duties to build a compliance culture at all levels of the Bank’s organization and
business activities, CWU organized various training and socialization for all Bank employees. Training
methods were delivered directly in classrooms, virtually/online, and through e-learning.
Training and Socialization as of December 31, 2025
E-Learning Compliance 2025 In May 2025, CWU published E-learning Compliance 2025 made
mandatory to all Bank Management and Employees.
Governance
Corporate
As of December 2025, the realization of e-learning completion has
reached 100% (cut off data for employees who joined as of October
2025).
Training/ socialization to working units Semester 1 of 2025= 16 training/ socialization
Semester 2 of 2025= 15 training/ socialization
Dissemination of new regulatory materials to the relevant Semester 1 of 2025= 76 new provisions
working units Semester 2 of 2025= 64 new provisions
CWU collaborated with related working units to discuss the
implementation of compliance with provisions, including matters that
must be fulfilled and implementation targets.
2. Compliance Review/Quality Assurance
The CWU conducted compliance reviews to ensure that the products, activities and policies issued by
Danamon and product programs by Subsidiaries were not in violation of all regulatory provisions. During
2025, the CWU conducted 239 reviews consisting 111 reviews in semester 1 of 2025 and 128 reviews in
semester 2 of 2025.
In addition, CWU also conducts the Compliance Regulatory & Self-Assessment (CRSA) as a mechanism
to assess the level of compliance of each working unit with the implementation of applicable regulations
on a self-assessment basis. The assessment is carried out by each working unit through the periodic
completion of questionnaires every semester. The results of the 2025 CRSA assessment indicate a rating
of “Acceptable, Improvement Is Needed,” which generally reflects that a culture of compliance has been
implemented across all levels of the Bank’s organization and business activities. Nevertheless, there remain
several aspects that require follow-up actions by the relevant working units.
3. Monitoring the Fulfillment of Prudential Principles
The CWU periodically monitored the fulfillment of Bank’s prudential principles in the form of main
regulatory parameters, namely the LLL ratio, GWM, NPL, NOP, Equity and CAR. Bank and its Subsidiaries
have properly met main regulatory parameters as part of the components in measuring compliance risk.
Monitoring Subsidiaries’ compliance function is part of the Implementation of the Integrated Compliance
Function.
COMPLIANCE WITH MAIN REGULATIONS 2025
Parameter Descriptions
Capital Adequacy Ratio (CAR) Comply
Minimum Statutory Reserve (GWM) Primary (IDR) Comply
Primary (USD) Comply
Macroprudential Intermediation Ratio (RIM) Comply
Secondary/Macroprudential Liquidity Buffer (PLM) Comply
Non-Performing Loan (NPL) Comply
382 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 385
Parameter Descriptions
Net Open Position (NOP) Comply
Legal Lending Limit (LLL) - Individual Comply
Legal Lending Limit (LLL) - Consolidation Comply
Investment Portfolio Comply
4. Compliance Risk Management COMPLIANCE WORKING UNIT HUMAN
Compliance risk management is carried out RESOURCES DEVELOPMENT
through the process of identifying, measuring, As of December 2025, The CWU had a total of
monitoring and controlling compliance risks 22 headcounts (including the Head of CWU) the
in accordance with the implementation of risk majority of whom had banking experience of more
management. The compliance risk management than 5 years with adequate capacity. Bank always
strategy is implemented through a 3 (three) line gives opportunities for CWU employees to increase
of defence scheme. The CWU analyses the their knowledge and competence that can help
Governance
Corporate
Bank’s compliance risks, both as individual and them with their duties. All CWU employees have
in consolidated manner, as well as integrated taken and earned Risk Management certifications
compliance risks. and Sharia Executive Overview Training to improve
competencies including in compliance with Sharia
The Compliance risk of the Bank and Subsidiaries Principles and attending training/workshops both
were well managed. This is reflected in the internal and external.
compliance risk profile that fell under 2 rating
(Inherent Risk at rating 2, or falling under Low to The following are the Bank’s strategic plans to mitigate
Moderate and the Quality of Risk Management compliance risks related to the implementation of the
Implementation was rating 2, or falling under compliance function during 2026:
Satisfactory). • Maintain awareness of the importance of
Compliance Culture through e.g. the application
The Bank has established a Personal Data of AML, CFT, and CPF to all employees in Head
Protection (PDP) Policy as part of the organization’s Office, Regional and Branch Office working units,
strategic commitment to ensure alignment with the including through socializing regulations and
principles and provisions of the PDP Law, taking developing e-learning, as well as maintaining a
into account that the formalization process of regulatory database.
implementing regulations and the establishment • Conduct continuous reviews of internal policies/
of the supervisory authority are still ongoing. regulations and work flows including system
enhancements (if necessary) to ensure that the
Bank consistently coordinates with the relevant provisions regulated and activities carried out by
working units to ensure compliance with Personal the Bank remain in compliance with regulatory
Data Protection requirements, particularly in provisions. In 2026, a review of 12 internal policies
relation to the exchange of personal data and the will be conducted.
fulfilment of personal data subjects’ rights. • Conduct socialization of new regulations issued
by authoritative bodies including Central Bank,
5. Commitment to Regulators FSA, and Financial Intelligence Unit (PPATK) by
The CWU periodically monitored and ensured the either blasting the regulations and their summaries
fulfillment of follow-up commitments related to via e-mail to Bank management, heads of related
the results of audit conducted by the regulators. business units, or by conducting face-to-face
During 2025, all audit result commitments meetings with relevant business units.
submitted by the Regulator were fulfilled and • Continuously strive to improve digital banking
not overdue. The CWU also served as a liaison services that provide convenience to customers
regarding compliance implementation for internal with priority placed on aspects of information
and external parties. security and consumer protection.
• Monitor the Bank’s commitment to fulfilling
6. The Implementation of the Functions of findings from the Authority and the Internal Audit
Integrated Compliance Working Unit Working Unit.
Is disclosed in the Integrated Corporate • Align several internal policies with reference to
Governance section of this Annual Report. MUFG Global Best Practices.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 383
Page 386
• Implementing the integrated Compliance Function f. Continue the Bank’s collaboration and
and integrated Corporate Governance of FSIs coordination with other member entities in
within the MUFG FC. the financial conglomeration, related to the
• Coordinating with relevant working units to fulfill alignment of the implementation AML, CFT,
personal data protection in terms of personal data and CPF.
exchange and fulfillment of personal data subject g. Participated in the Global Risk Assessment
rights. (GRA) with MUFG, which is a review of the
• Developing the competence and knowledge Bank’s inherent risk assessment, risk control
of human resources of the CWU by providing effectiveness, and residual risk assessment
opportunities to participate in training/workshops. on AML, Sanctions, and Anti-Bribery and
• Conduct regular quality assurance for certain Corruption (ABC) program topics globally.
work units to ensure that the Bank’s business The data presented is statistical and does not
activities in each business line have complied contain customer information.
with applicable regulations. h. Assessing the risk of money laundering,
• Aligning several internal policies in accordance terrorism financing and proliferation of
with the appointment of the Bank as an weapons of mass destruction that could
Governance
Corporate
Operational FHC which has been approved by the potentially occur in Bank based on a risk-
OJK effective as of June 24, 2025. based approach called Individual Risk
• With regards to the implementation of AML, CFT, Assessment (IRA), in accordance with POJK
and CFP the Bank will continuously improve its No. 8 Year 2023.
ability to implement AML, CFT, and CFP both i. Carry out Quality Assurance (QA) related
related to technology and non-technology, to FCC activities and conduct periodic
including: planning of the scope of QA implementation
a. Realizing the importance of Compliance (FCC QA Plan), in accordance with regulatory
Culture and increasing the knowledge and developments and related global standards.
awareness of Bank employees related to the j. On an ongoing basis, the Bank strives
implementation of AML, CFT, and CPF on to improve the ability of infrastructure
an ongoing basis, by conducting face-to- supporting the implementation of AML, CFT,
face and online training and or socialization and CPF, both related to technology, and
programs including e-learning. non-technology, namely:
b. Improve the competence of the Bank’s human 1. Continuing the enhancement stages of the
resources with opportunities to participate NICE‑Actimize application.
in training, webinars or socialization from 2. Improving the quality and coverage of
Regulators, associations, or other related the Bank’s customer screening and risk
entities related to AML, CFT, and CPF. assessment processes.
c. Periodically review the Bank’s internal 3. Continuously enhancing the customer
provisions related to AML, CFT, and CPF transaction monitoring system to improve
in accordance with developments and alert quality, including conducting periodic
changes in applicable regulations, including reviews of the parameters/scenarios used
adjustments to internal provisions consisting in the monitoring process.
of Policies, Operational Terms of Reference 4. Enhancing customer data quality
(KAO), Standard Operational Procedures through system development across
(SOP), and Memorandum. various customer channels, as well as
d. Conduct regular system development related strengthening monitoring and control
to the process of customer identification and processes over customer data quality.
verification as well as transaction monitoring. 5. Developing systems to support the
This is to improve the quality of alerts that are regulator’s planned implementation of a
adjusted to the latest developments, using new reporting system.
new technology, and conducting periodic 6. Assessing the use of advanced
reviews (i.e. process advanced analysis). technologies, such as Artificial Intelligence
e. Continue to collaborate and align with global (AI), to support the Bank’s processes in
standards with the Global Financial Crimes implementing the AML, CFT, and PPPSPM
Division (GFCD-MUFG), in relation to AML- programs.
Know Your Customer (KYC), and Sanctions
programs.
384 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 387
7. Improving the accuracy of customer DISCLOSURE OF ADMINISTRATIVE
screening and data updating processes SANCTIONS BY THE OJK
with the support of the Politically Exposed In 2025, there was no material administrative
Person (PEP) application from PPATK. sanctions that had an impact on the continuity of
8. Developing the escalation Enhanced Due the Bank’s business nor was there any on members
Diligence (EDD) form process to enhance of both the BOD and BOC of the Bank given by the
the effectiveness of EDD form completion Regulator.
and strengthen the monitoring of SLA
compliance for EDD form reviews.
k. Continuing the efforts to monitor and enhance
customer data quality on an ongoing basis,
both during the opening of new CIFs and
accounts, the updating of existing customer
data as part of the Bank’s annual commitment
to OJK, on an ad‑hoc basis as needed, as
well as through the Bank‑Wide Annual Data
Governance
Corporate
Cleansing Project aimed at improving existing
customer data and identifying solutions to
address the root causes of customer data
quality issues.
l. As part of the review process to assess the
effectiveness of the AML system parameters,
the Bank will explore the application of AI in
the implementation of suspicious financial
transaction alert analysis within the AML
system.
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Page 388
THE IMPLEMENTATION OF ANTI
MONEY LAUNDERING (AML),
COUNTER TERORISM FINANCING
(CTF), AND COUNTER
PROLIFERATION OF WEAPON OF
MASS DESTRUCT FINANCING
PROGRAMS (CPF)
Governance
Corporate
ORGANIZATION The BoC actively oversees the BOD in fulfilling its
To support the implementation of AML, CTF, and responsibilities towards implementing AML, CTF,
CPF, the BOD and BOC continuously provide full and CPF including all the commitments Danamon
commitment so that Danamon always complies with has made to the OJK, PPATK, and on law-abiding
the provisions of Financial Services Authority (OJK), reporting to regulators.
Financial Intelligence Unit (PPATK), and applicable
laws and regulations related to AML, CTF, and CPF. The implementation of the AML, CTF, and CPF at
Danamon is coordinated by the Financial Crime
Compliance (FCC) Division which reports directly
to the Compliance Director with the following
organizational structure:
Compliance Director
Financial Crime Compliance
Quality Assurance Regulatory
Transaction Advisory, Sanction &
& Business Reporting &
Monitoring Head Alert Handling Head
Alignment Head MIS Head
Danamon consistently strives to improve the quality of the implementation of the AML, CTF, and CPF,
through active Management oversight, policy improvement, training program as well as information system
improvement, and through other initiatives.
386 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 389
The AML, CTF, and CPF Program Implementation 2. Monitoring and Evaluation Process
Framework is described in the Three Lines of Defense a. Monitoring the Quality of Customer Data
concept as elaborated below: The quality and adequacy of customer data is
1. First Line of Defense continuously monitored using several methods
The first line of defense is the most important as joint effort of the First Line of Defense and
line of defense in preventing the crime of money the Second Line of Defense, as given below:
laundering, terrorist financing, and financing the 1. Monitored the quality of customer data
proliferation of weapons of mass destruction, includes mandatory KYC fields when
detecting the possibility of the referred crime, opening an account.
and identifying weaknesses and vulnerabilities 2. Updated Data as the Bank’s Commitment
in controlling the implementation of AML, CTF, to OJK. As of December 2025, as many as
and CPF. Danamon’s front liners are Business/ 41,729 CIF data had been updated (100%)
Operational/Control Units that run day-to-day of the predetermined target of 41,729 CIF.
operations. 3. Monitored customer risk levels through
2. Second Line of Defense the AML System using Customer Due
The second line of defense is carried out by Diligence (CDD) module to see if there
Governance
Corporate
the FCC Working Unit at the Head Office that is were significant changes in risk value
responsible and tasked with preparing applicable and when opening high risk-bearing new
methods and tools that the first line can use to accounts or PEP. As of December 2025,
carry out its duties and responsibilities, prepare as many as 42,430 (as of December 31,
adequate policies and procedures, systems and 2025), alerts had been monitored for which
training, and ensure that the first line of defense follow ups had been made with a request
has performed its function effectively. for corrections or adequacy of data/
3. Third Line of Defense information on incomplete/ insufficient
This function is carried out by Internal data.
Audit Working Unit (IAU) to ensure that the 4. Monitored the results of screening on new
implementation of the AML, CTF, and CPF in customers through the Watch List Filtering
the first line and second line of defense run (WLF) module in the AML System. This
effectively. is basically a screening process for the
opening of a new CIF against the Bank’s
IMPLEMENTATION OF THE AML, CTF, AND PEP and Negative List data, using the
CPF PROGRAM DURING 2025 World Check database (including OFAC)
and DTTOT - WMD Proliferation. As of
1. Evaluation of Policies and Procedures December 2025, as many as 14,000 (as of
a. To comply with the provisions of the OJK December 31, 2025), alerts on screening
and other provisions on the implementation result had been analyzed. There were
of AML, CTF, and CPF, the Bank has made 202 positive hit alerts with PEP data
improvements on this subject with the that required Branches or other related
issuance of 10 additional provisions. working units to make data correction or
adjustment, and another 2 alerts related to
b. Danamon has reviewed 97 (as of December negative news which had been followed up
31, 2025) draft policies and/or new products with further review and analysis and had
and application forms based on requests from been escalated to the relevant Regulator.
working units to ensure their suitability with 5. Conducted routine screening on all existing
the implementation of the AML, CTF, and CPF. CIFs as one of the methods to monitor
customers in order to ensure they were not
c. Published information about the PEP or fell under the Negative List (DTTOT,
implementation of the AML, CTF, and CPF on WMD Proliferation, Negative News and
Danamon official website provides information OFAC). From the results of this screening,
related to the Bank General Policy, US Patriot by the end of 2025, as many as 255,944
Act, Wolfsberg AML Questionnaire. CIF had been identified as CIF hits related
to e.g., PEP and Adverse news related to
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 387
Page 390
AML, CTF, CPF, and Sanctions, for which Transaction Reports (STR) submitted to PPATK
branches, and relevant working units has at each branch. The results of assessment
made data corrections or adjustments and serve as bases for determining branches to
taken necessary follow-up actions. be visited and as key factors in monitoring
6. The quality of customer data was also customer transactions.
continuously monitored as a follow-
up action on the customer transaction 3. Training and Socialization
monitoring process conducted by the Organized online and offline training program for
Transaction Monitoring Unit. As of new and existing employees, including the AML,
December 2025, as many as 313 CIFs had CTF, and CPF training for Danamon Bankers
been requested from branches to update Trainee, Danamon Bankers Officer, Refreshment
or adjust data so the referred branches procedures KYC and Sanctions for BSM,
can keep the most updated customer data/ Socialization to use ‘On Demand Search’ menu to
profiles. the Legal Litigation Division, Financial Institution
Team, and Consumer Lending Business Team,
b. Quality Assurance and monthly RTSH and ROSM meetings. As of
Governance
Corporate
In order to ensure the implementation of the December 2025, FCC organized 23 (twenty three)
AML, CTF, and CPF, FCC conducted Quality training sessions on AML, CTF, and CPF topics.
Assurance Process in working units in
coordination with the Head Office team and FCC created an AML, CTF, and CPF e-learning
the Branch Control Operational team. Branch refreshment and launched it in August 2025. All
inspections were then adjusted to the Branch employees required to take AML, CTF, and CPF
Control Visit Plan Schedule for the referred e-learning (Bank-Wide) as a mandatory training.
branches to assess awareness, effectiveness, As of December 2025, 100% of Danamon
and data quality on the implementation of the management and employees had completed
AML, CTF, and CPF against the governing e-learning (Employee cut off data as of September
provisions. 2025).
The implementation of Quality Assurance 4. Reporting
in 2025 was conducted in 12 (twelve) Danamon has carried out reporting activities as
high complexity branches in the Jakarta, determined by the Regulations. These reports are
West Java, East Java, and Sumatra areas. Suspicious Transaction Report (STR/LTKM), Cash
Periodically, FCC conducted inspections Transaction Report (CTR/LTKT), International
which included inspections on reporting to Funds Transfer Instruction reports (IFTI/LTKL),
regulators; customer transaction monitoring and the Integrated Service User Information
activities; transaction screening activities and System Report (SIPESAT). Furthermore, Danamon
screening for new customer acceptance, as has also given responses to requests for data
well as List Management activities. and information from external parties (PPATK,
OJK, Corruption Eradication Commission (KPK),
c. High Complexity Branches Central Bank (BI), Law Enforcement Agencies and
In order to evaluate AML, CTF, and CPF risks other third parties).
at each Danamon branch and to comply with
OJK regulations related to AML, CTF, and The following is the number of reports and
CPF, Danamon conducts an assessment to responses to requests for information from
identify branches with high complexity. This external parties that had been made up to
assessment is based on several factors, December 2025:
including the number of customers, the
number of high-risk customers, and the
volume of transactions reported as Cash
Transaction Reports (CTR) and International
Fund Transfer Reports (IFTI),and also the
number of customers reported as Suspicious
388 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 391
Total Reporting 2025
Response to External
STR IFTI CTR SIPESAT
Party Letter
3,241 126,111 43,861 257,749 1,164
5. Management Information System 6. Auditing
Danamon has enhanced its transaction and At the end of October 2025, the examination
customer profile monitoring and screening of AML, CFT, CPF by the Internal Audit
application (AML System) to strengthen control Working Unit (IAU) was ongoing until
and effectiveness in identifying suspicious mid of December 2025. The audit period covers
financial transactions through regularly October 1, 2024 to September 30, 2025. The
updated parameters, as well as improving the audit process is currently in the fieldwork stage,
Customer Due Diligence (CDD) process. These which is expected to conclude by mid of January
enhancements include: 2026. The final audit report will be distributed in
• Enhancement of screening effectiveness by the end of January 2026.
handling titles (TAQ) information in customer
Governance
Corporate
names.
• Enhancement of rules / parameters to monitor
remittances transactions.
• Enhancement of customer and beneficial
owner (BO) risk rating calculation.
Furthermore, Danamon also improved the
reporting application to PPATK (GoAML), with the
aim of improving control, accuracy and adequacy
of information in transaction reports submitted to
PPATK. These improvements included:
• Enhancement to process the late deposit
transactions data for reporting.
• Enhancement of reporting process on API
Remittances with correspondent bank.
• Enhancement of data processing and report
generation to produce CTR & IFTI.
Beyond enhancements to the AML system and
GoAML, Danamon has adopted an OCR solution
to support the DTTOT data extraction, as within
the list management process.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 389
Page 392
INTERNAL AUDIT
WORKING UNIT (IAU)
STRUCTURE AND POSITION OF IAU In accordance with the Integrated Internal Audit
Internal Audit Working Unit at PT Bank Danamon Charter that has been approved by the President
Indonesia Tbk (Danamon) is a member of Integrated Director and BOC, IIAU has access to all Danamon’s
Internal Audit Working Unit (IIAU) of MUFG Financial and Financial Conglomerate members’ activities,
Conglomerate, which Danamon as Financial Holding functions, data, records, property, and personnel by
Company (FHC). IIAU Danamon is an independent complying with the prevailing laws and regulations,
function directly responsible to the President profession confidentiality, and personal rights, and
Director. To support independency and monitoring ensure the application of the anti-tipping off principle
of the implementation of internal audit programs, in auditing Anti-Money Laundering (AML) and
the Chief Integrated Internal Auditor (Head of Countering Financing of Terrorism (CFT).
Governance
Corporate
IIAU) is also directly responsible to the Board of
Commissioners (BOC) through the Audit Committee. IIAU reports audit activities and significant audit
IIAU aims to provide independent and objective findings including recommendations for corrective
views in conducting assurance activities and action that have been submitted to the related units,
providing consultation services to the BoC and Board to the President Director, BOC via Audit Committee,
of Directors (BOD), as part of continuous control Compliance Director, Risk Management Director, and
process and risk management within the Company. Sharia Supervisory Board (SSB).
IIAU aims to be a business partner that provides added In addition to complying with the Danamon’s Code
value in fostering a robust control culture to support of Conduct, IIAU is also guided by the Integrated
Danamon and its Financial Conglomerate members Internal Audit Charter and Auditor’s Code of Conduct,
to achieve their long-term goals by referring to Global which regulate the establishment and function of
Internal Audit Standards from The Institute of Internal Integrated Internal Audit Working Unit (IIAU) and
Auditors (IIA), Central Bank (BI) regulation, Financial include auditor’s professional standard as defined
Services Authority (OJK) regulation, and Company’s in Global Internal Audit Standards by The Institute of
Code of Conduct. IIAU assists the management in Internal Auditors (covering the principle of integrity,
accomplishing its objective by bringing a systematic objectivity, confidentiality, due professional care, and
and disciplined approach to evaluate and improve competency.
the effectiveness of risk management, control, and
corporate governance processes.
IIAU ORGANIZATION STRUCTURE
President Director Audit Committee
Chief Internal Auditor
Yenny Linardi
Audit & Fraud
Product & IT Audit & Branches Fraud Investigation
Credit Audit
Support Audit Analytics Audit Investigation Strategic
Group Head
Group Head* Group Head Group Head Head Development
Group Head
* covering Treasury & Operations Audit
390 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 393
Appointment, Dismissal, and Legal Basis for by The Institute of Internal Audit (IIA) and the
Appointment of Head of IIAU internal auditor code of ethics and the applicable
The Head of IIAU is appointed and dismissed by the organizational code of conducts.
President Director with the approval from the BOC. c. Develop and implement a strategy for the
The appointment and dismissal of the Head of IIAU internal audit function that supports the strategic
should be reported to OJK along with by the reasons objectives and success of the organization and
for appointment/dismissal. aligns with the expectations of the President
Director, BOC, and other stakeholders. Other
Since August 12, 2019, IIAU has been led by Yenny than that, develop an annual audit plan, budget
Linardi as Chief Internal Auditor (Head of IIAU) and resources needed using an appropriate risk-
replacing Nathan Tanuwidjaja as an acting Head based methodology.
of IIAU, based on appointment letter No. B.194/ d. Implement the approved annual audit plan,
HCKP/0819 and this appointment has been reported including special tasks or projects requested by
to OJK based on Director Letter No. B.748 – DIR dated Management and the BOC via Audit Committee.
August 15, 2019 regarding Report on Dismissal of the e. Maintain adequate human resources with
Acting Head of IIAU and Appointment of the Head of sufficient knowledge, skills, experience, and
Governance
Corporate
IIAU in PT Bank Danamon Indonesia Tbk (Company). professional certifications to carry out the audit
requirements.
Head of IIAU Profile f. Report to Indonesia’s OJK refer to applicable
regulation and policy.
g. The Chief of IIAU communicates with the
Indonesia OJK at least once in 1 (one) year.
h. Convey compliance of sharia principles to SSB,
President Director and BOC, and appoint at least
one (1) Integrated Internal Audit Unit (IIAU) member
who has knowledge and/or understanding of
sharia banking operations.
i. Inform the results of internal audit services, in
accordance with the annual plan and inform
the status of corrective actions on the audit
recommendations to the President Director
and BOC via Audit Committee and Compliance
Director, on monthly basis Risk Management
Yenny Linardi Director, including to SSB.
Head of IIAU j. Establish a follow up process to monitor and
ensure that management actions have been
Obtained Bachelor’s degree in Economics from effectively and efficiently implemented, or that
Trisakti University, Jakarta. Joined Danamon as Senior Management have accepted the risk not
Chief Internal Auditor since August 2019. Previously, yet mitigated.
she worked at DBS Bank for almost 11 years as k. Perform the investigation of suspected fraudulent
Chief Internal Auditor. She had worked at Danamon activities within the Bank include coordinating
in 2004-2008 with the last position as Head of investigation with other units.
Branches Audit and previously at BCA (1989 – 2004) l. Report the results of significant and widely impact
with the last position as Head of Analytical Review, investigation to Management and BOC via Audit
Head Office Audit. Committee.
m. Develop, implement, and maintain a quality
Duties and Responsibilities of IIAU assurance and improvement program (QAIP)
IIAU has duties and responsibilities, among others: covering all aspects of the internal audit function,
a. To assist the President Director and the BOC conducted both internally and externally.
in their supervisory tasks by providing an n. Determine or provide advice regarding the
elaboration of the operational aspects of audit internal audit implementation strategy and annual
planning, implementation, and monitoring of the audit plan of the Conglomeration Members
audit results. by considering the size, characteristics and
b. Perform the internal audit functions in accordance complexity of the Conglomeration Members.
with provisions of applicable laws and regulation
and internal audit professional standards issued
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 391
Page 394
o. Formulate audit principles or provide advice 5. Continuous enhancement on IAU Data Analytics
regarding that include audit methodology and (including coordinate with related unit for
quality control implementation steps, as well as development of machine learning capabilities to
monitor and review the implementation of internal identify emerging risk) to improve audit quality
audits at the Conglomeration Members. and efficiency, continuous implementation of
p. Submit integrated internal audit reports agile audit approach to improve audit process
periodically to the president director, BOC via the becoming more nimble and iterative, and fasten
Audit Committee and the Compliance Director. audit report turn-around-time.
q. Conduct regular meetings with Conglomeration 6. Leveraging the Microsoft Copilot (Artificial
Members Internal Audit to coordinate audit Intelligence/AI) application for Danamon’s internal
activities such as audit planning, audit results, needs to support more efficient Enterprise
status of corrective actions and others. Banking audit activities, particularly those related
to financial statement analysis.
Duties and responsibilities are regulated in the 7. Continue project life cycle review engagement
Integrated Internal Audit Charter and Policy of Internal for several main projects plan such as Treasury
Audit Bank Danamon, and stated in the Integrated system replacement and Digital Banking
Governance
Corporate
Governance Implementation Assessment Report. development with the purpose to identify and
mitigate emerging issues (before a product or
Internal Audit Priorities in 2025 system is launched).
IIAU has conducted the following activities to 8. Align audit coverage and methodology with MUFG;
strengthen internal audit functions in 2025: implementation of dual rating approach that
1. Continuous monitoring on High and Moderate segregate current rating into control effectiveness
to High Risk Entities and also with extensive and management control awareness (MCA)
branch network, i.e. SME (including strategy of perspective; and continue alignment in the areas
increasing quantity & quality of credit distribution of Sarbanes-Oxley Act (SOX), Financial Reporting
in UMKM segment) and Enterprise Banking (EB), Group, and Volcker Rules.
Digital Banking, Cyber Security, Branch Network, 9. Continue to perform its role as FHC in MUFG
and Adira Finance Head Office. Financial Conglomerate. IIAU Meetings were
2. Enhancement on Enterprise Banking (EB) audit to conducted on July 31, 2025 and October 31,2025,
align with bank strategy, i.e. continuously align EB and for discussion of quarter IV 2025 will be
credit review process with MUFG methodology, conducted on January 30, 2026 (IAU Danamon
performing EB portfolio quarterly monitoring, and all of Financial Conglomerate members).
and improving capability of EB Credit audit staff 10. Continue to increase auditor competency through
through trainings according to the needs. trainings, knowledge on latest regulation(s),
3. Focus on reviewing emerging risks and risk product, and procedures, as well as risk
associated to new/developing bank initiatives and management and audit process and professional
process, e.g. IT & Cyber Security, Sales Practice, certification. IIAU has also conducted sharing
E-Channel business initiatives, Financial Crime session on data analytics and cyber security audit
Compliance (including Know Your Customer/KYC program in order to improve auditor competency
monitoring), Anti-Money Laundering/AML system in MUFG Financial Conglomerate.
parameter for online gambling, and Sustainability
Finance (focus on Environmental, Social, and
Governance/ESG).
4. Continuous focus on regulatory requirement
audits/mandatory audits, including thematic audit
periodically related Personal Data Protection,
Integrity of Bank Financial Reporting and Internal
Capital Adequacy Assessment Process (ICAAP)
(including concentration risk and stress test on
credit, market & liquidity risk).
392 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 395
Audit Plan and Realization as of December 31, 2025
In 2025, IIAU has conducted the following internal audit engagements:
1. IAU Danamon has conducted audit in 152 entities in Danamon:
Audit Plan & Realization as of December 31, 2025
Danamon 2025 Audit Plan 2025 Audit Realization
Head Office Audit 28 28a)
Regional Office Audit 12 12
Branches Audit 112 112b)
Total Audit 152 152a)
a) Not Including consultative reviews
b) Including 6 Branch Cluster entities which consist of 25 low risk branches/objects
2. Internal audit activities in ADMF were performed by the Internal Audit unit of ADMF, or jointly with IAU
Danamon.
Governance
Corporate
Audit Plan & Realization as of December 31, 2025
ADMF 2025 Audit Plan 2025 Audit Realization
Head Office Audit 8 9a)
Regional Office Audit 19 20a)
Branches Audit 154 154
Total Audit 181 183a)
a) The difference between audit realization and audit plan is due to additional 1 audit entity i.e. Sentra HCGA Jabo, and 2 unplanned entities HO i.e. Financial
Literacy and SIPELAKU (regulatory audit). Offset with 1 ADMF HO entity was postponed as per user requested, i.e Disaster Recovery Center
Internal audit activities in ADMF – Harmony Integration/HI (ex Mandala Multifinance/ MFIN) were performed
individually by the Internal Audit Unit of MFIN or jointly with Internal Audit Unit ADMF.
As of December 31, 2025, Internal Audit Unit MFIN and ADMF have conducted audit on 117 entities (84% of 2025
audit plan). This is due to employee turnover in Internal Audit Unit of MFIN.
Development of Human Resources
As of December 2025, the total number of personnel of IAU Danamon was 122 personnel residing in the
head office and regional audit office in Jakarta and Surabaya. Moreover, the Internal Audit Unit of ADMF had
90 personnel.
To maintain the standardization of human resource quality, IAU together with the Human Capital Development
Division has developed a competency matrix, which is a roadmap for every auditor and team leader to participate
in the trainings and certifications to meet the required competencies at every level.
As of December 31, 2025, the following professional certifications have been obtained by IIAU staff
International Certification # Person
Certified Internal Auditor (CIA) 7
Certified Fraud Examiner (CFE) 1
Certified Ethical Hacker (CEH) 2
Certified Information System Auditor (CISA) 5
Certified Information System Manager (CISM) 1
Certified in Risk and Information Systems Control (CRISC) 1
Certified Anti-Money Laundering Specialist (CAMS) 1
Certified in Risk Management Assurance (CRMA) 1
Commercial Loans to Business (CLB) 17
Financial Accounting for Lenders (FAL) 22
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 393
Page 396
International Certification # Person
Minimizing Problem Loans (MPL) 1
Certified Anti-Fraud Manager (CAFM) 3
Certified Professional Management Accountant (CPMA) 1
Chartered Accountant (CA) 1
Certified ISO 27001:2013 Lead Auditor 1
Certified ISO 27001:2022 Lead Auditor 11
Certified ISO 27001:2022 Lead Implementer 2
Certified ISO 20001-1: 2018 Internal Auditor 3
Certified COBIT 2019 Foundation 1
Certified COBIT 5 Foundation 1
Certified in Cybersecurity 2
ISO/IEC 27001 Information Security Associate Issued 1
Governance, Risk and Compliance Professional (GRCP) 1
Governance
Corporate
Governance Risk Compliance Auditor (GRCA) 1
Data Privacy Solutions Engineer (CDPSE) 1
IBM Certified Advanced Database Administrator 1
IBM Certified System Administrator - WebSphere Application Server Network Development V.8.5.5 1
National Certification # Person
Qualified Internal Auditor (QIA) 36
Risk Management Certification (SMR), Level 4 2
Risk Management Certification (SMR), Level 5 20
Risk Management Certification (SMR), Level 6 1
Bank Internal Audit Certification – Auditor level 4
Bank Internal Audit Certification – Supervisor level 1
Banking Compliance Certification, Level 1 1
A to Z Sharia Banking 7
Islamic Banking: Funding & Financing 1
Basic Financing Management Certification by Lembaga Sertifikasi Profesi Pembiayaan Indonesia (SPPI) 7
2025 TRAINING AND WORKSHOP
Person
No IIAU YTD December 31, 2025 #Training & Workshop Mandays
1 IAU Danamon 122 staff 108 6 days
2 Internal Audit Unit ADMF 90 staff 125 13 days
394 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 397
COMPANY ACCOUNTANT/
EXTERNAL AUDITOR
Appointment of Company Accountant a. Independency of AP, KAP, and KAP’s human
The Danamon AGMS held on March 21, 2025 resources;
approved the appointment of Elisabeth Imelda as b. Audit scope;
a Public Accountant (AP) and Public Accounting c. Audit Fee;
Firm (KAP) Liana Ramon Xenia & Rekan (member of d. Expertise and experience of AP, KAP, and KAP’s
Deloitte Southeast Asia Limited) as a KAP registered Audit Team;
within the Ministry of Finance and Financial Services e. Audit methodology, techniques and tools used by
Authority (OJK) (as regulated in the Regulation of the KAP;
Minister of Finance Number 186/PMK.01/2021 and f. Benefits of fresh eye perspectives obtained
the OJK Regulation Number 9 Year 2023) and also through the replacement of several of KAP’s Audit
Governance
Corporate
registered within the Indonesian Institute of Public Team members;
Accountants (IAPI) to do the audit on Danamon’s g. Potential risks that might arise from using audit
consolidated financial statements for the 2025 services by the same firm consecutively over a
financial year. Pertaining to the appointment, the fairly long period of time;
Bank had considered the recommendations from the h. Recommendation for improvement provided by
Audit Committee to determine the audit fee and other AP and KAP.
prerequisites.
Other Services Than Financial Audit
The appointment of AP and/or KAP who provided During 2025, the appointed KAP Network also
audit services for annual historical financial provided other services than audit to Company and
information had been decided by the General Subsidiary amounted to Rp1,689 million.
Meeting of Shareholders after due consideration on
the opinions of the Board of Commissioners (BOC). Audit Period and Accountant Fee
The appointment of AP and/or KAP as proposed by The following table gives the list of AP and/or KAP
the BOC had also considered recommendations from that provided financial audit services and fees
the Audit Committee, who during the preparations rewarded to them:
took into account:
Fiscal Name of Accountant
Public Accounting Firm Audit Fee*)
Year (Individual)
2025 Liana Ramon Xenia & Partners Elisabeth Imelda IDR7.630 billion
(a member firm of Deloitte Southeast Asia Limited)
2024 Liana Ramon Xenia & Partners Elisabeth Imelda IDR5.950 billion
(a member firm of Deloitte Touche Tohmatsu Limited)
2023 Imelda & Partners Elisabeth Imelda IDR5.950 billion
(a member firm of Deloitte Touche Tohmatsu Limited)
2022 Imelda & Partners Elisabeth Imelda IDR5.730 billion
(a member firm of Deloitte Touche Tohmatsu Limited)
2021 Imelda & Partners Elisabeth Imelda IDR4.730 billion
(a member firm of Deloitte Touche Tohmatsu Limited)
*) include Subsidiary’s audit fee
External Audit Implementation Effectiveness
The Audit Committee has reviewed the effectiveness of the audit work, including ensuring its conformity to
the applicable audit provisions, professional standards, work agreements scope, and independency. The Audit
Committee periodically holds meetings with AP and/or KAP to discuss progress made in the audit work and
how audit matters were being examined.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 395
Page 398
Audits carried out by a AP and/or KAP on Danamon’s Relations Between Bank, Public Accountants, and
consolidated financial statements have been carried Financial Services Authority
out independently, professionally and objectively, as As the audited, Danamon openly provides data
elaborated below: and information that the AP and/or KAP may need
a. All material accounts have been audited based in conducting the audit. Auditors (AP and/or KAP)
on applicable Professional Standards for Public independently do examinations and give suggestions
Accountants and compliance with applicable and recommendations for improvements to
Accounting Standards in Indonesia. Danamon’s Management for immediate follow-ups.
b. The audited consolidated financial statements
have been delivered to Management with The Bank has communicated and cooperated with
attached recommendations (if any). external auditors on issues on accounting policies
pertaining to fair presentation of financial statements.
Evaluations on annual historical financial information The audit results have been communicated by AP
are made by the Audit Committee for AP and/or KAP and/or KAP to Management, the Audit Committee
through the following: and the OJK.
1. The conformity of audit by AP and/or KAP’s to all
Governance
Corporate
applicable audit standards;
2. The adequacy of time for field work;
3. Review of the scope of services rendered and the
adequacy of samples used; and
4. Recommendations for improvement suggested
by the AP and/or KAP.
396 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 399
RISK MANAGEMENT
Danamon continuously improves risk management SUPERVISION OF BOARD OF
implementation within the Bank and its Subsidiaries COMMISSIONERS AND BOARD OF
to be in line with regulation development, risk DIRECTORS
and business complexity. Risk management The Board of Commissioners (BOC) and Board of
implementation is intended to identify, measure, Directors (BOD) actively supervise the implementation
monitor and control various potential risks in all lines of risk management through the committees:
of business and supporting units. a. Risk Oversight Committee
With the highest authority at the BOC level.
IMPLEMENTATION OF RISK MANAGEMENT The Risk Oversight Committee is responsible
The approach taken to in supporting the effective for carrying out oversight function and provide
implementation of risk management is to carry out recommendations based on independent
a holistic approach to manage Danamon’s risks in professional opinions to the BOC regarding the
Governance
Corporate
a comprehensive manner that includes 4 pillars, framework and risk management policies that
namely: are consistent with the Bank’s risk appetite.
a. Active supervision of the Board of Commissioners, Additionally, the Risk Oversight Committee
Board of Directors, and Sharia Supervisory Board conducts monitoring and evaluate the
(SSB); implementation of tasks of Risk Management
b. Adequacy of risk management policies and Committee and Risk Management Working
procedures, as well as risk limit setup; Unit in the implementation risk management,
c. Adequacy of risk identification, measurement, as well as provides independent professional
monitoring, and control of risk management, as opinion to BOC and recommendation to the
well as the risk management information system; BOD for considerations in strengthening the risk
d. Internal control system. management framework.
b. Risk Management Committee
This is in line with practices in the Banking industry At the BOD level and responsible for evaluating
and in accordance with the applicable Financial and providing recommendations to the
Services Authority regulations (POJK). President Director related to the Bank’s risk
management, including the risk management
Danamon has a Risk Management function that is of the Sharia Business Unit and the fulfillment
centralized and independent from Risk Taking Unit of Sharia principles in accordance with the
(RTU). The Risk Management function includes recommendations of the SSB.
the management of the main inherent risks in
the Danamon’s and Subsidiaries’ activities. The Risk Management Committee oversees 3 (three)
implementation of the risk management function Sub-Committees as follows:
is carried out by Risk Management Directorate, • Sustainability Sub-Committee
which responsible to the Risk Management Director. The main role of Sustainability Sub-Committee
Danamon and Subsidiaries, both individually and is to monitor the implementation of Sustainable
consolidated, have applied Risk Management Finance. The Chairman of the Sustainability
consistently to manage risk exposures in their Sub-Committee is the Sharia & Sustainability
business activities. Specific discussion on the Finance Director. The members consist of several
implementation of risk management is disclosed in Directors and appointed executive officers.
the chapter Operational Review with Sub chapter
Risk Management in this Annual Report.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 397
Page 400
• Information Disclosure Sub-Committee reporting process according to POJK No. 15
Information Disclosure Sub-Committee is Year 2024. ICoFR Sub-Committee is responsible
established in order to comply with MUFG Bank for preventing fraud or manipulation in Bank’s
requirement to ensure that the Sub-Committee financial information and financial statements.
has reviewed, deliberated and concluded the The Chairman of ICoFR Sub-Committee is Risk
accuracy and appropriateness of financial Management Director, with Compliance Director
reporting. In addition, the sub-committee need to as the Alternate Chairman. Other members
ensure that the framework for internal control over consist of appointed officers.
financial reporting has been properly designed
and enhanced. The Chairman of the Information Moreover, a full explanation of Risk Management
Disclosure Sub-Committee is the Chief Finance Implementation including Sharia-related risk
Officer. The Permanent Members are several management is available in the chapter Operational
appointed Directors and officers. Review with Sub chapter Risk Management of this
• Internal Control Over Financial Reporting (ICoFR) Annual Report.
Sub-Committee
ICoFR Sub-Committee is established to fulfill
Governance
Corporate
Bank’s requirement regarding the implementation
of governance and internal control over financial
398 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 401
PROVISION OF FUNDS TO
RELATED PARTIES AND LARGE
EXPOSURES
Total
No. Provision of Funds
Debtor Nominal (in IDR Million)
1 Related Parties 75 Debtor IDR2,017,864.37
2 Core Debtors: 7 Group IDR39,543,815.08
Group
Governance
Corporate
Danamon applies the prudential principle in provision of funds at a minimum by implementing the portfolio
distribution or diversification of the provision of funds, including setting limits of provision of funds and large
exposure to certain parties and/or business groups.
Danamon limits the concentration of loans to individuals, groups or industry sectors to reduce concentration
risk to certain parties which is one of the causes of Bank business failure. Provision of funds to Related
Parties and Subsidiaries is carried out at arm’s length and in accordance with applicable regulations and must
obtain Compliance Review Results (HKK) from the Compliance Working Unit and approval from the Board of
Commissioners.
During 2025, there were no violations or excess of Legal Lending Limit (LLL) to Related Parties, Non-Related
Parties both Individuals and Borrower Groups and State-Owned Enterprise.
The calculation of LLL refers to Financial Services Authority Regulation (POJK) No.32/POJK.03/2018
concerning Legal Lending Limit and Provision of Large Funds for Commercial Banks, POJK No.38/POJK.03/2019
concerning Amendments to POJK No.32/POJK.03/2018 concerning Legal Lending Limit and Provision of
Large Funds for Commercial Banks, and POJK No.26/POJK.03/2021 regarding the Legal Financing Limit and
Large Funds for Islamic Banks.
The implementation of Risk Management is described in full in the chapter Operational Review with
Sub chapter Management of this Annual Report.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 399
Page 402
INTERNAL CONTROL SYSTEM
Internal Control is an integrated methodology, policy, procedure, and organizational setting that aimed to
identify, measure, monitor, and control risks arise from Danamon’s and Subsidiaries’ activities with a risk-
based approach. Danamon’s and Subsidiaries’ internal control is conducted covering all aspects of business
both from the Assets and Liabilities sides.
Risk Management and Internal Control framework in Danamon adopts Three Lines of Defense approach as
shown in diagram below:
Board of Commissioners Supervision
Board of Directors Supervision
First Line of Defense Second Line of Defense Third Line of Defense
Line of business, operational working The Risk Management Directorate and The Internal Audit Working Unit (IAU)
units and other supporting working Compliance Working Unit have the role independently has a role in evaluating
Governance
Corporate
units responsible for day-to-day risk of independently monitoring risk and the implementation of risk management,
management in each working unit. compliance. internal control and governance carried out
by the First and Second Lines of Defense.
Financial and Operational Control, and Compliance with Laws and Other Regulations
Danamon implements an internal control system consisting of two aspects, namely financial control and
operational control, which include compliance with laws and regulations as well as applicable best-practice
guidelines.
All lines of defense should be responsible for the internal control management of each respective working
unit in Danamon and Subsidiaries. Furthermore, in the first line of defense (business unit/supporting function)
has been established Quality Assurance function to evaluate the implementation of internal control by
the unit.
Assessment to each working unit have been carried out periodically. The implementation of quality assurance
is regulated in the procedure (SOP) based on Danamon’s Quality Assurance Policy/Framework. Awareness
program on internal control in working units has been routinely carried out by the Quality Assurance function.
In principle, internal control is not only the task of the Quality Assurance function, but it is the duties and
responsibilities of the entire working unit in Danamon.
Evaluation of Effectiveness Level on Internal Control System
The Internal Audit Working Unit (IAU) which is part of Internal Control System conducts audits to ensure the
effectiveness of Danamon’s internal control, through an independent and objective evaluation of the adequacy
and effectiveness of risk management, control and governance. The result of evaluation over implementation
of internal control system is one of the references for management to determine the effectiveness of the
internal control system implementation and perform improvements, among others, in the form of updating
policies/ procedures/ systems.
Statement of the Board of Directors And/Or Board of Commissioners on the Adequacy of the Internal
Control System
Throughout 2025, the Board of Directors and the Board of Commissioners reaffirmed that Danamon has an
effective and adequate internal control system for managing the risks faced by the Bank. The risks remain
within the set tolerance limits (risk appetite) to support the achievement of the Bank’s objectives, which are
reflected in effective and efficient operations, the accurate and reliable presentation of financial statements,
the safeguarding of the Bank’s assets, and compliance with applicable laws and regulations.
400 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 403
LEGAL ISSUES AND SIGNIFICANT
CASES FACES BY THE COMPANY,
ITS SUBSIDIARIES, MEMBERS
OF THE BOARD OF DIRECTORS,
AND/OR COMMISSIONERS
Governance
Corporate
Legal issues covered civil and criminal cases faced by the Company (Danamon) and its Subsidiary (Adira
Dinamika Multi Finance - ADMF) during the reporting year and have been submitted for the court process.
LEGAL CASES INVOLVING DANAMON
Number of Cases
No. Legal Cases Impact on the Condition of Danamon
Civil Criminal
1 Valid and binding 142 15 None
2 In settlement process 112 10 None
Total 254 25
Note:
Legal cases (civil and criminal) faced by the Company for the period of annual report which have been filed to the court or escalated into police investigation
stage. Recapitulation of total cases during 2025 based on data as of December 2025.
LEGAL ISSUES INVOLVING THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS MEMBERS
OF DANAMON
Legal Issues Faced by Members of the Number of Cases
No. Board of Commissioners and Directors of Impact on the Condition of Danamon
Civil Criminal
Danamon
1 Valid and binding - - None
2 In settlement process - - None
Total - -
LEGAL ISSUES INVOLVING SUBSIDIARY (ADMF)
Legal issues Involving Number of Cases
No. Impacts on the Condition of ADMF
ADMF Civil Criminal
1 Valid and binding 78 - None
2 In settlement process 47 - None
Total 125 -
LEGAL ISSUES INVOLVING THE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS MEMBERS
OF ADMF
Legal Issues Faced by Members of the Number of Cases
No. Board of Commissioners and Directors of Impact on the Condition of ADMF
Civil Criminal
ADMF
1 Valid and binding - - None
2 In settlement process - - None
Total - -
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 401
Page 404
SIGNIFICANT CASES
AGAINST DANAMON
The important cases faced by Danamon in 2025 are Case No. 145/Pdt.G/2025/PN.Jkt.Sel
as follows: The Plaintiff is a Danamon debtor who demands
the annulment of the credit agreement and security
Case No. 795/Pdt.G/2025/PN.Jkt.Sel agreement signed by the debtor and Danamon.
The Plaintiff is a personal guarantor for the The Plaintiff demands material damages of
obligations of a Danamon debtor. The Plaintiff Rp50,000,000,000 and immaterial damages of
demands the annulment of the deed of personal Rp10,000,000,000.
guarantee agreement and compensation amounting
Governance
Corporate
to Rp20,000,000. The case was decided by the South Jakarta District
Court, where the lawsuit was declared inadmissible
Previously, the Plaintiff filed a civil lawsuit at the West by the Panel of Judges.
Jakarta District Court. The lawsuit was declared
inadmissible by the Panel of Judges. The Plaintiff then filed an appeal with the Jakarta
High Court, which upheld the decision of the South
The Plaintiff then filed a lawsuit at the South Jakarta Jakarta District Court.
District Court, and as of the end of December 2025,
the case was still under examination The Plaintiff filed a cassation appeal with the
Supreme Court. As of the end of December 2025, the
Case No. 919/Pdt.G/2024/PN.Sby case was still under examination.
The Plaintiffs are debtors and guarantors under
a credit agreement provided by Danamon. The
Plaintiffs objected to the amount of debt stated by
Danamon and the execution process initiated by
Danamon. They demand compensation amounting to
Rp178,998,787,658.30.
The case had been decided by the Surabaya District
Court, where the lawsuit was declared inadmissible
by the Panel of Judges.
The Plaintiffs then filed an appeal with the Surabaya
High Court, which upheld the decision of the
Surabaya District Court.
The Plaintiffs filed a cassation appeal with the
Supreme Court. As of the end of December 2025, the
case was still under examination.
402 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 405
INTEGRITY OF REPORTING AND
INFORMATION TECHNOLOGY
SYSTEMS
Danamon has an integrity-driven financial reporting measurement, monitoring, and control of various
process to ensure the truthfulness, accuracy, and IT risk exposures, including cyber security
transparency of the financial information and reports risk, operational resilience, and regulatory
produced, in accordance with the OJK regulations compliance risk. In order to build cyber resilience,
on the integrity of banks’ financial reporting. mitigation measures and control mechanisms are
Furthermore, the Controlling Shareholder, members continuously and consistently strengthened.
of the BOD, members of the BOC, members of the The IT risk profile is reported periodically and in a
SSB, Executive Officers, and affiliated parties are structured manner to Management, the BOC, and
Governance
Corporate
committed to maintaining the integrity of financial Regulators. This reporting ensures transparency
reporting by avoiding any actions that may cause and serves as a basis for informed strategic
financial information and/or reports to fail to reflect decision-making.
the Bank’s actual condition. This includes, but is • Cyber Resilience and Security
not limited to, manipulation of the Bank’s financial Danamon is committed to consistently providing
information and/or reports, non-compliance with secure services to customers by enhancing its
applicable financial accounting standards, and non- core cyber security capabilities through the use
compliance with prevailing laws and regulations. of industry‑standard tools and by establishing
a stronger governance framework. The IT
Danamon prepares and publishes financial and Cyber security Division under the Information
non-financial reports that are accurate, timely, and Technology and Digital Directorate independently
reliable, and that comply with generally accepted sets and monitors cyber security standards,
reporting standards, to promote transparency for all separate from the IT management function.
Stakeholders. The Information Risk Management Division
under the Risk Management Directorate
In the implementation of information technology, develops information technology and cyber
the Bank is guided by the OJK Regulation on the risk management policies, the Operational Risk
implementation of information technology by Management Division develops policies for
Danamon, including through the following measures: operational risk, and the Compliance Division
• Implementation of Information Technology oversees compliance with regulatory requirements
Governance related to data security. Furthermore, the
The Bank has implemented a comprehensive Internal Audit Unit (IAU) conducts independent
Information Technology (IT) governance assessments of the implementation of regulations
framework to ensure strategic alignment related to data security.
between IT initiatives and business objectives. • IT Architecture and System Life Cycle Controls
This framework includes the definition of The Bank establishes an IT architecture
roles and accountabilities across various IT and implements controls over the planning
working units, documented decision making process, business process design and
processes, and ongoing supervision throughout information technology architecture, oversight
the entire information system life cycle ranging of development, testing, implementation, and
from strategic planning, development, and control of information systems in a well‑managed
implementation to performance monitoring. This manner. This is carried out by involving all relevant
implementation is designed to optimize the value stakeholders and by taking into account the Bank’s
of IT investments, foster innovation, and ensure business complexity and risk profile, in order
reliable technological support for the Bank’s to maintain system consistency, reliability, and
operational continuity and business growth. security, as well as to support the effectiveness
• Information Technology Risk Management of internal controls and data integrity in business
The Bank fully integrates IT risk management processes and reporting.
into the enterprise wide risk management
framework through processes of identification,
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 403
Page 406
TRANSPARENCY OF BANK’S
FINANCIAL AND
NON-FINANCIAL CONDITION
Access to company information and data in the form of financial and non-financial condition is regularly
disclosed through mass media, public expose and through analyst briefing forums and websites. Reports
on financial and nonfinancial condition are prepared and submitted to regulators and other institutions in
accordance with applicable regulations. Reports on financial condition include Quarterly Published Reports,
Published Financial Reports, Annual Reports and non-financial reports include Good Corporate Governance
report, information on Products/ Services, Branch Networks and other non-financial information.
Governance
Corporate
The following are the reports and information that have been disclosed and accessible via Danamon website
www. danamon.co.id:
Type of Information Publication Content
Financial Information
Monthly Report Monthly Summary of monthly financial performance published in
accordance with OJK regulations through the Bank’s website.
Quarterly Report Quarterly Consolidated financial statements in accordance with Financial
Accounting Standards in Indonesia, published through the
Bank’s website.
Published Financial Statement Quarterly Summary of financial performance published in accordance
with OJK regulations through the Bank’s website and
newspapers.
Parent Entity Report Semester Summary of the Parent Company’s financial performance
published in accordance with OJK regulations through the
Bank’s website.
Investor & Analyst Presentation Report Quarterly Key Financial and non-Financial information.
Annual Report Annually Financial and non-financial information, business segments,
product information, and profit.
Other Report: Quarterly Information related to Financial Ratios published in accordance
• Basel III Leverage Ratio Disclosure with OJK regulations through the Bank’s website.
• Laporan Publikasi Eksposur Risiko dan
Permodalan
• Equidity coverage Ratio Disclosure
• Net Stable Funding Ratio
Non-Financial Information
Product/Service Ad hoc Information on products and services offerings.
Branch Network Ad hoc Summary of Financial Performance according to OJK.
Management and Ownership Ad hoc Information on the management and ownership structure.
GCG related Policies Ad hoc Information on corporate governance policies of Bank.
GCG Report Annually Information on corporate governance implementation of Bank
and result of corporate governance assessment.
Base Lending Rate Publications Report Monthly Information related Prime Lending Rate.
404 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 407
REMUNERATION POLICY
Remuneration Policy Preparation Process • Company business strategy
Danamon considers it important to apply good • Benchmark with market for similar positions
remuneration philosophy and principles to maintain 4. The amount of employee salaries varies
remuneration levels at Danamon competitive in the depending on:
market that will motivate employees to make the best • Skill competency
contribution to and support Danamon’s business • Performance
continuity and mission to become a leading financial • Experience
institution in Indonesia. • Scarcity of positions in the market
5. The lowest employee salaries are determined
The remuneration policy aims to regulate the process with due consideration on the minimum wage set
and approach to determining remuneration for in areas where the employees are stationed.
members of the Board of Directors (BOD) and Board
Governance
Corporate
of Commissioners (BOC) and employees based on Based on performance measurements and
their work, contribution to Danamon, and equality in contributions to Danamon each year, eligible
the market for the same position. employees will be rewarded with annual performance
bonus.
To ensure independency in employee remuneration
in the control unit, each of the employees is given Performance bonuses are intended to motivate and
Key Performance Indicator (KPI) as a measuring tool encourage employees to make greater contribution
for their performance that is not related to KPIs in the to Danamon.
working unit they oversee.
The following guidelines to determine employee
Scope of Remuneration Policy and Its performance bonuses:
Implementation 1. Pool bonuses for employees and senior
This Remuneration Policy applies to all business units management are created based on Danamon’s
both at the head office and in the regions, including performance achievements against
Sharia business units. predetermined work plans:
• The main factor in this is company performance
Remuneration is Associated with Risk achievement
In providing remuneration to employees, Danamon • The second factors include economic
considers potential risks that may arise from all types condition, government regulations, market,
of risks. In the event that a risk arises as a result of restructuring, etc.
the decision taken, Danamon reserves the right to 2. The amount of bonus pool is based on company
extend the deferral period for the variable given. performance achievement.
3. Any increase or decrease in bonus pool with
Performance measurement Associated with due consideration on company performance
Remuneration against plans set at the beginning of the year.
To provide fair compensation to each employee, Bonus distribution based on unit and individual
Danamon always pays attention and considers the performances.
employee work load and skill sets as well as market
practices for similar positions. Remuneration Adjustments are Linked to
Performance and Risk
The following guidelines are used to determine the Danamon applies the following provisions POJK
amount of employee salaries: No.45/POJK.03/2015 under on executives appointed
1. Danamon implements a Clean Wage system as Material Risk Taker (MRT) due to the significant
where it only rewards employee with one salary impacts of their decision-making authority on
without allowances. Danamon’s risk profile, to decide on the executives’
2. Danamon uses the salary structure as a guide to annual performance bonus:
determine minimum and maximum salaries for a 1. A portion of the annual performance bonus is
certain level. deferred for at least a period of 3 years.
3. Payment Reference for a position in the market is 2. The deferred portion is divided into cash and
based on: shares/share-based instruments.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 405
Page 408
3. If Danamon executive (Director/Board of Position and Number of Parties Who are Material
Management) is dismissed by the Company due Risk Takers
to other matters than errors, negligence or fraud, In implementing POJK No.45/POJK.03/2015
payment for the deferred portion remains due but concerning the Implementation of Corporate
cannot be made any earlier. Governance in Providing Remuneration for
4. The amount of the deferred portion is differentiated Commercial Banks, Danamon applies the
based on position level. The higher the position remuneration precautionary principle regarding risks
level, the larger the deferred portion. The portion inherent in the executives who have the authority to
size and deferral schedule are determined by the make decisions that can have a significant impact on
Nomination and Remuneration Committee. the Danamon’s risk profile. Therefore, Danamon has
5. If Danamon executive (Director/Board of determined that Danamon executives categorized as
Management) is proven to have committed MRT shall be members of the BOD and Management.
violations such as negligence, fraud, etc. in the
previous year only discovered the following year Remuneration of the Nomination and Remuneration
and have received a performance bonus, then Committee
the performance bonus can be withdrawn (Claw The Nomination and Remuneration Committee
Governance
Corporate
back). consists 4 members of the BOC and 1 representative
of the Bank Employees.
Consultant Regarding Remuneration
Danamon appoints Willis Towers Watson as the The total remuneration paid to all members of the
consultant that conducts yearly surveys on salary. The Nomination and Remuneration Committee during
results of the salary survey are used as a reference 2025 was Rp20.1 billion.
for determining employee salaries. Danamon also
uses the services of the same consultant to assist the
Bank in redesigning compensation for employees.
REMUNERATION OF DIRECTORS AND BOARD OF COMMISSIONERS
The remuneration packages and facilities packages received by the BOD and BOC include the remuneration
structure and details of nominal amounts, as given below:
Amount Received in 1 (one) Year
Types of Remuneration Board of Directors Board of Commssioners
and Facility 2025 2024 2025 2024
Person Million IDR Person Million IDR Person Million IDR Person Million IDR
Salaries, bonuses, 8 134,631 9 137,073 6 32,912 6 32,080
routine allowances,
tantiem, and other
facilities in the form of
non nature
Other facilities in the
form of nature (housing,
health insurance, etc.)
which:
a. possessable 8 2,661 9 2,422 6 1,240 6 1,660
b. unpossessable 8 8,413 9 9,144 6 1,716 6 1,744
Total 8 145,705 9 148,639 6 35,868 6 35,484
REMUNERATION OF BOARD OF DIRECTORS AND BOARD OF COMMISSIONERS BASED ON
INCOME LEVEL
Remuneration packages are grouped into levels of income received by members of the BOD and BOC in 1
(one) year, as given in the table below:
Number of Board of
Number of Board of Directors
Amount of Remuneration per Person in 1 (one) year Commissioners
2025 2024 2025 2024
Above IDR2 billion 8 9 6 6
Above IDR1 billion to IDR2 billion - - - -
Above IDR500 million to IDR1 billion - - - -
IDR500 million and below - - - -
406 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 409
Variable Remuneration
Besides fixed remuneration, Danamon also provides variable remuneration to employees in the form of annual
performance bonuses intended as a reward for employee performance and contribution each year and as
part of the Bank’s retention programs or long-term compensation programs that will eventually make the
employees as its key executives key companies willing to continue working at Danamon.
Annual performance bonuses are given to the BOD, BOC, and eligible employees. The amount of bonus
may change in every fiscal year depending on Danamon’s overall performance, Line of Business/Segment
performance and the performance of each employee.
The long-term compensation program is provided very selectively to the BOD and Senior employees proven
to have outstanding performance and/or hold key positions. Providing long-term compensation programs is
the prerogative of the President Director and the BOC.
The table below shows the number of the BOD, the BOC, and Employees who received variable remuneration
for 1 (one) year and total amount given:
Governance
Corporate
Amount received in 1 (one) year
BoD BoC Employees
Variable
Remuneration 2025 2024 2025 2024 2025 2024
Million Million Million Million Million Million
Person Person Person Person Person Person
IDR IDR IDR IDR IDR IDR
Total 8 41,659 9 41,426 6 7,989 6 8,177 5,404 354,852 5,328 318,075
Variable Remuneration Guaranteed Without Conditions
Danamon does not provide variable remuneration that is guaranteed without conditions to prospective
members of its BOD, BOC, and/or Employees for the first 1 (one) year.
Deferred variable remuneration
Deferred variable remuneration package consists of cash and/or shares or share-based instruments as has
been implemented pursuant to OJK regulations.
Highest to Lowest Salary Ratio
Salary is employee’s right given and expressed in the form of money as a reward from the Company or
employer to employees which is determined and paid according to a work agreement, contract or regulatory
provisions, including allowances for employees and their immediate families for the work and/or services they
provide. The salaries put in comparison in the salary ratio are the compensation received by members of the
BOD, the BOC, and employees.
Salary Comparison Ratio 2025 2024
The highest to lowest employee 110.3 x 109.5 x
The highest to the lowest BOD 2.59 x 2.59 x
The highest to lowest BOC 1.30 x 1.30 x
The highest BOD to the highest employee 1.56 x 1.52 x
Stock Options
Danamon did not issued a share option program for members of its the BOD, the Board of Commissioners, or
employees throughout 2025.
Termination of Employment and Total Nominal Severance Pay Paid
Employees who are terminated (PHK) are entitled to severance pay. The total nominal severance pay paid is
listed in the table below:
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 407
Page 410
Total Employee
Nominal Amount of Severance Pay Paid per Person in 1 (one) Year
2025 2024
Above IDR1 billion 71 57
Above IDR500 million to IDR1 billion 94 65
IDR500 million and below 511 470
Details of the amount of Remuneration given in 1 (one) year
1. Fixed Remuneration and Variable Remuneration;
2. Deferred and non-deferred remuneration; and
3. Form of Remuneration given in cash and/or shares or share-based instruments issued by the Danamon, as
given in the table below:
A. Fixed Remuneration *)
1. Cash IDR79,316
Governance
Corporate
2. Share-based instruments issued by the Danamon N/A
B. Variable Remuneration *) Not Deferred Deferred
1. Cash IDR55,198 IDR7,242
2. Shares/share-based instruments issued by the Danamon N/A 1,808,000 (shares)
Notes: *) only for MRT and expressed in million Rupiah
Quantitative Information
1. Total remaining Remuneration that is still deferred, whether exposed to implicit or explicit adjustments;
2. Total reduction in Remuneration due to explicit adjustments during the reporting period; and
3. Total reduction in Remuneration due to implicit adjustments during the reporting period, as given in the
table below:
Total Deductions during the Reporting Period
Due to Total
Types of Variable Remuneration Still Deferred* Due to Adjusment
Adjusment (A)
Explicit
Implisit +
(A)
(B) (B)
1. Cash (in million rupiah) IDR13,945 - - -
2. Shares/share-based instruments issued
by the Danamon (in shares and with a
3,314,233 shares - - -
nominal value of millions of Rupiah which
is a conversion of the shares)
Note: *) only for MRT and expressed in million Rupiah
408 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 411
BANK’S SHARES BUY BACK
AND BOND BUY BACK
There was no buyback of either shares or bonds in 2025.
INSIDER TRADING POLICY
The Company has a Personal Securities Trading Management (PEP) policy and a Material Non-Public
Information (IMNP) policy to achieve the highest standards in business conduct and operations. These
policies are designed to ensure that the Company complies with laws and regulations governing securities
trading and insider activities, thereby maintaining and enhancing the Company’s reputation for integrity and
ethical conduct.
Governance
Corporate
DISCLOSURE POLICY
ON SHARE OWNERSHIP
TRADING OF THE BOARD
OF COMMISSIONERS AND
DIRECTORS
As a company listed on the Indonesia Stock Exchange, the Company is required to comply with OJK Regulation
No. 4 of 2024 concerning Reports on Ownership or Any Changes in Ownership of Shares of Public Companies
and Reports on the Activity of Pledging Shares of Public Companies.
Article 2 of this OJK regulation states that members of the Board of Directors (BOD) or Board of Commissioners
(BOC) who own shares with voting rights, either directly or indirectly, are required to submit a report on the
ownership of voting rights over shares and any changes in ownership of voting rights over shares of the Public
Company to the OJK. The report must be submitted immediately, no later than 5 (five) working days after the
acquisition of voting rights over shares or any change in ownership of voting rights over shares of the Public
Company.
The share ownership of the BOD and BOC has been disclosed in the Share Ownership table in the Board of
Commissioners and Directors section of this Corporate Governance report.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 409
Page 412
TRANSACTIONS WITH
CONFLICTS OF INTEREST
No conflict of interest transaction was reported during 2025.
Conflict of Interest Transaction is regulated in the internal procedures for Affiliated Transaction and Conflict
of Interest Transaction. In cases where such transaction is unavoidable, the involved members of the Boards
of Directors, the Board of Commissioners or Sharia Supervisory Board must refrain from taking part in the
transaction review and approval process.
Name and Position of Name and Position Transaction
Type of
No Official involved in of the Decision Value (Millions of Description *)
Transaction
Conflict of Interest Maker IDR)
Governance
Corporate
Nil
*)
Not in accordance with the prevailing systems and procedures.
POLITICAL DONATION
Danamon has a strict policy that prohibits any involvement, either personally or on behalf of the Company, in
political activities.
This includes providing anything of value in the form of gifts, business hospitality, donations and sponsorship
in any form for political purposes. In 2025, Danamon did not provide any funds or any kind of supports for
political activities.
SOCIAL DONATION
Danamon’s social donation during 2025 are presented in detail in the Corporate Social Responsibility section
of this Annual Report.
BANK’S STRATEGIC PLAN
The Bank’s Strategic Plan is described in the Strategic Review section of the Management Discussion &
Analysis Chapter in this Annual Report.
410 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 413
IMPLEMENTATION OF
SUSTAINABLE FINANCE
Sustainable Finance Danamon implementation towards sustainable economic growth; development
in Bank refers to Financial Services Authority of sustainable finance programs and implementation
Regulation (POJK) No. 51/2017 regarding Sustainable of environmentally sound Bank operations; and social
Finance Implementation for Financial Institutions, and community empowerment.
Issuers, and Public Companies and is reflected in
the Sustainable Finance Action Plan (SFAP). The The Bank has outlined the roles and responsibilities
Bank continues the five priority programs in SFAP of its Board of Directors, Board of Commissioners,
through Governance and Process, Awareness and and work units for managing climate-related risks
Internal Capacity Building, Sustainable Financing, based on its organizational structure and coordination
Responsible Workplace Management, and Corporate mechanisms. Bank has gradually started establishing
Governance
Corporate
Social Responsibility (CSR). To support the SFAP steps to incorporate climate risks into its internal
implementation, The Bank allocates a budget for control framework through three lines of defense
social and environmental responsibility activities. to ensure an effective identification, measurement,
and mitigation of these risks. In addition, the Bank
In its sustainable finance implementation, Bank has implemented OJK’s Climate Risk Management
strives to runs the business and executes investment & Banking Scenario Analysis (CRMS) in accordance
strategies by weighing, implementing, and integrating with the guidelines from the Regulator to assess the
environmental, social, and governance values to Bank’s resilience in facing climate change.
support a sustainable business ecosystem; product
development; transactions; financing services for More details on Sustainable Finance and CSR
sustainable activities and financing the transition implementation is available in the Sustainability
Report chapter in this report.
COMPANY INFORMATION
ACCESS
Danamon provides easy access and information to Stakeholders about Danamon through communication
media such as Press Releases and Analyst Briefing Booklets. In addition, Danamon provides information about
products and services, investor information, office networks, financial reports, annual reports, reports and
implementation of governance and social activities, corporate actions and others made available on its official
website at https://www.danamon.co.id both in Indonesian and English.
In order to improve consumer service and protection, fulfill the need for products and service information,
as well as handle complaints from customers and/or potential customers, Danamon has established
communication channels through Hello Danamon. Hello Danamon can be accessed 24/7 via phone number
1-500-090, X @HelloDanamon, e-mail: hellodanamon@danamon.co.id, and live chat information services via
Whatsapp: 08581 1500 090.
The public can also contact:
Unit Phone Number E-mail
Corporate Secretary (021) 80645000 corporate.secretary@danamon.co.id
Investor Relations (021) 80645000 investor.relations@danamon.co.id
Corporate Communications (021) 80645000 corporate.communications@danamon.co.id
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 411
Page 414
INVESTOR RELATIONS [IDX G-08]
The Bank continues to be committed to building strong communication and meaningful relationships with
investors, while ensuring fair treatment for all investors through various interaction platforms, including:
• Regular updates on financial performance, business strategies, and work plans to investors, analysts, and
other stakeholders (Rating Agencies, lenders, Regulators) through quarterly performance presentations,
meetings, conferences, and etc.
• Face-to-face meetings (group discussions, one-on-one, or conference calls).
• Participation in Danamon’s strategic projects, including those involving independent consultants.
Throughout 2025, the Investor Relations Unit has conducted several meetings and conference calls with
investors and analysts (including Investor & Analyst Briefing Event), reaffirming our commitment to open and
proactive dialogue.
Governance
Corporate
412 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 415
CORPORATE
COMMUNICATIONS
Corporate Communications Unit is responsible for managing communication between Bank and public, through
mass media. Corporate Communications contributes to the development of effective, accurate, concise, and
reliable communications with the following scope of objectives and responsibilities:
• Building and maintaining Bank’s image in society through the function of public relations.
• Carry out the communication function of Bank’s management to public through mass media, both printed
and electronic media.
• Perform the external communication function, including creating messages, determining the form of
communication, and providing information to third parties.
• Act as the initial point of contact for public who need information about Bank.
Governance
Corporate
SOCIAL MEDIA
Danamon’s official social media and website are:
• X : @danamon, @HelloDanamon (customer service)
• Facebook : Bank Danamon
• Instagram : @mydanamon dan @lifeasdanamoners
• Tiktok : @bankdanamon
• LinkedIn : PT Bank Danamon Indonesia, Tbk.
• YouTube : Bank Danamon
• Situs web : www.danamon.co.id
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 413
Page 416
DELIVERING AN EXCELLENT
CUSTOMER EXPERIENCE AND
INTEGRATED SOLUTIONS
Realizing a Seamless Banking Experience Accelerating Customer Experience Through
In 2025, Danamon strengthened service quality and Technology Enablement
ensured a consistent customer experience across Danamon has implemented a Consumer Protection
all channels through enhanced frontline capabilities, Policy in accordance with regulatory requirements,
process alignment, and digital service optimization. supported by transparent product and service
This report summarizes key achievements, cross- information—including benefits, fees, and risks—
channel service improvements, and the utilization of presented in a clear and easily understood manner.
Governance
Corporate
technology and customer insights as the foundation These efforts are further strengthened through
for defining future strategic priorities reflecting our compliance monitoring, financial literacy education,
commitment to delivering reliable and sustainable and continuous improvements to service standards
service. across all channels.
Driving Service and Experience Consistency In line with this commitment, Danamon also enhances
Across All Channels transaction security through comprehensive risk
Danamon implemented various initiatives to ensure mitigation measures, including strengthening digital
consistent service delivery across all branches by systems, improving internal controls, and ensuring
strengthening service standards, frontline behavior, complaint handling is conducted promptly and
and the clarity of operational guidelines. These accurately. These initiatives support the delivery
efforts were reinforced through monitoring programs, of secure and trustworthy banking services while
branch self-assessments, and the provision of digital upholding strong customer protection principles.
service guidance to promote consistent service
quality and greater accountability in every customer To deliver a more responsive customer experience,
interaction. Danamon leverages technology and data-driven
insights as key enablers of continuous improvement.
In line with strengthening cross-channel service Through the management of AI powered Voice of
delivery, Danamon also accelerated digital adoption Customer capabilities, strengthened close-loop
through a series of D-Bank PRO activation and and service recovery mechanisms, and survey
education programs held during National Customer automation, Danamon is able to identify customer
Day. The program enhanced frontline readiness to needs more quickly, generate real-time insights, and
educate and activate customers to use D-Bank PRO follow up on feedback in a structured and measurable
more actively, contributing to a 30.5% increase in the manner.
number of forex transactions (NoT) in October, and a
significant improvement in the D-Bank PRO rating on
the Play Store from 3.3 to 4.2.
414 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 417
The consistent implementation of these initiatives is also reflected in the recognition and awards received by
Danamon throughout 2025, as summarized below.
Award
No Award Title Award Category Placement
Organizer
1 Marketing Satisfaction Loyalty and The Best KBMI 3 Bank in Satisfaction, Loyalty, Engagement 2025 1
Research Engagement Award 2025
The Best KBMI 3 Bank in Customer Satisfaction 1
Indonesia &
Infobank The Best KBMI 3 Bank in Customer Loyalty 1
The Best KBMI 3 Bank in Customer Engagement 1
The Most Satisfying KBMI 3 Bank in Customer Service 1
The Most Satisfying KBMI 3 Bank in Branch Office 1
The Most Satisfying KBMI 3 Bank in ATM Service 1
The Second Best KBMI 3 Bank In Marketing Engagement Index 2
The Second Best KBMI 3 Bank in Brand Interactivity Index 2
The Second Most Satisfying KBMI 3 Bank in Services 2
Governance
Corporate
The Third Best KBMI 3 Bank in Net Promoter Score 3
The Third Best KBMI 3 Bank in Customer Centricity Index 3
The Third Best KBMI 3 Bank in Customer Resilience Level 3
The Third Most Satisfying KBMI 3 Bank in Teller Service 3
The Third Most Satisfying KBMI 3 Bank in Mobile Banking 3
2 Marketing Banking Service Excellence The Best Conventional Bank in Service Excellence For 20 Diamond
Research Award 2025 Consecutive Years (2006-2024)
Indonesia &
The Best Conventional Bank in Excellence Digital Channel For 5 Gold
Infobank
Consecutive Years (2020-2024)
The Best Conventional Bank in Excellence Website Opening 1
Account
The Best Conventional Bank in Excellence Branch ATM 1
The 2 Best Conventional Bank in Excellence Teller Service
nd
2
Strengthening Frontliners’ Role through Capability, In addition, Danamon introduced the King or Queen
Culture, and Recognition of Service program as a form of appreciation while
To further strengthen frontliners’ role, Danamon further strengthening a customer-oriented service
continues to focus on capability development, culture. Through this program, top-performing branch
service culture reinforcement, and structured frontliners are selected and prepared to become role
performance recognition. This initiative embeds the models who bring service excellence values to life,
I-STAR service behavior (Initiative, Service-Oriented, inspire teams at both branch and regional levels, and
Trusty, Accountable, Reliable) as the foundation for contribute to the sustained consistency of service
delivering consistent, reliable, and customer-centric standards.
service.
Customer Collaboration as a Driver of Innovation
Building on the service behavior reinforcement and Service Improvement
previously focused on branch frontliners, in 2025 the As part of its commitment to deliver more relevant
implementation was expanded to the Contact Center services and solutions, Danamon actively engages
team Hello Danamon through the I-STAR Bootcamp. customers as partners in service development and
The program serves as both a recognition platform enhancement. Through a collaborative approach,
and a continuous reinforcement effort through a Danamon creates space for dialogue and piloting to
series of motivational activities, learning sessions, gather direct insights, ensuring that every innovation
and team-building initiatives, ensuring that I-STAR is rooted in customers’ real needs and experiences.
behaviors are increasingly internalized in every
customer interaction.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 415
Page 418
Customer voice serves as Danamon’s compass As one of the primary channels for customers to
for change across all channels, guided by the “4D” obtain product and service information and submit
framework (Discover, Define, Develop, Deliver) in inquiries or complaints, Danamon continuously
decision-making and execution. One significant enhances its systems to maintain operational
collaboration in 2025 was the joint development with stability and service reliability. Improvements to the
PT Adira Dinamika Multi Finance Tbk of a feature that Interactive Voice Response (IVR) flow, along with
enables customers to activate D-Bank PRO using the use of AI to support Hello Danamon agents in
only an e-KTP, eliminating the need to visit a branch assisting customers, have also been implemented to
during the activation process. deliver a service experience that is more seamless,
faster, and more efficient.
In addition, Danamon leverages AI to strengthen
frontliners’ capabilities, enabling more needs-based In addition, Video Banking via D-Bank PRO continues
customer conversations. This initiative is supported to be strengthened through the introduction of Face
through a chatbot that helps map customers’ Recognition and Liveness Detection features, as
financial needs to the most suitable Danamon well as a multiproduct capability to support online
solutions, alongside fundamental improvements account opening. This service also assists existing
Governance
Corporate
such as enhanced transaction notification content, customers with Registration, Reactivation, Activation,
simplified application forms, strengthened and Forgot Password needs, while reinforcing fraud
transaction authentication and authorization at prevention efforts through proactive monitoring
branches, and the provision of Fit Banknotes. of suspicious fund transfers. This commitment
has been acknowledged by the Financial Services
Integrated Services for Faster Response and Authority (OJK) through the IASC (Indonesia Anti
Accurate Resolution Scam Center) report, where Danamon was ranked
As a customer service center operating 24/7, Hello first as the fastest bank in follow-up actions.
Danamon supports customers’ information needs
and interactions through multiple channels, including In line with this commitment, throughout 2025
telephone (1-500-090), X (@HelloDanamon), e-mail Danamon recorded 40,565 customer complaints,
(hellodanamon@danamon.co.id), and WhatsApp with 97.28% successfully resolved in accordance
(08581 1500 090). with established standard procedures.
Resolved In Progress
Total
No Financial Transaction Type
Complaints
Total Percentage Total Percentage
1 Fund Mobilization (Deposit) 8,987 22.15% 26 0.06% 9,013
2 Loan Disbursement 1,007 2.48% 5 0.01% 1,012
3 Partner Products 312 0.77% 4 0.01% 316
4 Other Products 13 0.03% 1 0.00% 14
5 Payment Systems 29,141 71.84% 1,069 2.64% 30,210
Total 39,460 97.28% 1,105 2.72% 40,565
Year Total Complaints Complaints Resolved Resolution Rate
2025 40,565 39,460 97.28%
416 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 419
CORPORATE CULTURE
Corporate culture is a set of beliefs, behaviors and The Company’s EVP is known as GROW, which
attitude guidelines for all employees and members simply means “Growing” and stands for:
of the Boards of Directors and Commissioners of
Danamon in discharging their respective duties and 1. Global Exposure
responsibilities to realize Danamon’s stated Vision Danamon is committed to offer me global
and Mission. It influences how employees within the exposure and experiences through business
Company interact with each other, how decisions collaboration and knowledge sharing on best
are made, and how the organization as a whole business practices. With my expertise and
approaches challenges, opportunities, and growth. skills, I will take this opportunities to drive
innovations for Bank’s sustainable growth.
In Corporate Culture, “Corporate Values” refer to the
principles that are highly upheld by the Company 2. Rise to Excellence
Governance
Corporate
as it moves forward on a journey towards realizing Danamon aspires to build a supportive and
its stated vision and mission. Danamon’s corporate collaborative working environment that inspires
values are listed in the Corporate Profile chapter of me to bring out new ideas and make a significant
this Annual Report. contribution through outstanding performance.
Danamon has communicated its corporate values 3. Own Your Future
internally through a designated series of outreach Danamon encourages me to grow
programs, from raising employee awareness, personally and professionally by providing
through explanation of the expected behaviors development opportunities that support my
and attitude from each of the values, organizing commitment to build my own future career.
appreciation program for employees who have
lived up to the corporate values and become a role 4. Wellness & Wellbeing (Reach Prosperity)
model for their fellow employees, incorporating the Danamon genuinely cares for my wellness and
values into training programs, and onto making the well-being whereby as part of the Danamon’s
alignments of the Code of Conduct, internal Human family and take care of our social communities in
Capital provisions on recruitment, performance a responsible manners.
appraisals, work culture programs, training and
development, etc. With these corporate values and EVP
commitment, it is hoped that it can strengthen
To support the outreach programs, The Company employee engagement and increase their productivity
hosts various activities to strengthen the while attracting external talents, consistent with
implementation of Corporate Values such as Danamon Danamon’s stated mission of becoming the Top
Innovation Race, a thematic internal innovation Employer of Choice.
contest to support in achieving Company’s target.
In bringing the value of Customer Centricity to life,
the Company implements the Voice of Internal
Customer program, where each unit provides
feedback to one another in order to continuously
improve. Another corporate culture agenda is the
BISA Medal Program that appraises employees who
have demonstrated BISA attitudes and behavior in
their day-to-day work.
Not just internally, Danamon also strengthens its
corporate branding with a unique Employee Values
Proposition (EVP), which has been specifically
developed to manifest its commitment to the
employees by giving back values as a reward for their
shown contribution to the Company.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 417
Page 420
CODE OF CONDUCT [IDX G-07]
Danamon’s Code of Conduct is an ethical value To ensure the enforcement of the Code of Conduct
that refers to the vision, mission, and values of the at all levels, Management and Employees, without
corporate culture, Code of Conduct becomes a exception, are required to know, understand, comply
guideline of conduct for all management (Board with, and implement Danamon’s Code of Conduct.
of Directors, Board of Commissioners, Sharia Every year, Management and Employees convey
Supervisory Board, including but not limited to parties their commitment to the Code of Conduct by filling
outside of Danamon who are members of the Audit out an annual statement. Updating the content and
committee or Risk Management Committee) and implementation of the Code of Conduct is carried
employees in conducting daily tasks and establishing out continuously by the Company, both through
relationship with customers, colleagues and third socialization and periodic review of the contents of
parties. The code of conduct is expected to support the Code of Conduct.
the business continuity and reputation of Danamon.
Governance
Corporate
The Code of Conduct is binding and therefore
The Code of Conduct includes behavioral guidelines violations of the Code of Conduct may be subject
regarding Anti-Fraud, Conflict of Interest, Information to sanctions either administrative, civil or criminal
Management, Anti-Money Laundering and Terrorism in accordance with applicable provisions and
Financing Prevention, and the Company’s Business procedures. In the context of employment, violations
Ethics. The Code of Conduct is also the basis for of the Code of Conduct have the consequence of
the Company in formulating internal provisions and sanctions up to termination of employment.
policies.
SANCTIONS IMPOSED DURING 2025
Type of Sanctions Number of Sanctions
Termination of Employment 77
Warning Letter I 476
Warning Letter II 186
Warning Letter III 114
Reprimand letter 63
Total 916
418 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 421
ANTI-BRIBERY AND
ANTI-CORRUPTION POLICY
[GRI 3-3] [IDX G-07]
As a member of the MUFG Financial Group, Danamon customers, service providers, vendors, suppliers
has commitment to conduct business in a transparent or other business partners. Every expense must
and responsible manner based on ethical business be recorded, transparent and equipped with
practices and in accordance with applicable laws. adequate evidence so that financial records
Danamon has a principle and policy of zero tolerance are not misused to support or hide bribery and
for bribery and corruption including any attempt to corrupt acts.
utilize gifts, entertainment, hospitality or otherwise to d. Make political contributions personally or on
obtain or to retain inappropriate business advantages behalf of Danamon.
Governance
Corporate
or benefits. e. Providing job offers or employment opportunities
to prospective employees with the intention that
To support its commitment to anti-bribery and Danamon obtain or retain inappropriate business
corruption, Danamon has Anti-Bribery and Corruption advantages or benefits.
Policy. This policy is established in accordance with
Danamon’s values and code of ethics, laws and Danamon has also established a compliance
regulations as well as MUFG Financial Group’s global program for the implementation of the Anti-Bribery
practices. Periodically, Management and Employees and Corruption Policy through the following control
sign a code of conduct declaration. processes:
• Periodic risk assessment and risk control for acts
Danamon’s Anti-Bribery and Corruption Policy of bribery and corruption;
principally prohibits: • Assessment review of gifts, hospitality, job offers,
a. Offering, promising, and/or giving anything of donations, sponsorships, honorariums, and
value directly or indirectly to anyone with the third-party service providers acting on behalf of
intention of obtaining or retaining inappropriate Danamon.
business advantages or benefits.
b. Requesting and/or receiving anything of value On continuous basis, Danamon provides anti-bribery
directly or indirectly from anyone intended to and corruption socialization to Management and
improperly influence Danamon’s Management Employees. The Anti-Bribery and Corruption Policy
and/or employees in conducting their activities can also be accessed through Danamon’s website.
on behalf of Danamon. Danamon has Whistleblowing System as a reporting
c. Falsifying or concealing books, records or other channel for any alleged violation, including anti-
data relating to Danamon’s business activities, bribery and corruption. [GRI 205-2]
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 419
Page 422
ANTI-FRAUD POLICY
Danamon is committed to upholding a “Zero • All Danamon employees are encouraged to make
Tolerance for Fraud” principles. Strict sanctions are use of a “Speak-Up” culture and to emmediately
administered to perpetrators of fraud in accordance speak up if they find evidence, indications, or
with applicable regulations. Danamon actively suspect any kind of fraud, including violations of
participates in upholding an anti-fraud culture with Danamon’s code of conduct, procedures, rules,
the following principles: and regulations.
• Management actively watches out for risks • Danamon utilizes a Whistleblowing System
of fraud by setting a maximum tolerance (WBS) channel provided by an independent
threshold for fraud losses in its Risk Appetite party. The identity of the reporter is guaranteed
Statement parameters, through escalation of confidentiality. This channel is disseminated
information on fraud incidents to the Directors every month via e-mail blasts to all Danamon
and Commissioners, then the Directors and employees.
Governance
Corporate
Commissioners provide direction for handling, • Implementing four pillars of anti-fraud strategy,
mitigation, control and corrective steps followed by namely:
regular monitoring through existing committees, 1) Prevention;
namely the Risk Management Committee, Audit 2) Detection;
Committee, and Risk Oversight Committee, by 3) Investigation, reporting, and sanctions;
intensifying anti-fraud awareness campaigns, 4) Monitoring, evaluation, and follow-up.
and by intensifying any strict sanctions for those • Strengthening aspects of risk management
that have perpetrated fraud. that focus on fraud control including fraud
• All Danamon employees (FTE) and members identification, escalation, mitigation, and handling
of management are required to sign an Anti- fraudsters.
Fraud Integrity Pact that is part of an Anti-Fraud
Awareness electronic learning module that all
Danamon employees (FTE) must partake in.
PROCUREMENT POLICY
Danamon has established and implemented policies governing the procurement of goods and/or services
and conducts periodic reviews and updates. The Procurement Policy is designed to uphold the principals
of Good Corporate Governance, including the avoidance of conflicts interest and ensure clear separation of
functions and authorities throughout the procurement process, thereby minimizing the risk of fraud.
The main points of the Procurement Policy can be accessed on Danamon’s website under the Governance
Related Policies section on the Danamon website (www.danamon.co.id)
420 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 423
INTERNAL FRAUD
Internal fraud is the fraud carried out by the management, permanent employees, and non-permanent
employees (honorary and outsourced personnel) related to work processes and operational activities. The
table below is the number of internal fraud cases with financial impact of more than Rp100,000,000,- (one
hundred million Rupiah):
The number of cases carried out by
Members of Board of Directors,
Non Permanent Employees and
Internal Fraud Board of Commissioners, and Permanent Employees
Outsourced Employees
in 1 Year Sharia Supervisory Board
Current Current Current
Previous Year Previous Year Previous Year
Year Year Year
Total Fraud - - 9 16 - -
Completed - - 4 4 - -
Governance
Corporate
In the Process of Internal - - 3 10 - -
Resolution within the Bank
Pending Process - - - - - -
Followed up through Legal - - 2* 2** - -
Action
*
have been completed
**
in process
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 421
Page 424
WHISTLEBLOWING SYSTEM
[GRI 2-25] [GRI 2-26] [SASB FN-CB-510a.2]
To maintain independence, transparency, Protection for Whistleblowers
convenience, confidential, monitoring, and protection Danamon guarantees to maintain the confidentiality
for whistleblowers, Danamon cooperates with of Whistleblowers who report fraud and provide
partners using third parties in handling complaints legal protection to the Whistleblower for all possible
through the Whistleblowing System (WBS). actions that can harm or harm the Whistleblower
from the reported party or other third parties whose
The Whistleblowing System is a communication implementation is regulated in internal regulations.
channel that facilitates whistleblowers to report
events or allegations related to fraud, policy violations, Handling Complaint, Parties Managing Complaints,
bribery/borrowing money with customers, sexual and Imposing Sanctions
harassment, theft/embezzlement, financial statement Danamon appoints an independent third party to
Governance
Corporate
fraud, illegal activities and other violations of the manage Danamon’s WBS, including the management
code of ethics involving Danamon employees and/or of complaint follow-up and administration. The third
related parties while maintaining the confidentiality party WBS manager will forward the reports received
of the whistleblower’s identity. to the Danamon’s WBS team to be evaluated whether
to be processed further to the investigation stage or
Whistleblowing Policy forwarded to the appropriate parties.
Danamon has a whistleblowing policy that is
socialized to all employees through various media Investigation of potential violations is conducted by
such as: e-mail blasts, Danamon Portal, and Bank’s an independent Internal Investigation Team, based
website (www.danamon.co.id). on the presumption of innocence and objectivity.
The results of the investigation become the basis for
Procedure for Submitting Violation Reports decisions to take action and/or impose sanctions on
Reporting facilities are easily accessible through the parties or perpetrators proven to have committed
several communication channels, as follows: violations in accordance with applicable laws and
- E-mail address: danamon-wbs.info@kpmg.com.sg regulations and/or in accordance with internal
- Website: https://danamon-wbs.info/ regulations.
- SMS/Whatsapp: 0811-825-2662
- Postal Address: KPMG Siddharta Advisory – A summary of fraud cases with potential losses
EthicsLine BDI Menara Astra Lantai 21, Jl. Jend. exceeding a nominal value of Rp100,000,000,-
Sudirman 5-6, Jakarta 10220 will be reported to the Bank’s Management
periodically. [SASB FN-CB-510a.1]
COMPLAINT HANDLING RESULT IN 2025 [GRI 205-3]
Report Status
Settled
Total complaints received
Total Settled Proven as fraud/violation Not proven as Fraud/ Under Process
of Procedures/ Code of Violation of Procedures/
Conduct Code of Conduct
22 19 9 10 3
422 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 425
IMPLEMENTATION OF GCG
GUIDELINES FOR PUBLIC
COMPANIES
The Bank continues to implement the Public Company Governance Guidelines, as regulated in POJK No.21/
POJK.04/2015 concerning The Implementation of Public Company Governance Guidelines and SEOJK No.32/
SEOJK.04/2015 concerning Public Company Governance Guidelines which includes 5 (five) aspects, 8 (eight)
principles and 25 (twenty five) recommendations for the implementation of good corporate governance
aspects and principles as follows:
IMPLEMENTATION OF 25 RECOMMENDATIONS FOR PUBLIC COMPANY GOVERNANCE GUIDELINES
Governance
Corporate
No Principle Recommendation Explanation
A Public Company–Shareholder Relations in Ensuring Shareholders’ Rights.
1 Increasing the Value of 1.1 The Public Company has a method or The Company has in place GMS Rules and
holding a General Meeting of technical procedure for collecting votes, Regulations that govern the convention
Shareholders (GMS) both openly and privately, that promotes of GMS including voting mechanism,
independence and shareholder interests. decision making and vote counting that
prioritize independency and the interests
of shareholders.
All GMS procedures and rules are
available and can be accessed via the
Company website
(www.danamon.co.id).
Status: comply
1.2 All members of the Board of Directors and The AGMS held on March 21, 2025
members of the Board of Commissioners complied with applicable guidelines and
of The Public Company attend the Annual procedures.
GMS (AGMS).
The AGMS was attended by members
of the Board of Directors and Board of
Commissioners who attended online and
offline.
Status: comply
1.3 A summary of the minutes of the GMS is The Company uploaded the Summary
available on the Public Company Website of the GMS Minutes on the 2nd (second)
for at least 1 (one) year. working day after the GMS was held.
A summary of the previous year’s GMS
Minutes is available on the Company’s
website, both in Indonesian and English.
Status: comply
2 Improving Public Company 2.1 The Public Company should have a The Company has a communication policy
Communication Quality with communication policy with shareholders with shareholders that regulates the Bank
Shareholders or Investors or investors. in providing information to shareholders
and the investment community in a
reasonable and timely manner, so that
it can make a correct assessment of
the Company’s strategy, development,
operations, and financial performance,
as well as enabling shareholders and
the investment community to be actively
involved with the Company.
Status: comply
2.2 The Public Company should disclose their The Communication Policy with
communication policy with shareholders or Shareholders is available which can be
investors on the Website accessed via the Company’s website.
Status: comply
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 423
Page 426
IMPLEMENTATION OF 25 RECOMMENDATIONS FOR PUBLIC COMPANY GOVERNANCE GUIDELINES
No Principle Recommendation Explanation
B Functions and Roles of the Board of Commissioners
3 Strengthening the Membership 3.1 Determination of the number of members The number, composition and structure
and Composition of the Board of the Board of Commissioners considering of the Board of Commissioners have met
of Commissioners the state of the Public Company. the provisions and are in accordance
with the size and complexity of Company
business with due consideration
on the provisions of POJK No.33/
POJK.04/2014 concerning Directors
and Board of Commissioners of Issuers
or Public Companies and POJK No.34/
POJK.04/2014 concerning Nomination
and Remuneration Committees for Issuers
or Public Companies.
As of December 31, 2025, Danamon’s
Board of Commissioners had of 6 (six)
members with 50% of the Board of
Commissioners being Independent
Commissioners. The number of members
of the Board of Commissioners did not
Governance
Corporate
exceed the number of members of the
Board of Directors, which was 8 (eight).
Status: comply
3.2 The diversity of skills, knowledge, and The Company has a diversity composition
experience required is considered when policy for members of its Board of
determining the composition of the Board Commissioners.
of Commissioners. The composition and structure of the
Company Board of Commissioners
have been set with due consideration
on the diversity of knowledge, expertise
and experience required to optimize
the implementation of the Board of
Commissioners’ oversight function.
Status: comply
4 Improving the Quality of the 4.1 The Board of Commissioners should The Company has a Policy on Performance
Implementation of Duties and have a self-assessment policy to Assessment that offers guidance for
Responsibilities of the Board of assess the performance of the Board of assessing the Board of Commissioners in
Commissioners Commissioners. carrying out its duties and responsibilities.
Status: comply
4.2 The self-assessment policy to assess The Company has a policy for
the performance of the Board of performance assessment of the Board
Commissioners is disclosed in the Public of Commissioners. The performance
Company Annual Report. appraisal policy is disclosed in the
Annual Report and made available on the
Company website.
Status: comply
4.3 The Board of Commissioners should have Members of the Company Board of
a policy for the resignation of its members Commissioners who are involved in
if they are involved in financial crimes. financial crimes shall resign from their
positions. This obligation to resign is
governed in the Board of Commissioners’
Charter.
Status: comply
4.4 The Board of Commissioners or the The Company of Board of Commissioners
Committee that carries out the Nomination has a Nomination and Remuneration
and Remuneration function should develop Committee who assist it in carrying out
a succession policy in the process of its duties related to the nomination and
nominating members of the Board of remuneration of members of the Board
Directors. of Commissioners and members of the
Board of Directors of the Company.
The Company has a Directors Succession
Policy to maintain leadership succession
in the future.
Status: comply
424 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 427
IMPLEMENTATION OF 25 RECOMMENDATIONS FOR PUBLIC COMPANY GOVERNANCE GUIDELINES
No Principle Recommendation Explanation
C Functions and Roles of the Board of Directors
5 Strengthening the Membership 5.1 The determination of the number of The number, composition and structure
and Composition of the Board members of the Board of Directors of the Board of Directors has met the
of Directors considers the condition of the Public provisions and are in accordance with
Company and the effectiveness of the the size and complexity of the Company
decision‑making process. business.
As of December 31, 2025, The Company
of Board of Directors had 8 (eight)
members. The number of members of
the Board of Directors is greater than
the number of members of the Board of
Commissioners.
Status: comply
5.2 The diversity of skills, knowledge, The Company has a diversity policy for
and experience required is taken into members of the Board of Directors.
consideration when determining the
composition of the Board of Directors. The composition and structure of the
Governance
Corporate
members of the Board of Directors have
been determined with due consideration
on the knowledge, expertise and
experience in accordance with the
Company’s needs to optimize decision
making and improve performance.
Status: comply
5.3 Members of the Board of Directors who The oversight of the Company’s Finance
are in charge of accounting or finance function falls under the responsibility
should have expertise and/or knowledge of the President Director, who ensures
in accounting. that financial management is carried
out transparently, accountably, and in
compliance with applicable regulations.
Status: comply
6 Improving the Quality of the 6.1 The Board of Directors should have a The Company has a performance
Implementation of Duties and self-assessment policy to assess its own assessment policy for the Board of
Responsibilities of Board of performance. Directors as a guideline for assessing the
Directors effectiveness of the implementation of its
duties and responsibilities.
Status: comply
6.2 The self-assessment policy to assess the The Company has a Policy on
performance of the Board of Directors is Performance Assessment of the Board of
disclosed in the Public Company’s annual Directors. The performance assessment
report. policy is disclosed in the Annual Report
and available on the Company website.
Status: comply
6.3 The Board of Directors should have a Members of the Board of Directors
policy for the resignation of members of who are involved in financial crimes are
its Board of Directors if they are involved in required to resign. This obligation to
financial crimes. resign is govern in the Board of Directors
Charter.
Status: comply
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 425
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IMPLEMENTATION OF 25 RECOMMENDATIONS FOR PUBLIC COMPANY GOVERNANCE GUIDELINES
No Principle Recommendation Explanation
D Stakeholder Participation
7 Improving Corporate 7.1 The Public Company should have policy In an effort to prevent Insider Trading from
Governance Aspects through for insider trading prevention. occurring, the Company has a Private
Stakeholder Participation Securities Trading Management (PEP)
and Material Non-Public Information
(IMNP) Policy.
Status: comply
7.2 The Public Company should have anti- The Company has a Code of Ethics and an
corruption and anti-fraud policies. Anti-Bribery and Corruption Policy which
prohibits Management and Employees
from committing bribery and corruption in
any form. This policy is always reviewed
periodically and updated.
The Company also has an Anti-Fraud
Management Policy and Framework
which sets out fraud risk management
strategies.
Governance
Corporate
Status: comply
7.3 The Public Company should have a policy The Company has a Procurement Policy
for the selection and capacity building of which governs restrictions and ethics in
suppliers or vendors. dealing with business partners or vendors
in the procurement of goods and services.
This policy is available and disclosed on
the Company website.
Status: comply
7.4 The Public Company should have a policy The fulfillment of the rights of creditors
for fulfilling creditor rights. in the form of depositors (customers who
have their fund invested in the Company)
is regulated through customer protection
policy and customer service code of
conduct which govern:
• the customer’s right to receive product
information that is clear, accurate,
easily accessible, and free from any
potential to mislead.
• the customer’s right to receive financial
education.
• the customer’s right to receive returns/
interest in an amount determined in
accordance with applicable laws and
regulations.
• the Bank’s obligation to provide equal
access to every customer.
• the Bank’s obligation to maintain the
confidentiality and security of customer
data and/or information in accordance
with applicable regulations.
• the procedures for the handling and
resolution of customer complaints.
Status: comply
7.5 The Public Company should have a policy The Company has an Anti-Fraud
for whistleblowing system. Management Policy and Framework as
well as a Fraud Handling Policy which
govern the whistleblowing system.
The Company whistleblowing system
is managed by a trustworthy third
party to ensure independency in its
implementation.
Status: comply
7.6 The Public Company should have a policy The Company has a Remuneration Policy.
for the provision of long-term incentives Details on the Remuneration policy are
for its Board of Directors and employees. disclosed in this Annual Report.
Status: comply
426 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 429
IMPLEMENTATION OF 25 RECOMMENDATIONS FOR PUBLIC COMPANY GOVERNANCE GUIDELINES
No Principle Recommendation Explanation
E Information Disclosure
8 Improving the Implementation 8.1 Aside from the Website as a medium for The Company continues to improve
of Information Disclosure information disclosure, public companies information disclosure media, including
benefit from the broader use of information on the website, to provide opportunities
technology. for shareholders and other stakeholders
to easily access information about
Company.
Status: comply
8.2 The Public Company Annual Report The Annual Report discloses the main and
discloses the ultimate beneficial owner in controlling shareholders, the 20 largest
public company share ownership of at least shareholders, as well as the profile of
5% (five percent), other than disclosure shareholder groups with more than 5%
of the ultimate beneficial owner in public (five percent).
Company share ownership through a major
or controlling shareholder. Status: comply
STATEMENT OF IMPLEMENTATION OF GOOD GOVERNANCE PRINCIPLES
Governance
Corporate
In conducting its business activities, the Company has implemented the principles of good corporate
governance and is committed to continue implementing good corporate governance practices in transparent
manner, accountability, responsibility, independence, attention to equality and fairness, and sustainable to
achieve the Bank’s business plan. During 2025, there were no material violations of applicable laws and
regulations.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 427
Page 430
INTEGRATED CORPORATE GOVERNANCE
Page 431
INTEGRATED CORPORATE
GOVERNANCE
IMPLEMENTATION REPORT
The implementation of the Danamon’s Integrated b. The transparency principle adopted by MUFG
Corporate Governance (ICG) refers to POJK No. 18/ FC does not lessen the obligation to comply with
POJK.03/2014 and SEOJK No. 15/SEOJK.03/2015 confidential provisions of Bank and/or Company
on the Implementation of Integrated Corporate in accordance with the prevailing laws and
Governance for Financial Conglomerates and POJK regulations, professional secrecy, and personal
No. 30 Year 2024 on Financial Conglomerates and rights.
Financial Holding Companies. These provisions
regulate the establishment of FC, the appointment Principle of Accountability
Governance
Corporate
of the FHC in the FC, the appointment of Director a. FSIs within MUFG FC must determine clear
who carries out the function or unit responsible for responsibilities for each organ in the organization
managing the MUFG FC, and the implementation of in line with the vision, mission, business objectives
Integrated Corporate Governance in a comprehensive and corporate strategy, as well as ensure that all
and effective manner, also the mandatory preparation members of the organs in the organization of the
of the Corporate Governance Charter by the FHC and MUFG FC have competencies in line with their
submit it to OJK. responsibilities and understanding of their roles
in the implementation of GCG.
Danamon has obtained approval from the OJK to act b. FSIs within the MUFG FC must ensure the
as the Operational FHC of the MUFG FC, effective as availability of check and balance system in the
of 24 June 2025. The MUFG FC structure, as follow: management of Company. Having performance
1. Danamon as the Operational FHC, measure from all levels of the MUFG FC based
2. PT Adira Dinamika Multi Finance Tbk (ADMF), on the agreed measures consistent with the
PT Home Credit Indonesia (HCI), and PT Mandala corporate values, business objective and
Multifinance Tbk (MFIN) as Members. corporate strategy.
Furthermore, effective October 01, 2025, a merger Principle of Responsibility
between ADMF, as the surviving entity, and MFIN, a. To maintain the continuity of its business, the
as the merging entity, became legally effective. In MUFG FC must adhere to prudential principles
connection with this merger, Danamon, in its capacity and ensure compliance with laws and regulations
as the Operational FHC, submitted a report on the as well as internal policies.
change in membership of the MUFG FC to the OJK. b. FSIs within the MUFG FC shall act as good
corporate citizens, care for the environment and
Based on the OJK letter dated October 21, 2025, implement social responsibility.
the OJK notified that the report on the change in
membership of the MUFG FC has been duly recorded Principle of Independency
in the OJK’s supervisory administration. Accordingly, a. MUFG FC must avoid uncommon domination by
the composition of the MUFG FC is as follows: any Stakeholders, be not affected by the unilateral
1. Danamon as the Operational FHC; interests and free from conflicts of interests.
2. ADMF and HCI as Members. [IDX G-09]
b. Decisions must be taken objectively and free from
PRINCIPLES OF INTEGRATED CORPORATE any parties’ pressures and committed to conduct
GOVERNANCE OF IMPLEMENTATION OF businesses with professionalism.
THE MUFG FINANCIAL CONGLOMERATION
Fairness Principle
Transparency Principle a. FSIs within the MUFG FC must always consider
a. FSIs within MUFG FC shall disclose adequate, the interests of all Stakeholders based on
clear, accurate and timely information, as well as the principles of equality and fairness (equal
easily comparable and accessible to Shareholders treatment).
and Stakeholders.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 429
Page 432
b. The MUFG FC must provide an opportunity to all Stakeholders to provide inputs and opinions in the interests
of the Company as well as provide access to information in accordance with the principle of transparency.
STRUCTURE OF THE MUFG FINANCIAL CONGLOMERATION
Mitshubishi UFJ Financial Group
(MUFG) Bank, Japan
76.88%
Krungsri
(Bank of Ayudya) Thailand
Outside Indonesia
92.47%
Indonesian Territory
PT Bank Danamon
Indonesia Tbk (Danamon)
Governance
Corporate
74.50%
PT Adira Dinamika Multi Finance Tbk 18.92%
(ADMF)
75%
PT Home Credit Indonesia 9.82%
(HCI)
MUFG Financial Conglomeration
MEMBERSHIP COMPOSITION OF THE MUFG FINANCIAL CONGLOMERATION
No. Company Type of Business Position of FC members
1 PT Bank Danamon Indonesia Tbk Bank Operational FHC
2 PT Adira Dinamika Multi Finance Tbk Financing Company Member
3 PT Home Credit Indonesia Financing Company Member
OWNERSHIP STRUCTURE OF THE MUFG FINANCIAL CONGLOMERATION
Operational FHC – PT Bank Danamon Indonesia Tbk
MUFG Bank, Ltd. Public
(direct & indirect)
7.53%
92.47% (22,400,000 shares) series A
(9,038,053,192 shares) series B (713,099,678 shares) series B
74.50%
Details of the shareholder composition are listed in the Company Profile section of this Annual Report.
430 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 433
FC Member – PT Adira Dinamika Multi Finance Tbk
PT Bank Danamon
MUFG Bank Ltd
Indonesia Tbk PUBLIC 6,58%
18,92%
74,50%
PT Adira Dinamika
Multi Finance Tbk
Governance
Corporate
FC Member – PT Home Credit Indonesia The composition of the BOC, SSB and the BOD of
PT Home Credit Indonesia (HCI) is a technology- Danamon as the Operational FHC is as stated in the
based financing Company. HCI became a member of Company Profile Chapter of this Annual Report.
the MUFG FC as MUFG Bank Ltd has acquired 75.01%
of HCI shares through Bank of Ayudha (Kungsri) and Management Structure of FSIS in the MUFG FC
9.82% of HCI shares through ADMF.
PT Adira Dinamika Multi Finance Tbk
MANAGEMENT STRUCTURE OF THE MUFG Board of Commissioners
GROUP FINANCIAL CONGLOMERATION
No Name Position
Operational FHC Management Structure -
PT Bank Danamon Indonesia Tbk 1 Daisuke Ejima President Commissioner
2 Krisna Wijaya Independent Commissioner
Board of Commissioners
3 Manggi Taruna Habir Independent Commissioner
No Name Position 4 Congsin Congcar Commissioner
1 Yasushi Itagaki President Commissioner 5 Honggo Widjojo Kangmasto Commissioner
2 Halim Alamsyah Vice President Commissioner Board of Directors
(Independent)
3 Peter Benyamin Stok Independent Commissioner No Name Position
4 Nobuya Kawasaki Commissioner
1 I Dewa Made Susila President Director
5 Hedy Maria Helena Lapian Independent Commissioner
2 Swandajani Gunadi Director
6 Dan Harsono Commissioner
3 Niko Kurniawan Director
Bonggowarsito
Board of Directors
4 Harry Latif*) Director
No Name Position 5 Denny Riza Farib Director
1 Daisuke Ejima President Director 6 Sylvanus Gani Kukuh Director
Mendrofa
2 Honggo Widjojo Kangmasto Vice President Director
7 Sigit Hendra Gunawan Director
3 Herry Hykmanto Director
8 Ricky Gunawan**) Director
4 Rita Mirasari Director
*) Submitted resignation on October 31, 2025.
5 Dadi Budiana Director **) Effective since June 30, 2025.
6 Thomas Sudarma Director
7 Jin Yoshida **)
Director
8 Yenny Siswanto*) Director
*) Effective since June 5, 2025.
**) The Director who carries out the function or unit responsible for
managing the MUFG FC, effective June 24, 2025.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 431
Page 434
PT Home Credit Indonesia
Board of Commissioners Board of Directors
No Name Position No Name Position
1 Chandrashekar President Commissioner 1 Animesh Narang President Director
Subramanian 2 Aditya Kesuma Director
Krishoolndmangalam
3 Yusron Anas Director
2 Dan Harsono Commissioner
4 Manu Pal Director
3 I Dewa Made Susila Commissioner
5 Epivania Caroline Galag Director
4 I Nyoman Tjager Independent Commissioner
6 Sylvia Lazuarni Director
7 Dolly Susanto Director
8 Cahyadi Poernomo Director
9 Ghayatri Shima Director
10 Lenz Tan Director*)
*) Subject to acknowledgment from Ministry of Law (Dirjen AHU)
Governance
Corporate
FSI Member of
FHC Danamon
MUFG Financial Conglomeration
General Meeting of Shareholders General Meeting of Shareholders*
Sharia BOC of FSI Member*
BOC Danamon
Supervisory Board
Integrated Corporate
BOC Committees Governance Committee BOC Committees
Audit Committee Audit Committee
BOD Danamon BOD of FSI Member*
Integrated Risk Management
Committee
BOD Committees
Risk Management
IRMU BOD Committees
Function
Compliance
ICWU
Function
Internal Audit
IIAWU
Function
Other Function Other Function
IRMU : Integrated Risk Management Working Unit ICWU : Integrated Compliance Working Unit IIAWU : Integrated Internal Audit Working Unit
Coordination and monitoring function
* can be adjusted to the internal organs of the FSI Member of MUFG FC in consideration of the type of FSIs,
company’s needs, Articles of Association and prevailing rules and regulations in accordance with the industry
they are operating in.
The corporate governance implementation of each Both policies serve as the Governance Framework
FSI within the MUFG FC, including the BOC and BOD for the implementation of corporate governance
Committees, is disclosed in each FSI’s annual report. by the Operational FHC and the members of the
MUFG FC.
INTEGRATED CORPORATE GOVERNANCE
POLICY DUTIES AND RESPONSIBILITIES OF THE BOC
As the Operational FHC, Danamon has established AND THE BOD OF THE OPERATIONAL FHC
and updated the Bank’s corporate governance policy, MUFG FC
which has been approved by the Danamon Board of 1. The Duties and responsibilities of the Operational
Directors and has obtained recommendations from FHC’s Board of Commissioners
the BOC and the Danamon Corporate Governance a. Overseeing the implementation of Integrated
Committee. Corporate Governance with duties and
responsibilities of at least:
The MUFG FC has established and updated the 1) overseeing the implementation of
Integrated Corporate Governance Policy, which has Corporate Governance at each FSI to
been approved by the BOC and BOD of the Operational ensure that it is in accordance with the
FHC, and has obtained recommendations from the Integrated Corporate Governance Policy;
Integrated Corporate Governance Committee. 2) overseeing the duties and responsibilities
of the BOD of the FHC as well as providing
432 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 435
guidance or advice to the BOD of the IMPLEMENTATION OF DUTIES AND
FHC on the implementation of Integrated RESPONSIBILITIES IN 2025
Corporate Governance Policy; and 1. Implementation of Duties and responsibilities of
3) Evaluating the Integrated Corporate the Operational FHC’S Board of Commissioners
Governance Policy and providing The execution of the duties of the BOC of the
recommendations for improvements. Operational FHC in supervising the implementation
b. Establish an Integrated Corporate Governance of Integrated Corporate Governance is supported
Committee in order to support the effectiveness by the ICG Committee. The ICG Committee is
of the implementation of its duties. responsible for evaluating the implementation
c. Hold periodic meetings at least 1 (one) time of Integrated Corporate Governance, and for
per semester with the following provisions: reporting the results of such evaluations to the
1) The FHC’s BOC meetings may be held via BOC of the Operational FHC.
video conference;
2) The FHC’s BOC meetings are recorded During 2025, the BOC of the Operational FHC held
in the minutes of meetings and are well 6 (six) internal meetings and 3 (three) meetings
documented. joint meetings the BoD of the Operational FHC.
Governance
Corporate
d. Dissenting opinions that occur in the meetings There were 3 (three) Operational FHC of BOC
of the BOC of the FHC are noted clearly in the meetings with agenda to discuss the report of the
minutes of the meeting along with the reasons ICG Committee.
for dissent.
2. Implementation of Duties and responsibilities of
2. The Duties and responsibilities of the Operational the Operational FHC’s Board of Directors
FHC’s Board of Directors The BOD of the Operational FHC with input,
a. Ensuring the implementation of Integrated recommendations and direction from the BOC
Corporate Governance in the MUFG FC with and the ICG Committee updated the Integrated
the following duties and responsibilities: Corporate Governance Policy MUFG FC. The BOD
1) prepare the Integrated Corporate of the Operational FHC carried out its supervisory
Governance Policy; function over FSIs within the MUFG FC through
2) direct, monitor and evaluate implementation reports and meetings held throughout 2025.
of Integrated Corporate Governance
Policy; and The BOD, through reports and meetings held,
3) follow up on the recommendations or also ensured follow-ups on and improvements
advice from BOC of the FHC to enhance to audit findings and recommendations from the
the Integrated Corporate Governance Integrated Internal Audit Working Unit, External
Policy. Auditors, and results of oversight by the OJK and/
b. Ensuring that the audit findings and or other Authorities.
recommendations of Integrated Internal
Audit Working Unit, External Auditor, and In May 2025, an examination was conducted by
supervisory results of the OJK and/or other the OJK FC Supervisor on the MUFG FC. Based
authority bodies have been followed up by the on the results of such examination, several
FSI in the FC. commitments were established, with the latest
c. The Director of FHC who oversees the completion deadline set for September 30, 2026.
functions or management units of the FC shall
perform supervisory functions over the FSI As of December 31, 2025, the fulfilment status
within the FC. of follow‑up commitments arising from the 2024
OJK FC examination has reached 90%, with the
DUTIES AND RESPONSIBILITIES OF THE latest deadline set for March 31, 2026.
OPERATIONAL FHC’S SHARIA SUPERVISORY
BOARD Throughout 2025, there were no regulatory audit
1. Ensuring that the implementation of integrated follow‑up obligations that exceeded the deadlines
corporate governance does not conflict with agreed with the Regulator.
Sharia principles.
2. Overseeing the activities of financial service
institutions to keep them in adherence to Sharia
principles.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 433
Page 436
To support the effectiveness of its oversight duties, the BOD of the Operational FC also sit as members of the
BOC in subsidiaries, as given below:
Position in Operasional FHC
Name Position in Subsidiary of FC’s member
(Danamon)
Daisuke Ejima President Director President Commissioner of PT Adira Dinamika Multi Finance Tbk
Honggo Widjojo Kangmasto Vice President Director Commissioner of PT Adira Dinamika Multi Finance Tbk
INTEGRATED CORPORATE GOVERNANCE Further details on the Integrated Corporate
COMMITTEE Governance Committee’s Charter, Duties,
In accordance with POJK No. 18/POJK.03/2014 and Responsibilities, Authority, Structure, Membership,
SEOJK No. 15/SEOJK.03/2015 on the Implementation Expertise and Legal Basis for Appointment,
of Integrated Corporate Governance for Financial Member Independency, Term of Office, Policies and
Conglomerates and POJK No. 30 Year 2024 on Convention of Integrated Corporate Governance
Financial Conglomerates and Financial Holding Committee Meetings, and Implementation of Duties
Governance
Corporate
Companies, Danamon as the Operational FHC has of the Integrated Corporate Governance Committee
established an ICG Committee. The ICG Committee in 2025 can be seen in the Corporate Governance
was established to support the effectiveness of the Implementation Report in the Integrated Corporate
duties of the BOC of the Operational FHC and to assist Governance Committee section.
the BOC of the Operational FHC in its supervisory
function related to the implementation of integrated CORPORATE CHARTER
corporate governance within the MUFG FC. Danamon, in its capacity as the Operational FHC,
has established the MUFG FC Corporate Charter as
mandated under POJK No. 30 Year 2024 on Financial
Conglomerates and Financial Holding Companies.
The Corporate Charter was issued in December 2025
and has been duly submitted to OJK FC Supervisor.
434 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 437
INTEGRATED
COMPLIANCE WORKING UNIT
Based on POJK No. 18/POJK.03/2014 on the Implementation of Integrated Corporate Governance for Financial
Conglomerates and POJK No. 30 Year 2024 on the Financial Conglomerate and Financial Holding Company,
Danamon’s CWU also acts as an Integrated Compliance Working Unit (ICWU) that oversees the implementation
of the compliance function in the MUFG FC through regular and intensive coordination with the CWU of FC’s
members. Danamon’s CWU is an independent working unit or separate from the operational working unit at
the FHC.
The structure of the MUFG FC, effective December 31, 2025 is as follows:
Governance
Corporate
Mitshubishi UFJ Financial Group
(MUFG) Bank, Jepang
76.88%
Krungsri (Bank of Ayudya)
Thailand
Outside Indonesia
92.47%
Indonesian Territory
PT Bank Danamon
Indonesia Tbk
74.50%
PT Adira Dinamika Multi Finance Tbk 18.92%
(ADMF)
75%
PT Home Credit Indonesia 9.82%
(HCI)
MUFG Financial Conglomeration
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 435
Page 438
MEMBERSHIP STRUCTURE
The membership composition of the MUFG FC, effective December 31, 2025 is as follows:
Position of Financial
No. Company Business
Conglomeration Members
1 PT Bank Danamon Indonesia Tbk Bank Operational FHC
2 PT Adira Dinamika Multi Finance Tbk Financing Company Member
3 PT Home Credit Indonesia Financing Company Member
INTEGRATED COMPLIANCE WORKING UNIT DUTIES AND RESPONSIBILITIES
Duties and Responsibilities of the ICWU is a follows:
1. Monitor and evaluate the implementation of the compliance function at each FSI in the MUFG FC;
2. Coordinate within each CWU of MUFG FC members in accordance with their functions;
3. Monitor corrective actions on compliance issues submitted by each member of the MUFG FC, including
the fulfillment of follow-up on Regulatory audit findings; and
4. Conduct self-assessment on the implementation of integrated compliance risk management in accordance
Governance
Corporate
with regulations and internal methodologies.
IMPLEMENTATION OF INTEGRATED COMPLIANCE WORKING UNIT DUTIES AND
RESPONSIBILITIES IN 2025
The ICWU has carried out its duties and responsibilities, among others:
1. Prepared the corporate charter in relation to the Danamon’s approval as the Operational FHC and submitting
it to the OJK FC Supervisor.
2. Updated the integrated corporate governance policy in connection with the Bank’s approval as an
Operational FHC and the issuance of POJK No. 30 Year 2024.
3. Ensured that the compliance function in each FSIs in the MUFG FC had been set independently and
supported by adequate compliance policies or guidelines.
4. Coordinated and monitored the implementation of Subsidiaries’ compliance function, including serving as
consultative function on compliance.
5. Periodically ensured the Subsidiaries’ compliance with regulatory parameters.
6. Reviewed reports on the implementation of compliance functions submitted by Subsidiaries on a quarterly
basis.
7. Coordinated and reported changes in FC members to the OJK.
8. Informed all new relevant regulations to Subsidiaries.
9. Monitoring the implementation of the compliance function of FC members based on reports submitted to
the Bank’s CWU on a regular basis.
10. Monitored follow-up/commitment to improve the results of audit conducted by the OJK.
11. Conducted an integrated compliance risk assessment and prepared an integrated compliance risk profile
report.
12. Coordinated assessments and compiled the results of integrated corporate governance self-assessments
on a semi-annual basis.
436 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 439
INTEGRATED INTERNAL AUDIT
WORKING UNIT
Structure and Position of Integrated Internal Audit Working Unit (IIAU)
President Director Audit Committee Board of Commissioners
Governance
Corporate
Integrated Internal Audit Working Unit
(IAU Danamon)
IAU of the Financial Conglomerate IAU of the Financial Conglomerate
Member Member
PT Adira Dinamika Multi Finance Tbk PT Home Credit Indonesia
Danamon as Financial Conglomerates Holding Company (FHC) in MUFG Financial Conglomeration has an
Integrated Internal Audit Working Unit (IIAU), an independent unit from other operating units, which the
implementation of its duties and responsibilities carried out by IIAU Danamon. IIAU reports to Danamon
President Director and Board of Commissioner via Audit Committee, and monitors the implementation of
internal audit of IAU Financial Conglomerate members.
Since August 12, 2019, Integrated Internal Audit Working Unit (IIAU) has been led by Yenny Linardi as Chief
Internal Auditor (Head of IAU) replacing Nathan Tanuwidjaja as an acting Head of IAU, based on appointment
letter No. B.194/HCKP/0819. This appointment has been reported to FSA based on Director Letter No. B.748
– DIR dated August 15, 2019 regarding Report on Dismissal of the Acting Head of IAU and Appointment of the
Head of IAU PT Bank Danamon Indonesia Tbk (Company).
Further details of IIAU including duties and responsibilities, 2025 internal audit priorities as well as plans and
realization of audits as of December 31, 2025 can be seen in the Corporate Governance Report regarding
Internal Audit Unit (IAU).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 437
Page 440
IMPLEMENTATION OF
INTEGRATED RISK
MANAGEMENT
MUFG FINANCIAL CONGOMERATION FHC’s SME Credit Director, appointed Directors
INTEGRATED RISK MANAGEMENT POLICY from FC member, and appointed relevant
AND ITS IMPLEMENTATION FHC’s Executive Officers. The Chairman of
Danamon, as the Financial Holding Company the Committee is the FHC’s Risk Management
(FHC), has an Integrated Risk Management Policy Director.
for the MUFG Financial Conglomeration (FC), which
has been prepared and reviewed periodically based The IRMC holds meetings periodically and
Governance
Corporate
on the applicable provisions of the FSA. Integrated at least once every 6 months. Each member
Risk Management policy of MUFG FC serves as as an individual or group can request other
the umbrella policy covering a risk management meetings to discuss very important topics/
framework and as a guideline for integrated risk issues with a 1x24 hour prior notice to the
management within the MUFG FC. Danamon’s committee. The IRMC meeting shall be
Risk Management Directorate is responsible for chaired by the Chairman of the Committee.
developing an overall risk management strategy that Should the Chairman be unable to attend, then
includes policies, methodologies, frameworks, limits, the meeting shall be chaired by an Alternate
procedures and controls on a regular basis. In 2025, Chairman.
a review of this Integrated Risk Management policy 2. Integrated Risk Management Working Unit
of MUFG FC has been conducted. (IRMWU)
Danamon as the FHC formed Risk Management
Implementation of Integrated Risk Management is Directorate which has role and responsibility
carried out as follows: as IRMWU in the implementation of integrated
a. Active Supervision of FHC’s Board of Directors, risk management within MUFG FC.
Board of Commissioners, and Sharia Supervisory
Board The Risk Management Directorate is a separate and
Implementation of Integrated Risk Management independent working unit from risk taking unit and
involves active supervision and oversight from the internal control working unit.
the FHC’s BOD, BOC, and Sharia Supervisory
Board. In supporting the effective integrated risk In carrying out its function as an IRMWU, the
management implementation, FHC’s BOD, BOC, Danamon’s Risk Management Directorate coordinates
and Sharia Supervisory Board should understand with the risk management working unit in each FSI
the risks in the FC, develop a risk culture, and in the MUFG FC, with the following authorities and
ensure each FSI in MUFG FC implements the risk responsibilities:
management. In its implementation, an Integrated a. Give the input to FHC’s Board of Directors and
Risk Management Committee was established. IRMC in the preparation and improvement of
Integrated Risk Management Policy.
b. Integrated Risk Management Organization b. Monitor the implementation of Integrated Risk
In order to have a more comprehensive and Management Policy including to develop the
effective Integrated Risk Management, the FHC procedures and tools for risk identification,
has set up an Integrated Risk Management measurement, monitoring, and control.
Committee and an Integrated Risk Management c. Conduct the risk monitoring on FC by monitoring
Working Unit. the risk profile of each FSI within FC, both
1. Integrated Risk Management Committee individually and integrated, including the risk level
(IRMC) of each type of risk in an integrated manner.
The membership of the MUFG FC Integrated d. Conducts stress testing on a consolidated basis
Risk Management Committee consists of the with FC members in accordance with applicable
FHC’s Risk Management Director, Director accounting standards. FC members whose
in charge of FC, FHC’s Compliance Director, financial statements have not been consolidated
438 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 441
with FHC’s financial statements, will conduct INTRA-GROUP TRANSACTION POLICY
stress testing on their entities and inform FHC of Intra-Group Transaction Risk is the risk due to the
the results of the stress testing conducted to be dependence of an entity either directly or indirectly
integrated into the FC’s stress testing. to other entities in FC in order to fulfill a contractual
e. Conduct periodically review on the risk obligation of written or unwritten agreement which
measurement methods, adequacy of management followed by either transfer the funds or not.
information system, and accuracy of the risk
policies, procedures, and limit in an integrated Intra-Group Transaction Risk Management is
manner. implemented with due consideration of transactions
f. Review the proposals of new line of business between entities within the MUFG FC. Danamon,
that are strategic and significantly affect FC’s as the FHC, has governed the implementation of
risk exposures. New line of business can be in intra-group transaction risk management in the
the form of an entity that is part of FC enter in Intra-Group Transaction Guideline and reviews it
a new market segment that can increase the risk periodically. Intra-group transaction limits are set
exposure of FC. through coordination between Danamon as the FHC
g. Provide the information to IRMC regarding the and FC Members of the MUFG FC.
Governance
Corporate
matters that need to be followed up related to
the evaluation of Integrated Risk Management The implementation of Intra-Group Transaction
implementation. Risk Management involves identifying, measuring,
h. Prepare and deliver the integrated risk profile monitoring and controlling risks, and management
report regularly to Risk Management Director and information systems. Intra-Group Transaction Risk
IRMC. can arise from, among others:
- Cross-ownership between entities within the FC.
Further details on the Implementation of Risk - Centralization of short-term liquidity management.
Management can be seen in the chapter Operational - The guarantee, loans, and commitments provided
Review with Sub chapter Risk Management in this or obtained by an entity from other entities within
Annual Report. the FC.
- Exposure to major shareholders, including
loan and off-balance sheet exposures such as
guarantees and commitments.
- Purchase or sale of assets to other entities within
a FC.
- Transfer of risk through reinsurance.
- Transactions to shift third-party’s risk exposure
between entities within a FC.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 439
Page 442
SELF-ASSESSMENT OF THE
IMPLEMENTATION OF
INTEGRATED CORPORATE
GOVERNANCE IN 2025
Based on SEOJK No.15/SEOJK.03/2015 on the SELF-ASSESSMENT CRITERIA
Implementation of Integrated Corporate Governance 7 (seven) assessment factors of ICG implementation,
for Financial Conglomerates, self-assessment of the namely:
implementation of Integrated Corporate Governance 1. The implementation of the duties and
(ICG) is carried out every semester which includes responsibilities of the FHC’s BOD.
Governance
Corporate
an assessment of 3 (three) aspects of ICG, namely: 2. The implementation of the duties and
1. ICG Structure responsibilities of the FHC’s BOC.
Assessment of the ICG structure aims to assess 3. The duties and responsibilities of the ICG
the adequacy of the structure and infrastructure Committee.
so that the ICG implementation process produces 4. The duties and responsibilities of the ICWU.
outcome in accordance with the expectations of 5. The duties and responsibilities of the IIAU.
Stakeholders. 6. The implementation of Integrated Risk
2. ICG Process Management.
Assessment of the ICG process aims to assess 7. The preparation and implementation of Integrated
the effectiveness of the ICG implementation Corporate Governance Guidelines.
process supported by the adequacy of structures
and infrastructure that produce outcome in PARTIES CONDUCTING SELF-ASSESSMENT
accordance with Stakeholder expectations. The process of self-assessment of the implementation
3. ICG Outcome of ICG was conducted by members of the ICG
Assessment of ICG outcomes aims to assess the Committee by evaluating the adequacy of the
quality that meets Stakeholder expectations. structure, process, and outcome of ICG in each
assessment factor and considering other information
that is significant and relevant in the implementation
of ICG.
RESULTS OF SELF-ASSESSMENT OF THE IMPLEMENTATION OF INTEGRATED CORPORATE
GOVERNANCE IN 2025
The following are the results of the self-assessment of ICG implementation in the 1st and 2nd semesters of
2025:
Rating Rating Definition
The Financial Conglomeration was assessed to have implemented Integrated Corporate
Governance which was generally Good. This was reflected in the adequate fulfillment
of the implementation of Integrated Coporate Governance principles. If there were
2 weaknesses in the implementation of Integrated Corporate Governance, in general the
weaknesses were less significant and could be resolved with normal actions by the FHC
and/or FSI.
Based on the assessment results of 7 (seven) assessment factors of the implementation of ICG, MUFG FC
has adequate governance structure and infrastructure that supports the effectiveness of the process of
implementing good ICG principles and the quality of the implementation of ICG principles that can meet the
expectations of Stakeholders, resulting in generally good ICG implementation results in MUFG FC.
440 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 443
IMPLEMENTATION OF THE
ASEAN CORPORATE
GOVERNANCE SCORECARD
(ACGS)
ASEAN CAPITAL MARKETS FORUM
REVISED OCTOBER 2023 | VER. 2 MARCH 2024
https://www.theacmf.org/images/downloads/pdf/ACGS%20version%202_revised0324%20(200324).pdf
Governance
Corporate
No. Principles and Recommendations Pages
A. Rights of Shareholders
A.1 Basic shareholder rights
A.1.1 Does the company pay (interim and final/annual) dividends in an equitable and timely manner;
that is, all shareholders are treated equally and paid within 30 days after being (i) declared for
interim dividends and (ii) approved by shareholders at general meetings for final dividends? 135
In case the company has offered Scrip dividend, did the company paid the dividend within
60 days.
A.2 Right to participate effectively in and vote in general shareholder meetings and should be
informed of the rules, including voting procedures, that govern general shareholder meetings.
A.2.1 Do shareholders have the opportunity, evidenced by an agenda item, to approve remuneration
(fees, allowances, benefit-in-kind and other emoluments) or any increases in remuneration 295,298,314-315,352-353
for the non-executive directors/commissioners?
A.2.2 Does the company provide non-controlling shareholders a right to nominate candidates for
295,299
board of directors/commissioners?
A.2.3 Does the company allow shareholders to elect directors/commissioners individually? 295
A.2.4 Does the company disclose the voting procedures used before the start of meeting? 295, 295-296
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - AGMS Rule
of Conduct)
A.2.5 Do the minutes of the most recent AGM record that the shareholders were given the 295,296-297
opportunity to ask questions and the questions raised by shareholders and answers given
https://www.danamon.co.id/
recorded?
tentang-danamon/Informasi-
Investor/RUPS (Announcement of
Meeting’s Resolution)
A.2.6 Does the company disclose the voting results including approving, dissenting, and abstaining
297-299
votes for all resolutions/each agenda item for the most recent AGM?
A.2.7 Does the company disclose the list of board members who attended the most recent AGM? 296-297
A.2.8 Does the company disclose that all board members and the CEO (if he is not a board member)
296-297
attended the most recent AGM?
A.2.9 Does the company allow voting in absentia? 295-296
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - AGMS Rule
of Conduct)
A.2.10 Did the company vote by poll (as opposed to by show of hands) for all resolutions at the most
295-296
recent AGM?
A.2.11 Does the company disclose that it has appointed an independent party (scrutineers/
296
inspectors) to count and/or validate the votes at the AGM?
A.2.12 Does the company make publicly available by the next working day the result of the votes 297
taken during the most recent AGM/EGM for all resolutions? https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (Announcement of
Meeting’s Resolution)
A.2.13 Does the company provide at least 21 days notice for all AGMs and EGMs? 297
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (Announcement of
Meeting’s Resolution)
A.2.14 Does the company provide the rationale and explanation for each agenda item which require
295, 295-296
shareholders’ approval in the notice of AGM/circulars and/or the accompanying statement?
A.2.15 Does the company give the opportunity for shareholders to place item/s on the agenda of
295, 295-296
general meetings and/or to request for general meetings subject to a certain percentage?
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 441
Page 444
No. Principles and Recommendations Pages
A.3 Markets for corporate control should be allowed to function in an efficient and transparent
manner.
A.3.1 In cases of mergers, acquisitions and/or takeovers requiring shareholders’ approval, does the Yes.
board of directors/commissioners of the company appoint an independent party to evaluate However, Danamon did not carry
out any acquisition process in
the fairness of the transaction price?
2025.
A.4 The exercise of ownership rights by all shareholders, including institutional investors, should
be facilitated.
A.4.1 Does the company disclose its practices to encourage shareholders to engage with the
295,404,412
company beyond general meetings?
A.5 Shares and voting rights
A.5.1 Where the company has more than one class of shares, does the company publicise the 294, 295
voting rights attached to each class of shares (e.g. through the company website / reports/ https://www.danamon.co.id/
tentang-danamon/Informasi-
the stock exchange/ the regulator's website)?
Investor/RUPS (2025 - AGMS Rule
of Conduct)
A.6 Notice of AGM
A.6.1 Does each of the resolutions tabled at the most recent annual general meeting deal with only
297-299
one item, i.e., there is no bundling of several items into the same resolution?
Governance
Corporate
A.6.2 Are the company's notice of the most recent AGM/circulars fully translated into English and 297
published on the same date as the local-language version? https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - AGMS Rule
of Conduct)
Does the notice of AGM/circulars have the following details:
A.6.3 Are the profiles of directors/commissioners ( at least age, academic qualification, date of first 297
appointment, experience, and directorships in other listed companies) in seeking election/ https://www.danamon.co.id/
tentang-danamon/Informasi-
re-election included?
Investor/RUPS (2025 - Invitation)
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - Profile
the Candidate of the Board of
Director’s Member)
A.6.4 Are the auditors seeking appointment/re-appointment clearly identified? 297
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 -
Announcement)
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - Profile of
the Public Accountant and Public
Accountant Firm)
A.6.5 Were the proxy documents made easily available? https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - Power of
Attorney to Attend - Legal Entity
Shareholders)
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - Power of
Attorney to Attend - Custodian)
https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 - Power of
Attorney to Attend - Individual)
A.7 Insider trading and abusive self-dealing should be prohibited.
A.7.1 Are the directors/commissioners required to report their dealings in company shares within
306,314,346,352,409
3 business days?
A.8 Related party transactions by directors and key executives.
A.8.1 Does the company have a policy requiring a committee of independent directors/ 327
commissioners to review material RPTs to determine whether they are in the best interests of Yes, the company has an
established policy related to this
the company and shareholders?
matter.
A.8.2 Does the company have a policy requiring board members (directors/commissioners) to
abstain from participating in the board discussion on a particular agenda when they are 305-306, 344-346, 376
conflicted?
A.8.3 Does the company have policies on loans to directors and commissioners either forbidding 399
this practice or ensuring that they are being conducted at arm's length basis and at market Yes, the company has an
established policy related to this
rates?
matter.
A.9 Protecting minority shareholders from abusive actions
A.9.1 Does the company disclose that RPTs are conducted in such a way to ensure that they are
399
fair and at arms' length?
A.9.2 In case of related party transactions requiring shareholders' approval, is the decision made
Yes
by disinterested shareholders?
442 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 445
No. Principles and Recommendations Pages
B. Sustainability and Resilience
B.1 Sustainability-related disclosure should be consistent, comparable and reliable, and include
retrospective and forward-looking material information that a reasonable investor would
consider important in making an investment or voting decision.
Material Sustainability-related information should be specified.
B.1.1 Does the company identify/report ESG topics that are material to the organization’s strategy? 483
B.1.2 Does the company identify climate change as an issue? 483
B.1.3 Does the company adopt an internationally recognized reporting framework or standard for
515
sustainability (i.e. GRI, Integrated Reporting, SASB, IFRS Sustainability Disclosure Standards)?
If a company publicly sets a sustainability-related goal or target, the disclosure framework
should provide that reliable metrics are regularly disclosed in an easily accessible form.
B.1.4 Does the company disclose quantitative sustainability target? 480,487
B.1.5 Does the company disclose sustainability-related performance progress in relation to its
487
previously set targets?
B.1.6 Does the company confirm that its Sustainability Report/Reporting is reviewed and/or
38-39
approved by the Board or Board Committee?
B.2 Corporate governance frameworks should allow for dialogue between a company, its
Governance
Corporate
shareholders and stakeholders to exchange views on sustainability matters.
B.2.1 Does the company engage internal stakeholders to exchange views and gather feedback on
482,516
sustainability matters that are material to the business of the company?
B.2.2 Does the company engage external stakeholders to exchange views and gather feedback on
482,554-556
sustainability matters that are material to the business of the company?
B.3 The corporate governance framework should ensure that boards adequately consider
material sustainability risks and opportunities when fulfilling their key functions in reviewing,
monitoring and guiding governance practices, disclosure, strategy, risk management and
internal control systems, including with respect to climate-related physical and transition
risks.
Boards should assess whether the company’s capital structure is compatible with its strategic
goals and its associated risk appetite to ensure it is resilient to different scenarios.
B.3.1 Does the company disclose that the board reviews on an annual basis that the company’s
capital and debt structure is compatible with its strategic goals and its associated risk 133,317,368-369
appetite?
B.4 The corporate governance framework should recognise the rights of stakeholders established
by law or through mutual agreements and encourage active co-operation between
corporations and stakeholders in creating wealth, jobs, and the sustainability of financially
sound enterprises.
Does the company disclose a policy and practices that address:
B.4.1 The existence and scope of the company's efforts to address customers' welfare? 483.
Note: Financial inclusion and
community development
are material issues in BDI’s
Sustainability Report (SR),
categorized under the Responsible
Workplace Management pillar.
B.4.2 Supplier/contractor selection procedures? 479
B.4.3 The company's efforts to ensure that its value chain is environmentally friendly or is consistent
479
with promoting sustainable development?
B.4.4 The company's efforts to interact with the communities in which they operate? 500-503
B.4.5 The company's anti-corruption programmes and procedures? 419
B.4.6 How creditors' rights are safeguarded? 426
B.4.7 Does the company have a separate report/section that discusses its efforts on environment/
472-516
economy and social issues?
B.5 Where stakeholder interests are protected by law, stakeholders should have the opportunity
to obtain effective redress for violation of their rights.
B.5.1 Does the company provide contact details via the company's website or Annual Report which
stakeholders (e.g. customers, suppliers, general public etc.) can use to voice their concerns 411,422,503,514
and/or complaints for possible violation of their rights?
B.6 Mechanisms for employee participation should be permitted to develop.
B.6.1 Does the company explicitly disclose the policies and practices on health, safety and welfare
272,273,508
for its employees?
B.6.2 Does the company explicitly disclose the policies and practices on training and development
504
programmes for its employees?
B.6.3 Does the company have a reward/compensation policy that accounts for the performance of
275,505
the company beyond short-term financial measures?
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 443
Page 446
No. Principles and Recommendations Pages
B.7 Stakeholders including individual employee and their representative bodies, should be able to
freely communicate their concerns about illegal or unethical practices to the board and their
rights should not be compromised for doing this.
B.7.1 Does the company have a whistle blowing policy which includes procedures for complaints
by employees and other stakeholders concerning alleged illegal and unethical behaviour and 422
provide contact details via the company's website or annual report?
B.7.2 Does the company have a policy or procedures to protect an employee/person who reveals
422
alleged illegal/unethical behaviour from retaliation?
C. Disclosure and Transparency
C.1 Transparent ownership structure
C.1.1 Does the information on shareholdings reveal the identity of beneficial owners, holding 5%
86,87,294
shareholding or more?
C.1.2 Does the company disclose the direct and indirect (deemed) shareholdings of major and/or
86,90,430
substantial shareholders?
C.1.3 Does the company disclose the direct and indirect (deemed) shareholdings of directors
86,314,352,409
(commissioners)?
C.1.4 Does the company disclose the direct and indirect (deemed) shareholdings of senior
86
management?
Governance
Corporate
C.1.5 Does the company disclose details of the parent/holding company, subsidiaries, associates,
90-92
joint ventures and special purpose enterprises/vehicles (SPEs)/(SPVs)?
C.2 Quality of Annual Report
Does the company's annual report disclose the following items:
C.2.1 Corporate objectives 47
C.2.2 Financial performance indicators 8-10
C.2.3 Non-financial performance indicators 104
C.2.4 Dividend policy 135
C.2.5 Biographical details (at least age, academic qualifications, date of first appointment, relevant
62-67,68-75
experience, and any other directorships of listed companies) of all directors/commissioners
Corporate Governance Confirmation Statement
C.2.6 Does the Annual Report contain a statement confirming the company's full compliance with
the code of corporate governance and where there is non-compliance, identify and explain 289-293,385,401
reasons for each such issue?
C.3 Remuneration of Members of the Board and Key Executives
C.3.1 Is there disclosure of the fee structure for non-executive directors/commissioners? 314-315,352-353,406-408
C.3.2 Does the company publicly disclose [i.e. annual report or other publicly disclosed documents]
314-315,352-353,406-408
details of remuneration of each non-executive director/commissioner?
C.3.3 Does the company disclose its remuneration (fees, allowances, benefit-in-kind and other
emoluments) policy/practices (i.e. the use of short term and long term incentives and 352-353,405-408
performance measures) for its executive directors and CEO?
C.3.4 Does the company publicly disclose [i.e. annual report or other publicly disclosed documents]
the details of remuneration of each of the executive directors and CEO [if he/she is not a 352-353,405-408
member of the Board]?
C.4 Disclosure of related party transactions (RPT)
C.4.1 Does the company disclose its policy covering the review and approval of material RPTs? 135,4 10
C.4.2 Does the company disclose the name, relationship, nature and value for each material RPTs? 135,410
C.5 Directors and commissioners dealings in shares of the company
C.5.1 Does the company disclose trading in the company's shares by insiders? 409,420
C.6 External auditor and auditor report
Where the same audit firm is engaged for both audit and non-audit services
C.6.1 Are the audit and non-audit fees disclosed? 395-396
C.6.2 Does the non-audit fee exceed the audit fees? 395-396
C.7 Medium of communications
Does the company use the following modes of communication?
C.7.1 Quarterly reporting 379,404
C.7.2 Company website 45,411,413
C.7.3 Analyst's briefing 404,411,412
C.7.4 Media briefings/press conferences 45,411,412,413
C.8 Timely filing/release of annual/financial reports
C.8.1 Are the audited annual financial report / statement released within 120 days from the financial
560-573
year end?
C.8.2 Is the annual report released within 120 days from the financial year end? 38-39
C.8.3 Is the true and fairness/fair representation of the annual financial statement/reports affirmed
38-39
by the board of directors/commissioners and/or the relevant officers of the company?
444 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 447
No. Principles and Recommendations Pages
C.9 Company website
Does the company have a website disclosing up-to-date information on the following:
C.9.1 Financial statements/reports (latest quarterly) https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/Financial-Information
(Quarterly Published Reports)
C.9.2 Materials provided in briefings to analysts and media https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor (Analyst Briefing FY25
Financial Result)
C.9.3 Downloadable annual report https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/Annual-and-Sustainability-
Reports
C.9.4 Notice of AGM and/or EGM https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS (2025 -
Announcement and Invitation)
C.9.5 Minutes of AGM and/or EGM https://www.danamon.
co.id/tentang-danamon/
Informasi-Investor/RUPS (2025
Governance
Corporate
- Announcement of Meeting’s
Resolution)
C.9.6 Company's constitution (company's by-laws, memorandum and articles of association) https://www.danamon.co.id/-/
media/ALL%20CONTENT%20
ABOUT%20DANAMON/
RUPS/2025/11042025/
Summary%20Akta%20No%20
122%20tanggal%2021%20
Maret%202025%20_bilingual%20
(1).pdf
C.10 Investor relations
C.10.1 Does the company disclose the contact details (e.g. telephone, fax, and email) of the officer /
45,411
office responsible for investor relations?
D Responsibilities of the Board
D.1 Board Duties and Responsibilities
Clearly defined board responsibilities and corporate governance policy
D.1.1 Does the company disclose its corporate governance policy / board charter? 287,303,342
https://www.danamon.co.id/
tentang-danamon/tata-kelola/
Pedoman-Tata-Kelola-Perusahaan
https://www.danamon.co.id/
tentang-danamon/tata-kelola/
Pedoman-Kerja-Pelatihan-Dewan-
Komisaris-dan-Direksi
D.1.2 Are the types of decisions requiring board of directors/commissioners' approval disclosed? 306-308,346-348
D.1.3 Are the roles and responsibilities of the board of directors/commissioners clearly stated? 306-308,346-348
Corporate Vision/Mission
D.1.4 Does the company have an updated vision and mission statement? 47
D.1.5 Does the board of directors play a leading role in the process of developing and reviewing the
31-33,346-348,358
company's strategy at least annually?
D.1.6 Does the board of directors have a process to review, monitor and oversee the implementation
31-33
of the corporate strategy?
D.2 Board structure
Code of Ethics or Conduct
D.2.1 Are the details of the code of ethics or conduct disclosed? 418
https://www.danamon.co.id/
tentang-danamon/tata-kelola/
Kode-Etik
D.2.2 Are all directors/commissioners, senior management and employees required to comply with
418
the code/s?
D.2.3 Does the company have a process to implement and monitor compliance with the code/s of
418
ethics or conduct?
Board Structure & Composition
D.2.4 Do independent directors/commissioners make up at least 50% of the board of directors/
309,350
commissioners?
D.2.5 Does the company have a term limit of nine years or less or 2 terms of five years1 each for its
independent directors/ commissioners?
309, 350-351
1) The five years term must be required by legislation which pre-existed the introduction of the
ASEAN Corporate Governance Scorecard in 2011
D.2.6 Has the company set a limit of five board seats that an individual independent/non-executive
313,352
director/commissioner may hold simultaneously?
D.2.7 Does the company have any executive directors who serve on more than two boards of listed
313,352
companies outside of the group?
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 445
Page 448
No. Principles and Recommendations Pages
Nominating Committee
D.2.8 Does the company have a Nominating Committee? 333-336
D.2.9 Is the Nominating Committee comprised of a majority of independent directors/commissioners? 333,334
D.2.10 Is the chairman of the Nominating Committee an independent director/commissioner? 335
D.2.11 Does the company disclose the terms of reference/ governance structure/charter of the 333
Nominating Committee? https://www.danamon.co.id/
tentang-danamon/tata-kelola/
Keanggotaan-Pedoman-dan-
Tata-Tertib-Komite (Nomination &
Remuneration Committee Charter
(2025))
D.2.12 Is the meeting attendance of the Nominating Committee disclosed and if so, did the Nominating
335
Committee meet at least twice during the year?
Remuneration Committee / Compensation Committee
D.2.13 Does the company have a Remuneration Committee? 333-336
D.2.14 Is the Remuneration Committee comprised entirely of non-executive directors/commissioners
333,334
with a majority of independent directors/commissioners?
D.2.15 Is the chairman of the Remuneration Committee an independent director/commissioner? 335
Governance
Corporate
D.2.16 Does the company disclose the terms of reference/ governance structure/charter of the 333
Remuneration Committee? https://www.danamon.co.id/
tentang-danamon/tata-kelola/
Keanggotaan-Pedoman-dan-
Tata-Tertib-Komite (Nomination &
Remuneration Committee Charter
(2025))
D.2.17 Is the meeting attendance of the Remuneration Committee disclosed and, if so, did the
335
Remuneration Committee meet at least twice during the year?
Audit Committee
D.2.18 Does the company have an Audit Committee? 325-328
D.2.19 Is the Audit Committee comprised entirely of non-executive directors/commissioners with a
325,327
majority of independent directors/commissioners?
D.2.20 Is the chairman of the Audit Committee an independent director/commissioner? 327
D.2.21 Does the company disclose the terms of reference/governance structure/charter of the Audit 325
Committee? https://www.danamon.co.id/
tentang-danamon/tata-kelola/
Keanggotaan-Pedoman-dan-Tata-
Tertib-Komite (Audit Committee
Charter (2025))
D.2.22 Does at least one of the independent directors/commissioners of the committee have
325,327
accounting expertise (accounting qualification or experience)?
D.2.23 Is the meeting attendance of the Audit Committee disclosed and, if so, did the Audit Committee
328
meet at least four times during the year?
D.2.24 Does the Audit Committee have primary responsibility for recommendation on the
325,327
appointment, and removal of the external auditor?
D.3 Board Processes
Board meetings and attendance
D.3.1 Are the board of directors meeting scheduled before the start of financial year? 315,318,353,358
D.3.2 Does the board of directors/commissioners meet at least six times during the year? 315-316,353-354
D.3.3 Has each of the directors/commissioners attended at least 75% of all the board meetings held
318,357
during the year?
D.3.4 Does the company require a minimum quorum of at least 2/3 for board decisions? 315-316,353-354
D.3.5 Did the non-executive directors/commissioners of the company meet separately at least once
316,354
during the year without any executives present?
Access to information
D.3.6 Are board papers for board of directors/commissioners meetings provided to the board at 315-316, 353-354
least five business days in advance of the board meeting? https://www.danamon.co.id/
tentang-danamon/tata-kelola/
Pedoman-Kerja-Pelatihan-Dewan-
Komisaris-dan-Direksi
D.3.7 Does the company secretary play a significant role in supporting the board in discharging its
377,379
responsibilities?
D.3.8 Is the company secretary trained in legal, accountancy or company secretarial practices and
377,378
has kept abreast on relevant developments?
Board Appointments and Re-Election
D.3.9 Does the company disclose the criteria used in selecting new directors/commissioners? 303-305,310-312,342-344,349
D.3.10 Did the company describe the process followed in appointing new directors/commissioners? 303-305,333-334,342-344,349
446 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 449
No. Principles and Recommendations Pages
D.3.11 Are all directors/commissioners subject to re-election every 3 years; or 5 years for listed
companies in countries whose legislation prescribes a term of 5 years2 each?
309,350-351
2) The five years term must be required by legislation which pre-existed the introduction of
the ASEAN Corporate Governance Scorecard in 2011
Remuneration Matters
D.3.12 Do the shareholders or the Board of Directors approve the remuneration of the executive 298,314-315,352-353,
directors and/or the senior executives? 405-408
D.3.13 Does the company have measurable standards to align the performance-based remuneration
of the executive directors and senior executives with long-term interests of the company, 314-315,352-353,405-408
such as claw back provision and deferred bonuses?
Internal Audit
D.3.14 Does the company have a separate internal audit function? 390-394
D.3.15 Is the head of internal audit identified or, if outsourced, is the name of the external firm
390-394
disclosed?
D.3.16 Does the appointment and removal of the internal auditor require the approval of the Audit
390-394
Committee?
Governance
Corporate
Risk Oversight
D.3.17 Does the company establish a sound internal control procedures/risk management framework
397,400
and periodically review the effectiveness of that framework?
D.3.18 Does the Annual Report/Annual CG Report disclose that the board of directors/commissioners
has conducted a review of the company's material controls (including operational, financial 397,400
and compliance controls) and risk management systems?
D.3.19 Does the company disclose the key risks to which the company is materially exposed to (i.e.
397,400
financial, operational including IT, environmental, social, economic)?
D.3.20 Does the Annual Report/Annual CG Report contain a statement from the board of directors/
commissioners or Audit Committee commenting on the adequacy of the company's internal 397,400
controls/risk management systems?
D.4 People on the Board
Board Chairman
D.4.1 Do different persons assume the roles of chairman and CEO? 62,68,309,350
D.4.2 Is the chairman an independent director/commissioner? 309
D.4.3 Is any of the directors a former CEO of the company in the past 2 years? 68-75
D.4.4 Are the roles and responsibilities of the chairman disclosed? 308,346-348
D.4.5 If the Chairman is not independent, has the Board appointed a Lead/Senior Independent
309-312
Director and has his/her role been defined?
Skills and Competencies
D.4.6 Does at least one non-executive director/commissioner have prior working experience in the
62-67
major sector that the company is operating in?
D.5 Board Performance
Directors Development
D.5.1 Does the company have orientation programmes for new directors/commissioners? 318,358
D.5.2 Does the company have a policy and actual practice and programs that encourages directors/
318,358
commissioners to attend on-going or continuous professional education programmes?
CEO/Executive Management Appointments and Performance
D.5.3 Does the company disclose the process on how the board of directors/commissioners plans
349
for the succession of the CEO/Managing Director/President and key management?
D.5.4 Does the board of directors/commissioners conduct an annual performance assessment of
318,358
the CEO/Managing Director/President?
D.5.5 Did the company conduct an annual performance assessment of the board of directors/
318,358
commissioners and disclose the criteria and process followed for the assessment?
Director Appraisal
D.5.6 Did the company conduct an annual performance assessment of the individual directors/
318,358
commissioners and disclose the criteria and process followed for the assessment?
Committee Appraisal
D.5.7 Did the company conduct an annual performance assessment of the board committees and
320,364
disclose the criteria and process followed for the assessment?
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 447
Page 450
LEVEL 2 – BONUS ITEMS
No. Principles and Recommendations Pages
(B)A. Rights and Equitable Treatment of Shareholders
(B)A.1 Did the company conduct an annual performance assessment of the board committees and
320,364
disclose the criteria and process followed for the assessment?
(B)A.1.1 Does the company practice real time secure electronic voting in absentia at general
295-297
meetings of shareholders?
(B)A.2 Equitable treatment of shareholders
(B)A.2 Notice of AGM
(B)A.2.1 Does the company release its notice of AGM (with detailed agendas and explanatory 297
circulars), as announced to the Exchange, at least 28 days before the date of the meeting? https://www.danamon.co.id/
tentang-danamon/Informasi-
Investor/RUPS
(B)B Sustainability and Resilience
(B)B.1.1 Does the company disclose how it manages climate-related risks and opportunities? 490-491
(B)B.1.2 Does the company disclose that its Sustainability Report/Sustainability Reporting is
516, 554-556
externally assured?
(B)B.1.3 Does the company disclose the engagement channel with stakeholder groups and how the
Governance
Corporate
482
company responds to stakeholders’ ESG concerns?
(B)B.1.4 Does the company have a unit / division / committee who is specifically responsible to
478-479
manage the sustainability matters?
(B)B.1.5 Does the company disclose board of directors/commissioners' oversight of sustainability-
478-479
related risks and opportunities?
(B)B.1.6 Does the company disclose the linkage between executive directors and senior
314-315,352-353,405-408,505
management remuneration and sustainability performance for the previous year?
(B)B.1.7 Is the company’s Whistleblowing System managed by independent parties/institutions? 422
(B)C Disclosure and transparency
(B)C.1 Quality of Annual Report
(B)C.1.1 Are the audited annual financial report /statement released within 60 days from the financial
297,559-573
year end?
(B)D Responsibilities of the Board
(B)D.1 Board Competencies and Diversity
(B)D.1.1 Does the company have at least one female independent director/commissioner? 67,71,309,350
(B)D.1.2 Does the company have a policy and disclose measurable objectives for implementing its
314,349
board diversity and report on progress in achieving its objectives?
(B)D.2 Board Structure
(B)D.2.1 Is the Nominating Committee comprise entirely of independent directors/commissioners? 335
(B)D.2.2 Does the Nominating Committee undertake the process of identifying the quality of directors
333-334
aligned with the company's strategic directions?
(B).D.3 Board Appointments and Re-Election
(B)D.3.1 Does the company use professional search firms or other external sources of candidates
(such as director databases set up by director or shareholder bodies) when searching for 333,349
candidates to the board of directors/commissioners?
(B).D.4 Board Structure & Composition
(B)D.4.1 Do independent non-executive directors/commissioners make up more than 50% of the
309,350
board of directors/commissioners for a company with independent chairman?
(B).D.5 Risk Oversight
(B)D.5.1 Does the company disclose that its Board identified key risk in relation to information
technology including disruption, cyber security, and disaster recovery, to ensure that such 154-155,158-160,370-371,397-398
risks are managed and integrated into the overall risk management framework?
(B).D.6 Board Performance
(B)D.6.1 Does the company have a separate board level Risk Committee? 329-332.365-366,372-373,397
448 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 451
LEVEL 2 – PENALTY
No. Principles and Recommendations Pages
(P)A. Rights and Equitable Treatment of Shareholders
(P)A.1 Basic shareholder rights
(P)A.1.1 Did the company fail or neglect to offer equal treatment for share repurchases to all
409
shareholders?
(P)A.2 Shareholders, including institutional shareholders, should be allowed to consult with each
other on issues concerning their basic shareholder rights as defined in the Principles,
subject to exceptions to prevent abuse.
(P)A.2.1 Is there evidence of barriers that prevent shareholders from communicating or consulting
No
with other shareholders?
(P)A.3 Right to participate effectively in and vote in general shareholders meeting and should
be informed of the rules, including voting procedures, that govern general shareholders
meeting.
(P)A.3.1 Did the company include any additional and unannounced agenda item into the notice of No.
AGM/EGM? The Company will include
additional agenda items (if any)
after first providing notification to
the OJK.
Governance
Corporate
(P)A.3.2 Was the Chairman of the Board and the Chairmen of all Board Committees and the CEO
296
absent from the most recent General Meeting?
(P)A.4 Capital structures and arrangements that enable certain shareholders to obtain a degree of
control disproportionate to their equity ownership should be disclosed.
Did the company fail to disclose the existence of:
(P)A.4.1 Shareholders agreement? No
(P)A.4.2 Voting cap? No
(P)A.4.3 Multiple voting rights? No
(P)A.5 Capital structures and arrangements that enable certain shareholders to obtain a degree of
control disproportionate to their equity ownership should be disclosed.
(P)A.5.1 Is a pyramid ownership structure and/or cross holding structure apparent? 90
(P)A.6 Insider trading and abusive self-dealing should be prohibited.
(P)A.6.1 Has there been any conviction of insider trading involving directors/commissioners,
No, 385
management and employees in the past three years?
(P)A.7 Protecting minority shareholders from abusive action
(P)A.7.1 Has there been any cases of non compliance with the laws, rules and regulations pertaining
No, 401-402
to material related party transactions in the past three years?
(P)A.7.2 Were there any RPTs that can be classified as financial assistance (i.e not conducted at arms
No,135
length) to entities other than wholly-owned subsidiary companies?
(P)B Role of Stakeholders
(P)B.1 The rights of stakeholders that are established by law or through mutual agreements are to
be respected.
(P)B.1.1 Have there been any violations of any laws pertaining to labour/employment/ consumer/
401-402
insolvency/commercial/competition or environmental issues?
(P)B.2 Where stakeholders participate in the corporate governance process, they should have
access to relevant, sufficient and reliable information on a timely and regular basis.
(P)B.2.1 Has the company faced any sanctions by regulators for failure to make announcements
No, 385
within the requisite time period for material events?
(P)B.2.2 Is there any evidence that the company is engaging in greenwashing activities? No
(P)C Disclosure and transparency
(P)C.1 Sanctions from regulator on financial reports
(P)C.1.1 Did the company receive a "qualified opinion" in its external audit report? 563
(P)C.1.2 Did the company receive an "adverse opinion" in its external audit report? 563
(P)C.1.3 Did the company receive a "disclaimer opinion" in its external audit report? 563
(P)C.1.4 Has the company in the past year revised its financial statements for reasons other than
No
changes in accounting policies?
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 449
Page 452
No. Principles and Recommendations Pages
(P)D Responsibilities of the Board
(P)D.1 Compliance with listing rules, regulations and applicable laws
(P)D.1.1 Is there any evidence that the company has not complied with any listing rules and
No, 385,401-402
regulations apart from disclosure rules over the past year?
(P)D.1.2 Have there been any instances where non-executive directors/commissioner have resigned
No
and raised any issues of governance-related concerns?
(P)D.2 Board structure
(P)D.2.1 Does the Company have any independent directors/commissioners who have served for
more than nine years or two terms of five years each (which ever is higher) in the same
capacity?
309-310,351-352
1) The five years term must be required by legislation which pre-existed before the
introduction of the ASEAN Corporate Governance Scorecard in 2011
(P)D.2.2 Did the company fail to correctly identify the description of all their directors as independent,
309-310,351-352
non-executive, and executive?
(P)D.2.3 Does the company have any independent directors/non-executive/commissioners who
313,352
serve on a total of more than five boards of publicly-listed companies?
Governance
Corporate
(P)D.3 External Audit
(P)D.3.1 Is any of the directors or senior management a former employee or partner of the current
No, 68-75
external auditor (in the past 2 years)?
(P)D.4 Board structure and composition
(P)D.4.1 Has the chairman been the company CEO in the last three years? 309-310
(P)D.4.2 Do non-executive directors/commissioners receive options, performance shares or
405-408
bonuses?
APPENDIX
No. Principles and Recommendations Pages
Do shareholders have the right to participate in:
A.2.1 Amendments to the company's constitution? 294-296
A.2.2 The authorisation of additional shares? 294-296
A.2.3 The transfer of all or substantially all assets, which in effect results in the sale of the
294-296
company?
B.1.1 Does the company's ordinary or common shares have one vote for one share? 294
B.3.1 Does the company have policies and/or rules prohibiting directors/commissioners and
409
employees to benefit from knowledge which is not generally available to the market?
B.4.1 Does the company have a policy requiring directors/commissioners to disclose their interest
376
in transactions and any other conflicts of interest?
D.2.6 Attendance details of each director/commissioner in all directors/commissoners meetings
317,354-357
held during the year.
450 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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Governance
Corporate
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 451
Page 454
SHARIA BUSINESS UNIT (UUS) GOVERNANCE
Page 455
SHARIA BUSINESS UNIT (UUS)
GOVERNANCE
INTRODUCTION Several important steps taken since 2025 and
The implementation of Corporate Governance in continuing into 2026 are as follows:
PT Bank Danamon Indonesia Tbk - Sharia Business a. Strengthening cooperation with the parent Bank
Unit (Danamon UUS) is based on 5 (five) basic and the MUFG group, including through strategic
principles of Good Corporate Governance (GCG), as collaboration and synergy in product and service
follows: development, including information and data
1. Transparency, namely openness in the decision- sharing.
making process and openness in disclosing b. A more customer-centric sales and distribution
and providing relevant and easily accessible model, rather than solely product-centric.
information to stakeholders. c. A strengthened funding structure through the
Governance
Corporate
2. Accountability, namely clarity of function and development of community-based granular
implementation of responsibilities. funding by establishing strategic partnerships
3. Responsibility, namely compliance with statutory with Islamic communities.
provisions and regulations, ethical values, d. Focus on strengthening the dissemination of UUS
standards, principles, and practices. Danamon’s flagship products, including Sharia
4. Independence, namely a state of being managed Leasing financing, Hajj & Umrah services, ZISWAF
independently and professionally, free from services, and Wealth Management services.
conflicts of interest and influence or pressure e. Improving Wealth Management services through
from any party that is inconsistent with statutory the development of Sharia Mutual Funds and
provisions and ethical values, standards, Bancassurance products. Improving Hajj services
principles, and practices. through the provision of Special Hajj financing,
5. Fairness, namely equality, balance, and justice pocket money card facilities, and digital Hajj
in fulfilling stakeholder rights arising from registration services.
agreements, statutory provisions, and ethical f. Banking services continue to be optimized
values, standards, principles, and practices. through office network transformation and digital
service development, with a focus on improving
Implementing the above GCG principles is a pledged the end-to-end customer experience.
commitment of all corporate governance bodies g. Aligning information technology and operational
that help the Company improve performance while functions with the parent bank continues to
safeguarding stakeholders’ interests, paying due improve process efficiency and Digital Banking
attention to adherence to Sharia principles (Sharia capabilities, including digital development to
Compliance) in running the business. enhance customer convenience and comfort.
h. Productivity optimization continues to be
The Company’s consistency in implementing GCG enhanced through the implementation of agile
is reflected in its regulatory compliance, sound risk methodologies, process automation, AI utilization,
management, improved internal control across work and data analytics.
units, and optimum performance of its UUS. i. Risk management and corporate governance
are continuously strengthened through policy
DANAMON UUS INITIATIVES refinements, supported by systems, and
Danamon UUS continues to strengthen its enhanced human resource capabilities, including
performance and business growth through the the development of new products and activities.
implementation of a leverage strategy by optimizing
the utilization of its parent Bank’s infrastructure and
office channeling network. This approach aligns with
the parent Bank’s strategy and commitment, as well
as the Financial Services Authority (OJK) directives
to encourage aggressive and high-quality growth in
the Islamic banking industry.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 453
Page 456
j. Human resource development and productivity improvement are carried out by strengthening understanding
and enhancing competency in Islamic banking through various training, outreach, and mentoring activities.
Danamon UUS also supports the Danamon Bankers Trainee (DBT) program to prepare more skilled sharia
officers.
k. To maintain asset quality, the Bank applies prudent principles through prudent financing management, strict
monitoring and collection, and restructuring in accordance with internal and regulatory provisions.
In order to provide education to improve sharia financial literacy to consumers and the public, during the 2025
period, Danamon UUS has organized as many as 48 programs, both online and offline, in support of sharia
financial literacy and inclusion. Details of schedules and programs can be seen in Appendix 1.
1. SHARIAH SUPERVISORY BOARD
1.1 Number, Composition, and Concurrent Positions of the Sharia Supervisory Board (SSB)
In 2025, the number, composition, and concurrent positions of the SSB have complied with the provisions
of Financial Services Authority Circular Letter (SEOJK) No. 14/SEOJK.03/2025 on the Implementation
Governance
Corporate
of Governance for Comemrcial Banks, Financial Services Authority Regulation (POJK) No. 2 of 2025
concerning the Implementation of Sharia Governance for Sharia Commercial Bank (BUS) and UUS,
Financial Services Authority Circular Letter (SEOJK) No. 15/SEOJK.03/2024 on the Implementation of
Sharia Governance for BUS and UUS, Financial Services Authority Regulation (POJK) No. 12 of 2023
concerning Sharia Business Units, as well as the SSB Charter, including the following:
a) The number of SSB members in Danamon UUS consists of 3 (three) individuals, one of whom is
appointed as the Chairman of the SSB.
b) All members of the SSB have passed the Fit and Proper Test by the Financial Services Authority
(OJK).
c) The term of office of SSB members is from the date of appointment at the GMS and ends until
the closing of the third Annual GMS following the date of appointment, for one term. Dismissal or
replacement of SSB members may be carried out before the end of their term of office, subject to
the Bank’s Articles of Association and applicable laws and regulations.
d) SSB members may hold no more than one concurrent position at another bank and two financial
institutions other than banks.
Position at Other
Name Name of Company
Company
Prof. Dr. M. Din Syamsuddin (Chairman) - -
Prof. Dr. KH. Hasanudin, M.Ag (Member) Chairman of SSB Bank Syariah Indonesia (BSI)
Chairman of SSB Toyota Astra Finance Services Syariah
Chairman of SSB PT Sarana Multigriya Finansial (UUS)
Dr. Asep Supyadillah, M.Ag. (Member) Member of SSB PT Bank Permata (UUS)
Chairman of SSB PT Asuransi Jiwa Generali Indonesia (UUS)
Member of SSB PT Fintek Karya Nusantara (UUS Link Aja
Syariah)
1.2 SSB Work Program 2025
In 2025, SSB of Danamon UUS executed its work program, generally summarized in the following items:
a) Held at least 12 (twelve) routine SSB meetings a year to discuss sharia principle issues, submit new
products, or request opinions on several conditions that occur in the field.
b) Held at least 1 (one) quarterly SSB meeting with the Board of Directors (BOD), whose objective is,
among other things, to oversee or provide instructions and/or direction to the Board of Directors
regarding the implementation of Sharia Principles.
c) Held at least 1 (one) quarterly meeting with the Board of Commissioners (BOC), to coordinate
oversight on the implementation of Sharia Principles, including alleged violations of Sharia Principles
that might cause a situation or have the potential to cause a situation that can jeopardize the Bank’s
business sustainability.
d) It was mandatory for SSB to direct, monitor, and evaluate the implementation of Sharia Governance,
including the implementation of sharia risk management, sharia compliance, integrated sharia
454 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 457
internal audits, and the Bank’s strategic policies related to the implementation of Sharia Principles,
in accordance with the provisions of laws and regulations, articles of association, and/or decisions
of the GMS.
e) SSB evaluated the Risk Management policies and procedures related to the fulfillment of Sharia
Principles at least 1 (once) a year or at any time in the event of changes that significantly affected
business activities or at any time in the event of changes that significantly affect business activities
in accordance with the provisions of the SEOJK concerning the implementation of BUS and UUS
risk management.
f) SSB evaluated the accountability of the Board of Directors and gave direction for improvements
to the implementation of Risk Management policies related to the fulfillment of Sharia Principles at
least quarterly in accordance with the provisions of the SEOJK concerning the implementation of
BUS and iB Unit risk management.
g) Conducting periodic reviews including oversight over the fulfillment of sharia principles for the
mechanism of fund collection and distribution as well as UUS service by means of random testing
(sampling) of several customers, both funding and financing customers.
h) Examining and requesting explanations from its authorized officials regarding matters considered as
Governance
Corporate
needing explanations.
i) Making SSB Supervision Reports (LHP) every 6 (six) months for the periods ended in June and
December to be submitted to OJK no later than 2 (two) months after the semester period ended.
j) Adding information/knowledge about sharia and banking by continuously optimizing SSB potential
through various training and workshops for the development and progress of the Danamon UUS.
k) Providing advice and recommendations to the Danamon’s UUS Director in particular and Danamon
management in general in order to improve, fulfill sharia principles and develop and grow the
Danamon UUS.
1.3 Implementation of Duties, Responsibilities, and Authority of the Sharia Supervisory Board in 2025
a) Throughout 2025, the SSB regularly held routine meetings at least once and once a month, as well
as joint meetings with the Board of Directors and the Board of Commissioners at least once every
four months. During 2025, the SSB held 15 routine meetings, both in-person and virtually, with three
in-person meetings per year.
Details of the time, place, and agenda of the meeting can be seen in appendix 2. The level of
attendance of SSB members is as follows:
SSB Meeting SSB Meeting with BOC SSB Meeting with BOD
Name Frequency Frequency Frequency
Level of Level of Level of
of of of
Attendance Attendance Attendance
Attendance Attendance Attendance
1. Prof. Dr. M. Din Syamsuddin 15/15 100% 3/3 100% 3/3 100%
2. Prof. Dr. KH. Hasanudin, M.Ag 15/15 100% 3/3 100% 3/3 100%
3. Dr. Asep Supyadillah, M.Ag. 15/15 100% 3/3 100% 3/3 100%
All the SSB meeting conventions during 2025 complied with POJK. Decisions in SSB meetings
were made based on consensus. The results of the meeting decisions have been recorded in the
Minutes of the Meeting, fully documented, and submitted to the Director and/or Bank management
for implementation.
b) Report the results of SSB evaluation of risk management policies and procedures for 10 (ten) types
of risks related to the fulfillment of sharia principles at least 1 (one) time in 1 (one) year to OJK. Which
will be submitted in February 2026.
c) Report the results of the SSB evaluation of the Board of Directors’ accountability and provide
direction for improving the implementation of risk management policies for 10 (ten) types of risks
related to the fulfillment of sharia principles at least quarterly to OJK for the period of:
- 1st quarter submitted in April 2025
- 2nd quarter submitted in July 2025
- 3rd quarter submitted in October 2025
- 4th quarter submitted in January 2026
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 455
Page 458
d) In order to evaluate the fulfillment of sharia principles periodically during 2025, SSB has conducted
a sampling of 140 customers, both funding and financing customers, with the following customer
criteria:
Sampling of Customer Data
• 70 Funding Customers;
• Financing;
• 3 Employee Cooperative Customers;
• 15 SME Customers;
• 1 BPRS Customer
• 8 Enterprise Banking (EB) Customers
• 11 Consumer Customers
• 32 Adira Join Financing (JF) Customers
e) During 2025, SSB coordinated with Syariah Assurance of the Danamon’s UUS to support its oversight
function, for instance, with the issuance of 54 SSB opinions, the details of which are provided in
Appendix 3.
f) Submit the SSB LHP period:
Governance
Corporate
- The first semester of 2025 will be submitted in August 2025.
- Second semester of 2025 will be submitted in February 2026.
A copy of the SSB LHP was submitted to the DSN-MUI, Board of Commissioners, Danamon’s UUS
Director, Internal Audit Working Unit (SKAI), and Compliance Division. The LHP consists of:
- Financial reports, branch or office networks, bank business activities, human resources, and
routine meetings with the management of the Danamon UUS.
- Worksheet on the development of new bank products
- Worksheet on oversight over the bank activities, including SSB opinions.
g) In 2025, the SSB of Danamon UUS participated in training/workshops to develop/optimize its
potential as a SSB, as given in the following table:
No TRAINING/WORKSHOP
1 Socialization of the Implementation of Sharia Principles in Sharia Banking to Sharia Branches and Medan OCs on May
28, 2025
2 Pre-Ijtima’ Sanawi Workshop (Annual Meeting) of the 10th Sharia Commercial Banks and Sharia Business Units on
September 8, 2025, at the Millennium Hotel Sirih Jakarta, Jl. H. Fachrudin No. 3, Tanah Abang, Jakarta 10250
3 Ijtima’ Sanawi (Annual Meeting) of the 21st Sharia 2025 on September 26-27, 2025 at Grand Mercure Kemayoran Jl.
H. Benyamin Sueb Kav. BC Superblock Mega Kemayoran, Jakarta 10610
4 Invitation from the Financial Services Authority (OJK) regarding the 2025 Indonesia Islamic Finance Summit and the
2025 Annual Meeting of Islamic Banking at the Westin Hotel Ballroom in Surabaya, November 3-4, 2025
5 Socialization of the Implementation of Sharia Principles in Islamic Banking to Sharia Branches and Islamic Banking
Operation Centers in Surabaya, November 7, 2025
h) Advice and recommendations to the Danamon’s UUS Director were given during the monthly SSB
meetings or on certain occasions in order to improve, fulfill sharia principles and develop and grow
the Danamon UUS.
1.4 SSB Guidelines and Work Rules
SSB has specific guidelines and work rules that are reviewed periodically. Danamon UUS always aligns
the SSB Guidelines and Work Rules with regulatory changes and development.
1.5 SSB Remuneration
Remuneration and other facilities for SSB members of the Danamon UUS are proposed by the Danamon
Remuneration Committee and decided at the Danamon General Meeting of Shareholders. The amount
of remuneration and other facilities for 2025 are as follows:
456 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 459
Tabel I. Remuneration and Facilities Package Received by SSB
Total Amount Received in 1 (one) Year
Remuneration and Facilities Type
People Million (Rp)
Salary, bonuses, routine allowances, bonuses, and other 3 2.036
non-kind benefits
Other facilities in kind (housing, health insurance, etc.) that:
a. can be owned; and/or 0 0
b. cannot be owned 3 249
Total 3 2.285
Tabel II. Remuneration Package Classified Based on the Level of Income Received by SSB in 1 (one)
Year
Total Remuneration Each People in 1 (one) Year*) Number of SSB Member
Governance
Corporate
Above 0
Rp2,000,000,000.00
Above 1
Rp1,000,000,000.00
up to Rp2,000,000,000.00
Above 2
Rp500,000,000,00
up to Rp1,000,000,000.00
Less than or equal to 0
Rp500,000,000.00
Note: *) receive in cash
Tabel III. Number of SSB and Employee Who Received Variable Remuneration in 1 (one) Year and
the Total Nominal Amount of Variable Remuneration Received
Total Amount Received in 1 (one) Year
Variable Remuneration SSB
People Million (Rp)
Total 3 523
1.6 Share Ownership of SSB Members
All members of the SSB do not hold shares amounting to 5% (five percent) or more in Danamon or any
other company.
1.7 Financial Relationships and/or Family Relationships
All members of the SSB do not have any financial relationship and/or family relationship up to the
second degree with members of the Board of Directors, members of the Board of Commissioners,
other SSB members, and/or the Bank’s controlling shareholders.
Family Relation with Financial Relation with
Sharia Sharia
Board of Board od Controlling Board of Board od Controlling
Name Position Supervisory Supervisory
Commissioners Directors Shareholder Commissioners Directors Shareholder
Boards Boards
Yes No Yes No Yes No Yes No Yes No Yes No Yes No Yes No
Chairman of - √ - √ - √ - √ - √ - √ - √ - √
Din Syamsuddin
SSB
Member of - √ - √ - √ - √ - √ - √ - √ - √
Hasanudin
SSB
Member of - √ - √ - √ - √ - √ - √ - √ - √
Asep Supyadillah
SSB
1.8 Sharia Governance Function
The implementation of sharia compliance, sharia risk management, and sharia internal audit functions
is referred to in the Annual Report Corporate Governance Chapter.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 457
Page 460
2. DIRECTOR OF DANAMON UUS
Director of Danamon UUS has carried out the following to implement GCG:
a) Communicate with all levels of the organization within the Danamon UUS to do all recommendations or
input from the SSB from the results of routine meetings and the SSB Supervision Report.
b) Coordinating with all levels of directorates in the Parent Bank for the development and improvement
of the Danamon’s UUS, including operational coordination and marketing of sharia products through
Sharia Services at the parent Bank’s branches.
c) Ensuring that the health level of the Danamon UUS complies with OJK regulations.
d) Conduct communication with Bank Indonesia and Financial Services Authority (OJK).
e) Serve as a member of the Risk Management Committee.
f) Provide accurate, relevant, and timely data and information to SSB to support its duties.
g) Ensure the availability and adequacy of internal reporting supported by an adequate management
information system to support SSB duties.
h) Provide adequate facilities and infrastructure to support the process of SSB duties.
3. LIST OF CONSULTANTS AND LEGAL ADVISORS
Governance
Corporate
Consultant Services
NURHASANAH, S.H Legal Consultation regarding Armuzna Financing
SAKTI LO, S.H Legal Consultation regarding Armuzna Financing
DR. K. ANRIZ NAZARUDDIN HALIM, S.H M.H M.KN Legal Consultation regarding Armuzna Financing
4. INTERNAL FRAUD
In 2025 there were Internal Fraud Cases in Danamon UUS, however Danamon has followed up on two
internal cases with firm steps in accordance with applicable regulations.
Number of Case
Internal Fraud in 1 Year BOD, BOC, and SSB Regular Employee Irregular Employee
2024 2025 2024 2025 2024 2025
Total Fraud Nil Nil Nil 2 Nil Nil
Resolved Nil Nil Nil 2 Nil Nil
In the process of being resolved internally
Nil Nil Nil Nil Nil Nil
within the Bank
Resolution has not been attempted Nil Nil Nil Nil Nil Nil
Legal action has been taken Nil Nil Nil 1 Nil Nil
5. LEGAL ISSUES
Given below is the status of legal cases in 2025:
Total
Legal Case
Civil Criminal
Settled with legal power Nil Nil
In settlement process Nil Nil
Total Nil Nil
6. MANAGEMENT OF CONFLICTS OF INTEREST
The SSB Charter regulates conflicts of interest, referring to Financial Services Authority Circular Letter
(SEOJK) No. 14/SEOJK.03/2025 concerning the Implementation of Governance for Commercial Banks,
Financial Services Authority Regulation (POJK) No. 2 of 2024 concerning the Implementation of Sharia
Governance for Sharia Commercial Banks (BUS) and Sharia Business Units (UUS). In the event of a conflict
of interest, the relevant party is required to disclose the situation and is not permitted to be involved in the
decision-making process.
458 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 461
They are also prohibited from abusing their authority or profiting from the Company’s business activities
for personal gain.
Throughout 2025, all members of the SSB will have no conflicts of interest or potential conflicts of interest
with the Bank. SSB members consistently position themselves to avoid potential conflicts of interest under
any circumstances and are committed to avoiding potential conflicts of interest, as stated in the SSB
Charter.
Transactions Containing Conflicts of Interest
No Names and Positions Name and Position Transaction Transaction Description
that Contribute to of Decision Maker Type Value (Millions
Conflict of Interest of Rupiah)
NIHIL
7. IMPLEMENTATION OF EXTERNAL AUDIT FUNCTIONS
The implementation of external audit functions refers to the applicable POJK and SEOJK provisions.
Governance
Corporate
8. ACTIVITIES OF DANAMON UUS
Danamon UUS has 2 (two) types of activities, on is the distribution of charity funds for social activities and
the other is its achievements in Indonesian banking. Here is the explanation.
8.1 Distribution of Charity Funds for Social Activities
Referring to Law Number 21 of 2008 concerning Sharia Banking Chapter II that governs Principles,
Objectives and Functions. Sharia banks also carry out social functions as stated in Article 4 paragraph 2
which reads: “Sharia Banks and UUS shall carry out social functions in the form of baitul mal institutions
where they can receive funds from zakat, infaq, alms, grants, or other social funds and distribute them to
zakat management organizations.” And DSN MUI Fatwa Number 123/DSN-MUI/XI/2018 concerning the
Use of Funds that May Not Be Recognized as Income for Sharia Financial Institutions, Sharia Business
Institutions, and Sharia Economic Institutions. Pertaining to this function, during 2025, the Danamon
UUS has made as many as 98 distributions to institutions, foundations, mosques/prayer rooms, and
entitled individuals with a total of Rp1,895,471,238,00. The details of these activities can be seen in
appendix 4.
8.2Achievements of Danamon UUS
The following are some of the awards received by Danamon UUS in 2025:
• Top Sharia Business Unit at the 2025 Sharia Excellent Awards held by The Iconomics.
• Best Sharia business unit in excellent service for 10 years (2015-2024).
• Best Sharia Business Unit in Excellence Teller Service - Indonesia Syariah Excellent Awards 2025.
• 2nd Best Sharia Business Unit in Service Excellence – 22nd Info Bank – MRI Banking Service
Excellence Awards 2025.
• 2nd Best Sharia Business Unit in Excellence Walk-in Channel – 22nd Info Bank – MRI Banking
Service Excellence Awards 2025.
• 2nd Best Sharia Business Unit in Excellence Customer Service – 22nd Info Bank – MRI Banking
Service Excellence Awards 2025.
• 2nd Best Sharia Business Unit in Excellence Security Guard – 22nd Info Bank – MRI Banking
Service Excellence Awards 2025.
• 3 – The Best of Hajj Registration Target Achievement Bank 2025 from BPKH.
9. NON-HALAL INCOME AND ITS USE
For the period of 2025, Danamon UUS did not generate any non-halal income.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 459
Page 462
10. RESULTS OF GCG SELF-ASSESSMENT OF DANAMON UUS 2025
Self-Assessment of Danamon UUS Governance for Semester II 2025
In accordance with Financial Services Authority Regulation (POJK) No. 2 of 2024 concerning the
Implementation of Sharia Governance for Sharia Commercial Banks (BUS) and Sharia Business Units
(UUS), Financial Services Authority Circular Letter (SEOJK) No. 15/SEOJK.03/2024 concerning the
Implementation of Sharia Governance for BUS and UUS, and SEOJK No. 14/SEOJK.03/2025 concerning
the Implementation of Governance for Commercial Banks, the following are the conclusions of the
self-assessment of Danamon UUS’s Governance implementation for Semester II 2025 based on the
governance implementation assessment factors, namely the implementation of the duties, responsibilities,
and authorities of the Sharia Supervisory Board (SSB), the implementation of the external audit function,
and the Bank’s strategic plan.
Based on the Bank’s internal self-assessment, Danamon UUS Management has implemented generally
good governance. This is reflected in the adequate fulfillment of governance principles. In the event of
weaknesses in governance implementation, these weaknesses are generally minor and can be resolved
through normal actions by Danamon UUS management.
Governance
Corporate
Analysis:
In general, the implementation of Danamon UUS’s Sharia Governance as of December 2025 is considered
effective, adequate, and in accordance with regulations. The governance structure, supervisory process,
and implementation results demonstrate consistent effectiveness and compliance with the Financial
Services Authority Regulation (POJK) and the OJK Circular Letter (SEOJK) on Sharia Governance, as well
as alignment with the OJK Circular Letter (SEOJK) on General Bank Governance.
This is demonstrated by the appropriate composition of the Sharia Supervisory Board (SSB), maintained
independence, adequate competence, and the availability of effective support functions. The governance
process is well-functioning through regular meeting mechanisms, oversight of UUS policies and activities,
and regular follow-up monitoring of internal and external audit findings. The results of governance
implementation demonstrate complete meeting documentation, submission of opinions and reports
in accordance with applicable regulations, and effective Sharia supervision, which does not reveal any
material findings. Identified areas for improvement include the failure to conduct external reviews and the
need to update internal mechanisms/procedures to optimize SSB support. However, these are entirely
administrative in nature and do not have a material impact on governance effectiveness. The Bank is
committed to making improvements to strengthen governance implementation going forward.
Therefore, overall, the implementation of Danamon UUS’s Governance during the reporting period was
deemed effective, adequate, and in accordance with applicable regulations.
PT Bank Danamon Indonesia Tbk
Shariah Business Unit
Herry Hykmanto
Sharia Director
460 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 463
APPENDIX 1
Table of Details of the 2025 Sharia Financial Literacy & Inclusion Schedule and Program
Implementation Name of Literacy Form of Number of Implementation Activity
No. Activitiy Implementation
Objective Material Target
Participants Area Initiation
Schedule
1 25-Jan-25 Sharia financial Face-to-Face Improving General General 30 DKI Jakarta PUJK
literacy during (requires Sharia banking public
the Parenting physical financial products
Seminar “Raising presence) literacy for and/or
Children in the parents of services,
Golden Age” students both
conventional
and based
on Sharia
principles
2 15-Feb-25 Sharia financial Face-to-Face Improving General General 45 West Java PUJK
literacy during (requires Islamic banking public
the Annual physical financial products
Membership presence) literacy for and/or
Meeting of the cooperative services,
PT Bridgestone member both
Governance
Corporate
Employees’ employees conventional
Cooperative and based
on Sharia
principles
3 15-Feb-25 Sharia financial Face-to-Face Improving General General 25 West Java PUJK
literacy during (requires Islamic banking public
the Annual physical financial products
Membership presence) literacy for and/or
Meeting of the PT cooperative services,
Hino Employees’ both
Cooperative conventional
and based
on Sharia
principles
4 19-Feb-25 Sharia financial Face-to-Face Improving General General 25 West Java PUJK
literacy during (requires Islamic banking public
the Annual physical financial products
Membership presence) literacy for and/or
Meeting of the cooperative services,
PT Sumi Rubber member both
Employees’ employees conventional
Cooperative and based
on Sharia
principles
5 20-Feb-25 Sharia financial Face-to-Face Improving General General 30 East Java PUJK
literacy during (requires Islamic banking public
the Annual physical financial products
Membership presence) literacy for and/or
Meeting of cooperative services,
the Wilmar member both
Employees’ employees conventional
Cooperative and based
on Sharia
principles
6 26-Feb-25 Sharia financial Face-to-Face Improving General General 30 West Java PUJK
literacy during (requires Islamic banking public
the Annual physical financial products
Membership presence) literacy for and/or
Meeting of the cooperative services,
PT Kayaba member both
Employees’ employees conventional
Cooperative and based
on Sharia
principles.
7 26-Feb-25 Sharia financial Face-to-Face Improving General General 35 East Java PUJK
literacy during (requires Islamic banking public
the Annual physical financial products
Membership presence) literacy for and/or
Meeting of the cooperative services,
Tunas Harapan member both
Employee employees conventional
Cooperative and based
of PT Bentoel on Sharia
Malang principles
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 461
Page 464
Implementation Name of Literacy Form of Number of Implementation Activity
No. Activitiy Implementation
Objective Material Target
Participants Area Initiation
Schedule
8 27-Feb-25 Sharia financial Face-to-Face Improving General General 50 South PUJK
literacy during (requires Islamic banking public Sumatra
the Annual physical financial products
Membership presence) literacy for and/or
Meeting of the cooperative services,
Tunas Harapan member both
Employee employees conventional
Cooperative and based
of PT Semen on Sharia
Tonasa principles.
9 6-Mar-25 Sharia financial Face-to-Face Sharia General General 50 DKI Jakarta PUJK
literacy during (requires financial banking public
Iftar with the physical literacy products
HIMPUH presence) refresher and/or
for HIMPUH services,
travel both
association conventional
members and based
on Sharia
principles
10 10-Mar-25 Association Face-to-Face Sharia General General 25 DKI Jakarta PUJK
Governance
Corporate
Financial (requires financial banking public
literacy for the physical literacy for products
management of presence) employee and/or
the SAPUHI Hajj cooperative services,
and Umrah travel managers both
association throughout conventional
East Java and based
on Sharia
principles
11 11-Mar-25 Sharia financial Face-to-Face Sharia General General 100 East Java PUJK
literacy during (requires financial banking public
the East Java physical literacy for products
Employee presence) employee and/or
Cooperative cooperative services,
Gathering managers both
throughout conventional
East Java and based
on Sharia
principles
12 13-Mar-25 Financial Face-to-Face Sharia General General 35 DKI Jakarta PUJK
literacy for the (requires financial banking public
management physical literacy for products
of the KBB Hajj presence) employee and/or
and Umrah travel cooperative services,
association managers both
throughout conventional
East Java and based
on Sharia
principles
13 13-Mar-25 Sharia financial Face-to-Face Sharia General General 300 DKI Jakarta PUJK
literacy during (requires financial banking public
the Ramadan physical literacy products
Fair Expo at the presence) refresher and/or
Menara Bank for PT Bank services,
Danamon Danamon both
Indonesia conventional
Tbk and based
employees on Sharia
principles
14 14-Mar-25 Sharia financial Face-to-Face Increasing General General 25 DKI Jakarta PUJK
literacy during (requires Islamic banking public
a gathering physical financial products
of Makassar presence) literacy in the and/or
Sharia branch community services,
customers both
conventional
and based
on Sharia
principles.
15 18-Mar-25 Financial Face-to-Face Sharia General General 30 DKI Jakarta PUJK
literacy for the (requires financial banking public
management of physical literacy for products
the AMPHURI presence) employee and/or
Hajj and cooperative services,
Umrah Travel managers both
Association throughout conventional
East Java and based
on Sharia
principles
462 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 465
Implementation Name of Literacy Form of Number of Implementation Activity
No. Activitiy Implementation
Objective Material Target
Participants Area Initiation
Schedule
16 18-Apr-25 Sharia financial Face-to-Face Introduction General Students, 50 West Nusa PUJK
literacy for (requires to Islamic banking Lecturers, Tenggara
Academic Staff physical financial products General
and Students at presence) solutions and/or Public
the University of services,
Muhammadiyah both
Mataram and the conventional
Muhammadiyah and based
Regional on Sharia
Leadership principles
of West Nusa
Tenggara
17 2-Jun-25 Financial literacy Face-to-Face Introduction General Students, 50 East Java PUJK
for Academic (requires to Islamic banking Lecturers,
Staff and physical financial products General
Students at the presence) solutions and/or Public
University of services,
Muhammadiyah both
Sidoarjo, East conventional
Java, June 2, and based
2025 on Sharia
principles
Governance
Corporate
18 2-Jun-25 Sharia financial Face-to-Face Introduction General Students, 50 East Java PUJK
literacy for the (requires to Islamic banking Lecturers,
Muhammadiyah physical financial products General
Regional presence) solutions and/or Public
Leadership of services,
East Java and both
their staff, in conventional
Sidoarjo, East and based
Java, June 1, on Sharia
2025 principles
19 23-Jun-25 Sharia financial Face-to-Face Introduction General Students, 1500 West Java PUJK
literacy for Civil (requires to Islamic banking Lecturers,
Servants in the physical financial products General
City/Regency of presence) solutions and/or Public
Sukabumi, West services,
Java, June 23, both
2025 conventional
and based
on Sharia
principles
20 30-Jul-25 Sharia financial Face-to-Face Introduction General General 50 East PUJK
literacy (requires to Islamic banking public Kalimantan
regarding Cash physical banking products
Waqf-Linked presence) products and and/or
Deposits at the services services,
University of both
Muhammadiyah conventional
East Kalimantan and based
on Sharia
principles
21 1-Aug-25 Sharia Financial Face-to-Face Introduction General General 30 West Java PUJK
Literacy during (requires to Islamic banking public
the Product physical banking products
Refresh and presence) products and and/or
Socialization of services services,
Sharia Mortgages both
and Danamon conventional
BISA Hajj and based
Programs for on Sharia
Bank Danamon principles
Mortgage &
CDM Staff at the
Suniaraja BDI
Bandung Branch
22 20-Aug-25 Sharia Financial Face-to-Face Introduction General General 20 DKI Jakarta PUJK
Literacy during (requires to Islamic banking public
the Socialization physical banking products
of Danamon BISA presence) products and and/or
Hajj Programs services services,
for Study Group both
Members at conventional
the Abdul Muis and based
Danamon Branch on Sharia
principles
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 463
Page 466
Implementation Name of Literacy Form of Number of Implementation Activity
No. Activitiy Implementation
Objective Material Target
Participants Area Initiation
Schedule
23 22-Aug-25 Sharia Financial Face-to-Face Introduction General General 30 DKI Jakarta PUJK
Literacy during (requires to Islamic banking public
the Socialization physical banking products
of Sharia presence) products and and/or
Mortgages and services services,
Danamon BISA both
Hajj Programs conventional
at the Matraman and based
Branch of Bank on Sharia
Danamon principles
24 23-Aug-25 Sharia Financial Face-to-Face Introduction General General 60 DKI Jakarta PUJK
Literacy during (requires to Islamic banking public
the Financial physical banking products
Literacy presence) products and and/or
Workshop services services,
and Sharia both
Cooperative conventional
Management and based
Training on Sharia
principles
25 7-Sep-25 Sharia Financial Face-to-Face Introduction General Students 60 West Java PUJK
Governance
Corporate
Literacy during (requires to Islamic banking
the Daarut physical banking products
Tauhid Rahmatan presence) products and and/or
Lil Alamin services services,
Foundation both
Anniversary conventional
Event at the and based
Daarut Tauhid on Sharia
Ecopesantren, principles
Bandung
26 12-Sep-25 Sharia Financial Face-to-Face Introduction General General 100 DI Yogyakarta PUJK
Literacy (requires to Islamic banking public
during the physical banking products
Muhammadiyah presence) products and and/or
Jogja Expo services services,
at the Jogja both
Expo Center, conventional
September 12-14, and based
2025 on Sharia
principles
27 13-Sep-25 Sharia Financial Face-to-Face Introduction General Employee 500 Central Java PUJK
Literacy for BPR (requires to Islamic banking
Bank Boyolali physical banking products
Customers, presence) products and and/or
Central Java services services,
both
conventional
and based
on Sharia
principles
28 19-Sep-25 Sharia Financial Face-to-Face Introduction General General 50 Central Java PUJK
Literacy for Fath (requires to Islamic banking public
Indah Travel Hajj physical banking products
Pilgrims presence) products and and/or
services services,
both
conventional
and based
on Sharia
principles
29 3-Oct-25 Sharia financial Face-to-Face Introduction General Youth, 200 West Nusa Government
literacy during (requires to Islamic banking Professional Tenggara /Authority
the “Syariah physical banking products s: Students,
Financial Fair” presence) products and and/or Employees,
Islamic banking services services, MSMEs/
expo at Lombok both Traders,
Epicentrum Mall, conventional General
Mataram City and based Public
on Sharia
principles
30 4-Oct-25 Sharia financial Face-to-Face Introduction General Employee 50 East Java PUJK
literacy during (requires to Islamic banking
the East Java physical banking products
Sharia Employee presence) products and and/or
Cooperative services services,
Management both
Training conventional
and based
on Sharia
principles
464 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 467
Implementation Name of Literacy Form of Number of Implementation Activity
No. Activitiy Implementation
Objective Material Target
Participants Area Initiation
Schedule
31 12-Oct-25 Islamic financial Face-to-Face Introduction General Community 30 West Nusa PUJK
literacy for the (requires to Islamic banking Tenggara
“Islamic Women’s physical banking products
Association” presence) products and and/or
community services services,
organization both
in West Nusa conventional
Tenggara and based
on Sharia
principles
32 7-Nov-25 Islamic financial Face-to-Face Introduction General General 300 DKI Jakarta Government
literacy and (requires to Islamic banking public /Authority
Hajj financing physical banking products
at the Financial presence) products and and/or
Services services services,
Authority’s EKSIS both
Event conventional
and based
on Sharia
principles
33 7-Nov-25 Islamic financial Face-to-Face Introduction General Community 50 DKI Jakarta PUJK
Governance
Corporate
literacy at the (requires to Islamic banking
NRA Expo physical banking products
presence) products and and/or
services services,
both
conventional
and based
on Sharia
principles
34 17-Nov-25 Islamic financial Face-to-Face Introduction General Community 50 DKI Jakarta PUJK
literacy for the (requires to Islamic banking
public during physical banking products
the KESTHURI presence) products and and/or
Association services services,
National both
Conference Expo conventional
and based
on Sharia
principles
35 18-Nov-25 Islamic financial Face-to-Face Introduction General Professionals: 200 West Java PUJK
literacy for the (requires to Islamic banking Employees,
general public physical banking products MSMEs/
during the 113th presence) products and and/or Traders,
Muhammadiyah services services, Students,
Anniversary Expo both Youth,
conventional Communities,
and based General
on Sharia Public
principles
36 28-Nov-25 Islamic financial Face-to-Face Introduction General Community 100 West Java PUJK
literacy for the (requires to Islamic banking
Muhammadiyah physical banking products
Anniversary presence) products and and/or
Commemoration services services,
at the Bojongsari both
PCM Depok conventional
and based
on Sharia
principles
37 30-Nov-25 Islamic financial Face-to-Face Introduction General General 150 DKI Jakarta Government
literacy for the (requires to Islamic banking public /Authority
BPKH Hajj Fest physical banking products
presence) products and and/or
services services,
both
conventional
and based
on Sharia
principles
38 14-Dec-25 Islamic financial Face-to-Face Introduction General Employee 100 DKI Jakarta PUJK
literacy for the (requires to Islamic banking
Hajj Mini Expo physical banking products
at the Meenara presence) products and and/or
Bank Danamon services services,
Lobby, December both
14-17, 2025 conventional
and based
on Sharia
principles
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 465
Page 468
Implementation Name of Literacy Form of Number of Implementation Activity
No. Activitiy Implementation
Objective Material Target
Participants Area Initiation
Schedule
39 16-Dec-25 Islamic financial Face-to-Face Introduction General Community 30 Central Java PUJK
literacy for (requires to Islamic banking
members of the physical banking products
Muhammadiyah presence) products and and/or
Bantul City services services,
Branch, Central both
Java conventional
and based
on Sharia
principles
40 28-Dec-25 Sharia financial Face-to-Face Introduction General Community 50 West Java PUJK
literacy in (requires to Islamic banking
commemoration physical banking products
of presence) products and and/or
Muhammadiyah’s services services,
anniversary at both
PDM Garut conventional
and based
on Sharia
principles
Governance
Corporate
Implementation Name of Inclusion Form of Number of Implementation Activity
No. Objective Material Target
Schedule Activitiy Implementation Participants Area Initiation
1 13-Mar-25 Sharia Financial Physical Provision Development of Danamon 500 Jakarta PUJK
Inclusion as part of of Products products and/ Bank
the “Ramadan Fair and/or or services: Employees
2025” Exhibition Services
2 23-Jun-25 Financial Inclusion Physical Provision Development of Civil 1106 West Java Government
for Civil Servants of Products products and/ Servant /Authority
in Sukabumi City/ and/or or services: (ASN)
Regency, West Services
Java
3 7-Sep-25 Sharia Financial Physical Provision Development of Student 60 West Java PUJK
Inclusion in of Products products and/
celebration and/or or services:
of the Daarut Services
Tauhid Rahmatan
Lil Alamin
Foundation’s
anniversary at
the Daarut Tauhid
Eco-Pesantren in
Bandung
4 12-Sep-25 Sharia Financial Physical Provision Development of General 100 DI Yogyakarta PUJK
Inclusion in of Products products and/ Public
celebration of the and/or or services:
Muhammadiyah Services
Jogja Expo at the
Jogja Expo Center,
September 12-14,
2025
5 20-Sep-25 Sharia Financial Physical Provision Development of General 50 Nanggroe PUJK
Inclusion at of Products products and/ Public Aceh
the 2025 Adira and/or or services: Darussalam
People’s Market Services
Festival in Banda
Aceh
466 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 469
Implementation Name of Inclusion Form of Number of Implementation Activity
No. Objective Material Target
Schedule Activitiy Implementation Participants Area Initiation
6 7-Nov-25 Sharia financial Physical Provision Development of General 300 West Java Government
literacy and Hajj of Products products and/ Public /Authority
financing at the and/or or services:
Financial Services Services
Authority’s EKSIS
Event
7 18-Nov-25 Sharia Financial Physical Provision Development of General 200 West Java PUJK
Literacy for the of Products products and/ Public
General Public and/or or services:
in the 113th Services
Muhammadiyah
Anniversary Expo
8 14-Dec-25 Sharia financial Physical Provision Development of Employee 100 DKI Jakarta PUJK
literacy during of Products products and/
Governance
Corporate
the Hajj Mini Expo and/or or services:
at the Danamon Services
Bank Tower Lobby,
December 14-17,
2025
APPENDIX 2
Table Of Agenda For The 2025 SSB Meeting
No Date & Venue Regular Meeting Agenda
1 Tuesday, January 7, 2025 1. Planned Launch of New Sharia Bancassurance Products
Virtual Meeting by MS Teams 2. Request for Opinion on the Growth Balance Program for Muhammadiyah Institutions
3. Danamon’s 2025 Prize-Line Program
4. Salam Financing
5. Financing for Company Purchases/Share Ownership
6. Bancassurance Cooperation and Other Life Insurance Companies
2 Thursday, February 20, 2025 1. Merging E-Statements for Sharia products into a single combined statement file (Sharia
Menara Bank Danamon, 7th Floor and Conventional Products)
2. Administration fees (account maintenance fees) for Danamon LEBIH (DL) PRO iB
Products (Wadi’ah Contract)
3 Tuesday, February 25, 2025 1. New Standard Operating Procedure (SOP) for Sharia Savings Plans (Hajj, Umrah, &
Menara Bank Danamon, 7th Floor Qurban)
2. DMQS Display at Sharia branches
3. Sampling Test for Semester II 2024
4 Tuesday, March 25, 2025 Top It Up Program (TIUP)
Virtual Meeting by MS Teams
5 Friday, April 11, 2025 1. International Factoring Product Scheme
Virtual Meeting by MS Teams 2. Sharia Current Account Financing (PRKS)
3. Financing for Employee Cooperatives (Kopkar) with Parent Companies in the Cigarette
Sector
6 Friday, May 9, 2025 1. Salam Financing Products
Virtual Meeting by MS Teams 2. Review of Program Product Extensions and/or Financing SOPs
7 Wednesday, May 21, 2025 Corporate Group Insurance Utilization
Virtual Meeting by MS Teams
8 Friday, 13 Juni 2025 1. Journalization of Program Reward Return Costs
Virtual Meeting by MS Teams 2. Renewal/Extension of the Generic Trade Finance & Services Syariah (TFS Syariah)
Product Program (PP) 2025-2027
9 Friday, July 25, 2025 Financial Update and Results of the SSB Visit
Menara Bank Danamon, 7th Floor
10 Friday, August 29, 2025 Opinion of the Charity Fund
Virtual Meeting by MS Teams
11 Tuesday, September 9, 2025 Proposal for Employee Zakat Administration Through Payroll
Virtual Meeting by MS Teams
12 Monday, September 22 2025 Product Opinion Bank programs and policies
Virtual Meeting by MS Teams
13 Wednesday, October 15, 2025 Opinion on Home Ownership Financing and Charity Fund SOP
Virtual Meeting by MS Teams
14 Friday, November 21, 2025 Opinion on Sharia Financing Schemes and Contracts and Bank Policy Updates
Virtual Meeting by MS Teams
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 467
Page 470
No Date & Venue Regular Meeting Agenda
15 Friday, December 5, 2025 Sharia Opinion on the Profit Sharing Method for Third Party Funds (DPK)
Virtual Meeting by MS Teams
No Date & Venue Meeting Agenda with the BOD
1 Thursday, April 24, 2025 1. SSB Evaluation Working Paper Q1 2025
Hybrid Meeting by MS Teams & 2.Update on Collaboration with Muhammadiyah and the Hajj and Umrah Ecosystem
12th Floor BOC Meeting Room
2 Monday, August 25, 2025 1. SSB Supervision of Sharia Business Unit (UUS) Activities on the Implementation of Sharia
Hybrid Meeting by MS Teams & Principles
12th Floor BOC Meeting Room 2. SSB Recommendations
3 Tuesday, December 9, 2025 1. SSB Supervision of Sharia Business Unit (UUS) Activities on the Application of Sharia
Hybrid Meeting by MS Teams & Principles
12th Floor BOC Meeting Room 2. DS Discussion on UUS Business Improvement
No Date & Venue Meeting Agenda with the BOC
1 Monday, April 28, 2025 1. SSB Evaluation Working Paper
Governance
Corporate
Hybrid Meeting by MS Teams & 2. UUS Business Cooperation Update
Raja Ampat Meeting Room, 15th
Floor
2 Tuesday, August 26, 2025 1. SSB Supervision of Sharia Business Unit (UUS) Activities on the Implementation of Sharia
Hybrid Meeting by MS Teams & Principles
BOC Meeting Room, 12th Floor 2. SSB Recommendations
3 Tuesday, December 23, 2025 1. SSB Supervision of Sharia Business Unit (UUS) Activities on the Application of
Hybrid Meeting by MS Teams & Sharia Principles
BOC Meeting Room, 12th Floor 2. SSB Discussion on UUS Business Improvement
APPENDIX 3
TABLE OF SSB OPINION IN 2025
No ISSUES/TOPICS
1 1st Amendment to the 2024 Conventional and Sharia Mortgage Credit/Financing Guidelines
2 2022 FI Credit Guideline Amendment Memo regarding Due Diligence & Sanction Screenings, Negative List, EDD, and Temporary
Extension Provisions
3 Sharia Products/Services in Bank Danamon’s Mobile Banking Service (D-Bank PRO 2.0)
4 Integrated Risk Management Policy (IRMP) 2025 - MUFG Group
5 International Factoring Product Scheme
6 Internal Audit Policy and Charter
7 Sharia Bancassurance Product Proteksi Prima Berkah (PPB)
8 Cash Waqf Linked Deposit (CWLD)
9 Renewal/Extension of Sharia Financial Supply Chain (FSC) PP in 2025
10 Renewal/Extension of Sharia Generic Product Financing PP in 2025
11 Renewal/Extension of Employee Cooperative (Kopkar) PP in 2025
12 Renewal/Extension of BPRS PP in 2025 2025
13 Reference Cooperation with a Sharia Insurance Company
14 Use of one Customer Information File (CIF)
15 Draft Renewal Product Program (PP) Unsecured Personal Loan (UPL) Channeling Hajj Financing 2025
16 Return Fee of Program Prize
17 Renewal/Extension of the Generic Trade Finance and Services Sharia Product Program (PP) 2025
18 Integrated Risk Management Policy 2025
19 Addition to Danamon LEBIH PRO Convent and Sharia Opening Account
20 KAO Danamon Privilege and Optimal Services
21 Salam Financing and Realization Contracts Based on the Wakalah Principle (Salam Financing) & Realization Contract Based on
Salam Principles
22 Memo on Amendments to the EB CG 2022 regarding Reallocation Approval
23 Memo on Updating TBO Document Provisions in Enterprise Banking (EB)
24 Use of Non-Sharia Insurance
25 Amendment of Digital Applications Standard Operating Procedure (SOP)
468 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 471
No ISSUES/TOPICS
26 Addendum of Charity Funds Standard Operating Procedure (SOP)
27 Financing to Institution
28 Program Product (PP) Employee Cooperative (Kopkar)
29 Renewal/Extension of Financial Institution (FI) Credit Guidelines (CG)
30 FI Credit Guidelines 2025 (Part III to Part XI)
31 Program Product Document (PP) Multi-Currency Current Account (MCA)/MCA Ib Current Account
32 Integrated Risk Management Policy (IRMP) Document 2025
33 SME CG Amendment 2024 regarding Original Financial Statements and Verification of Photocopies of Credit/Financing
Documents with Original Documents
34 Expected Credit Loss (ECL) Policy Dh. Allowance for Impairment Losses (CKPN)
35 Second Amendment to SME CG 2024
36 Update of the 2025 Standard Product Program and Credit Guidelines (Standard PP & CG)
37 Recovery Plan 2025-2026
38 Resolution Plan Policy 2025
Governance
Corporate
39 Leasing Limit (BMPK) and Large Fund Provision Guidelines Document June 2025
40 TIUP Group Hold Program
41 Renewal of Danamon iB Hajj Savings PP Document 2024-2027
42 Integrated Capital Management Policy of MUFG Financial Conglomerate
43 Market & Liquidity Risk Policy 2025
44 Renewal of EB Credit Guidelines 2025
45 MMQ Product for Home Ownership Financing Danamon LEBIH Sharia (New)
46 Sharia-compliant Super Flex Mortgage
47 Changes to the Waqf Program for the Procurement of Medical Equipment for Hospitals
48 Renewal of the 2025 Sharia Funding Product PP
49 Business Focus Evaluation & Strengthening of Danamon UUS Business Plan (RBB) 2026–2028
50 Implementation of the Code of Ethics regarding Time Discipline
51 Renewal of the 2025 ECL Policy
52 Super Flex Sharia and MMQ Sharia Financing Agreement
53 Enterprise Banking (EB) segment documents
54 Risk Management Policy November 2025
APPENDIX 4
Table of Distribution of Danamon UUS Charity Funds in 2025
Name of Recipient of
No Date Purpose Nominal (in Rupiah)
Benevelent Fund
1 14-Jan-2025 Masjid Raya Al Ihsan Darul Hikam Mosque toilet renovation funds 10,000,000
2 14-Jan-2025 Masjid Jamie Nurul Huda Mosque expansion construction assistance 5,000,000
Phase 2
3 15-Jan-2025 PT Quanta Asmaul Husna Quran purchase assistance for students at the 20,000,000
MDA Al Maaidah Foundation
4 30-Jan-2025 Semen Gresik Residents’ Consumer Food assistance for the Dhu’afa and orphans 10,000,000
Cooperative (KWSG)
5 12-Feb-2025 PT Sahabat Hijrah Indonesia Assistance for the construction of the Ash Shidiq 7,500,000
Mosque
6 17-Feb-2025 KL Lazismu Baitul Maal Khairu Economic Empowerment Program Assistance 5,000,000
Ummah (Entrepreneurship Training)
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 469
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Name of Recipient of
No Date Purpose Nominal (in Rupiah)
Benevelent Fund
7 17-Feb-2025 KL Lazismu Baitul Maal Khairu Scholarship Program Assistance for students 5,000,000
Ummah from Dhu’afa families
8 17-Feb-2025 Mesjid Al Hikmah Mosque carpet purchase assistance 16,560,000
9 27-Feb-2025 Musholla Al Barokah Lecturer Fees for Tahsin and Taklim Activities 51,900,000
10 6-Mar-2025 BDS Lapangan Ros Distribution of Basic Food Supplies to the Dhu’afa 17,000,000
11 13-Mar-2025 Majelis Pembinaan Kesehatan Sharia Financial Literacy Funding Assistance 10,000,000
Umum PWM Jawa Tengah
12 13-Mar-2025 Perkumpulan Organisasi Pengelola Zakat Optimization Literacy Funding 20,000,000
Zakat (POROZ) Assistance for Community Development
13 13-Mar-2025 BDS Ciracas Distribution of Basic Food Supplies to the Dhu’afa 17,000,000
14 14-Mar-2025 Yayasan Al Banna Berkah Sejahtera Assistance for orphans Dhu’afa 10,000,000
15 18-Mar-2025 Komunitas Pecinta Kemakmuran Assistance for orphans 5,000,000
Governance
Corporate
Masjid (KOTAMMAS)
16 19-Mar-2025 SMAN 61 Jakarta Assistance for financial management literacy 15,000,000
activities Sharia
17 20-Mar-2025 Musholla Nurul Huda Assistance for the Construction of the Nurul Huda 20,000,000
Mosque
18 20-Mar-2025 Masjid Al Ikhlas Bank Danamon Financial Assistance for Ta’jil and Iftar Meals for 15,200,000
Gubernur Suryo Surabaya Ramadan 1446 H
19 20-Mar-2025 Yayasan Amal Saya Peduli Food Package Assistance for Orphans 10,000,000
20 20-Mar-2025 KL Lazismu Baitul Maal Khairu Assistance for Orphans 10,000,000
Ummah
21 20-Mar-2025 Universitas Muhammadiyah Assistance in Learning Facilities for the 25,000,000
Sumatera Utara (UMSU) Development of an Operational System Mini Bank
for Sharia Finance Laboratories
22 21-Mar-2025 Universitas Muhammadiyah Riau Assistance for the Dhu’afa and the 20,000,000
(UMRI) underprivileged
23 21-Mar-2025 Yayasan Al Fath Qiroatun Najwa Assistance for Orphans and the Dhu’afa 15,000,000
24 25-Mar-2025 Asosiasi Kebersamaan Pengusaha Assistance for Sharia Financial Literacy 10,000,000
Travel Haji Umroh (BERSATHU)
25 25-Mar-2025 Yayasan Darul Hikam Construction of a Mosque in Palestine 10,000,000
26 25-Mar-2025 Yayasan Daarut Tauhiid Rahmatan Funding Assistance for Free Health Check-ups 10,000,000
Lil Aalamiin
27 25-Mar-2025 DKM Baitussalam PT Bridgestone Assistance for Orphans 5,000,000
Tire Indonesia
28 25-Mar-2025 Lazis Muhammadiyah Sumatera Assistance for Orphans 5,000,000
Utara
29 25-Mar-2025 Lazis Muhammadiyah Jawa Tengah Assistance for Orphans 5,000,000
30 26-Mar-2025 Yayasan Daarut Tauhiid Peduli Dhu’afa Compensation Assistance 5,000,000
31 26-Mar-2025 Lazis Muhammadiyah Jawa Barat Assistance for Orphans 5,000,014
32 26-Mar-2025 Yayasan An Nisa Rumah Peduli Assistance for Burial Grounds for the Dhu’afa and 5,000,000
Abandoned Muslim Bodies in Bali
33 26-Mar-2025 Lazis Muhammadiyah Banjarmasin Assistance for Orphans 5,000,000
470 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 473
Name of Recipient of
No Date Purpose Nominal (in Rupiah)
Benevelent Fund
34 27-Mar-2025 Lazis Muhammadiyah Jakarta Assistance for Orphans 20,000,000
35 27-Mar-2025 Lazis Muhammadiyah Daerah Assistance for Orphans 20,000,000
Istimewa Yogyakarta (DIY)
36 27-Mar-2025 Lembaga Kesejahteraan Sosial Assistance for Orphans 5,000,000
Anak (LKSA) Muhammadiyah
Surabaya
37 7-May-2025 Pondok Pesantren Miftahul Falah Assistance for the Construction of Islamic 10,000,000
Boarding Schools
38 12-Jun-2025 Baitul Maal Khairu Ummah Assistance for Orphans Dhu’afa 5,000,000
39 20-Jun-2025 Yayasan Ihya' Qalbun Salim Assistance for the Construction of Ihya’ Qalbun 20,000,000
Salim Islamic Boarding School
40 20-Jun-2025 Masjid Al Awabin Assistance for Repairing Frames, Doors, 10,000,000
Windows, and Pulpit Frames, and Repairing
Ablution Areas
Governance
Corporate
41 26-Jun-2025 Ahmad Chairul Syah Financial assistance for school supplies for 12,702,000
orphans/Dhu’afa
42 26-Jun-2025 Lazis Muhammadiyah Sumedang Assistance for the Construction of the 10,000,000
Sholahuddin Al Ayubi Mosque in Sumedang
43 10-Jul-2025 Yayasan NRA Indonesia Assistance for the Orphans 20,000,000
44 14-Jul-2025 Masjid Jami Al Mujahidin Assistance for the Renovation and Construction 10,000,000
of Mosque Infrastructure
45 14-Jul-2025 DKM Jami Al Ikhlas Assistance for the Construction of the Al Ikhlas 10,000,000
TPA Building
46 14-Jul-2025 Pesantren Baitul Arqam MQSC Assistance for Supporting Islamic Boarding 10,000,000
Schools, namely Procurement of Student Beds
47 30-Jul-2025 Masjid Al Ikhlas Assistance for Mosque Construction 20,000,000
48 5-Aug-2025 Pusat Zakat Umat LAZ Persatuan Dakwah Facility Assistance 10,000,000
Islam (PERSIS)
49 5-Aug-2025 Universitas Muhammadiyah Riau Assistance for Learning Facilities and the 25,000,000
(UMRI) Development of a Mini Bank Operational System
for the Sharia Finance Laboratory
50 11-Aug-2025 Perhimpunan BPRS Seluruh Assistance for Financial Literacy Support Sharia 15,000,000
Indonesia (HIMBARSI)
51 11-Aug-2025 Koperasi Karyawan PT Sumi Education Fund Assistance 10,000,000
Rubber Indonesia
52 22-Aug-2025 Lazis Muhammadiyah Jawa Barat Orphan/Dhu’afa Assistance 20,000,000
53 27-Aug-2025 Center For Information And Assistance to Support Islamic Economic 50,000,000
Development Studies ICMI Principles of Da’wah Literacy
54 29-Aug-2025 Pimpinan Wilayah Muhammadiyah Funds to Purchase School Uniforms 20,000,000
(PWM) Papua Barat
55 8-Sep-2025 Lembaga Amil Zakat Al Bahjah Assistance for School Facilities and Infrastructure 20,000,000
Needs under the 1001 Ulama Program
56 8-Sep-2025 Pimpinan Pusat Wanita Islam Assistance for Digitalization of ZISWAF Literacy 15,000,000
57 8-Sep-2025 Direktorat Media Dan Sharia Financial Literacy Assistance for Students 2,300,000
Pengembangan Pendidikan (DMPP) and Parents
Yayasan Daarut Tauhiid Rahmatan
Lil Aalamiin
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 471
Page 474
Name of Recipient of
No Date Purpose Nominal (in Rupiah)
Benevelent Fund
58 12-Sep-2025 Pimpinan Daerah Aisyiyah Assistance for the Construction of Aisyiyah 10,000,000
Kabupaten Sumedang Bustanul Athfal Kindergarten in South Sumedang
59 18-Sep-2025 Universitas Muhammadiyah Assistance for Basic Food Packages for the 15,000,000
Puworejo Dhu’afa
60 18-Sep-2025 KL Lazismu Baitul Maal Khairu Digital Financial Literacy Assistance for MSMEs 10,000,000
Ummah from the Dhu’afa
61 2-Oct-2025 KL Lazismu Baitul Maal Khairu Entrepreneurship training support for the Dhu’afa 10,000,000
Ummah and the purchase of carts for orphans Dhu’afa
businesses
62 2-Oct-2025 DKM Masjid Al Ubudiyah Assistance for Procurement of Facilities to 20,000,000
Support the Al Ubudiyah Mosque’s Charity
63 2-Oct-2025 Majelis Pendidikan Tinggi Kahmi Assistance for Tahfidz Scholarships, Orphans, 100,000,000
(MPT Kahmi) and High Achievers
64 9-Oct-2025 Aisyiyah Management Scholarships Assistance for Achievement 25,000,000
Governance
Corporate
65 16-Oct-2025 Musholla Al Barokah Fees for Tahsin and Taklim Activity Speaker 23,200,000
66 29-Oct-2025 Masjid Jami Nurul Iman Funding for the Renovation of the Ablution Area 20,000,000
for Men
67 29-Oct-2025 Pondok Pesantren Ishlahul Ummah Funding for the Renovation of the Ablution Area 20,000,000
and Toilet Facilities for Female Students
68 29-Oct-2025 Pondok Pesantren Bahrul Ulum Funding for Basic Food Needs for Students 15,000,000
Tambakberas
69 29-Oct-2025 Pondok Pesantren Tebuireng Funding for Basic Food Needs for Students 15,000,000
70 29-Oct-2025 Pondok Bahrul Syaichona M Cholil Funding for Basic Food Needs for Students 15,000,000
71 7-Nov-2025 Centre for Dialogue and Supporting the Humanitarian Spirit in the context 50,000,000
Cooperation among Civilization of international conferences, namely the 9th World
Foundation (CDCC) Peace Forum and the Global Forum of Muslim
Women
71 11-Nov-2025 PT Turisina Buana Social Activity Assistance in the form of providing 15,095,000
basic food supplies and stationery for children
and the elderly from the Dhu’afa
73 12-Nov-2025 Pondok Pesantren Baitul Arqam Assistance for Hydroponic Vegetable Cultivation 24,930,000
at Baitul Arqam MQSc Islamic Boarding School in
Sumedang Regency
74 12-Nov-2025 Humanity Abdi Indonesia (HAI) Humanitarian Assistance for the Dhu’afa 5,000,000
and Underprivileged Families, including the
distribution of basic food supplies
75 12-Nov-2025 Lazismu Jepara Food Supplies Assistance under the Peduli Guru 3,000,000
Program
76 14-Nov-2025 Mesjid AR Rohmat Assistance for the Renovation of the 60,000,000
Superstructure and Ceiling Mosque
77 25-Nov-2025 Yayasan Nurul Taqwa Assistance for the Construction of a Suspension 100,000,007
Bridge on the Cidamar River in Cianjur Regency
78 28-Nov-2025 Pimpinan Cabang Muhammadiyah Sharia Financial Education and Literacy 10,000,000
(PCM) Bojongsari Assistance for Bojongsari Residents and the
Community
79 28-Nov-2025 Pimpinan Cabang Muhammadiyah Sharia Financial Education and Literacy 10,000,000
(PCM) Sawangan Assistance for Sawangan Residents and the
Community
472 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 475
Name of Recipient of
No Date Purpose Nominal (in Rupiah)
Benevelent Fund
80 28-Nov-2025 TV Muhammadiyah Yogyakarta Sharia Financial Literacy 25,000,000
81 5-Dec-2025 MI Tarbiyatul Falah Bekasi Scholarship Assistance for Outstanding Teachers 25,000,000
82 12-Dec-2025 Kemenag Temanggung Sharia Financial Socialization and Literacy 13,400,000
83 18-Dec-2025 DKM Masjid Al Barkah Mosque Construction and Renovation Assistance 15,000,000
84 18-Dec-2025 Majelis As Syabab Assistance for the Circumcision Program of 20,000,000
Majelis As Syabab (Slipi)
85 19-Dec-2025 Pimpinan Daerah Muhammadiyah Mass Circumcision Assistance for Orphans and 10,000,000
(PDM) Kota Yogyakarta the Underprivileged
86 24-Dec-2025 Yayasan Madinatur Rahmah Assistance for the Construction of Classrooms at 25,000,000
Hidayah the Madinatur Rahmah Islamic Elementary School
87 24-Dec-2025 UMSU Financial Education and Literacy for the 25,000,000
Community around UMSU
Governance
Corporate
88 24-Dec-2025 Yayasan Amal Saya Peduli Mass Circumcision Assistance for Orphans and 25,000,000
the Dhu’afa
89 24-Dec-2025 Masjid Raya Segara City Assistance for the Construction of Segara City 50,000,000
Grand Mosque
90 31-Dec-2025 Pimpinan Daerah Muhammadiyah Assistance for the Underprivileged 10,000,000
Garut
91 31-Dec-2025 Komunitas Pecinta Kemakmuran Mass Circumcision Assistance for Orphans and 15,000,000
Masjid (KOTAMMAS) the Dhu’afa
92 31-Dec-2025 Mushola Baiturahman Assistance for the Renovation of a Mosque 20,000,000
93 22-Jan-2026 Majelis Lingkungan Hidup PP Assistance for the Landslide Disaster in Maninjau, 20,000,000
Muhammadiyah West Sumatra
94 28-Jan-2026 Universitas Muhammadiyah Assistance for Cultivation Support Hydroponics 25,000,000
Bandung Program, University of Muhammadiyah Bandung
95 28-Jan-2026 Universitas Muhammadiyah Scholarship Assistance for Underprivileged 100,000,000
Bandung Students and the Dhu’afa
96 28-Jan-2026 PT BPRS Bangun Drajat Warga Assistance for Orphanages, Operational 5,000,000
Donations for Orphanages, and Food Packages
for the Dhu’afa
97 5-Feb-2026 Danamon Employees Affected by Assistance for Flash Flood Disaster in Sumatra 97,000,000
the Disaster
98 12-Dec-2026 Asbisindo Aid for Flash Flood Victims in Aceh, North 18,684,217
Sumatra, and West Sumatra
Total 1,895,471,238
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 473
Page 476
Report
Sustainability
07
SUSTAINABILITY
RERPORT
PT Bank Danamon Indonesia Tbk
Annual Report 2025
474 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 477
Report
Sustainability
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 475
Page 478
Report
Sustainability
SUSTAINABILITY
PERFORMANCE
HIGHLIGHTS
476 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 479
SUSTAINABILITY
PERFORMANCE
Economic Performance [OJK B.1]
Loan/Financing Based on
Net Interest Income
Sustainable Business Activity
Billion Rupiah
Billion Rupiah
41,920 2025 17,924 2025
Report
Sustainability
32,707 2024 31,264 2023 17,156* 2024 15,216 2023
Loan/Financing Other Operating Proportion of Local
for MSME Income – Net Suppliers
Billion Rupiah Billion Rupiah %
21,576 2025 5,055 2025 93 2025
23,307 23,650 4,665* 4,260 94 92
2024 2023 2024 2023 2024 2023
Direct Economic Value Generated and Distributed
(in Billion Rupiah)
Description 2025 2024 2023
Direct Economic Value Generated
Net Interest Income 17,924 17,156* 15,216
Other Operating Income – Net 5,055 4,665* 4,260
Total Direct Economic Value Generated (A) 22,979 21,821 *
19,476
Economic Value Distributed
Other Operating Expenses 17,521 17,058* 14,695
Dividend Payments 1,113 1,226 1,156
Payments to the Government (Corporate Income Tax) 581 525* 621
Total Direct Economic Value Distributed (B) 19,215 18,809* 16,472
Total Direct Economic Value Retained (A-B) 3,764 3,012* 3,004
*
Restated due to merger of Mandala Finance and PT Adira Dinamika Multi Finance Tbk (ADMF).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 477
Page 480
Environmental Performance [POJK B.2]
Total Energy Consumption Energy Usage Intensity
GJ GJ/employee
111,478 2025 13.64 2025
139,786 145,039* 16.35 16.56
2024 2023 2024 2023
Water Usage Water Usage Intensity
Meter Cubic (m ) 3
m3/person/month
Report
Sustainability
184,140 2025 1.88 2025
150,709 158,543 1.47 1.51
2024 2023 2024 2023
Intensity of GHG (Greenhouse Gas)
GHG Emission* Emission*
Scope-1 & 2
Scope-1 & 2
Ton CO2e/person Ton CO2e/million Rupiah
Ton CO2e
0.59 2025 0.0002 2025
4,786 2025 1.25
2024
3.24
2023
0,0004
2024
0.0012
2023
10,724 28,383
2024 2023
Paper Usage
Reams
50,697 2025
54,057 54,060
2024 2023
*
Restatement explanation is detailed on page 497
478 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 481
Social Performance [POJK B.3]
Proportion of Female Employee Training and Participants in Sustainable Finance
Employees Education Expense Training and Sharing Sessions
% Billion Rupiah People
31.2% 2025 87.3 2025 17,950 2025
31.8% 31.4% 91.9 90.57 11,699 12,242
2024 2023 2024 2023 2024 2023
Customer Engagement
Survey Net Promoter Score (NPS)
Score (Scale of 1 to 5) Score (Scale of -100 to 100)
4.28 45
Report
Sustainability
2025 2025
4.24 2024 4.11 2023 42 2024 35 2023
Employee Turnover Rate [IDX S-03]
Description Number of Employes* Percentage of Employees
Number of Employees Resigning/Terminated 3,684 28.6%
Number of New Employees/Replacements 7,029 54.5%
* Consolidation
Number of Temporary Employees [IDX S-04]
Description Number of Employes* Percentage of Employees
Number of employees held by contractor and/or consultants 5,657 19.5%
* Consolidation
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 479
Page 482
SUSTAINABILITY
GOVERNANCE
Strong sustainability governance serves as a foundation for achieving sustainable finance while building trust
among stakeholders. Following the issuance of SEOJK No. 14/SEOJK.03/2025 on Governance Implementation
for Commercial Banks, Danamon has made the necessary adjustments to the roles and responsibilities of
governance bodies within its Sustainability Governance framework.
SUSTAINABLE GOVERNANCE STRUCTURE [GRI 2-12, 2-13, 2-14]
Danamon has established a tiered sustainability governance structure to ensure effective oversight of the
implementation of sustainable finance strategies as set out in the Sustainable Finance Action Plan (SFAP),
including the management of climate-related risks.
Danamon Sustainability Governance Structure
[GRI 2-9]
Report
Sustainability
Board of Commissioners – through Risk Oversight Committee
Board of Directors
Risk Management Committee (RMC)
Sustainability Sub-Committee
Sustainability Team
ADJUSTMENT OF ROLES AND Board of Directors
RESPONSIBILITIES IN SUSTAINABILITY The Board of Directors monitors the overall
GOVERNANCE implementation of sustainable finance, including
In managing climate-related risks, the Bank climate-related risk management, and leads the
defines the roles and responsibilities of the development of SFAP.
Board of Commissioners, the Board of Directors,
Committees, Sub-Committees, and relevant Risk Oversight Committee
work units in accordance with the organizational The Risk Oversight Committee is a director and
structure, coordination mechanisms for climate risk commissioner-level commitee that conducts
management, and the effective implementation of oversight towards the implementation of Sustainable
oversight. Finance, including managing climate-related risk.
Board of Commissioners Risk Management Committee
The Board of Commissioners ensures the The Risk Management Committee is a director-
implementation of sustainable finance, including level commitee that conducts oversight towards the
climate-related risk management, by reviewing and implementation of Sustainable Finance, including
approving the SFAP, including the sustainability managing climate-related risk.
vision and mission.
480 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 483
Sustainability Sub-Committee Further information on ESG-related risk management
The Sustainability Sub-Committee is part of the Risk aspect is presented in the Risk Management section
Management Committee, with main responsibilities and the Sustainability Risk Management section of
including reviewing and approving priority issues, this Report.
reviewing the development of the SFAP, and reviewing
the Sustainability Policy and its amendment, as well as For additional information, as of the end of 2025,
providing suggestions regarding its implementation Danamon is not part of a Global Systemically
to the Risk Management Committee, including Important Bank (G-SIB). [SASB FN-CB-550a.1]
climate-risk management.
PROCUREMENT GOVERNANCE
The Sustainability Sub-Committee is chaired by Danamon’s operations are supported by suppliers
the Director of Sharia & Sustainable Finance, with that provide goods and services essential to banking
the Director of Global Alliance Strategy serving operations. Currently, Danamon works with 538
as Alternate Chair, and members comprising the suppliers delivering a wide range of services,
Risk Management Director, the Enterprise Banking including insurance, information technology
& Financial Institution Director, the Head of SME development, hardware and software, professional
Business, and the Consumer Lending Business Head. consulting, office supplies, ATM machines,
outsourced workforce services, construction and
Report
Sustainability
Sustainability Team facility services, and financial management services.
The Sustainability Team is a cross-divisional
management team responsible for formulating Governance of cooperation with external parties
and implementing the SFAP as well as preparing is carried out by Danamon’s Procurement Division
sustainability reporting. in accordance with the following principles and
guidelines:
MONITORING AND REPORTING OF - Standard Operating Procedures and Codes
ENVIRONMENTAL, SOCIAL, AND of Conduct to ensure that partnerships are
GOVERNANCE (ESG) RISKS conducted in accordance with high ethical
Monitoring and reporting related to the SFAP including standards;
environmental, social, and governance (ESG) risks, - Anti-Bribery and Anti-Corruption Policies, which
are conducted regularly through meetings and/ include screening for potential violations and
or material circulation of the Sustainability Sub- conducting supplier due diligence. These policies
Committee. The Sustainability Sub-Committee are designed to prevent conflicts of interest
regular meetings are convened at least twice a involving both existing and prospective suppliers.
year, chaired by the Chair of the Sub-Committee. To support transparency in the procurement
The implementation of the SFAP is reported to and process, Danamon provides a Whistleblowing
evaluated by the Sustainability Sub-Committee System (WBS) that enables all parties to report
through circular resolutions or internal meetings at suspected violations or misconduct, thereby
least on a quarterly basis. strengthening accountability in procurement
activities;
Throughout 2025, regular meetings and circular - The implementation of confidentiality agreements,
resolutions of the Sustainability Sub-Committee a Procure-to-Pay (P2P) system and Contract
addressed agendas related to updates on sustainable Management System (CMS) to ensure transaction
finance regulations, monitoring the progress of the security and efficiency, as well as to protect the
SFAP recommendations on third-party assessment confidentiality of the Bank’s, employees’, and
processes, and adjustments to internal sustainability- key customers’ data throughout the procurement
related policies. process. [GRI 2-25] [IDX G-09]
Local and International Suppliers Proportion [GRI 2-6]
2025 2024 2023
Description
Number % Number % Number %
Local Suppliers 503 93 478 94 384 92
Foreign Suppliers 35 7 31 6 34 8
Total 538 100 509 100 418 100
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SUSTAINABILITY
STRATEGY
SUSTAINABLE FINANCE STRATEGY
Sustainable Finance is the integration of Environmental, Social, and Governance (ESG) factors into investment
and financing decisions to allow capital flows into inclusive, equitable, low-carbon, and climate-resilient
economic activities. It is an increasingly critical approach given the substantial financing gap required to
achieve the 2030 Sustainable Development Goals (SDGs) and the Paris Agreement, where the contribution of
Financial Services Institutions is highly relied on.
As a key pillar of Indonesia’s Sustainable Finance ecosystem, the banking sector plays a strategic role in
shifting credit portfolios away from carbon-intensive toward low-carbon economic activities that align with the
Second Nationally Determined Contributions (SNDC) and the SDGs. Banks can also mobilize global climate
financing into domestic projects through co-financing schemes, syndicated loans, and blended finance
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structures with strict adherence to international standards for governance and risk management.
Danamon, as part of the MUFG Group, integrates sustainable finance principles, SDG priorities, and
sustainability governance into the formulation of its SFAP. Environmental & Social Risk Management (ESRM) and
Environmental & Social Risk Analysis (ESRA) for the Enterprise Banking segment (corporate and commercial)
are implemented to enlarge the proportion of ESG-based credit portfolios while limiting credit exposure to
business activities with high environmental and social risk profiles.
Vision and Mission of Sustainable Finance
Sustainability Vision Sustainability Mission
Danamon believes in the importance of delivering sustainable Danamon is committed to creating sustainable value and
products and services. Over time, we will continue to adapt long-term growth for our customers, employees, and the
our business to align with the sustainability expectations communities in which we operate
of our stakeholders, while identifying the most appropriate
solutions to meet their evolving needs.
SUSTAINABILITY POLICY
The Sustainability Policy serves as Danamon’s guiding framework in managing sustainability aspects covering
economic issues and ESG factors. The Policy outlines the Bank’s sustainability governance approach and the
alignment of its performance with the SDGs.
The Sustainability Policy is reviewed periodically to ensure it remains effective and relevant. Its implementation
is communicated to regulators through the SFAP and to stakeholders through the Sustainability Report.
Danamon has established its sustainability vision, mission, and targets, including a commitment to achieve
sustainable financing/credit of 19.2% of the total credit portfolio by the end of 2026. In line with MUFG’s
aspirations, the Bank also targets Net Zero Emissions (NZE) from operational activities by 2030.
DANAMON’S SUSTAINABLE FINANCE ACTION PLAN (SFAP)
The implementation of SFAP serves as the framework for executing Danamon’s sustainability strategy.
The SFAP outlines five priority programs.
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SFAP Programs Based on Priorities
I. Governance and Process Development IV. Responsible Workplace Management
Review of priority sustainability issues, Sustainability Responsible use of resources and workplaces,
Policy updates, sustainability reporting, and participation decarbonization, installation of electric vehicle
in organizations/initiatives related to sustainable finance. charging stations (EVCPs), and purchase of
Renewable Energy Certificate (RECs).
II. Internal Awareness and Development V. Corporate Social Responsibilities
Building external and internal awareness (including Financial literacy, support for improving
training and knowledge management). environmental quality and social issues, disaster
response and disaster risk reduction.
III. Sustainable Financing
Implementation of ESRM, sustainable financing &
investment, Green Taxonomy & Indonesian Taxonomy
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for Sustainable Finance.
DEVELOPMENT OF SUSTAINABILITY CULTURE AND COMPETENCIES [OJK F.1.] [GRI 2-17]
The development of a sustainability culture forms part of the second pillar of Danamon’s SFAP: Awareness and
Internal Capacity Building. This pillar aims to equip employees with the knowledge and skills required to foster
and implement a culture of sustainable finance.
Throughout 2025 the development of sustainability culture and employee engagement in sustainability
programs is conducted through trainings and internal communication channels (e-mail blasts, screen savers)
on sustainability topics, such as financial literacy, entrepreneurship, CSR activities and rapid disaster response
and responsible workplace management. Training and sharing sessions on sustainable finance attended by
Directors and employees, including:
Training related to Sustainability Finance
Name of Training Organizer Participant
E-Learning Process Improvement Culture E-Learning (EAZY) 7,718 employees
7 directors
Pedoman Berperilaku 2025 E-Learning (EAZY) 8,743 employees
3 directors
Scope 3 Financed Emission Calculation 2025 Tri Hita Consulting 20 employees
3 directors
Awareness Session IFRS S1 & S2 EY 27 employees
SF/ESG Financing from MUFG APAC Basic Level MUFG 6 employees
SF/ESG Financing from MUFG APAC MUFG 17 employees
Intermediate Level
OPPORTUNITIES AND CHALLENGES IN SUSTAINABLE FINANCE [OJK E.5.]
Danamon has implemented sustainable finance in line with the issuance of POJK No. 51/2017. In implementing
sustainable finance, Danamon continuously evaluates the various challenges and opportunities involved in its
implementation.
In the context of climate-related risk management, climate-related risk integration into business strategy and
risk framework needs to be implemented extensively–yet gradually–into many aspects, such as products and
services, operations, policies, and organizational structure. In line with these dynamics, Danamon continually
adapts to the implementation of best practices while upholding compliance with the directives issued by
Regulators.
Danamon has also identified existing opportunities, being part of the MUFG Group ecosystem, which has a
strong commitment to sustainability, provides Danamon with a competitive advantage in the implementation
of sustainable finance.
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STAKEHOLDER ENGAGEMENT [OJK E.4.] [GRI 2-29]
Danamon carefully considers environmental, social, and governance (ESG) issues and topics that are of
concern to its stakeholders, as identified through various forms of engagement and feedback that help
enhance sustainable financial products and services. This process also enables the Bank to gain a deeper
understanding of stakeholder needs. Danamon’s key stakeholder groups, determined based on their level of
interest and the significance of their influence on the Bank’s performance, are as follows.
Stakeholder List and Engagement
No Engagement Objectives Engagement Methods Engagement Frequency
1 Customers • Interactions through marketing staffs, branches, Ongoing.
• Develop deeper understanding of managers, regional heads, senior management, call
aspirations, business, and financial centers, and alternative Banking channels. Intensity depends on
service needs. • Customer events, face-to-face meetings, surveys, customer needs and sales
• Provide appropriate advice, proactive marketing and advertising activities. and service opportunities.
financial solutions, and value-added • Formal written correspondence, e-mails, newsletters,
services. and social media communications.
• Ensure maintenance of high service • Customer engagement surveys.
standards.
• Inform product development and
prioritization.
• Obtain feedback for product innovation
and service optimization.
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• Ensure accuracy of customers’ personal
and/or business information.
2 Shareholders and Investors • Annual General Meetings Extraordinary General Formally once or twice
• Provide relevant and timely information. Meetings as needed. annually coinciding with
• Manage expectations, risk management, • Investor briefings for year-end and/or interim results year-end and half-year
and reputation. announcements and roadshows. results releases.
• Maintain strong relationships, monitor • Various investor group meetings.
market developments, and inform • Individual meetings with financial analysts, Ad hoc as requested
performance. targeting strategies. shareholders, investors, and risk management analysts. by financial analysts,
• Ensure good governance and strengthen • Bank’s sustainability materiality evaluation meetings. investment analysts, and
shareholder confidence. investors during open
• Obtain feedback for strategy periods.
development, business operations, and
Corporate sustainability.
3 Employees • Regular direct communication between managers, Continuous engagement at
• Provide strategic direction. teams, and individuals. all levels.
• Ensure Danamon remains the employer • Face-to-face, written, digital communications, and
of choice, providing a safe, positive, and surveys.
inspiring work environment. • Regular meetings.
• Understand and respond to staff needs • Sustainability materiality questionnaire surveys.
and concerns.
4 Suppliers or Business Partners • Negotiations and face-to-face meetings for finalization Continuous, as needed.
• Fulfill all contractual clauses and follow-up and after-sales service.
agreements. • Sustainability materiality questionnaire surveys.
• Obtain necessary products or services.
• Maintain optimal and timely supply of
goods and services.
• Promote responsible practices
throughout the supply chain.
• Obtain input regarding product and
service development.
5 Regulators • Various engagements with central and regional Monthly or as deemed
• Maintain open, honest, and transparent governments, participation in consultative forums. necessary by
relationships while ensuring compliance • Sustainability materiality questionnaire surveys. either party.
with all legal and regulatory requirements.
• Maintain Bank’s various operating
licenses and minimize operational risk.
• Obtain input regarding the Bank’s
sustainability strategy.
6 Academic Institutions • Face-to-face, written, and digital communication. As needed.
Obtain input regarding ESG implementation • Sustainability materiality questionnaire surveys.
and product/service development.
7 General Public and NGOs • Annual reports, press releases, and partnership Continuous, in alignment
• Partnership in implementing sustainable implementation of CSR programs and initiatives. with partnership needs.
CSR programs and initiatives. • Sustainability materiality questionnaire surveys.
• Obtain input regarding areas and focus of
sustainable CSR programs and initiatives.
8 Mass Media • Regular interactions for information sharing and Continuous, as needed.
• Communicate with relevant stakeholders responding to media inquiries.
and broader society to create positive • Product and service launches.
influence and achieve desired business • Interviews with key business media on relevant matters.
outcomes. • Continuous phone and e-mail interactions regarding
• Protect and manage the Bank’s media inquiries.
sustainability-related reputation. • Empowering their audience to make informed financial
decisions.
• Sustainability materiality questionnaire surveys.
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SUSTAINABILITY TOPIC AND SUSTAINABLE DEVELOPMENT GOALS
The sustainability topics presented in this Report are those assessed to have a significant impact on stakeholders
and to be important for Danamon’s business sustainability. Danamon identifies sustainability topics through
topic identification, validation, and prioritization, involving both internal and external stakeholders. The
validation process applies a double materiality approach to assess and select material topics. There is no
change in material topics compared to Sustainability Report 2024.
Danamon also identifies the alignment of its material topics with contributions to the SDGs, based on the
pillars of sustainable finance as follows.
List of Material Topics and their Relationship to SDGs within SFAP Pillars [GRI 3-2]
Internal Awareness and Capacity
Governance & Process
Building
• Anti-corruption
• Cybersecurity Human Resource
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• Human Rights Development
Responsible Workplace Management
Sustainable Financing (Achieving Net Zero from Own Operation
in 2030)
• Credit Portfolio with ESG
• Climate Change
Screening Criteria
• Operational Environmental
• Product and Service
Footprint
Development
Corporate Social Responsibility
• Diversity, Equity, and Inclusion
• Financial Access/Financial
Inclusion and Community
Developmentt
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Danamon’s Commitment Towards SDGs [GRI 2-22] [GRI 3-3]
SDGS COMMITMENT
• Supports the collective commitment to achieve net-zero GHG emissions from its own operations
by 2030;
• Optimizing energy, water, and paper usage across daily business activities. This includes
sustainable waste management practices and a range of innovative initiatives;
• Pursues funding for green projects, such as renewable energy initiatives and climate-resilient
infrastructure, in alignment with regulatory guidance;
• Integrates ESG criteria into investment assessments and credit portfolios as part of its efforts to
accelerate the transition to a low-carbon and sustainable economy;
• Building resilience among low-income communities to reduce their vulnerability to extreme
climate events and economic, social, environmental shocks and disasters through disaster risk
reduction programs;
• Strengthening resilience and adaptive capacity to climate-related hazards and natural disasters
through disaster risk reduction initiatives.
• Committed to developing affordable and accessible Banking services for underserved
communities, thereby bridging economic disparities;
• Support the growth of financing portfolios for small and medium enterprises, as well as
strengthening policies and capabilities to expand access to Banking products and financial
services;
• Maintain a zero-tolerance stance against all forms of discrimination, including but not limited
to discrimination based on race, color, religion, gender, national origin, social status, physical
disability, and marital status.
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Implementing gender equality policies, such as equal pay, maternity leave, and leadership
development programs to foster a more inclusive workplace.
• Ensure equal employment opportunities across all aspects of work;
• Committed to investing in skill enhancement, leadership development through education and
training programs, and employee career development;
• Provide training sessions and knowledge-sharing initiatives to enhance financial literacy and
entrepreneurship capabilities among communities within the Bank’s operational areas.
• Strictly implements anti-money laundering prevention and prohibition mechanisms; promotes
transparency and accountability; and refuses to conduct business with entities involved in
corrupt practices;
• Supports initiatives and organizations dedicated to combating corruption and promoting good
governance;
• Committed to upholding strict ethical standards and human rights principles across all operations.
EXTERNAL INITIATIVES AND ASSOCIATION MEMBERSHIPS [GRI 2-28]
Danamon actively participates in various national banking associations and is involved in multiple initiatives
across the financial sector. This engagement provides valuable insights into best practices and key sustainability
issues within the banking industry. Through such participation, Danamon engages in communication, dialogue,
and knowledge exchange with stakeholders from diverse sectors.
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CREATING
BIGGER IMPACT
With Indonesia’s Net Zero Emissions (NZE) target set SUSTAINABLE LENDING AND FINANCING
for 2060, the country requires large-scale capital Danamon integrates environmental and social aspects
mobilization to finance renewable energy projects, into the financial products and services it provides
energy efficiency initiatives, and low-carbon to the Indonesian public through comprehensive
technologies for both public and business activities. solutions. The development of new and renewable
In this context, the banking sector plays a critical role energy is a priority area in supporting Indonesia’s
as a provider of financing, making it a key pillar in the NZE target for 2060. Danamon and MUFG view this
architecture of the national climate transition. commitment as a strategic opportunity, given the
substantial investment required to achieve NZE, and
As one of Indonesia’s leading commercial banks, are committed to facilitating capital flows to climate-
Danamon continues to strengthen its commitment to related projects in Indonesia.
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Sustainability
promoting sustainable economic growth across the
country, in line with the sustainability commitments Green Financing and Sustainable Financing
of the MUFG Group. This commitment is reflected in As part of the MUFG ecosystem, Danamon prioritizes
the Bank’s SFAP, which focuses on five main pillars, the extension of green lending in response to climate
including Sustainable Financing and Corporate Social change. The Bank provides sustainable financing
and Environmental Responsibility. mechanisms toward a low-carbon economy for retail,
corporate, and community customers, including
SUSTAINABLE FINANCIAL PRODUCTS financing for renewable energy development as
Danamon continues to develop sustainable well as funding for companies transitioning from
financial products as solutions for businesses and conventional technologies to more efficient and
individuals seeking financial services that also deliver cleaner technologies.
environmental and social value. These products and
services include lending and financing, investment Danamon continues to strengthen its sustainable
products, as well as Sharia products, which can finance portfolio (KKUB) through the extension of
be utilized across various industries, including credit based on sustainable assets, or green assets.
corporates, distributors, and suppliers. In 2025, Danamon recorded a significant milestone,
with renewable energy loans reaching Rp13.2 trillion,
In line with this, the Bank strengthens the a substantial increase from Rp3.2 trillion in the
implementation of credit policies that support previous year, accounting for 64.7% of the Bank’s total
sustainable finance principles to ensure increased environmentally oriented loan portfolio. Sustainable
financing for projects with sustainability and climate- financing also includes green asset–based financing,
related value. such as loans to PT Chandra Daya Investasi Tbk for
Total Financing by KKUB to Total Portofolio (in billion Rupiah)
174,777
156,476
144,643
121,902
106,772
41,920 32,707 31,283 25,142 20,911
2025 2024 2023 2022 2021
KKUB Total Bank Loan
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infrastructure development covering sustainable MSMEs, reached Rp21.6 trillion, contributing 51.5%
projects, including renewable energy, water and of the Bank’s total sustainable financing. ADMF also
wastewater management, and energy efficiency. provides Kredit Usaha Anda as working capital loans
with motor vehicle document as collateral.
This use-of-proceeds structure is aligned with the
Green Loan Principles, ensuring tangible benefits for The extension of loans to MSMEs has become
climate change mitigation and adaptation. The long- increasingly important, as one of the key challenges
term loan extended to the joint venture between faced by MSMEs, identified in a WWF report is limited
Chandra Asri Group and EGCO further strengthens access to financing for decarbonization efforts
the Bank’s capability to support high-quality assets (WWF, 2025).
that require longer tenors compared to conventional
financing. Sharia Financing
Danamon Syariah integrates sustainable finance
Sustainability-Linked Loan principles into its products and services, including:
To support sustainable development goals, (1) the Digital Waqf Service, in which Danamon
Danamon, as part of a banking syndication, Syariah acts as a Sharia Financial Institution
extended a Sustainability-Linked Loan (SLL) to Receiving Cash Waqf (LKS-PWU); (2) Social Banking
PT Semen Indonesia (Persero) Tbk (SIG) and and D-Bank PRO, which facilitate the collection of
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PT Solusi Bangun Indonesia Tbk (SBI), linked to social funds such as zakat, infaq, sadaqah, and waqf
greenhouse gas emission reduction targets as defined (ZISWAF); (3) sharia home ownership financing; and
in their Sustainability Performance Targets (SPTs). (4) financing for Hajj and Umrah travel.
Low-Emission Transportation These initiatives reflect Danamon’s commitment
Danamon provides financing for environmentally to strengthening Sharia financial inclusion and
friendly transportation through its business unit promoting ethical and sustainable economic growth.
with Adira Finance (ADMF) as a subsidiary. In 2025, With the sharia banking market share continuing to
Danamon’s financing for environmentally friendly grow, Danamon sees significant potential to further
vehicles reached Rp782.1 billion, an increase of contribute to equitable and inclusive development.
245.1% from the previous year’s Rp226.7 billion.
Since 2023, Danamon Syariah, together with
Decarbonization Solutions MUFG, has collaborated with PT Permodalan
The energy transition is a key agenda to keep the Nasional Madani (PNM) to initiate Sustainable Sharia
global temperature increase below 2°C by the end Social Financing (PSSB), aimed at supporting the
of this century. Together with MUFG, Danamon is implementation of the Sustainable Development
expanding decarbonization solutions for businesses Goals (SDGs) in Indonesia—particularly the goals of
through investment financing (capital expenditure). No Poverty, Decent Work and Economic Growth, and
Reduced Inequalities.
Meanwhile, the Sharia Business Unit provides Ijarah
Muntahiya bit Tamlik (IMBT) financing for operational PSSB is Indonesia’s first sharia social financing
expenditure needs, specifically for customers seeking product, with Danamon Syariah and MUFG
to adopt low-emission technology equipment. These contributing Rp500 billion. The funds are allocated as
two financing schemes are designed to support ultra-micro capital for participants of PNM’s Membina
the aspirations of the MUFG Carbon Neutrality Ekonomi Keluarga Sejahtera (Mekaar) program,
Declaration 2050. with PNM acting as the channeling institution and
providing business mentoring.
Social Financing
In addition to green lending, Danamon provides The PNM Social Financing Framework is designed in
social financing aimed at strengthening the accordance with the ICMA Social Bond Principles as
economic capacity of micro, small, and medium well as the Social Loan Principles issued by the Loan
enterprises (MSMEs). In line with Indonesia’s Market Association (LMA), Asia Pacific Loan Market
sustainable finance regulations, lending to the MSME Association (APLMA), and Loan Syndications and
segment is categorized as a sustainable business Trading Association (LSTA).
activity. In 2025, MSMEs, including channeling to
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In the same year, Danamon also collaborated with PT Pegadaian to pioneer Sustainable Social Financing
(Sustainable Social Loan/PSB)—the first of its kind extended by PT Pegadaian to a Non-Bank Financial
Institution (NBFI) in Indonesia—amounting to Rp500 billion and gradually increased to a total of Rp1 trillion. The
PSB product is intended to support education, MSME development, and individual loans for business start-
ups, which are distributed by Pegadaian through its Gadai Peduli product to underserved and unbankable
communities.
SUSTAINABLE TRANSACTIONS AND INVESTMENTS
To broaden retail investor participation and enhance the value of their investment portfolios, Danamon offers
a range of ESG-focused bond and mutual fund products accessible through the D-Bank PRO application
(Android and iOS) as well as through offline sales services at Danamon Branch Offices. Through its wealth
management services, customers may also get wealth advisory support to guide and optimize their investment
strategies. ESG bond and mutual fund products available during the reporting year include:
• Sukuk Tabungan Series ST014-T4,
• Sukuk Tabungan Series ST015-T4,
• BNP Paribas SRI – KEHATI,
• Eastspring IDX ESG Leaders Plus, and
• BRI MSCI Indonesia ESG Screened.
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Danamon applies sustainable finance principles in its investment activities by diversifying and increasing
the proportion of holdings in corporate bonds that deliver social and/or environmental impact. In 2025, the
Bank’s investment in environmental, social, and infrastructure-oriented bonds accounted for 41.6% of total
corporate bond holdings, up from 27.2% in the previous year. Going forward, Danamon targets that at least
4% of the bonds held by the Bank will generate positive impacts on communities and social or environmental
development, subject to product availability in the market.
SUSTAINABLE FINANCE PORTFOLIO
Danamon strives to deliver tangible contributions through the extension of loans and financing to projects that
not only generate economic benefits but also enhance social and environmental performance. Taking into
account business conditions and sustainable financing trends, Bank targets a proportion of 19.8% credit and
financing distribution by 2030 and continued growth in green and sustainable project financing.
In 2025, Danamon’s lending and financing for sustainability-related activities reached Rp41.9 trillion, up from
Rp32.7 trillion in the previous year, or a growth of 28.2%. The achievement of KKUB is one of the Board of
Directors’ Key Performance Indicators (KPIs).
Total Financing by Category of Sustainable Business Activities (KKUB) and Comparison to Total Portfolio
[SASB FN-CB-240a.1] [SASB FN-CB-000.B] [OJK F.3]
Rounding applied | Rp billion
Description NPL 2025 2024 2023
1. Renewable energy 0.00% 13,171 3,184 1,652
2. Pollution prevention and control 0.00% 1,989 324 66
3. Sustainable management of natural resources and land use 0.00% 1,871 2,626 2,253
4. Environmentally friendly transportation 0.00% 782 227 107
5. Sustainable water and wastewater management 0.00% 1,815 1,844 3,000
6. Product which can reduce the use of resources and produce less 0.83% 360 288 237
pollution
7. Environmentally friendly buildings that meet national, regional, or 0.00% 173 132 39
internationally recognized standards/certification
8. Other business activities and/or activities with an environmental 0.00% 182 776 259
perspective
9. Business activities and/or other activities of micro, small and medium 2.90% 21,576 23,307 23,650
enterprises
Total KKUB financing 3.73% 41,920 32,707 31,264
Total Bank portfolio 0.00% 174,777 156,476 144,643
% KKUB financing to total portfolio 24% 21% 22%
Target % of KKUB financing to total portfolio 20% 23% 21%
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CARBON-RELATED ASSET PORTFOLIO
Danamon classifies its credit disbursement based on carbon-related and non-carbon-related assets, in
alignment with MUFG Group policies. This classification forms part of the Bank’s efforts to monitor its portfolio
within sectors whose business activities are exposed to climate-related risks. In 2025, Danamon recorded a
non-carbon-related asset of 50.9% of total credit and trade finance portfolio, including marketable securities.
Carbon-related Asset
Rounding Applied
2025
Description
Balance
Ratio
(Rp billion)
Energy 3,433 1.9%
Oil & Gas 3,153 1.8%
Coal 281 0.2%
Utilities 2,426 1.4%
Electricity 2,426 1.4%
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Gas Supply and Others 0 0.0%
Transportation 11,447 6.5%
Air Freight 1,486 0.8%
Passenger Air Transportation 0.1 0.0%
Maritime Transportation 475 0.3%
Rail Transportation 0 0.0%
Trucking Services 1,634 0.9%
Automobiles and Components 7,853 4.4%
Materials and Buildings 40,935 23.2%
Metals and Mining 5,534 3.1%
Chemicals 7,125 4.0%
Construction Materials 15,799 8.9%
Capital Goods 1,618 0.9%
Real Estate Management and Development 10,859 6.1%
Agriculture, Food, and Forest Products 31,559 17.9%
Beverages 1,070 0.6%
Agriculture 10,528 6.0%
Packaged Food and Meat 12,121 6.9%
Paper and Forest Products 7,841 4.4%
Carbon-Related Asset 89,801 50.9%
Non-Carbon-Related Asset 86.784 49.1%
Total Credit and Trade Finance Portfolio including Marketable 176,585 100.0%
Securities from All Sectors
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IMPLEMENTATION OF THE INDONESIAN SUSTAINABLE FINANCE TAXONOMY (TKBI)
The Indonesian Sustainable Finance Taxonomy (TKBI) is a regulatory policy that establishes the classification of
economic activities supporting sustainable development across economic, environmental, and social aspects.
TKBI serves as an important reference for Indonesia to increase the allocation of capital and sustainable
financing in support of Indonesia’s NZE target by 2060 or earlier.
Since 2022, Danamon has begun the Indonesian Green Taxonomy (THI) Pilot Project and continued the
TKBI Pilot Project for the energy sector as per OJK’s direction. In 2025, we expanded the scope of TKBI to
the energy, Construction & Real Estate (C&RE), Transportation & Storage (T&S), and parts of Agriculture,
Forestry, and Other Land Uses (AFOLU) sectors. The scope of the TKBI Pilot Project will follow the Nationally
Determined Contribution (NDC)-related sectors and changes therein, subject to the direction of the Regulator.
DEVELOPMENT OF INDONESIA’S
SUSTAINABLE ECOSYSTEM
Together with MUFG and Adira Finance, as One Financial Group,
Danamon is committed to supporting Indonesia’s Net Zero
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Sustainability
Emissions (NZE) target by 2060. A range of financing solutions and
non-financial support has been provided, in line with MUFG’s global
decarbonization strategy.
To expand the sustainable ecosystem and unlock opportunities
for sustainable product development, Danamon collaborates with
MUFG Innovation Partners Co., Ltd. (MUIP) and MUFG Bank through
investments in Indonesian digital start-ups and/or fintech. This
collaboration is realized through the establishment of a venture
fund, MUFG Innovation Garuda No. 1 Limited Investment Partnership
(MUIP Garuda Fund), aimed at advancing the digital finance industry and creating business synergies, including customer
acquisition, network expansion, and enhancement of service capabilities.
The success of sustainable finance depends not only on banking but also on the availability of sustainable projects ready
for financing. To expand these opportunities, Danamon and MUFG collaborated on the MUFG Net Zero World (MUFG N0W)
program, a thought leadership event involving stakeholders, including policymakers, business leaders, and industry experts, to
support sustainability in Indonesia. The MUFG N0W series of activities included the Net Zero School for corporate customers
and MSMEs, with the theme Upskilling in the Face of Uncertainty, focusing on decarbonization, emissions measurement and
reporting, energy-efficient technologies, and sustainable financing practices, and media journalists. The training lectures
covered sustainable finance practices, energy efficiency, and Greenhouse Gas (GHG) emissions calculations. Furthermore, in
2025, Danamon also held a Master Class for media journalists as part of the MUFG N0W series of events to improve financial
literacy and understanding of sustainability and climate action.
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SUSTAINABILITY RISK MANAGEMENT
Assessment of ESG Aspects in the Credit Process
ESG based credit risk assessment is a critical component of the lending and financing process to prevent
and minimize potential negative environmental and social impacts. The Bank conducts environmental and
social risk assessments as part of the credit underwriting process and requires borrowers to provide complete
environmental documentation to mitigate environmental and social risks arising from credit extension. This
includes compliance with requirements for Environmental Impact Assessments (AMDAL) and/or other relevant
environmental documents, as well as the results of the Corporate Performance Rating Assessment Program in
Environmental Management (PROPER), in addition to all applicable legal environmental and social requirements
in accordance with prevailing regulations. Furthermore, credit agreements require borrowers to maintain all
business licenses and other permits, including environmental permits, for their valid periods and to renew
them upon expiry. Danamon also applies provisions on prohibited business sectors, prohibited transactions,
and heightened scrutiny for transactions in certain high-risk sectors.
ESG risk assessment within the credit process is conducted based on the Environmental and Social Risk
Management (ESRM) policy, including the Sustainability Credit Guidelines and the Environmental and Social
Risk Analysis (ESRA) Guidelines, which are aligned with the latest regulations as well as the MUFG Environmental
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and Social Policy Framework. The implementation of ESRM is focused on the Banking & Financial Institutions
Line of Business (EBFI) for the Corporate and Commercial segments.
ESRA Guidelines
The ESRA Guidelines set out specific environmental & social requirements for eleven sectors with significant risk:
Palm oil Mining and Coal Pharmaceuticals Chemicals
quarrying
Steel Textiles Pulp and paper Wood products and Consumer products Oil and gas*
forestry
*
including oil sands, Arctic areas, shale oil/gas, and gas pipelines
Danamon also monitors ongoing credit through an annual debtor review procedure. This process not only
controls potential risks but also ensures the overall quality of credit assessments.
As a third line of defense, the Internal Audit Unit (SKAI) makes an independent assessment of the Sustainability
Credit and the ESRA Guidelines to ensure alignment with industry targets and see whether environmental,
social, and climate change impacts have been thoroughly analyzed during the credit review process. In
2025, the Internal Audit Unit (SKAI) reviewed the provisions on Sustainability Credit and ESRA and their
implementation in the relevant Lines of Business (LOB).
492 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 495
Percentage of debtors implementing the loan Credit percentage (plafond) applying the loan
process through ESRA process through ESRA
86%
67% 77%
50%
38% 58%
2025 2024 2023 2025 2024 2023
Implementation of ESRA Guidelines
Description 2025 2024 2023
Report
Sustainability
Total Debtors that have implemented loan process through ESRA 146 110 81
Total Debtors falling under ESRA category *
219 221 216
Total credit implementing the loan process through ESRA (in IDR Billion) 42,505 35,646 23,049
Total credit under ESRA (in IDR Billion) 49,261 46,455 40,412
*
Total debtors included in the eleven industry sectors with high and medium risk categories based on ESRA Guidelines
CLIMATE-RELATED RISK MANAGEMENT
Following the issuance of SEOJK No. 14/SEOJK.03/2025 on Governance Implementation for Commercial
Banks, Danamon has made adjustments to its internal policies, including strengthening active oversight of
sustainability risk management and climate-related risks.
In 2025, Danamon updated its Bank Risk Management and Consolidation Policy to accommodate climate-
related risk management in the Bank’s business strategy and risk management framework. The points
of renewal in the Bank and Consolidated Risk Management Policy include adjustments to the duties and
responsibilities of the Sustainability Governance body and climate-related risk management in the Bank’s
three lines of defense.
The Regulator has also issued guidance related to the Pilot Project on Climate Risk Management and Scenario
Analysis (CRMS) to support banks in managing climate change risks and assessing the resilience of their
business models to climate impacts. As part of the implementation of CRMS in 2025, Danamon participated in
Phase 2 of the CRMS Pilot Project and has reported the results of climate risk scenario analysis to OJK.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 493
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BIODIVERSITY AND LAND USE–RELATED RISK MANAGEMENT
When providing finance to forestry-related sectors, Bank encourages customers to commit to No Deforestation,
No Peat, and No Exploitation (“NDPE”) and Free, Prior and Informed Consent (“FPIC”). Financing involving
the use of forest areas for the forestry-related sectors should be further analysed using the ESRA Sectoral
Guideline, that includes assessment of High Conservation Value (HCV) areas.
Danamon consistently implements credit policies for the palm oil sector to support sustainable, responsible
palm oil financing. Debtors in the palm oil sector are required to obtain Indonesian Sustainable Palm Oil (ISPO)
certification and are encouraged to achieve Roundtable Sustainable Palm Oil (RSPO) certification. They are
further required to adopt a No Deforestation, No Peat, and No Exploitation (NDPE) policy. By 2025, 93% of
debtors operating in the palm oil sector have obtained or were still in the process of obtaining ISPO/RSPO
certification.
ISPO-required Palm Oil Industry Debtors and Loan Portfolio in 2025
Number of Debtors
Total:
12 1 1
14
Report
Sustainability
85.7% 7.1% 7.1%
Loan Outstanding (Rp billion)
Total:
6,190.07 38.75
6,228.82
0
99.4% 0.6% 0.0%
ISPO and/or RSPO-certified In Progress Not Yet Certified
494 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 497
MINIMIZING
ENVIRONMENTAL IMPACT
For Danamon, environmental impact management is an integral part of its sustainable business strategy,
serving as a tangible manifestation of the Bank’s commitment to addressing the challenges of climate change
and supporting Indonesia’s low-carbon economy transition agenda. Danamon is committed to aligning its
banking operations with environmentally friendly principles and practices to create long-term value for all
stakeholders, as outlined in one of the SFAP pillars: ‘Responsible Workplace Management’
Danamon fully supports the Government of Indonesia’s target to achieve NZE by 2060, as well as MUFG’s
global vision through its Carbon Neutrality Declaration, which sets a specific target of achieving net-zero
emissions from all operational activities by 2030.
In managing the environmental impacts of its banking operations, the Corporate Real Estate Management
Report
Sustainability
(CREM) Division and the Sustainability Finance (SF) Division play a key role in disseminating sustainability
policies and principles through internal communication channels, in collaboration with Internal Communications.
OPERATIONAL ENERGY CONSERVATION AND ACTIONS MITIGATION
Danamon, together with the MUFG Group, has developed a roadmap implemented through a series of concrete
initiatives for emissions mitigation and resource conservation, covering four main areas: improving energy
efficiency, utilizing renewable energy, decarbonizing internal transportation, and participating in carbon
absorption and offset initiatives. Each initiative is designed to deliver measurable contributions toward the
NZE 2030 target.
TRANSPORTATION DECARBONIZATION
To reduce fossil fuel use, Danamon has implemented a low-emission mobility initiative by providing electric
vehicle charging stations (SPKL) at 21 strategic locations of the Bank’s branch offices. The SPKL infrastructure
is a fundamental step to adopt low-emission vehicles faster, not only internally but also to create a low-carbon
mobility ecosystem for the Bank’s customers and the community. Danamon also facilitates electric motorcycle
rentals for employees through its Employee Cooperatives in four locations as part of its commitment to
providing sustainable and environmentally friendly transportation alternatives.
CARBON REDUCTION AND OFFSETTING
Danamon applies a dual approach to reducing its carbon footprint. The Bank undertakes energy efficiency
initiatives. Danamon has gone further by offsetting emissions through the purchase of carbon credits and
active participation in the Indonesian Carbon Exchange since 2024, to support certified climate mitigation
projects in Indonesia.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 495
Page 498
ENERGY EFFICIENCY AND THE USE OF RENEWABLE ENERGY
Electricity usage is the primary contributor to GHG emissions (accounting for 99% of total emissions)
from the Bank’s operational activities, followed by fuel consumption for transportation and backup
power generation (1% of total emissions). By 2025, Danamon will have significantly reduced its energy
consumption, particularly electricity usage, by 22%. Danamon’s main initiatives to reduce energy
consumption and emissions, namely:
Emissions Reduction from Electricity Consumption 2025 (Ton CO2e)
29,451
-620 -741 -598
-1,382
-3,135
-18,433
4,543
4 n g el t
ign
. C) 5
02 tio sin Pa
n ran RE 02
c 2 al) ma Clo ige RF) pa rs c( c 2 al)
Report
Sustainability
De Actu for e lar efr (V am Othe tri De Actu
( n s Sit So R w D,
C . le c (
ion Tra ble Flo LE VSD nE ion
iss ch ria ee iss
Em ran Va Gr Em
B
• Branch Transformation & Site Closing: Danamon redesigned its bank offices to be more efficient
and streamlined the number of bank offices in Indonesia;
• Solar Panel Installation: Installing solar panels as a renewable energy source at 50 Danamon
office locations to reduce electricity consumption from the national power grid (PLN);
• Implementation of Energy-Efficient Technologies: Upgrading to energy-efficient cooling systems
using variable refrigerant flow (VRF) technology at 12 office locations, significantly reducing
electricity consumption, and expanding the use of energy-efficient equipment (LED lighting,
campaigns, VSD, etc.) across 120 buildings and branch offices;
• Purchase of Renewable Energy Certificates (REC): Purchasing 44,207 units of Renewable Energy
Certificates (REC) from PLN to support the development of renewable energy at the national level;
• Green Building: Danamon’s Head Office, located in the Kuningan area of South Jakarta, is an
office building that has achieved Platinum level Green Building certification, reflecting the highest
standards in energy and water efficiency.
DANAMON’S ENERGY AND EMISSIONS PERFORMANCE
In 2025, Danamon recorded total energy consumption of 109,804 GJ, a decrease from the previous year’s
139,786 GJ. The reported figures cover energy usage at Menara Bank Danamon and the Bank’s branch offices
across Indonesia. Danamon’s decarbonization program recorded Scope 1 and Scope 2 emissions of 23,219
tons of CO₂e (gross), down from 29,675 tons of CO₂e in the previous year. Compared to emissions in the 2020,
base year, Danamon has successfully reduced emissions by 12,005 tons of CO2e (CAGR 8%).
Danamon consistently undertakes efforts to reduce GHG emissions and reports its performance annually
through the Sustainability Report. These efforts have received recognition from Investortrust at the 2024
Best Corporate Transparency & Emissions Reduction Awards. In this event, Danamon was awarded the Green
Rating in the Corporate Emissions Reduction Transparency category and the Gold Rating in the Corporate
Emissions Calculation Transparency category.
Emission is calculated based on updated emission factors from Bank Indonesia Green Calculator Guidelines
2024. For the 2025 reporting period, Danamon adopted the GRI 102: Climate Change 2025 Standard to further
enhance the clarity of its climate-related disclosures. All energy and emissions information presented below
relates solely to banking operations and does not include subsidiaries.
496 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 499
ENERGY [GRI 302-1] [IDX E-03]
Energy Usage Rounding applied
Description Unit 2025 2024 2023
Energy from Pertadex (Stationary Generator) Liter 42,491 48,537 44,994
Non-Renewable
Sources GJ 1,615 1,844 1,710
Pertamax (Motor Vehicle) *
Km 1,070,268 784,080 1,033,560
GJ 2,440 1,788 2,357
PLN Electricity kWh 29,083,358 37,280,135 39,033,966**
GJ 104,700 134,208 140,522
Total from Non-Renewable Sources GJ 108,755 137,841 144,589
Energy from Solar Panels kWh 756,380 540,278 125,000
Renewable Sources
GJ 2,723 1,945 450
Total from Renewable Sources GJ 2,723 1,945 450
Total Energy Consumption GJ 111,478 139,786 145,039
* Change in unit
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Sustainability
** Restated due to data measurement method adjustment
Renewable Energy Purchase
Description Unit 2025 2024 2023
REC Purchase kWh 22,424,000 21,783,000 -
GJ 80,726 78,419 -
Total Energy Consumption including RECs [GRI 302-1] [IDX E-03]
Description Unit 2025 2024 2023
Energy Usage From Non-Renewable Sources GJ 28,029 59,422 144,583**
From Renewable Sources GJ 83,449 80,364 450
Total Energy Use GJ 111,478 139,786 145,033
** Restated due to data measurement method adjustment
Energy Usage Intensity [POJK F.6] [GRI 302-3]
Description Unit 2025 2024 2023
Based on Revenue GJ/million IDR 0.0036 0.0048*** 0.0059
Based on Number of Employees GJ/person 13.64 16.35 16.56
*** Restated due to restatement in revenue
GREENHOUSE GAS EMISSIONS [OJK F.11.] [GRl 102-5] [GRl 102-6] [GRI 102-10] [SASB FN-CB-410b.1] [IDX E-02]
Description Unit 2025 2024 2023
GROSS EMISSION
Scope-1 Pertadex (Stationary Generator) Ton CO2e 112 127 118
Pertamax (Motor Vehicle) Ton CO2e 132 96** 127**
Scope-2 PLN Electricity Ton CO2e 23,573 29,878** 30,936**
Total Gross Emissions Ton CO2e 23,817 30,102 31,181
EMISSIONS REDUCTION
Instrument Owned Solar Panel Ton CO2e 598 427 99
Carbon Credit Ton CO2e - - 2,699
RECs from PLN EMI Ton CO2e 18,433 18,951*** -
Total Emission Reduction Ton CO2e 19,031 19,378 2,798
NET EMISSION Ton CO2e 4,786 10,724 28.383
** Restated due to data measurement method adjustment
*** Adjusted subsequent to REC Certificate and emission reduced published by PT PLN EMI
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 497
Page 500
Intensity of Greenhouse Gas Emissions [GRl 102-8]
Description Unit 2025 2024 2023
Based on Revenue Ton CO2e/
0.0002 0.0004** 0.0012
IDR Million
Based on Number of Employees* Ton CO2e/person 0.59 1.25 3.23
*
Only include Danamon
**
Restated due to restatement in 2024 revenue
FINANCED EMISSIONS [SASB FN-CB-410b.4]
Danamon calculates Scope-3 Greenhouse Gas (GHG) emissions from financing activities by referring to the
Greenhouse Gas Protocol: A Corporate Accounting and Reporting Standard Revised (GHG Protocol), IPCC
Guidelines for National Greenhouse Gas Inventories (2006 and revised 2019) to determine the calculation
methodology, and emission factors. Danamon also refers to the 2020 Institute of Partnership for Carbon
Accounting Financials (PCAF) guidelines, which govern methodologies, assumptions, benchmarks, and
qualitative approaches used to assess GHG impacts in the financial sector. Danamon reports financing
emissions based on sector portfolios rather than by asset class.
Debtors included in the reporting scope include 100% of the total corporate loan portfolio, as well as mortgage
Report
Sustainability
loans and vehicle financing in Java. [SASB FN-CB-410b.3]
Scope-3 GHG Emissions (Category 15 - Loan Portfolio) [GRl 102-7] [SASB FN-CB-4l0b.2]
Financed Financed
Emissions Emissions
Emissions Sources’ Industrial Sectors )Ton CO2e( )Ton CO2e(
2024 2023
Processing Industry 2,717,647.1 1,349,475.4
Wholesale and Retail Trade; Car and Motorcycle Repair and Maintenance 1,403,373.6 N/A
Agriculture, Forestry, and FIshery 452,288.6 321,478.5
Supply of Electricity, Gas, Steam/Hot Water, and Cold Air 228,356.0 18,879.5
Transportation and Warehousing 77,719.9 47,264.6
Financial and Insurance Activities 71,834.6 39,271.6
Water Management, Wastewater Management, Waste Management and Recycling, and 66,122.0 111,882.4
Remediation Activities
Real Estate 38,886.0 10,382.4
Construction 32,289.1 45,999.1
Rental and Leasing Activities Without Option Rights, Employment, Travel Agents and Other 19,803.2 N/A
Business Support
Information and Communication 14,799.8 N/A
Mining and Quarrying 11,580.9 68,290.1
Provision of Accommodation and Provision of Food and Drink 3,956.6 N/A
Human Health Activities and Social Activities 916.7 N/A
Professional, Scientific, and Technical Activities 694.8 N/A
Other Services Activities 132.3 N/A
Government Administration, Defense and Mandatory Social Security 81.1 N/A
Education 41.9 N/A
Household Activities as Employers; Activities That Produce Goods and Services by Household 18.6 N/A
to Meet Their Own Needs
Arts, Entertainment, and Recreation 15.7 N/A
Non-other Business Areas 0.0 N/A
Total 5,140,558.3 2,012,923.6
Note:
• Financed emission is calculate using loan data, aligning with PCAF standard.
• The datasets used to estimate the GHG emissions of Danamon’s debtors have different levels of uncertainty due to data availability and corrections.
For example, the available debtor’s financial information period is different from the loan value period; the emissions are based on proxies derived from income
or operational results; and the spend-based method has inherent uncertainty. In addition, the emissions values of some debtors were adjusted from the pub-
lished values.
498 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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NATURAL RESOURCE MANAGEMENT AND WASTE REDUCTION
In implementing its sustainability strategy, Danamon not only focuses on reducing greenhouse gas (GHG)
emissions but also strengthens the management of resources as part of its commitment to environmental
protection. The Company implements systematic resource and waste management policies and programs in
compliance with prevailing laws and regulations to ensure more sustainable operations.
Danamon Environmental Impact Management Matrix [OJK F.5., F.13., F.14.] [GRI 3-3] [IDX E-05] [GRI 306-3]
Focus Area Key Initiatives Strategic Objectives
Water Management Implementing responsible water use policies across the Bank’s Ensuring efficient use of water
branch network. resources and preventing wastage.
Paper Reduction • Encouraging the digitalization of banking processes, such as Reducing carbon footprint and
account opening through the D-Bank PRO application, resource consumption associated
• Implementing double-sided printing, using smaller document with paper usage and document
margins, and reusing paper. distribution.
Office Waste and Waste • Collaborating with Waste4Change for waste management Ensuring responsible waste handling
Management processes and with third parties for the disposal of hazardous in compliance with environmental
waste, regulations.
• Wastewater from Menara Bank Danamon is treated through a
Wastewater Treatment Plant (WWTP) before being discharged
into the municipal drainage system.
Use of Environmentally Selecting and using more environmentally friendly construction Preventing the generation of
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Sustainability
Friendly Materials materials such as gypsum, Medium Density Fiberboard (MDF), hazardous waste after the end of
particle board, and wall paints with low Volatile Organic Compound product life cycles and reducing
(VOC) content. health risks during use.
Responsible Production and Consumption Performance [OJK F.8] [GRI 303-5]
Total Water Usage Water Usage Intensity
Meter Cubic (m )
3
m3/employee/month
1.88
1.47 1.51
184,140 2025
150,709
150.7 Megaliter
158,543
158,5 Megaliter 2025
2024 2023
184.1 Megaliter 2024 2023
Paper Total
Usage Solid Waste* [POJK F.13] [GRI 306-3]
Reams Kilogram (kg)
50,697 2025
54,057 54,060
2024 2023
130,902 2025
130,656 104,545
2024 2023
Covers only office waste generated at Menara Bank Danamon and managed by Waste4Change.
*
The significant increase in water consumption in 2025 was primarily attributable to the implementation of a
more accurate measurement method. With proper management of office waste and garbage, there were no
incidents of liquid waste spills reported throughout the year. [OJK F.15.]
CORPORATE SOCIAL RESPONSIBILITY FOR THE ENVIRONMENT
Danamon’s environmental management commitment extends beyond operations and financing, encompassing
broader community collaboration through structured Corporate Social Responsibility (CSR) programs and
aiming to create sustainable change. Danamon Sustainable Ecosystem is an umbrella initiative that raises
awareness among employees, customers, and business partners about the importance of environmental
issues, including decarbonization efforts and sustainable practices, to raise concerns and enhance skills in
sustainable natural resource management. [OJK F.9., F.10.]
In addition to being done independently, Danamon also collaborates with One Financial Group to promote
environmental conservation. These activities involve planting productive trees and mangroves to support
carbon sequestration, maintain biodiversity, and help mitigate climate change-induced disasters.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 499
Page 502
Danamon’s environment-focused CSR programs can be found in the Community Contributions section of this
report.
Tree Planting Accumulation
Other
Mangrove Plants
Trees Trees
53,500 2025 9,555 2025
ENVIRONMENTAL COMPLAINTS [OJK F.16., F.24.] [GRI 2-26]
Danamon welcomes environmental complaints through its public complaint mechanism, including at branch
offices and on the Hello Danamon platform. Danamon receives, handles, and resolves complaints on
environmental impacts arising from its operational activities. During the reporting year, the Bank received no
environmental complaints.
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Sustainability
Through a holistic approach, from internal operational transformation, responsible financing distribution,
to tangible contributions to the community, Danamon strives not only to continuously grow as a business
institution but also to act as an agent of positive change for environmental sustainability.
Environmental Expenditures (Rp million) [OJK F.4.]
Description 2025 2024 2023
Reducing organic and hazardous waste 279 273 255
Solar panel investment 3,500 4,004 11,059
Varible Refrigerant Flow (VRF) investment 19,200 12,400 -
Total 22,979 16,677 11,314
Note:
Data collected from Menara Bank Danamon (MBD), Jakarta Operational Office (JOO), and Region Office (RO)
500 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 503
GIVE MORE,
GROW MORE [POJK F.25.]
Danamon consistently implements various social Furthermore, the Bank maximized the use of digital
initiatives focused on improving financial literacy and banking channels for broad and comprehensive
inclusion, community empowerment, and capacity financial education. This was also reflected in the
building, both internally and externally. All these relatively high level of internet service penetration in
activities are carried out through cross-divisional Indonesia.
collaboration, including the Branch Network, Human
Capital, Marketing Group, Digital Banking Division, This educational activity through digital banking
Sustainability Finance Division, and the Sharia channels was implemented to support the National
Business Unit. Financial Literacy Strategy, the first pillar of which is
education and a national financial literacy campaign
The effectiveness of its social programs is evaluated to achieve a high level of financial literacy in society.
through Sustainability Sub-Committee meetings to This focus was on providing information on:
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Sustainability
ensure the programs align with the Bank’s strategic • Benefits of banking products,
objectives. In fact, all initiatives in the area of • Fostering public interest in investing,
sustainable finance have been aligned with the • Rights and obligations when purchasing/using
provisions and guidelines issued by the Financial banking products,
Services Authority (OJK). • Understanding the risks that may arise when
purchasing/using banking products,
FINANCIAL LITERACY, FINANCIAL • Basic features of Danamon’s financial products
INCLUSION, AND CAPACITY BUILDING and/or services.
With the establishment of the Financial Literacy and
Inclusion Unit, Danamon strives to expand the scope FINANCIAL INCLUSION
while sharpening the achievements of these two Danamon has several programs to support increased
activities. financial inclusion, including Danamon Financial
Friday, a program of video loops that are uploaded
Financial literacy programs are implemented as every Friday through Danamon’s YouTube channel.
both part and non-part of the Corporate Social Through this Danamon Financial Friday program,
Responsibility (CSR) framework, while financial Danamon provides financial tips and solutions to the
inclusion activities are more directed towards public.
supporting the Bank’s business growth.
Another financial inclusion activity undertaken by
FINANCIAL LITERACY [SASB FN-CB-240a.1] Danamon was its participation in the Indonesia
In 2025, financial literacy activities were implemented International Motor Show (IIMS), which again took
by several units, including Group Marketing, the place in Jakarta and Surabaya in 2025. The IIMS
Sharia Business Unit, and the Branch Network (Non- is an annual automotive exhibition fully supported
CSR category), as well as the Sustainability Finance by MUFG, Danamon, and Adira Finance as Official
Division (CSR category). The education, automotive, Banking Partners and Official Multifinance Partners.
and Hajj and Umrah communities remained the Through this exhibition, Danamon provides various
primary target communities, in addition to Micro, financial services and comprehensive financial
Small, and Medium Enterprises (MSMEs) and various solutions through the Prima Car Ownership Loan
other communities that had been strategic partners (KPM Prima) product, easy transactions through
of the Bank in previous years. D-Bank PRO Digital Banking for all levels of society,
and information about the Danamon Financial Group.
Throughout the reporting period, 43 non-CSR
financial literacy activities and 31 CSR financial In addition, the Bank, through its Sharia Business
literacy activities were implemented. Seventy four Unit, collaborated with Adira Finance Syariah and
in total, these activities reached as many as 9,167 Zurich Syariah to hold a Sharia Financial Inclusion
participants.
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Exhibition at four traditional markets in Banda Aceh, Medan, and, Bukittinggi. This exhibition is a series of
People’s Market Festival activities targeting the Micro, Small, and Medium Enterprises (MSMEs) community.
CONTRIBUTION TO SOCIETY [GRI 3-3, 413-1] [IDX S-12]
In running Corporate Social Responsibility (CSR) program, Danamon adheres to three pillars: economic,
environmental and community, and social. All CSR initiatives are focused on making a tangible contribution
to improving the economic and social well-being of communities, enhancing environmental quality, and
achieving the Sustainable Development Goals (SDGs).
During the planning process, the Bank analyzes community needs through social studies, stakeholder
dialogue, and evaluations of previous program implementation. It is an approach that ensures that the programs
developed are well-targeted and deliver meaningful positive impacts.
Funds for CSR Total
Activities Beneficiaries
Billion Rupiah Person
Rp
3.956 2025 32,000 2025
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Sustainability
502 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 505
CSR PROGRAM IN 2025
Description:
Economic Pillar Environmental Pillar and Community Pillar Social Pillar
Achievement Location
Economic Pillar
1. 14 activities with 2,394 beneficiaries consisting of Banda Aceh, Lhoksumawe, Langsa,
the Hajj & Umrah community, MSMEs, and people Medan, Bukittinggi, Bengkulu,
with disabilities Jakarta, Bekasi, Gorontalo
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Sustainability
2. 17 activities with 1,470 beneficiaries (pupils, Medan, Jakarta, Bogor, Bekasi,
university students, teachers, lecturers) Bandung, Cimahi, Mojokerto,
Surabaya, Makassar, Manokwari
3. 2 Barista Trainings for students with disabilities Jakarta
4. Sustainable Livestock Entrepreneurship Training Aceh Besar
5. Artificial Intelligence (AI) training and learning
Initiative
access for the education community
1. Financial Literacy for All
2. Tour D’Banking
3. Community Development
Achievement Location
Environmental &
Community Pillar [POJK F.12] 1. Conversion of environmentally friendly electric Yogyakarta
pedicabs
2. Rejuvenation of campus buses Surabaya
3. Procurement of solar panel lights & repair of Trans Balikpapan
Bus Stops
4. Construction of rainwater harvesting & filtration Bandung
facilities in schools
5. Rejuvenation of Industrial Engineering laboratories Bandung
6. Provision of reading corners & financial literacy Mentawai
Initiative books in 13 locations
Environmental & Social Concern
7. Provision of Smart Classroom facilities for Medan
Postgraduate Programs
8. Provision of computer desks for schools Pontianak
9. Procurement of sweet potato washing machines Klaten
& ovens for MSMEs (Micro, Small, and Medium
Enterprises) sweet potato farmers
10. Rejuvenation of worship and sanitation facilities in Aceh, Medan, Bukittinggi, dan
people market Bengkulu
Achievement Location
Social Pillar
1. Two disaster risk reduction activities Lombok & Mojokerto
2. Flood Mitigation & Simulation Training on the Ciliwung Jakarta
River
3. Five flood disaster response activities Samarinda, Denpasar, Aceh,
North Sumatra, West Sumatra
Initiative
Disaster Mitigation and Response
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 503
Page 506
ECONOMIC PILLAR ENVIRONMENTAL & SOCIETY PILLAR
Under the Economic Pillar, Danamon’s CSR program One of the flagship initiatives under this pillar in 2025
focuses on financial literacy and capacity building to was the construction of a rainwater filtration and
create economic self-reliance for the community. harvesting facility at Bina Persada School in Kota
Baru Parahyangan. This facility was built to reduce
In 2025, Danamon’s financial education program the burden of groundwater use from drilled wells, in
continued to focus on financial management and line with environmental sustainability principles. After
planning, as well as cybersecurity. A topic of interest the rainwater is harvested, it will undergo filtration
to Gen-Z, who are now in their school and college for various clean-water purposes within the school
years, was Investing. Some of the educational environment, including flushing toilets and watering
programs offered focused on financial management plants. In addition to its positive environmental
and smart and safe investing, which were held at benefits, this facility also provides a solution to
Sari Mutiara Indonesia University, the Indonesia address the dry season, which often leads to water
International Institute for Life Sciences (i3L), the scarcity.
LSPR Communication & Business Institute, and
Parahyangan University. It was an initiative that Danamon took a step further as a form of support for
showed Danamon’s concern about the rise of illegal the operation of Balikpapan City Trans, a Mass Public
financial practices, such as unauthorized online loans Transportation Facility (SAUM) in Balikpapan City,
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Sustainability
and online gambling, as they were beginning to infect when it revitalized one of the bus stops and installed
college life. solar panels for lighting. This initiative aligned
with Danamon’s commitment to encouraging the
Through this program, Danamon affirmed its community to adopt a greener and more sustainable
commitment to increasing the financial understanding lifestyle.
and awareness of the younger generation, enabling
them to manage their finances wisely, stay out of Furthermore, as a manifestation of the Bank’s
the risks of illegal activities, and choose safe and “BISA” values, employees are encouraged to
appropriate investment instruments. actively participate in all CSR activities, including
environmental conservation efforts with One Financial
In some of its financial literacy programs, Danamon Group. More than 250 volunteering employees from
collaborated with One Financial Group, such as the both Danamon and One Financial Group planted
one at Parahyangan University. Through synergies mangroves in Jakarta, Surabaya, Semarang, Bali,
with Home Credit Indonesia, MUFG Jakarta Branch, Makassar, and Medan.
Adira Finance, and Zurich, students received
comprehensive exposure from cross-industry SOCIAL PILLAR
financial experts. Activities under the Social Pillar focused on disaster
relief and risk mitigation.
Danamon also integrated financial literacy and
Artificial Intelligence (AI) into academic activities Throughout 2025, Indonesia faced some natural
where the Bank provided trainings and access to AI disasters, primarily floods, extreme weather, and
learning for college faculty member. Not only did this landslides. This situation underscores the importance
integration enhance lecturer competency, but it also of disaster relief and risk mitigation in sustainability
drove the program’s sustainable impacts, as lecturers programs.
could act as multiplier agents, teaching technology-
based financial literacy to students, creating a ripple To equip the Bank’s Disaster Response Team in
effect for the wider community. handling floods, particularly those occurring in Greater
Jakarta (Jabodetabek), Danamon collaborated with
With consistency, Danamon further incorporated the National Disaster Management Agency (BNPB),
inclusive issues into several financial literacy the Jakarta Regional Disaster Management Agency
sessions by providing interactive learning materials (BPBD), and the Ciliwung Care Community (Mat
with Deaf and Blind Friends, coffee skills training for Peci) to organize a Flood Mitigation & Simulation
students with disabilities, and talk shows on socio- Training on the Ciliwung River. Sixty Danamon and
entrepreneurship. One Financial Group employees volunteered as
participants, hoping to foster collective awareness
of the importance of community preparedness and
active participation in creating a disaster-responsive
and resilient work and family environment.
504 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 507
At the end of the year, Danamon was prompted by flash floods that struck Aceh, North Sumatra, and West
Sumatra to immediately activate its Disaster Response Program, where it distributed some 2,150 logistical aid
packages of basic necessities in three stages, hygiene and school kits, and prayer tools.
PUBLIC COMPLAINTS [OJK F.24.] [GRI 2-25, 2-26]
Danamon is committed to providing responsive and professional services through its branch office network
as well as the Hello Danamon platform. The handling of customer and public complaints is carried out based
on the operational framework for customer protection, which has been aligned with the provisions of the
Financial Service Authority (OJK) and Bank Indonesia regarding customer protection in accordance with
regulated terms.
The Bank provides various channels to receive inquiries regarding information and requests, as well as
complaints or input from customers and the public. In addition, stakeholders may also visit Danamon branch
offices directly to submit complaints or provide feedback.
Public Complaint Mechanism
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Customers and/or their representatives
Receive complaints from
must provide information, such as
customers and/or their
account/card/loan numbers and/or types
representatives through the
of financial transactions, transaction
Bank’s facilities or those provided
dates, and the problems reported with an
by the OJK
attached customer’s identity.
The Bank will notify the customer An assigned Bank officer will input the
of the resolution of the complaint report information into the customer
via e-mail, telephone, letter, or complaint system and give the customer
SMS or a system provided by a registration number and estimated
OJK. time for settlement.
BANK DANAMON CONTACT CHANNEL
● Fixed line and cellular to 1-500-090 (without area code)
● International call to (+62) (21) 2354-6100
● E-mail: hellodanamon@danamon.co.id
● X: @HelloDanamon
● Live Chat (for informational purposes only): 085811500090
Throughout 2025, Danamon received 40,565 customer complaints, all of which were handled in accordance
with the Bank’s established policies and procedures. Of the total complaints received, 97.28% were
successfully resolved, while the remaining 2.72% were still undergoing the resolution process.
Number and Percentage of Complaint Resolutions
Description 2025 2024 2023
Total Complaints 40,565 24,373 24,825
Percentage of Complaint Resolution (%) 97.28 96.27 96.19
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 505
Page 508
HUMAN CAPITAL
Employees are a key pillar in sustaining business continuity. The Bank’s performance is strongly influenced
by employees’ ability to build constructive relationships with stakeholders and to deliver innovations that are
aligned with the Company’s sustainability vision and mission.
EQUAL AND FAIR EMPLOYMENT [GRI 3-3]
To attract the best talent, Danamon implements a recruitment process that complies with legal requirements
and ethical principles, while ensuring respect for the rights and dignity of every individual. The selection
process is conducted comprehensively to prevent forced labor practices and the involvement of child labor.
The Bank also provides various training and awareness programs to enhance employees’ and management’s
understanding of responsible labor principles. [OJK F.19.] [GRI 2-24] [IDX S-10]
Danamon has a Code of Conduct that explicitly prohibits all forms of sexual harassment. This commitment
is further reinforced through the Collective Labor Agreement with labor unions, which includes provisions
for sanctions up to and including termination of employment for employees found to have committed acts of
immorality or sexual harassment in the workplace. [IDX S-08]
To support its commitment to employee welfare, Danamon fully upholds employees’ rights to unionize and to
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Sustainability
form labor unions. Currently, there are three labor unions within Danamon that play an active role in fostering
harmonious industrial relations between employees and the Bank.
Danamon Workers’ Union [GRI 2-30]
Name of Union Date of Establishment
Serikat Pekerja Danamon March 14, 2005
Ikatan Karyawan Danamon March 9, 2018
Union of Danamoners September 11, 2024
Danamon maintains healthy industrial relations with all employees through the implementation of a Collective
Labor Agreement (CLA). This agreement is reviewed and updated every two years, with the most recent
update conducted in 2024 and effective for the period from August 1, 2024 to July 31, 2026. The CLA is
comprehensive in nature and applies to all employees. [GRI 2-30]
EDUCATION AND TRAINING [OJK F.22.] [GRI 3-3]
Danamon views employee competency development as a strategic investment that supports the Bank’s focus
on people, digital, and branding. All training and development programs are designed in accordance with
the Human Resources Policy, with adjustments made by the Human Capital Directorate to address individual
needs while strengthening employees’ leadership capabilities.
The Learning, Engagement, and Corporate University Division is responsible for formulating the Bank’s
learning strategy for employees. Participation in training programs is one of the annual Key Performance
Indicators (KPIs) that must be fulfilled by all employees. These programs are implemented on an ongoing
basis to ensure that employee competencies remain relevant to the Bank’s evolving needs. The effectiveness
of training programs is evaluated through the achievement of established KPIs. In 2025, female employee
participation in training will reach 56% with 54,649 participants. More detailed information on employee
development programs is presented in the Training and Development section on page 273 of this Report.
Employee Training* [GRI 404-1] [IDX S-05]
Description Nominal 2025 2024 2023
Training Programs Programs 1,092 700 892
Training Participants People 96,955 106,027 123,443
Average Training Hours* Hours 41.66 40.76 52.86
Training Investment IDR Billion 87.3 91.9 90.6
Average Investment per Employee IDR Million 0.90 0.87 0.73
*
Data only includes Danamon
506 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 509
DANAMON BANKERS TRAINEE PROGRAM
To prepare future leaders, Danamon implements the Danamon Bankers Trainee (DBT) program. This program
is designed to attract top graduates at both undergraduate and master’s levels and to equip them with the
competencies required to become high-performing leaders in the future.
Throughout 2025, the DBT program was conducted in 4 batches with a total of 110 participants. Over the
course of one year, participants underwent an intensive learning program encompassing the strengthening
of banking knowledge as well as the development of leadership skills, aimed at enhancing their qualifications
and readiness for a career at Danamon.
PERFORMANCE ASSESSMENT [GRI 404-2]
Employee performance assessment at Danamon is conducted through a structured process comprising
Objective Setting, Mid-Year Review, and End-Year Review. Throughout this process, Supervisors provide
coaching, conduct performance monitoring, and support employee development to help individuals maximize
their potential and achieve optimal performance.
In 2025, a total of 667 employees received promotions, with 56.4%, or 376 employees, being women. This
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achievement underscores Danamon’s commitment to fostering an inclusive workplace culture, particularly
through gender equality and the empowerment of women.
REMUNERATION
Danamon implements a remuneration strategy designed to motivate and retain top talent, without discrimination
based on gender, race, age, disability, or other factors unrelated to performance. Remuneration determination
refers to the Operational Reference Framework, including the application of minimum wages in accordance
with the city or regency where employees are based. These minimum wages are reviewed and updated
periodically to remain aligned with prevailing labor regulations. Danamon ensures that all employees receive
wages above the Provincial Minimum Wage (UMP) and the Provincial Sectoral Minimum Wage (UMSP). In
addition, high-performing employees are rewarded with incentive bonuses. [OJK F.20.]
Danamon also ensures that there is no discrimination in base salary and remuneration between female and
male employees. The remuneration ratio between genders is 1:1, reflecting the Company’s commitment to
providing fair compensation based on competence, responsibilities, and contributions, without gender bias.
This policy is aligned with Danamon’s values of equality and inclusivity in the workplace. [OJK F.20.] [GRI 405-2]
In accordance with Indonesian laws and regulations, Danamon provides social protection for all employees
through BPJS Kesehatan and BPJS Ketenagakerjaan, which cover old-age benefits, work accident insurance,
and death benefits.
RETIREMENT PROGRAM
Danamon has a retirement preparation program for employees, which includes training and capacity-building
initiatives such as financial management, exploration of post-retirement business opportunities, and health
maintenance. As of the end of 2025, 218 employees had participated in this program.
DIVERSITY, EQUITY, AND INCLUSION [OJK F.18.] [GRI 3-3] [IDX S-01]
Danamon is committed to fostering an inclusive and equitable work environment in line with the Bank’s
Sustainability Policy. Danamon ensures that all employees are provided with equal employment opportunities,
without discrimination based on gender, ethnicity, or any other aspects of diversity.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 507
Page 510
DIVERSITY OF THE BOARD OF COMMISSIONERS, DIRECTORS, AND EMPLOYEES [GRI 405-1]
Board of Commisioners Diversity Board of Directors Diversity Employee Diversity
9%
15%
31%
91% 85% 69%
Female Male
NON-EMPLOYEE WORKERS
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Danamon employs non-employee or outsourced workers to support its operational activities. The definition of
non-employee workers refers to the definition of “temporary workers” as stipulated in the GRI 2021 Standards.
Number of Non-Employees by Type of Work [GRI 2-8]
Type of Work 2025 2024 2023
Security 1,066 960 1,044
Cleaning Service 584 650 650
Driver 10 10 9
508 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 511
DAYATARA: Realizing Inclusion and Equality
through DAYATARA
Danamon demonstrated its commitment to the the cultivation of empathy through tangible actions,
principles of Diversity, Equity, and Inclusion (DEI) including donation activities.
through the launch of the Danamon Berdaya
Mengusung Kesetaraan (DAYATARA) program in early The Hands of Hope initiative commenced with a
October 2024. In its initial phase, DAYATARA focused donation drive held on September 23–25, 2025,
on promoting equity and inclusion for persons with in conjunction with the International Day of Sign
disabilities in the workplace through a six-month Languages. During this event, participants had the
internship program, running from October 1, 2024 to opportunity to learn Indonesian Sign Language
March 31, 2025. The program took place at Danamon’s (BISINDO) alongside Deaf peers, interact with Deaf
Head Office and some major cities, including Jakarta, baristas from Kopi Sunyi, and write messages and
Bandung, Semarang, and Surabaya. Besides aspirations on the Tree of Hope. Funds collected were
professional skill development, the DAYATARA subsequently distributed on November 24, 2025 to
internship program was also designed to foster Sekolah Luar Biasa BC Sumber Budi in Petukangan,
positive and inclusive social interactions between South Jakarta, in the form of operational support,
Danamon employees and program participants. skills training equipment such as speech trainers and
sewing machines, as well as sports and recreational
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Sustainability
To ensure sustainability, the program was extended facilities.
from August 2025 to February 2026, offering a
broader range of internship positions for participants. Beyond initiatives for persons with disabilities, and
During this period, Danamon also introduced a in line with its broader DEI commitment, Danamon
social initiative titled Hands of Hope, through which also implemented women’s empowerment initiatives
Danamon reaffirmed its support for equality and the through the Women Mentorship Program, launched on
empowerment of persons with disabilities, while March 7, 2025 as part of the DAYATARA program. This
providing opportunities for Danamoners to engage initiative was a collaborative effort between MUFG
directly with the disability community. The initiative Bank, Danamon, Adira Finance, and Home Credit
encouraged interaction, communication learning, and Indonesia, aimed at strengthening the professional
capabilities of women leaders in Indonesia’s corporate
sector.
The Women Mentorship Program took place for a
six-months and comprised one-on-one mentoring
sessions, training, workshops, and networking
activities for selected female employees from the
four entities. Through this initiative, Danamon seeks
to enhance women’s representation in leadership
positions and strengthen the talent pipeline of future
female leaders, while further reinforcing the Bank’s
commitment to fostering an inclusive and diverse
workplace.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 509
Page 512
A HEALTHY, DECENT, AND SAFE WORK 2. Mindfulness Health Talk
ENVIRONMENT [OJK F.21.] [IDX S-11] • Exploring the benefits of mindfulness for
Danamon implements an Occupational Health and mental health and work focus.
Safety Management System (SMK3) in line with • Addressing employees’ needs for stress
Government Regulation No. 50 of 2012 to ensure the management.
highest standards in occupational health and safety 3. Basic First Aid Health Talk
(OHS) for all employees. OHS management is carried • Providing basic training in first aid and life-
out collaboratively by the Corporate Real Estate saving skills.
Management (CREM) Division, including Health, • Enhancing employee preparedness for
Safety, and Environment (HSE) unit. Both units are emergency situations.
responsible for providing adequate OHS facilities B. Vaccination & Medical Screening Activities
and infrastructure, mitigating occupational diseases, (Health Events)
managing disaster or pandemic risks, raising safety 1. Health Event: Influenza Vaccination (All
awareness, and handling workplace incidents. Regions)
• Implementation of flu vaccinations across
All employees are required to maintain a safe all regions to increase immunity among
and healthy work environment and to report any employees and their families against
incidents. To strengthen OHS education, Danamon influenza.
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utilizes various communication channels, such as • The vaccination program will be carried
e-mail blast, digital media, and training. In terms out twice in 2025, specifically during the
of competency development, personnel from the long religious holiday period and at the end
functions undertake certified General OHS Expert of the year, to help maintain employees’
training. In addition, the Bank assigns HSE Officers at immunity.
each organizational level to ensure compliance with • Supporting the reduction of absenteeism
OHS practices within their respective teams. caused by seasonal flu.
2. Health Event: Influenza Vaccination (All
During the reporting period, there were no work- Regions)
related incidents. [IDX S-06] • A follow-up flu vaccination program ahead
of the rainy season.
EMPLOYEE HEALTH PROGRAM • Maintaining employee immunity before the
Danamon continues to provide comprehensive Christmas and year-end holidays.
health benefits for all employees through BPJS 3. Health Event: Mini Medical Check-Up (Mini
Kesehatan and health insurance in accordance with MCU)
Human Capital policies. The year 2025 marks an • A brief health screening to monitor
important period for strengthening employee health employee health conditions, particularly
programs through a series of health promotion checking blood sugar, blood pressure, and
activities, vaccinations, medical education, and the cholesterol levels.
development of the Bank’s internal health facilities. • Focused on early detection of potential
These programs are designed to improve employee health issues.
productivity, encourage healthy lifestyles, and ensure C. Fitness Development and Mental Health Activities
the readiness of healthcare facilities across regions. 1. Motivational Program
The activities include: • A motivation and fitness program for
Mandiri BDI employees.
A. Health Education Activities (Health Talks) • Encouraging an active lifestyle and
1. Flu Vaccine Health Talk boosting employee engagement.
• Focused on preventing influenza after the 2. Health Talk and Socialization for the Opening
long holiday period. of D’Harmony
• Objective: to increase awareness of the • A program focused on employee mental
importance of flu vaccination to maintain health as part of the Bank’s commitment
productivity after the Eid holiday. to creating a healthy, productive, and
sustainable work environment.
510 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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D. Opening of Internal Healthcare Facilities Through this initiative, Danamon reinforces its
(In-House Clinics) commitment to fostering a healthy, safe, and
1. Opening of In-House Clinic BDI Medan – sustainable work environment, while supporting
Diponegoro Branch Office employee productivity and strengthening long-term
• Expanding access to fast and quality organizational resilience.
healthcare services for employees in
Medan, North Sumatra. HUMAN RIGHTS IMPLEMENTATION
2. Opening of In-House Clinic BDI Surabaya – [GRI 3-3] [IDX S-07, S-09]
Gubernur Suryo Branch Office In line with MUFG’s policy, Danamon is committed to
• Expanding healthcare services to the upholding human rights, as set out in the Universal
Surabaya, East Java region to enhance the Declaration of Human Rights and various international
Bank’s medical service coverage. covenants. Based on the materiality testing process
conducted in 2024, human rights is one of the
D’HARMONY PROGRAM topics that has an impact on the sustainability of the
Danamon regards mental health as an integral Bank’s business and its stakeholders, and has been
component of organizational resilience and operational incorporated into the Bank’s Sustainability Policy.
sustainability. As part of its commitment to the Social
pillar of the Environmental, Social, and Governance The implementation of human rights principles
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(ESG) framework, the Bank developed D’Harmony is outlined in the Code of Conduct, which covers
(Danamon Helping All Reach Mental Optimism and freedom of association and organization, a prohibition
Nurturing You), an Employee Assistance Program on all forms of harassment, slander, violence, or
(EAP) that provides comprehensive psychological threats, and legal protection and remuneration in
support to all permanent employees in Indonesia. human resources policies. Throughout the reporting
period, there were no cases of human rights violations
D’Harmony gives employees access to professional within Danamon.
consultation services that can help them deal with
a wide range of work and personal life problems, In the credit assessment aspect, the ESRA Guidelines
including stress at work, family issues, personal include ‘threats to Human Rights’ as a social risk in
development, and emotional well-being. These providing credit/financing to several sectors that
services are available virtually or by phone in both need attention. Also, the human rights aspect is one
Indonesian and English, and include psychological of the social assessment criteria in TKBI Pilot Project
assessments, short-term counseling, and referrals implementation in accordance with the Regulator’s
for further support when necessary. Each employee direction.
is entitled to up to five service sessions per year.
The program is designed with a strong emphasis
on confidentiality and inclusivity to ensure privacy
protection, reduce stigma associated with mental
health, and promote equitable access to services
across the organization. D’Harmony was implemented
in phases throughout 2025 and is planned to be fully
operational by the fourth quarter of 2025.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 511
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PRODUCT INNOVATION
AND DEVELOPMENT
The financial products and services that Indonesia’s deposit to open and a small minimum balance.
banking industry has been providing are meant Danamon also offers D-Wallet as a digital banking
to support nation-building as it pursues equitable solution designed to enhance financial access for
distribution, economic growth, and national stability communities with limited access to physical branch
to improve society’s welfare. The banking industry offices. Through D-Wallet, customers can securely
performs its functions under the prudential principle, and efficiently conduct basic banking transactions,
acting as an Agent of Trust by raising and distributing including digital payments via QRIS, fund transfers,
public funds. and cash withdrawals. These products represent a
transformation of the Branchless Banking concept
As a commercial bank, Danamon carries out this introduced by the Financial Services Authority a
role to the best of its ability by delivering on its decade ago, leveraging digital technology to expand
commitment to providing fair and equitable financial the reach of banking services and support national
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services to customers, while prioritizing transaction financial inclusion.
convenience and transparent communication to
maintain customer trust. [OJK F.17.] In mid-2025, Danamon made some significant
enhancements to its D-Bank PRO mobile banking
FINANCIAL PRODUCTS AND SERVICES FOR application to deliver a more seamless and reliable
ALL user experience for customers. Among the key new
Danamon’s commitment to providing formal financial features of D-Bank PRO is its ability to conduct foreign
services to all segments of Indonesian society is exchange transactions 24/7, enabling customers
reflected in its community-driven products that help to transact without time limitations. Another key
people open and maintain simple yet secure bank feature of the app is Danamon’s support for Bank
accounts. Danamon offers a Basic Savings Account Indonesia’s initiative to expand cross-border QRIS
(BSA), an accessible option for the public to open usage, particularly in Japan, which became the latest
a formal banking account that is easy to open and addition in August 2025, following its earlier usability
suitable for everyday transactions. in Malaysia, Singapore, and Thailand.
The types of BSA accounts Danamon offers include
Danamon Save iB, which complies with Sharia
principles, and TabunganKu, an administration fee-
free saving account with or without a small initial
Use of E-statement
Total Digital
Card
Transactions Statement (%)
Digital Checking
Account (%)
(Million Transactions)
92 90 88 99 93 92
302.5 286.6
123.1
8 10 12 1 7 8
2025 2024 2023 2025 2024 2023 2025 2024 2023
Hardcopy e-statement
512 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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IMPACT OF DANAMON’S FINANCIAL savings, loans, and digital payments. This supports
SERVICES financial inclusion, especially for micro, small, and
For more than 69 years, Danamon’s financial products medium enterprises (MSMEs) that previously faced
and services have delivered comprehensive financial challenges in accessing formal financial services.
solutions and built sustainable, customer-oriented
synergies under the spirit of Growing Together, Beyond financing, the Danamon Berdaya program
Progressing Together. Credit products distributed— provides training, business mentoring, and access
including working capital loans, investment loans, to capital, enabling small business owners to
and trade finance—help businesses finance their develop their enterprises and improve household
operations, expansion, and both import and export welfare. Savings accounts, current accounts,
trade, thereby increasing production capacity and time deposits, and card products help customers
competitiveness. manage daily transactions, save funds, and access
non-cash payments through the ATM network, the
Danamon’s synergy with Adira Finance (ADMF) has D-Bank PRO digital banking application, and cash
also enabled the provision of mortgage loans, motor management services—making transactions safer,
vehicle financing, as well as productive and consumer easier, and faster.
loans, allowing individuals to meet their financial
needs and supporting household consumption Danamon actively promotes financial literacy
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and investment as key drivers of Indonesia’s GDP. across all segments of Indonesian society through
In 2024, Danamon disbursed consolidated loans various events and campaigns that help customers
and trade finance amounting to Rp195.6 trillion, understand financial products, risks, and sound
equivalent to approximately 0.88% of Indonesia’s financial management. The Bank also collaborates
GDP (BPS, 2025), while in 2025 Danamon’s total loan with various stakeholders to promote savings,
disbursement reached Rp212.7 trillion. targeting unbanked and underbanked communities
to encourage account ownership and formal
Danamon’s banking services, built on digital platforms, transaction habits. The growth of communities with
enable communities, particularly those in remote access to formal financial services is reflected in the
areas, to access formal financial services such as growth of Third Party Funds by around 17.8% in 2025.
Total Credit Number of Savings Third
Total Credit and Total Credit for Sustainable and Deposit Party
Trade Finance Disbursed to MSMEs Business Activities Accounts* Funds*
Trillion Rupiah Trillion Rupiah Million Rupiah Million Trillion Rupiah
Rp
212.7 2025
Rp
21.6 2025
Rp
41.9 2025
Rp
3.7 2025
Rp
182.3 2025
*
Customers and Bank
RESPONSIBLE PRODUCT DEVELOPMENT
Danamon is committed to providing safe financial products and services designed to meet the needs of
individuals and businesses, while complying with Sharia principles for Sharia products. All Danamon financial
products and services are developed in accordance with regulatory requirements, internal policies, and
guidelines through a comprehensive process that includes risk reviews, environmental and social assessments,
and user safety considerations to prevent potential losses to customers. All new products and services that
meet the defined criteria must obtain regulatory approval or fulfill regulatory reporting obligations.
Danamon’s product and service security policy guidelines include, among others:
1. M.006-DIR dated October 31, 2024 regarding the Mechanism for Assessing the Materiality of Increased
Risk Exposure from Bank Product Development;
2. Non-Credit Product Program Standard No. 2.6.0.0/RM/ORM/2/2025;
3. Product Program Standards and Credit Guidelines No. 2.9.0.0/RM/CERM/2/2025;
4. Marketing Program Memorandum (MPM) Standard No. 2.5.37.0/RM/ORM/3/2024;
5. Digital Partnership Framework No. 2.2.14.0/GAS/GCO/3/2024, including its amendments.
In 2025, Danamon’s new financial products and services have complied with applicable laws and regulations
and obtained approval from Regulators for relevant products. In addition, 100% of Danamon’s products and
services have been equipped with adequate security systems.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 513
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In 2025, certain services were discontinued in The use of technology to support Danamon’s
line with Danamon’s business strategy, namely operations is ensured to be aligned with the following
the D-Bank PRO website version and Laku Pandai regulations and standard:
services. 1. POJK No. 11/POJK.03/2022 on the Implementation
of Information Technology by Commercial Banks.
In addition, several non-bank products were 2. SEOJK No. 29/SEOJK.03/2022 on Cyber
discontinued based on partner business strategies, Resilience and Security for Commercial Banks.
including the bancassurance partnership for 3. PBI No. 2 of 2024 on Information System Security
Primajaga Umum (Primajaga 50) with PT Asuransi and Cyber Resilience for Payment System
Jiwa Manulife Indonesia, and the mutual fund Providers, Money Market and Foreign Exchange
distribution partnership for BNP Paribas Spektra Market Participants, and Other Parties Regulated
Mutual Fund with PT BNP Paribas Asset Management. and Supervised by Bank Indonesia.
4. PADG No. 24 of 2024 on Information System
PRODUCT SECURITY AND CUSTOMER Security and Cyber Resilience for Payment
PROTECTION System Providers, Money Market and Foreign
To prevent potential negative impacts arising from Exchange Market Participants, and Other Parties
the use of financial services, it is essential for the Regulated and Supervised by Bank Indonesia.
public and prospective customers to understand 5. Law No. 27 of 2022 on Personal Data Protection.
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and use banking services prudently, as well as 6. Law No. 11 of 2008 on Electronic Information
to enhance financial literacy to minimize possible and Transactions and Law No. 19 of 2016 on the
adverse effects. The Bank conducts due diligence on Amendment to Law No. 11 of 2008 on Electronic
prospective customers to assess their credibility and Information and Transactions.
financial capability, and provides clear and detailed 7. Minister of Communication and Information
explanations of the financial products and services Technology Regulation No. 20/2016 on Personal
offered, including any future cost implications. In this Data Protection in Electronic System.
regard, Danamon also applies Know Your Customer 8. ISO 27001:2021 on Information Security
(KYC) protocols to every customer at account Management Systems.
opening to prevent money laundering and terrorism 9. Danamon’s Internal Cyber Risk Management
financing (APU and PPT) as well as the financing Policy.
of the proliferation of weapons of mass destruction
(PPPSPM). CUSTOMER EDUCATION
According to data from the Indonesia Digital Report
To safeguard customer interests, all Danamon 2025, there are approximately 143 million active
products and services are licensed and supervised social media users. With the increasing number of
by the Financial Services Authority (OJK) and Bank social media users and the increasing development
Indonesia. Customer deposits are also protected by of new technologies (such as AI, Deepfake, Voice
the Indonesia Deposit Insurance Corporation (LPS) in Phishing, Fake WhatsApp, etc.), customers need to
accordance with prevailing regulations. be more cautious in their activities on social media
to avoid fraud, which typically targets their personal
With the increasing use of digital financial services, and financial data.
Danamon continues to strengthen the security
integrity of its digital products and services, including To address this issue, Danamon, as a customer-
D-Bank PRO, Danamon Cash Connect, Danamon oriented bank and trusted provider of financial
Digital Onboarding, and D-Save. During the account solutions, continuously increases public
opening process, customer verification utilizes Face understanding and awareness through the
Recognition and Liveness Detection features to #JanganKasihCelah campaign.
ensure security, accuracy, and convenience. Digital
banking security is further supported by multi- #JanganKasihCelah is a campaign that appeals
factor authentication, advanced data encryption to the public to be wise in using social media by
technology, and features that allow customers understanding what information they should or should
to manage access rights, transaction limits, and not share digitally and keeping the confidentiality of
permitted activities on the platform. To enhance their data, including every post on social media, to
transaction security, Danamon has implemented prevent any personal data or confidential information
a Fraud Monitoring System capable of detecting from being unintentionally shared. Education is
potential fraudulent activities. disseminated through the following channels:
514 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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- Social Media DATA SECURITY AND CYBER THREATS
- E-mail Marketing Danamon leverages technology by implementing
- WhatsApp system security standards to create a more effective,
- Communication through Danamon branch teams. efficient business. To ensure data security from
cyber threats, Danamon involves five divisions,
Danamon actively provides financial literacy namely; The IT Cybersecurity Division under the
education to the public through platforms such Information Technology (IT) & Digital Directorate is
as MUFG N0W and its CSR programs, delivering responsible for setting and monitoring cybersecurity
financial and sustainability literacy to customers and standards, and is independent of the IT operational
the wider community, including raising awareness management function; The Information Risk
and encouraging progress toward a low-carbon Management Division under the Risk Management
economy. Further information on Danamon’s literacy Directorate responsible for developing policies and
initiatives is presented in the Community Contribution monitoring information technology and cyber risk
section of this Report. management; the Operational Risk Management
Division develops policies, frameworks, tools (ORM
PERSONAL DATA PROTECTION tools), and monitors the implementation of operational
As a banking institution, Danamon is committed risk management; The Compliance Division that is
to safeguarding the confidentiality and security of responsible for overseeing regulatory compliance on
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customer data and information in accordance with data security; while the Internal Audit Working Unit
applicable regulations. Personal Data Protection (SKAI) Division that is responsible for conducting
is one of the Bank’s key focus areas, implemented independent assessments of the implementation of
through continuously enhanced security measures system security and cyber resilience.
aligned with industry best practices.
Danamon mitigates the risks of data breaches and
To ensure that all employees understand the malware by ensuring that data shared to and from
importance of information security, Danamon external parties is secure, preventing malware from
regularly conducts awareness initiatives through disrupting banking operations, and deploying layered
email blasts, social media content, simulations, security defenses through the use of antivirus
training programs, and e-learning modules. and firewall systems. In addition, Danamon has
established a Computer Security Incident Response
Personal data and corporate data protection are also Team (CSIRT) to proactively detect, respond to, and
applied within the procurement process. Danamon recover from cyber threats in a timely and effective
utilizes mechanisms such as confidentiality manner.
agreements to safeguard information security, as
well as the Procure-to-Pay (P2P) system as an
essential component in enhancing procurement and
transaction efficiency.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 515
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Steps to Ensure Customer Data Security
Implement security measures on work devices,
Data Security Initiatives including employee computers, which include
restricting the use of external storage media, hard disk
encryption, and blocking USB ports.
Developing Danamon’s Information Security strategy to ensure Implementing adequate data security systems and
data protection initiatives and processes against data breaches, technologies, including firewalls, antivirus, anti-
including compliance with banking regulations, while maintaining malware, data encryption systems, as well as network,
the confidentiality, integrity, and availability of information, namely endpoint, and application security devices.
through the development of cyber risk management policies that
cover data protection aspects.
Implement restrictions on access to external e-mail
and illegal or dangerous websites, and use Data
Loss Prevention (DLP) procedures equipped with
warning systems and approval mechanisms for every
Identify data security risks using an information asset unauthorized e-mail data transmission.
risk register, identify types of data or information assets,
establish data security processes, and ensure that data is
properly controlled. Implement role-based access control on restricted data
by applying the principle of least privilege to prevent
unauthorized access to systems, functions, data, and
information.
Developing a strong information security risk culture
Report
Sustainability
among Danamon employees through training that covers
understanding the importance of information security,
Implement third-party risk management in every
related policies and procedures, and how to protect
collaborative activity, outsourcing, or partnership
customer data and information.
involving the management of Bank customer data.
CUSTOMER DATA COMPLAINT MECHANISM
Danamon has established reporting mechanisms for both internal stakeholders and customers. Internal
reporting can be made through the IT Helpdesk or the Security Operations Center, while customers may
submit reports via Hello Danamon. Every report received is followed up by the relevant unit and involves the
IT Cyber Security team if it is related to data security or cyber threats.
Danamon is open to and values feedback and complaints from customers, the community, and other
stakeholders. For issues concerning customer data security, grievances can be delivered through Hello
Danamon or at any branch offices. By 2025, Danamon will not receive any complaints related to customer
privacy/data. [SASB FN-CB-230a.1] [GRI 418-1]
CUSTOMER SERVICE AND SATISFACTION
Danamon evaluates the quality of the Bank’s services across various touchpoints and compares Danamon’s
performance with other banks by conducting customer satisfaction surveys using the Customer Engagement
(CE) Survey and Net Promoter Score (NPS) methods. The CE Survey measures various aspects of the bank’s
services. In 2025, Danamon achieved a score of 4.28, an improvement compared to the previous year.
NPS, which indicates the likelihood of customers recommending Danamon, recorded an increment from
42% to 45%, showing a 7% improvement compared to the previous year. This growth was driven by branch
service enhancements and the launch of D-Bank PRO 2.0, aimed at improving service quality and customer
experience.
Customer Net Promoter
Engangement Score
Scale 1-5 Scale -100 to 100
4.28 2025
4.14 4.11
2024 2023
45 2025
42
2024
35
2023
516 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 519
ABOUT
SUSTAINABILITY REPORT
This Sustainability Report presents information on Danamon’s sustainability performance for the period from
January 1 to December 31, 2025. Danamon publishes its Sustainability Report annually in accordance with
regulatory requirements. The previous Sustainability Report was published on February 26, 2025. [GRI 2-3]
The financial data and information on employee headcount presented in this Report are consolidated data,
including the Bank’s subsidiary, PT Adira Dinamika Multi Finance Tbk (ADMF). In this report, there are several
restatements, namely:
• Financial data for 2024, related to the merger of Mandala Finance and ADMF.
• GHG emissions data, related to:
a. data measurement method adjustment,
b. adjustment subsequent to REC Certificate and emission reduced published by PT PLN EMI in 2025.
Report
Sustainability
Further details can be found in their respective sections.
This Report has been prepared in accordance with Financial Services Authority Regulation (POJK)
No. 51/POJK.03/2017 on the Implementation of Sustainable Finance, OJK Circular Letter (SEOJK) No. 16/
SEOJK.04/2021 on the Form and Content of Annual Reports of Issuers or Public Companies, as well as OJK
Circular Letter (SEOJK) No. 14/SEOJK.03/2025 on the Implementation of Governance for Commercial Banks.
In addition, this Report also refers to the Global Reporting Initiative (GRI) Standards 2021 and the Sustainability
Accounting Standards Board (SASB) standards for the Commercial Banking sector. [GRI 2-2, 2-4]
Through the publication of this Report, Danamon aims to provide information to stakeholders regarding the
Bank’s active role in supporting the sustainability agenda. There were no significant changes to Danamon’s
business and value chain throughout 2025. [OJK C.6.]
Danamon values all feedback and constructive input from stakeholders regarding the Sustainability Report
published. All feedback received will be used as evaluation material to improve the quality of the Report in the
following year. During the current reporting period, Danamon did not receive any feedback on the previous
year’s report. [OJK G.3.]
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 517
Page 520
ASSURANCE OF
THE REPORT [GRI 2-5]
To ensure the quality of the Report, Danamon conducted an internal review and verification process by the
relevant teams under the direct supervision of the Board of Directors. In addition, Danamon appointed Decar
Verite Asia as an independent party to perform external verification of the Sustainability Report.
Decar Verite Asia was not involved in the preparation of the Report and had no conflicts of interest during
the verification process. The external assurance was conducted in accordance with the AA1000 Assurance
Standard (AA1000AS) v3, Type 1, with a Moderate level of assurance, in line with the principle of Accountability.
Detailed information on the results and methodology of the external assurance is available in the Independent
Assurance Statement on page 556-558 of this Report.
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518 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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08
CORPORATE
DATA
PT Bank Danamon Indonesia Tbk
2025 Annual Report
520 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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PRODUCTS AND SERVICES
CONSUMER BANKING DANAMON SAVE DANAMON TIME DEPOSIT
Danamon Save provides you with A product with the placement of
DANAMON LEBIH PRO digital savings suitable for fulfilling funds that offers a competitive
Danamon LEBIH PRO is a unique all your digital transaction needs interest rate, flexibility of tenor and
savings product designed to with the following advantages: multiple choices of currencies.
meet the needs of transactions • No administration fees.
in foreign currencies. Here are • No cash withdrawal fees at WEALTH MANAGEMENT
some advantages of the Danamon various domestic ATMs for up We provide a wide selection of
LEBIH PRO Savings Account: to 20 times per month. investment products according to
• 12 currencies in 1 account, • No transfer fees via BI-FAST customer needs, which include:
consisting of USD, EUR, JPY, through D-Bank PRO for up to
AUD, CAD, CNY, GBP, HKD, 20 times per month. MUTUAL FUND
NZD, SGD, SAR. Choice of various Mutual Fund
• Competitive foreign exchange FLEXIMAX products (including equity, fixed
rates, with a 5x difference Premium savings product with income, balanced, money market,
guarantee if a more several benefits, such as: and protected fund) in Rupiah
competitive rate is found. • Attractive interest rates. & USD denominations covering
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• Ease and benefits of • NoRTGS/SKN/Clearing various markets and sectors from
transacting abroad with the transfer fees. all over the world, with support
Danamon LEBIH PRO Debit • No transfer fees to other Banks from 9 leading Investment
Card: via BI-FAST. Manager business partners who
- No conversion fees. • No domestic cash withdrawal have long experience running
- Auto switching currency. fees for up to 25 times at ATMs business in Indonesia.
- 5% cashback per month of other banks in the ALTO/ - PT Schroder Investment
for every transaction Prima/ATM Bersama network. Management Indonesia.
overseas. • No overseas cash withdrawal - PT BNP Paribas Asset
- Savings on cash withdrawal fees for up to 25 times per Management.
overseas. Applicable month in Mastercard/Cirrus/ - PT Manulife Aset Manajemen
in +210 countires at Maestro ATM network (for Indonesia.
Mastercard/Cirrus/Maestro individual customer). - PT BRI Manajemen Investasi.
network ATMs. - PT Batavia Prosperindo Aset
• Ease and benefits of TABUNGAN DANAMONADIRA Manajemen.
transacting domestically with Tabungan DanamonAdira is a - PT Bahana TCW Investment
the Danamon LEBIH PRO Debit savings account specifically Management.
Card: designed for customers who - PT Ashmore Asset
- 5% cashback per month open an account through PT Management Indonesia Tbk.
for transactions at Gas Adira Dinamika Multi Finance Tbk - PT Eastspring Investments
Stations & Supermarket/ (ADMF) when they apply for ADMF Indonesia.
Minimarket. credit facilities, featuring a special - PT Sucorinvest Asset
- Enjoy 30x free BI-Fast autodebit for Adira financing that Management).
transfers per monthly at is activated immediately.
D-Bank PRO and free cash
withdrawals at more than TABUNGAN CITA2KU
100 thousand ATMs in An installment savings product
Indonesia’s ALTO/Prima/ with attractive interest rates to
ATM Bersama network make all your dreams come true.
with a minimum balance Deposits start at Rp200,000
before the transaction of per month, with flexible periods
Rp1 million. ranging from 1 to 15 years.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 521
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Apart from that, Danamon also STRUCTURED PRODUCT DANAMON MASTERCARD
has several choices of ETF Mutual Investment in Rupiah and foreign PLATINUM CREDIT CARD
Fund products in collaboration currencies that are a combination Now, make #WacanaJadiNyata
with PT Indo Premier Investment of derivative and non-derivative easier for the whole family! With
Management as Investment instruments, offering potentially the Danamon Mastercard Platinum
Manager and PT Indo Premier higher returns compared to Credit Card, various personal
Sekuritas as dealer participant. conventional time deposits. needs can be fulfilled more
Structured Products can serve practically and economically.
BONDS as an alternative investment Get 1 D-Points reward for every
• Indonesian Government Bonds for investors with a short to transaction worth Rp2,500, 5%
denominated in Indonesian medium-term investment horizon. cashback for bill payments up to
Rupiah and US Dollars are Currently, PT Bank Danamon Rp100,000 and easy transactions
debt securities issued by the Indonesia Tbk offers 2 (two) through QRIS.
Government of the Republic Structured Products: Market
of Indonesia based on Linked Deposit (MLD) and Dual DANAMON JCB PRECIOUS
conventional principles (Surat Currency Investment (DCI). CREDIT CARD
Utang Negara) or Sharia Danamon JCB Precious Credit
principles (Surat Berharga DANAMON CARDS Card is designed for travel
Syariah Negara), with fixed Danamon credit, charge, and enthusiasts seeking exclusive
or floating coupons/income payment cards offer seamless privileges. Enjoy D-Points for
distribution and various tenors. transactions and are designed to every transaction of Rp2.500,
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complement your lifestyle. as well as bonus 8.000 D-Point
• Corporate Bond Products every month with minimum
in Rupiah denomination are DANAMON GRAB CREDIT CARD accumulated transactins of Rp10
debt securities issued by Danamon Grab Credit Card is million. Accumulated point can
companies (state-owned designed to empower Indonesia’s be redeemed to airline miles
enterprises/private) with fixed young generation with smart and various rewards redemption
coupons and various tenors. financial solutions. Cardholders options. In addition to that, enjoy
earn D-Points for every Rp2,500 a comfortable travel experience
FOREIGN EXCHANGE spent which is redeemable with complimentary Indonesia and
A foreign exchange transaction for exciting rewards, including overseas airport lounge access.
service with an agreed rate by shopping vouchers, airline miles
both parties on the transaction and various other redemption DANAMON MASTERCARD®
date. Since 2022, Danamon options. Additionally, the card WORLD CREDIT CARD
launched the FX Online Feature offers a flexible installment This premium card is designed
in D-Bank PRO with competitive program of up to 36 months, to complement your modern
live rates in trading hours. This allowing greater flexibility in lifestyle with exclusive benefits
feature provides convenience managing your finances. and privileges. Enjoy various
for customers to fulfill their forex attractive rewards, such as
transaction needs directly from DANAMON VISA PLATINUM collecting rewards D-Point
the palm of their hand. These CREDIT CARD for every Rp2,500 spent and
forex products are also supported The Danamon Visa Platinum redeemfor a variety of exciting
by ‘FX Direct Call’ services, which Credit Card offers exclusive rewards. Enjoy complimentary
give customers the possibility benefits tailored for you and your access to airport lounges in major
to do forex transactions directly family. Enjoy 10% cashback up cities across Indonesia, along with
with the Treasury Team and ‘FX to Rp200,000 every month for exclusive offers at select hotels
Leave Order’ services, which retail transactions on weekends, and restaurants, making every
give customers a chance to do get 1 D-Points for every transaction experience more rewarding.
forex transaction order placement of Rp2,500 and enjoy exciting
with an agreed rate starting promos for you and your family.
from market closing until market
opening on the next day.
522 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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DANAMON VISA INFINITE insurance, access to domestic DANAMON PAYLIGHT CARD
CREDIT CARD and international airport lounges, Danamon PayLight Card is a virtual
This premium card offers and special promotions at card designed to make shopping
exclusive privileges tailored for a fashion outlets and restaurants in effortless and convenient for
refined lifestyle. Enjoy a variety Indonesia. users, embodying the spirit of
of attractive features, such #AntiRibet #JadiRingan (free of
as earning D-Points for every DANAMON PLATINUM CARD® hassle and unburdening). With
Rp2.500 retail spent that can be The Danamon Platinum Card® is the ability to shop now and pay
exchanged for a variety of point presented exclusively to select in installments, this card offers a
redemption options and exclusive individuals to offer an exceptional 0% interest installment feature
privileges as well complimentary transactional experience. As a for up to 3 months. Users can set
24/7 personal service through premium card, you will enjoy spending limits tailored to their
Visa Concierge. This card also a rewarding accumulation of needs and enjoy the flexibility
provides exclusive access to Membership Rewards® Points for of customizing the virtual
airport lounges in major cities every Rp2,500 retail transaction, card display according to their
in Indonesia as well as various complemented by comprehensive preferences.
special offers at partner hotels travel insurance protection
and restaurants. for you and your family. This CONSUMER CREDIT
card provides flexibility with a PRODUCTS
DANAMON WORLD ELITE™ dynamically adjusted credit limit
MASTERCARD® CREDIT CARD based on your spending patterns, MORTGAGE
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A prestigious credit card presented supported by 24/7 priority service The Danamon Mortgage product
exclusively for premium clients through a dedicated Relationship is a consumptive financing facility
and designed to make every life Manager and The Platinum Card® issued by PT Bank Danamon
experience more memorable. Service, ready to fulfill all your Indonesia Tbk with property
Enjoy the various advantages needs with the highest standard collateral. It has a minimum
of this product, such as earning of service. installment period of 1 (one) year
D-Points for every Rp2,500 retail and a maximum of 30 (thirty)
transaction in domestic and DANAMON AMERICAN years. Interest rates for Danamon
overseas. Furthermore, enjoy a EXPRESS® GOLD BUSINESS Mortgage products consist of:
range of premium facilities such CARD • Fixed tiers until the end of the
as complimentary access to The Danamon American Express® credit period (for certain loan
domestic and international airport Gold Business Card is designed tenors).
lounges, free access to golf clubs, for individuals within the small- • Fixed for a certain period and
travel insurance, and a dedicated to-medium business sector who will be floating in the period
Relationship Manager for an require a reliable payment tool to thereafter.
added convenience in fulfilling all support their business operations.
your needs. This card offers enhanced Terms and interest rates may differ
flexibility with two key features: according to the type of product
DANAMON AMERICAN Early Pay Cashback, which and the financing objectives.
EXPRESS® GOLD CARD rewards customers for making
The Danamon American Express full payments, and a low interest Danamon Mortgage is designed
Gold® Card comes in two physical rate of up to 1.5% for monthly to assist customers in financing
designs: Gold and Rose Gold, bill payments, providing ease in the purchase of houses, shop
crafted to support a premium managing business cash flow. houses and apartments home
lifestyle by offering valuable renovations, home construction,
benefits such as facilitating DANAMON AMERICAN with property as collateral,
transactions, and a range of EXPRESS® CORPORATE CARD through various product
exclusive perks through earning This card is designed to provide choices and characteristics.
Membership Rewards® Points for efficiency and cost-saving
every Rp2,500 retail transaction. solutions for medium-sized and
These benefits include travel multinational companies, enabling
them to effectively manage their
daily business expenses.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 523
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a. KPR Danamon e. Kredit Multi Guna (KMG) PROTEKSI PRIMA MEDIKA
This provides financing for A loan of cash funds wherein Prima Medika Protection is an
the purchase of houses/shop collateral is owned by the insurance product with Hospital
houses/offices, whether new debtor. The type of collateral Treatment Benefits with a
or used, as well as for buildings is homes, shop-houses or premium refund at the end of the
that are ready stock or are apartments. The maximum contract if no claims are made for
indented. The maximum loan loan offered is Rp8 billion, with 5 (five) consecutive policy years.
offered is Rp15 billion while the installment periods ranging
installment periods range from from 1 to 10 years*. PROTEKSI PRIMA AMANAH
1 to 30 years*. A sharia life insurance product
) Subject to change according to
*
Danamon’s policy.
that provides Death Benefits, Total
b. Kredit Pemilikan Apartemen Permanent Disability Benefits, and
(KPA) KREDIT PEMILIKAN MOBIL/ End of Membership Benefits. It
This product provides MOTOR (KPM) PRIMA offers a minimum of 100% of the
financing for the purchase Kredit Pemilikan Mobil/Motor total premiums (contributions)
of apartments/SOHOs (KPM) Prima is a vehicle financing that have been paid.
(Small Office Home Offices)/ product managed by PT Adira
Condotels/Town House Dinamika Multi Finance Tbk that PROTEKSI PRIMA INVESTA
Strata Titles/Shop Houses offers 2-wheeled (motorcycle) OPTIMAL
Strata Titles/Condominiums, and 4-wheeled (car) vehicle Unit linked life insurance with a
whether new or used, as well financing to Danamon customers lump sum premium payment that
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as buildings in ready stock or with competitive interest rates. provides investment benefits and
indented. The maximum loan It provides this service for both life protection at the same time.
offered is Rp15 billion with passenger and commercial Key benefits include additional
installment periods ranging vehicles and has simple document protection against inflation risks
from 1 to 30 years*. requirements and comprehensive and investment benefits.
insurance options.
c. Kredit Perbaikan dan PROTEKSI PRIMA INVESTA
Pembangunan Rumah (KPPR) MULTI-PURPOSE LOAN (MPL) UTAMA
These are loans granted for This Multi-Purpose Loan (MPL) is a Unit linked life insurance with
the purpose of building or cash loan product that is provided regular premium payments,
renovating residential houses/ by pledging vehicle or motorcycle which provides several benefits;
shop-houses/apartement. The ownership documents. This the benefits include investment
maximum loan offered is Rp15 service is managed by PT Adira benefits, death benefits due to
billion with installment periods Dinamika Multi Finance Tbk and illness, and death benefits due to
ranging from 1 to 10 years*. is offered to Danamon customers accidents amounting to 200% of
with competitive interest rates, the total asset insured.
d. Kavling Siap Bangun (KSB) simple document requirements
This service grants loans for and comprehensive insurance PROTEKSI PRIMA
the purpose of purchasing options. PERLINDUNGAN UTAMA
lots on top of which residential A unit-linked life insurance with
houses will be built. KSB is only BANCASSURANCE periodic premium payments. It
granted for certain developer provides optimal protection until
locations. The maximum loan PRIMAJAGA 100 the insured is 110 years old and
offered is Rp15 billion with This term life insurance product comes with a variety of additional
installment periods ranging provides protection against insurance options.
from 1 to 7 years*. death and disability risks through
monthly benefits (or as a substitute PROTEKSI PRIMA RENCANA
for family income). Customers get UTAMA
a premium refund according to Proteksi Prima Rencana Utama
the entry age level if no claims are is a unit-linked life insurance
made during the coverage period. product done with regular
premium payments that offers
comprehensive life protection. It
524 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 527
targets middle and upper-class PROTEKSI PRIMA MASA DEPAN PENSION FUNDS OF FINANCIAL
customers who need optimal This is a Dwi Guna insurance INSTITUTION (DPLK) OF
protection. It comes with an product for customers who want MANULIFE INDONESIA
investment element. to protect their family and children This is a defined contribution
in the future by providing them pension fund program designed
PROTEKSI PRIMA with long-term protection benefits to provide employees/participants
PERLINDUNGAN UTAMA to prepare them for future funds. with financial guarantees when
SYARIAH they reach retirement age. This
Sharia-based unit linked life PROTEKSI PRIMA SEHAT product can be used by employees
insurance with regular premium GLOBAL as part of their companies or
payments that provides optimal A health insurance product that as individuals. It’s a pension
protection until the Insured is 110 offers comprehensive protection program that allows employees
years old, equipped with a variety for medical expenses within and to more easily be able to retire in
of additional insurance options. beyond Indonesia (according to prosperity. The program can also
individual billings). It comes with help companies/entrepreneurs to
PROTEKSI PRIMA EMAS PLUS optional benefits (i.e. Outpatient be successful in their business, as
Proteksi Prima Emas Plus is an Benefits, Dental Benefits and it can boost employee loyalty and
endowment insurance product Childbirth Benefits) and is also productivity in the workplace.
that provides guaranteed benefit marketed under a Family Plan
payments for retirement needs. option. GROUP LIFE AND HEALTH
It also offers transfers of wealth This Protection program is
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from the age of maturity to the PROTEKSI PRIMA KRITIS aimed at companies to provide
end-of- coverage period. ANDALAN their employees with a sense of
A health insurance product that security in case unexpected risks
PROTEKSI PRIMA PENDAPATAN provides coverage benefits for occur, such as health issues. This
BERENCANA four major critical end-stage offer works for both outpatients
A dual-purpose life insurance illnesses (Cancer, Heart Attack, and inpatients, as well as for
product with a coverage period of Stroke, or Kidney Failure) with a mental healthcare services.
20 (twenty) years. The premium 100% premium refund.
payment period varies: premiums ASURANSI KEBAKARAN
are all at once or every 5 years. PROTEKSI PRIMA SIAGA An insurance product that
It provides coverage benefits in An insurance product that provides compensation for your
the form of annual cash payment provides death benefits, total residence and personal property
benefits starting from the 6th permanent disability benefits, in the event of loss or damage due
anniversary of the policy, death temporary disability benefits to risks such as fire, explosion,
benefits and benefits at the end of and end-of-coverage benefits lightning, aircraft collision, and
the coverage period. (customers get a 50% premium smoke.
return at the end of the 5th year).
PROTEKSI PRIMA WARISAN ASURANSI PROPERTI
TERENCANA PROTEKSI PRIMA HARAPAN Development of Fire Insurance
Proteksi Prima Warisan Terencana This is a Critical Illness Insurance products with extended coverage
is a whole life insurance that offers product with two stages of options for risks such as riots &
death benefits due to natural protection benefits against critical civil commotion, theft, landslides,
causes and additional benefits illness: Early Stage Critical Illness floods, earthquakes, volcanic
for death due to accidents Benefits and Late Stage Critical eruptions, and tsunamis. This
and benefits for the end of the Illness Benefits. insurance product also provides
coverage period. protection for properties and their
contents (inventory) according to
the occupation.
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ASURANSI KENDARAAN ASURANSI KARGO HEALTH INSURANCE –
BERMOTOR RODA 4 This insurance provides protection MEDICILLIN
(AUTOCILLIN) against risks that may occur during This product is a form of employee
An insurance product that the shipment of goods, whether benefit in the health insurance
provides coverage for your by land, air, or sea transportation. program provided by companies
car. The coverage provided by Coverage begins when the goods for their employees. Medicillin
Autocillin Car Insurance includes leave the warehouse or storage guarantees outpatient health costs,
Comprehensive and Total Loss location and continues while they hospitalization, childbirth, surgery
Only guarantees, which can are in transit at the port (ordinary and other medical procedures.
be extended to cover risks transit) until they reach their Policyholders can easily access
such as floods, earthquakes, destination. important information and policy
civil commotion, legal liability data through the Medicillin App
to third parties, and personal ASURANSI REKAYASA from their devices. Through
accident coverage for drivers and This insurance provides protection this product, Medicillin has
passengers. Currently, Autocillin against material damage or collaborated with Halodoc
is equipped with the best features, losses that occur accidentally, (a leading digital platform in
such as Emergency Roadside unexpectedly, and are not Indonesia) to provide convenience
Assistance, and service features excluded from the insured object. in consulting services with doctors
like the Autocillin Mobile Claim It also provides liability coverage and for buying medicine online.
Application and Autocillin Mobile for damage or loss suffered
Service, ensuring continuous by third-party. Protection is PERSONAL ACCIDENT
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delivery of the best service with a provided during the construction INSURANCE
fast and easy process. period or installation phase. A product that provides
Additionally, it covers damage or protection if the insured dies or is
ASURANSI KENDARAAN loss of machinery or electronic permanently disabled due to an
BERMOTOR RODA 2 (MOTOPRO) equipment under its responsibility. accident.
An insurance product that provides
coverage for your motorcycle ASURANSI PERLINDUNGAN ASURANSI MIKRO TIPUS
(“Insured”). Compensation is UMKM (SME PACKAGES) A micro-health insurance
provided for total loss/damage This insurance provides product that specifically protects
or damage exceeding 75% protection for businesses against customers who suffer from
(seventy-five percent) of the asset loss, business interruption, typhus. It provides daily care
motorcycle directly caused by fire customer or visitors, and for benefits of Rp500,000 per day for
or accidents such as collisions, owners and employees. Business up to 10 days when hospitalized.
impacts, overturning, skidding, protection is maximized with the
falling, malicious acts, theft, extended coverage options. It ASURANSI MIKRO DEMAM
or other traffic accidents, in offers four extended coverage BERDARAH
accordance with the Indonesian options (such as asset protection, Micro health insurance product
Standard Motor Vehicle Insurance business interruption, customer or that specifically protects
Policy (PSAKBI). visitor protection, and owner and customers who suffer from
employee protection). Dengue Fever with daily treatment
HEAVY EQUIPMENT benefits of Rp500,000 per day for
INSURANCE ASURANSI PERJALANAN up to 10 days when hospitalized.
This insurance provides protection (ZURICH TRAVEL INSURANCE)
for your Company’s heavy An insurance product that provides
equipment, such as tractors, protection against various
bulldozers, excavators and crane travel risks, both domestically
diggers (and others) from losses and internationally, such as trip
or damages due to collisions, fire, cancellation, loss or damage to
theft, or accidents caused by third luggage, and illness during travel.
parties.
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ASURANSI MIKRO DEMAM ASURANSI PERJALANAN PROTEKSI PRIMA
BERDARAH PLUS – D-BANK PRO (ZURICH TRAVEL INSURANCE) – PERLINDUNGAN ANDALAN
Micro health insurance product D-BANK PRO A life insurance product from
that provides daily inpatient Travel insurance product that Manulife Indonesia with a limited
compensation benefits and lump provides various protection premium payment term. This
sum compensation if the Insured benefits while traveling. The product provides Death Benefit,
is diagnosed with Dengue Fever benefits provided include the Critical Illness Benefit (if choosing
or Dengue Hemorrhagic Fever risk of personal accidents, the Maxima Plan), and a maximum
by a Doctor and laboratory medical and other emergency Maturity Benefit.
examination results that show benefits, trip cancellation and
that the Insured has a decrease in changes, protection for baggage DANAMON SYARIAH
platelet count to below 150,000 or and personal effects, costs for
a positive NS1 test result. repatriating bodies and other DANAMON LEBIH PRO iB
related costs, and other need- Danamon LEBIH PRO iB is a Sharia
ASURANSI MIKRO HOSPITAL based benefits. savings product under a Custody
CASH PLAN 5 DISEASES – (Wadiah) scheme provided for
D-BANK PRO PROTEKSI PRIMA ANDALAN individual customers who need
Micro health insurance product A life insurance product designed transaction solutions in various
that provides daily inpatient to help you prepare for the risks currencies, including 12 (twelve) in
compensation up to the maximum of Death Due to Natural Causes one currencies with one account
coverage value specified in the or Death Due to Accidents. : IDR, USD, EUR, JPY, AUD, CAD,
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Coverage Summary if the Insured Additionally, this product provides CNY, GBP, HKD, NZD, SGD, SAR
medically requires inpatient a Benefit at the End of the and no transaction fees.
services after being diagnosed Coverage Period in the form of a
by a doctor for one or more of 50% refund of the total premiums DANAMON SAVE iB
the 5 covered diseases, including paid. A special savings product
Dengue Fever and/or Dengue for individual customers in
Hemorrhagic Fever, Typhus, PROTEKSI PRIMA BERKAH Rupiah, in accordance with the
Pneumonia, Meningitis, and A Sharia-based dual-purpose principles of Sharia Profit Sharing
Diphtheria. (endowment) life insurance (Mudharabah) and Deposits
product that provides Cash (Wadiah), which prospective
AUTOCILLIN – D-BANK PRO Payment Benefits of up to 138% buyers can open anywhere
Autocillin has been recognized as of the total contribution and Death and anytime through the digital
a Top Brand in the car insurance Benefits of 132 times the monthly services of the D-Bank PRO
industry in Indonesia for years. contribution with protection for 25 application. Danamon Save iB
The comprehensive protection years and a payment period of 8 helps customers manage their
that Autocillin offers for the years. finances for various needs such
policyholder’s car covers the as monthly expense management
risk of collisions, fire, theft, legal PERLINDUNGAN OPTIMAL or long-term planning.
liability to third parties, riots, PENYAKIT KRITIS
terrorism and sabotage, floods, Insurance that provides benefits TABUNGAN DANAMON LEBIH iB
earthquakes, and accidents in the form of compensation if Danamon LEBIH iB believes that
for the policyholder and family the Insured experiences an early every effort, every rupiah, or every
(including medical expenses). stage critical illness, late stage little thing matters. Therefore,
critical illness, terminal illness, Danamon LEBIH iB is a Sharia
MOTOPRO – D-BANK PRO and a second medical opinion as product that tries to value every
This is Indonesia’s leading well as a no claim bonus of 25% rupiah customers earn. It’s time
motorcycle insurance product. if there are no claims for 2 years. for the customers to have better
It protects motorbikes from the financial control as they enjoy
risk of loss and total damage (that every feature of Danamon LEBIH
exceeds 75%) due to accidents. iB.
Policyholders are also protected if
they have an accident while riding
a motorbike, except for accidents
at home and at work.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 527
Page 530
TABUNGAN FLEXIMAX iB an auto debit process from GIRO BISA iB
Transactional savings products the source account to the iB The business current account
use sharia principles of profit Hajj Planning Savings account product under the Mudharabah
sharing (mudharabah) in rupiah with the deposit amount and (profit sharing) scheme that offers
currency specifically offered time period according to the transaction freedom, and provides
to individual and institutional/ customer’s choice. more benefits for customers, such
Company customers and as ease of transactions using
provide attractive profit sharing TABUNGAN BISA UMRAH iB Internet Banking (D-Bank PRO &
according to their placement Sharia-compliant term savings D-Connect), 24 Hour Account and
balance but with minimal costs under the Mudharabah (Profit Transaction Information Services
such as administration fees and Sharing) scheme that assists via Hello Danamon, making it
transaction fees via ATM. customers in planning funds for easier for customers to manage
their Umrah. Customers save cash flow.
TABUNGAN SYARIAH iB monthly through automatic debits
WADIAH from the debit source account DEPOSITO SYARIAH
Savings product with a deposit to the BISA Umrah iB Savings A term deposit product managed in
agreement (Wadiah contract), account. The amount of regular accordance with sharia principles
which provides convenience deposits per month depends and intended for individual or
and freedom of transactions on customer’s choice starting Corporate customers under a
for customers, with minimal from Rp300,000 to Rp5 million profit sharing (Mudharabah)
costs such as free monthly with terms ranging from 6 to 72 scheme.
Data
Corporate
administration and transaction months.
fees (cash withdrawals & balance LAYANAN PEMBAYARAN HAJI
checks at ATMs of other Banks, TABUNGAN BISA QURBAN iB KHUSUS
transfers to other Banks). The planned savings product PT Bank Danamon Indonesia
uses the Sharia principle under Tbk (Danamon) through its
TABUNGAN HAJI iB the profit sharing (Mudharabah) Sharia Business Unit (UUS) has
Savings that facilitate customers scheme in Rupiah currency, been appointed as the Bank that
realizing their intention to take Hajj. offered to realize the intention to can receive deposits - fees for
Both for customers who have met do Qurban. Funds will be debited organizing the Hajj (BPS-Bipih)
the initial deposit requirements monthly through an auto debit by the Hajj Financial Management
and customers who are planning process from the source account Agency (BPKH) which gives
funds for the Hajj pilgrimage. to the BISA Qurban iB Savings convenience for members of the
• Rekening Tabungan Jemaah account with the deposit amount Hajj community and prospective
Haji (RTJH) and time period depending on Hajj pilgrims to access Danamon
Providing convenience for customer’s choice. services, especially special Hajj
customers to register for the deposit payment services through
Hajj pilgrimage by paying TABUNGAN PERENCANAAN Danamon branches, which is
an initial deposit for the Hajj SYARIAH iB a special Hajj deposit payment
Organizing Fee (BPIH) of Rp25 Savings plan with Sharia principles service in dollars (USD).
million which is connected of profit sharing (Mudharabah)
directly to the Indonesian to help customers plan personal LAYANAN PENERIMAAN
Ministry of Religious Affairs’ finances for e.g. children’s WAKAF TUNAI
Integrated Hajj Computerized education, worship plans, and Danamon Syariah has been
System (SISKOHAT). various other goals online via the appointed as an LKS-PWU (Sharia
D-Bank PRO application and Social Financial Institution – Cash Waqf
• Tabungan Rencana Haji iB Banking application. Opening an Recipient) which provides Cash
A Sharia-compliant savings account becomes easier because Waqf Receipt Services and makes
plan of profit sharing it can be done anytime and it easy to pay endowment cash
(Mudharabah) in Rupiah anywhere. Customers can choose waqf in cash via the Social Banking
currency offered specifically a regular savings period with daily application or socialbanking.id. in
to realize customer’s intention or weekly or monthly options collaboration with digital partner
to do Hajj. Funds will be when opening an account.
debited every month through
528 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 531
PT Minasa Teknologi Universal stock or are indented. The SHARIA EMPLOYEE
and Nazhir who has been certified maximum financing offered is COOPERATIVE FINANCING iB
as a Cash Waqf Management Rp15 billion while the financing Financing under Mudharabah
Institution, giving waqf is now period ranging from 1 to 30 (profit sharing) scheme to
more comfortable and reliable. years*. Employee Cooperative which is
then distributed to members of the
PROTEKSI PRIMA AMANAH b. Pembiayaan Pemilikan Employee Cooperative who needs
Sharia-based term life insurance Apartemen (PPA) financial services with receivables
product that covers death This product provides as collateral.
compensation, total permanent financing for the purchase
disability benefits and benefits of apartments/SOHOs SHARIA RURAL BANK
at the end of the membership (Small Office Home Offices)/ FINANCING iB
period in the form of a return Condotels/Town House Working capital financing under
of contributions that have been Strata Titles/Shop Houses Mudharabah (profit sharing)
formed (if any) when the policy Strata Titles/Condominiums, scheme to BPRS (Sharia Rural
matures. whether new or used, as well Bank) then distributed to BPRS
as buildings in ready stock customers to provides working
SHARIA MORTGAGE iB or indented. The maximum capital and investment financing
The Danamon Sharia Mortgage financing offered is Rp15 billion needs.
product is a financing tool issued with financing period ranging
by Sharia Business Unit PT Bank from 1 to 30 years*. SHARIA WORKING CAPITAL
Data
Corporate
Danamon Indonesia Tbk with FINANCING iB
property as collateral. It has a c. Pembiayaan Perbaikan dan A short-term financing product to
minimum installment period of 1 Pembangunan Rumah (PPPR) provide working capital needs in
(one) year and a maximum of 30 This product provides financing accordance with Sharia principles.
(thirty) years. Agreement scheme for the purpose of building or
Danamon Sharia Mortgage renovating residential houses, SHARIA INVESTMENT
products consist of: shop-houses. The maximum FINANCING iB
• Leasing scheme (IMBT – Ijarah financing offered is Rp15 billion A medium and longterm financing
Muntahiya BIt tamlik). with financing period ranging product to provide investment
• Partnership scheme (MMQ – from 1 to 10 years*. purposes such as capital goods/
Musyarakah Mutanaqisah). fixed assets or non fixed asset in
d. Kavling Siap Bangun (KSB) accordance with Sharia principles.
Terms of the financing period This product provides
and pricing for the profit sharing financing land plot of which SHARIA LEASING iB (IJARAH
scheme and leasing scheme residential houses will be built. MUNTAHIYA BIT TAMLIK/IMBT)
may differ according to the type KSB only provides for certain A working capital and investment
of product and the financing developer locations. The financing product offered as
objectives. maximum financing offered leasing of certain assets with the
is Rp15 billion with financing option of transfer ownership at the
Danamon Sharia Mortgage is period ranging from 1 to 7 end of the rental period through
designed to assist customers in years*. sale and purchase or grant
financing the purchase of houses, according to Sharia principles.
shop houses and apartments. e. Pembiayaan Multi Guna
It also helps them finance (KMG) TRADE FINANCE iB
house/villas renovations and This product provides Sharia-compliant and
constructions through property as financing for obtaining cash comprehensive Trade Finance
collateral, with various selections funds wherein collateral is services and financing solutions
of products and characteristics. owned by the customer. The to provides working capital
a. Pembiayaan Pemilikan Rumah type of collateral is homes, financing.
(PPR) stores/offices or apartments.
This provides financing of The maximum financing
houses/shop houses/offices, offered is Rp8 billion and with
whether new or used, as well financing period ranging from
as for buildings that are ready 1 to 10 years*.
*
) Financing period subject to Danamon’s
policy.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 529
Page 532
KORAN SHARIA ACCOUNT cardless cash withdrawals, Given below are some of D-Bank
FINANCING (PRKS) iB balance inquiries, overbooking, PRO’s signature features:
Working capital financing interbank transfers, PIN changes, 1. Payment:
for business entities with an purchases, and payments. Payments via QRIS D-Bank
extendable term of 1 year in the The CRM machine is currently PRO can be made using
form of a Current Account and in available in 4 languages: funds available in the savings
accordance with Sharia principles. Indonesian, English, Japanese, account or Danamon credit
and Chinese. This service is cards.
SPECIAL HAJJ PACKAGE available at more than 850 CRM
FINANCING – DANAMON BISA (Cash Recycle Machine) locations QRIS D-Bank PRO can be
HAJI across Indonesia. accessed without logging
A Sharia-compliant financing in (just by entering m-PIN)
service for Special Hajj packages, HELLO DANAMON and from the D-Bank PRO
utilizing Ujrah (service fee) As part of Danamon’s commitment main page. Also available for
payment, designed to facilitate to prioritize service to customers, cross-border transactions in
registration for Special Hajj. This Hello Danamon serves customer Malaysia, Singapore, Japan,
service enables customers to needs, including giving information and Thailand.
obtain a Hajj registration number and service transactions, and
faster, provides affordable operates as a designated channel 2. Foreign Exchange:
installment options within a where customers can voice their With a competitive exchange
defined term, and offers a shorter complaints on Banking products. rate, customers can make
Data
Corporate
waiting period compared to Hello Danamon can be accessed foreign exchange transactions
regular Hajj. via phone 24 hours every day, and order Bank Notes through
e-mail, live chat, and social media. the app. Customers can do
UNSECURED LOAN foreign exchange transactions
ELECTRONIC BANKING 24/7, whenever and wherever.
DANAMON DANA INSTANT CHANNEL
Danamon Dana Instant is an 3. Credit Card:
unsecured multi-purpose loan D-BANK PRO For easier cash flow
facility for individuals with D-Bank PRO by Danamon is the management, customers can
competitive interest that can Bank’s digital channel that aims use the My Own Installment
be used to meet all needs, the to provide need-based services feature to change Danamon
application and process are quite to customers. Danamon sees Credit Card bills or transactions
easy and come with many tenor how the need for digital channels into installments or the Money
options of up to 3 years and a loan has shifted since they are now Transfer feature and have the
limit of up to Rp200 million. used not only to fulfill Banking remaining Danamon Credit
transaction needs but also to Card limit transferred to a
ATM SERVICES cater to customer’s lifestyles, Danamon Savings account
24-hour Online Electronic Banking such as Top-up Game Vouchers, within only 30 seconds.
service with cash withdrawal Foreign Exchange Transactions,
facilities, balance checks, and Credit Card Transactions, as 4. Protection:
overbooking, Interbank transfers, well as public service transactions Apply for Vehicle, Health
purchases, and payments. such as payments for property tax (Car & Motorbike), and Travel
Customers can access 90 or BPJS. Insurance from Zurich via the
Danamon ATMs across Indonesia, app.
supported by tens of thousands of With D-Bank PRO by Danamon,
ATMs with local networks such as Danamon aims to provide 5. Application Personalization:
ATM Bersama, PRIMA and ALTO. financial solution with benefits Customers can customize the
and offers through the D-Bank D-Bank PRO menu display to
CRM SERVICES (CASH PRO #SelaluMenggoda campaign.
RECYCLE MACHINE)
24-hour online electronic Banking
service with facilities for cash
deposits, cash withdrawals,
530 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 533
suit their needs, from menu LAYANAN EDC MERCHANT on Danamon. Direct Debit
order to the appearance of DANAMON Danamon transactions are easy
favorite transactions for easier Danamon provides comprehensive and secure, as they use a PIN or
access. Customers can also payment transaction facilities SMS OTP code for transaction
change their avatar in the for Merchants through EDC verification.
D-Bank PRO application. machines, which can now accept
card payments (Credit/Debit Visa, D-WALLET BY DANAMON
6. Ease of Other Transactions: Mastercard, GPN) via contact (dip) An electronic money service
Customers can register and contactless (tap without a from Danamon that can be
favorite transactions in the PIN) methods, as well as domestic accessed through Android or
Quick Menu for repeated and international QRIS scanning. iOS smartphones, without prior
transactions of the same These machines come with various savings account opening. This
amount and purpose through standard operational features, application offers various features
the main menu. Additionally, such as purchase transactions that help you with your daily digital
customers can register for various card types and QRIS, transactions, such as:
transfers or bill payments cancellation, reversal, settlement, 1. Practical QRIS Payments for
as Scheduled Transactions and installment payments for paying at merchants or for
to repeat transactions on a Danamon credit cards. shopping at minimarkets.
regular basis. 2. No Admin Fee Transfers to
DANAMON BILLINK other D-Wallet accounts. You
LAYANAN MERCHANT QR It is a digital solution in the form can also transfer to a Danamon
Data
Corporate
DANAMON of an integrated website from Bank Account or Other Bank
Payment services using QR as a Danamon that can be used Accounts.
digital payment medium facilitated by the Community to manage 3. Hassle-Free Cash
by Danamon. This service can and receive one time/regular Withdrawals, allowing you to
be used by Merchants who have payments from its Members. withdraw cash at Danamon
collaborated with Danamon for The Community can manage ATM machines without
the management of their payment member data, billing data, and needing a debit card.
transactions where buyers scan view payment history. 4. Quick and Easy Top-Up for
QR Codes that comply with GoPay, OVO, ShopeePay,
QRIS. Merchants will get a the Danamon BillLink offers flexible DANA, and LinkAja, anytime
Static QR Code which is used to payment options, such as paying and anywhere.
process payment transactions as bills via Auto Debit from your
well as access to the Danamon Danamon account or by transfer D-Wallet by Danamon services
QR Application. The Danamon to a Danamon Virtual Account can also be accessed through
QR application can be accessed from any bank. partner applications of Danamon.
by Merchants via mobile phones Currently, customers can use the
with an Android and iOS operating DIRECT DEBIT DANAMON D-Wallet by Danamon electronic
system that is connected to the The service provided to money service in the Adiraku
internet network. This application Danamon individual customers application by Adira Finance.
provides convenience for for conducting online payment
Danamon QR Merchants to receive transactions using a Danamon DANAMON DIGITAL ONBOARDING
notifications in the form of push Account as a payment option API services that allow Danamon
notifications, monitor transaction on Third-Party applications/ account opening are available
history, generate dynamic QR websites that have partnered in third-party applications such
codes, check static QR codes, as with Danamon. Direct Debit as Adira Finance, DANA, and
well as change and reset their PIN. Danamon offers convenience in Bareksa, which have become
In addition, Sameday Settlement transactions, requiring only a one- Danamon’s partners.
services have been introduced as time registration service through
a new feature. the third-party application/site by
entering the Bank account and
phone number that are registered
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 531
Page 534
Prospective customers as users of KREDIT KEPEMILIKAN TEMPAT SHIPPING GUARANTEE (SG)
the above third-party Application USAHA RUKO (KTU RUKO) A facility provided to importer
can easily open an account A financing facility for the customers (on a LC/SKBDN
(end-to-end), including the KYC purchase of business premises, opened at Danamon) to obtain
process conducted digitally with such as warehouses, shophouses, power of attorney over goods
Danamon video banking agents. or office buildings, with low from a shipping Company if the
installment plans and long loan original Bill of Lading has not
PRODUK PEMBIAYAAN UKM terms. One of its key features is its been received by Danamon or the
lower installments because part of customer while the goods have
OVERDRAFT LOAN (KRK) the principal can be repaid at the arrived at the port of destination.
These are loan facilities provided end of the loan term.
for working capital purposes. CLEAN LC/SKBDN
They are extendable short- TRADE FINANCE NEGOTIATION (CLN)
term loans. This product offers These are facilities provided to
flexibility where withdrawals can LETTER OF CREDIT/SKBDN exporter customers (beneficiaries)
be made at any time using a draft With the use of a Letter of Credit in the form of negotiations with
(cheque/bilyet giro) and can be (LC) or SKBDN facility, Danamon conditions where the documents
extended. will guarantee payments to presented are in accordance with
the seller (exporter) while also the terms and conditions of the
KREDIT BERJANGKA (KB) guaranteeing the buyer (importer) LC/SKBDN.
A loan facility intended for short- that the payment will only be
Data
Corporate
term working capital needs and made on the basis of presentation DISCREPANT LC/
can be extended. Withdrawal of of documents in accordance with SKBDN NEGOTIATION (DLN)
loan funds can be done using a the terms and conditions in the These are facilities provided
Promissory Note (Promes) with a LC/SKBDN. to exporter customers
certain maximum period until the (beneficiaries) in the form of
maturity of the credit facility. The INCOMING COLLECTION document negotiations under
maximum Promissory Note period SERVICES (ICS) conditions where the documents
is 180 days and must not exceed These are services provided by presented are not in accordance
the term of the Credit Agreement Danamon to handle document with the terms and conditions of
(SPK). collection using a documentary the LC/SKBDN.
collection payment method sent
KREDIT ANGSURAN by the Remitting Bank to Danamon OUTGOING COLLECTION
BERJANGKA (KAB) which acts as the Collecting Bank SERVICES (OCS)
A financing facility intended to (or a Presenting Bank). A service provided by Danamon
support customers’ business to exporter customers (drawers)
activities by meeting their INCOMING COLLECTION to handle documents from
investment and business AVALIZATION (ICA) documentary collection. Through
development needs. The types of Incoming Collection Avalization this, Danamon acts as a Remitting
investments eligible for financing (ICA), also known as Billing Bank that will send documents
include productive assets such as Availability, provides avalization of from drawers (exporters) and
land, buildings, equipment, and billing for imported documents that obtain payments from importers
industrial machinery, as well as guarantees payment to the Seller (drawees) through the Collecting
working capital financing and the (Exporter) in the Documentary Bank.
refinancing of business premises Collection payment method.
in the form of commercial TRANSFERABLE LC/SKBDN
properties, including office Transferable LC/SKBDN are LCs/
buildings, factories, shophouses, SKBDNs that can be transferred
office units, kiosks, and strata-title by the original (first) beneficiary to
kiosks. one or more second beneficiaries.
Transferable LCs/SKBDNs
are used when the supplier of
goods sells goods through an
intermediary and does not have
direct contact with the final buyer.
532 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 535
CONFIRM LC/SKBDN OPEN ACCOUNT FINANCING TRANCHE ADMF I - NEW
Confirm LC/SKBDN is guarantee (OAF) VEHICLES
Danamon offers to the Exporter Financing provided to buyers/ Collaboration between PT Bank
Customer (Beneficiary) in addition importers or sellers/exporters Danamon Indonesia Tbk and
to the guarantee from the Issuing for domestic and international PT Adira Dinamika Finance Tbk
Bank, to pay for the presentation underlying Open Account in providing working capital
of documents in accordance with transactions. financing for the purchase of
the terms and conditions of the new vehicle units to dealers who
LC/SKBDN. BANK GUARANTEE (BG)/ have collaborated with PT Adira
STANDBY LETTER OF CREDIT Dinamika Finance Tbk.
IMPORT LC/SKBDN FINANCING (SBLC)/DEMAND GUARANTEE
(ILF) (DG) SUPPLIER FINANCING (SF)
ILF is a financing alternative that A written guarantee provided Supplier Financing is a solution
can be provided to the Customer by Danamon for the benefit of in the form of working capital
(Applicant) to obtain an extension the customer to the recipient support for selected Suppliers
of the payment tenor in the LC/ of the guarantee based on a to ensure the smooth supply of
SKBDN payment method. There specific contract. Payments are raw materials and for service
are two types of Import LC/ made on claims submitted by execution towards Principals.
SKBDN Financing (ILF) products the recipient of the guarantee on
owned by Danamon: (1) Import account of the guaranteed party ACCOUNT RECEIVABLE
LC/SKBDN Financing Usance (customer) being unable to fulfill PURCHASE FINANCING (ARPF)
Data
Corporate
Payable at Sight (ILF UPAS) dan its obligations (default). ARPF is a solution in the form
(2) Import LC/SKBDN Financing of working capital support for
Usance Payable at Usance (ILF FINANCIAL SUPPLY CHAIN Principals in financing receivables
UPAU). from the sale of goods/services to
DISTRIBUTOR FINANCING (DF) selected Buyers.
FINANCING AGAINST TRUST This is a working capital financing
RECEIPT (FATR) product for Distributors from TRADE SUPPLIER FINANCING
This is short-term financing for Principals in the business chain (TSF)
importer customers to meet community. This product provides Trade Supplier Financing (TSF) is
working capital needs and settle solutions for Principals, including financing without recourse to the
obligations to suppliers that are accuracy of bill payments Supplier where Danamon takes
due on the basis of LC/SKBDN or to Principals and ease of the Principal’s risk and provides
Documentary Collection. transactions. funds to the Supplier, until the
On the other hand, Distributors l maturity date of the Bill of
PRE-SHIPMENT FINANCING can also enjoy optimal benefits Exchange that has been accepted
(PSF) through the payment term by Principal.
Short-term trade financing extension feature and competitive
provided to exporters to meet warranty terms. SUPPLIER PREPAYMENT (SP)
working capital needs (purchase Supplier Prepayment (SP) is
of raw materials, production EARLY COLLECTION financing without recourse to the
activities and others) prior to STRUCTURE (ECS) Supplier where Danamon takes
shipment related to export Early Collection Structure (ECS) the Principal’s risk and provides
schedules and can be provided is a facility for Principals to funds to the Supplier, until the
either on the basis of LC/SKBDN get payment earlier than the maturity date of the receivables
or Purchase Orders. invoice due date. This facility is that has been accepted by
an additional feature in the DF Principal.
OUTGOING COLLECTION program that can be used by the
FINANCING (OCF) Principal as needed.
Funding on the basis of
receivables by Danamon provided
to finance the bills of customers
who act as sellers (Drawers)
and are billed through Outgoing
Collection Services (OCS).
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 533
Page 536
CASH MANAGEMENT as to provide fast and efficient (Virtual Account Collection) and
transaction convenience directly provides ease of operational
DANAMON GIRO BISA IDR from anywhere and at any time via transactions via Virtual Account
The Danamon Giro BISA account the internet. Debit.
is a Banking solution specifically
designed for companies that DANAMON API CENTRAL E-TAX
need convenience in their Application Programming State revenue payment services
rupiah-denominated cash flow Interfaces (APIs) developed by (Tax, Customs & Excise, Non-Tax
management. Giro BISA helps Danamon enable interaction State Revenue) using single and
companies operate run more between the applications of third multiple ID Billing methods in real-
efficient daily activities. Equipped parties (third-party applications) time via Danamon Cash Connect.
with security features and digital and Danamon Banking services, Proof of State Revenue (BPN) can
integration, the IDR Giro BISA thus enabling process automation, be downloaded directly after the
account provides full transparency operational efficiency, and secure transaction is successfully made.
and better control over financial real-time data exchange. With
management. this API, customers can directly LIQUIDITY MANAGEMENT
connect their internal systems Liquidity management services
DANAMON GIRO BISNIS USD with Danamon’s Banking services, for customer operational accounts
The Danamon Giro Bisnis USD supporting dynamic business to maximize control functions
account is a Banking solution needs. and maximize current account
designed to facilitate companies services obtained, liquidity
Data
Corporate
in managing cash flow in US CASH PICK UP & DELIVERY management products include:
Dollars (USD). The Giro Bisnis USD SERVICES Cash Pooling, Cash Distribution
account offers a comprehensive Services provided to customers and Range Balance.
solution for companies that for collecting and sending cash
need convinience in managing where the cash delivery process DANAMON OPTIMAL
international finances. It offers is insured and has method of Danamon Optimal provides
foreign exchange needs in one debiting and crediting funds with comprehensive package solutions
convenient package with security, based-need frequency of service. to achieve financial goals at every
flexibility, and affordable costs. life stage through #CaraOptimalku
CASH COLLECTION MACHINE (my optimal way), offering variety
DANAMON CASH CONNECT Services provided to customers of products and convenient daily
Danamon Cash Connect (DCC) to make cash deposits via transactions to complement
is a Corporate Internet Banking deposit machines installed at the your lifestyle. This service is
service designed to facilitate customer’s location and funds available for individual customers
the financial management of will be credited in real-time to a with minimum assets under
customers’ businesses by predetermined account. management of Rp50 million.
providing a comprehensive
cash management and Financial CASH PICK UP WITH MOBILE DANAMON PRIVILEGE
Supply Chain solution that is DEVICE Danamon Privilege offers
accessible and flexible according The cash pick up service uses a comprehensive services to
to customer needs. This service mobile device that operates with ensure the wellbeing of you
is available in both website and a wireless connection for the real- and your family by protecting
mobile app versions supported time process of crediting funds to every generation and guarding
by host-to-host connectivity, customer accounts. all aspirations. Our range of
equipped with encryption security financial solutions and benefits
systems to ensure the safety and VIRTUAL ACCOUNT includes Wealth Advisory, Wealth
confidentiality of data, as well The Cash Management Solution Growth and Preservation, World
provided by Danamon makes it of Privileges, and Convenient
easy to identify the sender of funds Access. This exclusive service is
and the reconciliation process available to individual customers
with minimum assets under
management of Rp500 million.
534 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 537
SENIOR EXECUTIVE OFFICERS &
EXECUTIVE OFFICERS
No. Name Position Nationality
1 Agus Pratama* Head of SME Business Indonesia
2 Evi Damayanti* Chief Human Capital and Operations Officer Indonesia
3 Reza Iskandar* Chief Strategy Officer Indonesia
4 Theresia Adriana Widjaja* Chief Financial Officer Indonesia
5 Abrianto Ascein Gultom IT Cyber Security Head Indonesia
6 Ade Prima Ratu Bagus Market & Liquidity Risk Head Indonesia
7 Adeline Inggrisari Yonatan EB Business Head Indonesia
8 Adhe Chandra Portfolio, Policy & Analytics Head Indonesia
9 Andi Syaiful Wahdi EB Business Head Indonesia
10 Andreas Kurniawan Chief Digital Officer Indonesia
11 Antonius Hartandyo Danang Saputro Business Operational Risk & Control Head Indonesia
12 Antony Tan IT Digital Channels, Core and Integration Systems Head Indonesia
Data
Corporate
13 Bondan Muliawan IT Production & Infrastructure Management Head Indonesia
14 Budi Setiawan Senior Credit Risk Officer - Enterprise Banking Indonesia
15 Dwi Susiyanto Risk Modeling,Quant.Tech.&Analytics Head Indonesia
16 Edward Francois Marbun Global Strategy Head Indonesia
17 Edy Supriyanto Transaction Banking Head Indonesia
18 Eka Dinata Branch Network Head Indonesia
19 Elmi Christina EB Business Head Indonesia
20 Enriko Sutarto Consumer Lending Business Head Indonesia
IT Business Partner, Analyst & Project Portfolio Management
21 Firdody Istivano Fairahmad Indonesia
Head
22 Flint Indrawan Kamil EB Business Head Indonesia
23 Gemilang Madyakusuma Special Project Office Indonesia
24 Gunawan Te EB Business Head Indonesia
25 Handojo Pamudji SME Credit Head Indonesia
26 Hary Sutedja IT Strategy & Architecture and Payment Solution Head Indonesia
27 Hasan EB Business Management Head Indonesia
28 Hendry Sunaryo Partnership & Innovation Head Indonesia
29 Ifonne Muljadi EB Business Analyst Head Indonesia
30 Indriani Pratiwi Susantio CREM Head Indonesia
31 Iqbal Maulana Syariah Assurance & Sustainability Finance Head Indonesia
32 Ivan Adrian Jaya Consumer Funding & Wealth Business Head Indonesia
33 Jenny Widjaja Treasury & Capital Market Head Indonesia
34 Kho Tjhing Kian ORM Fraud & QA Head Indonesia
35 Lie Chen Regulatory Compliance & Assurance Head Indonesia
36 Margaretha Sherly Financial Institution Head Indonesia
37 Masahiro Shimada Global Alignment Head for Finance Japan
38 Masashi Yoshikawa Japan Desk Head for Consumer Japan
39 Melissa Marioto Service Excellence & Customer Care Head Indonesia
40 Merci Santi Adriani Syariah Funding Business Head Indonesia
41 Mireille Makmur Customer Experience Head Indonesia
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 535
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No. Name Position Nationality
42 Muhammad Arief Fatchur Rochman EB Business Head Indonesia
43 Palupi Regulatory Compliance & Advisory Head Indonesia
44 Ratih Damayanti Head Of Financial Crime Compliance Indonesia
45 Refita Rulli Arief Syariah Strategic & Financing Business Head Indonesia
46 Reisan Lesmana IT Robotics, Digital Automation and AI System Head Indonesia
47 Rio Irhandi Sasmita IT Data, Reporting & Risk System Head Indonesia
48 Roberto Trio EB Business Head Indonesia
49 Roncy Sinaga Senior Credit Risk Officer - EB Remedial Indonesia
50 Rony Iskandar Kustendro Information Risk Management Head Indonesia
51 Rusmin Basuki Credit & Enterprise Risk Management Head Indonesia
52 Sabrina Rakhmaputri Azhairie BPR, Control & Compliance Head Indonesia
53 Satyo Haryo Wibisono Head of Legal Counsel Indonesia
54 Sheky Lemasoa Senior Credit Risk Officer - Enterprise Banking Indonesia
55 Toshihiro Senoo Platform Collaboration Head Japan
56 Toshiya Shobayashi Executive Officer Business Collaboration Japan
57 Widianto EB Business Analyst Head Indonesia
58 Yenny Chief Internal Auditor Indonesia
Data
Corporate
59 Anastasia Susy Herawati Senior Vice President Indonesia
60 Chiau Winarto Senior Vice President Indonesia
61 Handriady Chia Senior Vice President Indonesia
62 I Gusti Agus Indrawan Senior Vice President Indonesia
63 Novily Chandra Senior Vice President Indonesia
64 Pinastika Junia Senior Vice President Indonesia
65 Riana Suagiat Senior Vice President Indonesia
66 Solaiman Widjaja Senior Vice President Indonesia
67 Sonny Gunawan Senior Vice President Indonesia
68 Thamrin Tambunan Senior Vice President Indonesia
* Senior Executive Officer
536 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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BRANCHES OFFICES &
SHARIA BRANCHES
No Branches Address Province City/Regency
Graha Rukan ITC Cempaka Mas Blok B No. 7 Jakarta
1 BDI JAKARTA ITC CEMPAKA MAS JAKARTA Central Jakarta
Pusat DKI Jakarta
Jl. Boulevard Barat Blok XB No. 8 Kelapa Gading
2 BDI JAKARTA KELAPA GADING I JAKARTA North Jakarta
Jakarta Utara DKI Jakarta
Jl. Boulevard Raya Blok FY No. 1/9-12 Jakarta Utara
3 BDI JAKARTA KELAPA GADING II JAKARTA North Jakarta
DKI Jakarta
Jl. Muara Karang Raya No. 72 Blok Z-3 Selatan
4 BDI JAKARTA MUARA KARANG JAKARTA North Jakarta
Jakarta Utara DKI Jakarta
Rukan Artha Gading Blok C No. 18 Jl. Boulevard Artha
5 BDI JAKARTA ARTHA GADING JAKARTA North Jakarta
Gading Kelapa Gading Jakarta Utara DKI Jakarta
Jl. Cempaka Putih Raya No. 11 Jakarta Pusat DKI
6 BDI CEMPAKA PUTIH TENGAH JAKARTA Central Jakarta
Jakarta
Jl. Danau Sunter Utara Blok B.I.B No. 15-16 Sunter
7 BDI JAKARTA DANAU SUNTER JAKARTA North Jakarta
Podomoro Jakarta Utara DKI Jakarta
Data
Corporate
Jl Enggano Raya No 36 Tanjung Priok Jakarta Utara
8 BDI JAKARTA ENGGANO JAKARTA North Jakarta
DKI Jakarta
Jl. KHM. Mansyur No. 255 Jembatan Lima Jakarta
9 BDI JAKARTA JEMBATAN LIMA JAKARTA West Jakarta
Barat DKI Jakarta
BDI JAKARTA KAPUK TELUK Jl. Teluk Gong Raya Komp. TPI II Blok M No. 34
10 JAKARTA North Jakarta
GONG Kampung Gusti Jakarta Utara DKI Jakarta
BDI JAKARTA PANTAI INDAH Galeria Niaga Mediterania Blok X-3 Kav. No.A-8M &
11 JAKARTA North Jakarta
KAPUK A-8N Pantai Indah Kapuk Jakarta Utara DKI Jakarta
Ruko Crown Golf Blok A No. 53 Jl. Marina Raya RT 07
BDI JAKARTA PANTAI INDAH
12 Rw 02 Kel. Kamal Muara Kec Panjaringan Pantai Indah JAKARTA North Jakarta
KAPUK 2
Kapuk Jakarta Utara DKI Jakarta
Jl. Pluit Kencana Raya 45-47 Jakarta Utara DKI
13 BDI JAKARTA PLUIT KENCANA JAKARTA North Jakarta
Jakarta
Ps. Pademangan Timur Lt.Dasar No 137 Jakarta Utara
14 BDI JAKARTA PS PADEMANGAN JAKARTA North Jakarta
DKI Jakarta
Jl. Telepon Kota No.7 RT.6/RW.2 Roa Malaka Kec.
15 BDI JAKARTA TELEPON KOTA JAKARTA West Jakarta
Tambora Kota Jakarta Barat DKI Jakarta
Ruko Bandengan Indah Blok B No 7 Jl. Bandengan
BDI JAKARTA BANDENGAN
16 Utara No. 80 RT/RW 05/16 Penjaringan Jakarta Utara JAKARTA North Jakarta
INDAH
DKI Jakarta
BDI JAKARTA GROGOL Jl. Muwardi Raya No. 7 Grogol Jakarta Barat DKI
17 JAKARTA West Jakarta
MUWARDI Jakarta
18 BDI JAKARTA JELAMBAR Jl. Jelambar Baru.1 B Jakarta Barat 1 Jakarta JAKARTA West Jakarta
Ruko GSA Db 08 Jl S. Parman Tj Duren Jakarta Barat
19 BDI JAKARTA CENTRAL PARK JAKARTA West Jakarta
DKI Jakarta
Ruko Komp.Orion Mangga Dua Jl.Raya Mangga Dua
BDI JAKARTA ORION MANGGA
20 Komp.Rukan Orion Mangga Dua No.3 Jakarta Utara JAKARTA North Jakarta
DUA
DKI Jakarta
BDI JAKARTA PANGERAN Jl. Pangeran Jayakarta No. 22 Kel. Mangga Dua
21 JAKARTA Central Jakarta
JAYAKARTA Selatan Kec. Sawah Besar Jakarta Pusat DKI Jakarta
BDI JAKARTA MALL TAMAN Mall Taman Anggrek Ground Floor G-42 Jl. S. Parman
22 JAKARTA West Jakarta
ANGGREK Kav.21 Jakarta Barat DKI Jakarta
Rukan Taman Duta Mas D9A No.8 Jelambar Jakarta
23 BDI JAKARTA TAMAN DUTA MAS JAKARTA West Jakarta
Barat DKI Jakarta
Ruko Textile Blok E4/6 Jalan Mangga Dua Raya
24 BDI JAKARTA MANGGA 2 RAYA JAKARTA North Jakarta
Jakarta Utara DKI Jakarta
BDI JAKARTA USMAN HARUN Jalan Prapatan No. 50 Kel. Gambir Kec. Gambir
25 JAKARTA Central Jakarta
(DH KEBON SIRIH) Jakarta Pusat DKI Jakarta
BDI JAKARTA MENARA BANK Jl. Hr Rasuna Said Blok C No. 10 Kelurahan Karet
26 JAKARTA South Jakarta
DANAMON Kecamatan Setiabudi Jakarta Selatan DKI Jakarta
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No Branches Address Province City/Regency
27 BDI BOGOR JUANDA Jl. Ir. H. Juanda No. 46 Kota Bogor Jawa Barat WEST JAVA Bogor
Jl. Bendungan Hilir Raya No. 21 Jakarta Pusat DKI
28 BDI JAKARTA BENHIL JAKARTA Central Jakarta
Jakarta
29 BDI JAKARTA AGUS SALIM Jl. H. Agus Salim No. 59 A Jakarta Pusat DKI Jakarta JAKARTA Central Jakarta
Jl. Palmerah Barat No. 38 A Blok 5-6 Grogol Utara
30 BDI JAKARTA PALMERAH JAKARTA West Jakarta
Jakarta Barat DKI Jakarta
Wisma 46 Kota BNI Lt. Dasar Jl. Jend. Sudirman Kav.
31 BDI JAKARTA WISMA BNI JAKARTA Central Jakarta
1 Jakarta Pusat DKI Jakarta
Kalibata Tengah Blok I F-G Jakarta Selatan DKI
32 BDI JAKARTA KALIBATA JAKARTA South Jakarta
Jakarta
BDI JAKARTA DEPOK Ruko Graha 99 Jl Margonda Raya RT 008/03 No.99
33 WEST JAVA Depok
MARGONDA Kemiri Muka Kota Depok Jawa Barat
Jalan Panglima Polim Raya No 59 Rt/Rw : 007/004
34 BDI JAKARTA PANGLIMA POLIM Kelurahan Melawai Kecamatan Kebayoran Baru JAKARTA South Jakarta
Jakarta Selatan DKI Jakarta
Cyber 2 Tower Level Ground Floor Unit B 2 Jl. Hr.
35 BDI JAKARTA CYBER 2 Rasuna Said Blok X-5 No. 13 Kuningan Jakarta JAKARTA South Jakarta
Selatan DKI Jakarta
Gd. BEJ Tower 2 Lt.1 Jl. Jend. Sudirman Kav.52+53
36 BDI JAKARTA MENARA BEJ JAKARTA South Jakarta
Jakarta Selatan DKI Jakarta
Jl. Cinere Raya Kav. 48-49 A Cinere Jakarta Selatan
37 BDI JAKARTA CINERE JAKARTA South Jakarta
DKI Jakarta
Data
Corporate
Jl. RS. Fatmawati No. 24 Cipete Utara Jakarta Selatan
38 BDI JAKARTA FATMAWATI JAKARTA South Jakarta
DKI Jakarta
39 BDI JAKARTA KEMANG Jl. Kemang Raya 4 Jakarta Selatan DKI Jakarta JAKARTA South Jakarta
BDI JAKARTA PONDOK INDAH Pondok Indah Mall 2 Lt.Dasar No.G 34 B Pondok
40 JAKARTA South Jakarta
MALL Indah Jakarta Selatan DKI Jakarta
Jl. Nikel Blok D No. 23-24 Permata Hijau Jakarta
41 BDI JAKARTA PERMATA HIJAU JAKARTA South Jakarta
Selatan DKI Jakarta
Komplek Pertokoan Pondok Indah Blok Ua No. 1 Jl.
42 BDI JAKARTA PONDOK INDAH JAKARTA South Jakarta
Metro Duta Pondok Indah Jakarta Selatan DKI Jakarta
Sudirman Plz Indofood Tower.Jl Jend Sudirman Kav
43 BDI JAKARTA SUDIRMAN PLAZA JAKARTA South Jakarta
76-78 Jakarta Selatan DKI Jakarta
Jl. Prof. Dr. Supomo No. 55 Tebet Jakarta Selatan DKI
44 BDI JAKARTA SUPOMO JAKARTA South Jakarta
Jakarta
Jl. Warung Buncit Raya No. 107 Jakarta Selatan DKI
45 BDI JAKARTA WARUNG BUNCIT JAKARTA South Jakarta
Jakarta
Trinity Tower Lantai Dasar Suite 0101. Jl. H.R. Rasuna
46 BDI JAKARTA TRINITY TOWER Said Kav. C22 Blok Iib Kec. Setiabudi Kel. Karet JAKARTA South Jakarta
Kuningan Jakarta Selatan DKI Jakarta
Ruko Cibinong City Center Blok A.25 Kel. Pakansari
47 BDI CIBINONG CITY CENTER WEST JAVA Bogor
Kec. Cibinong Kab. Bogor Jawa Barat
48 BDI BOGOR - SURYAKENCANA Jl. Suryakencana No. 331 Kota Bogor Jawa Barat WEST JAVA Bogor
Jl. KH Abdullah Syafei No. 127 ATebet Jakarta Selatan
49 BDS LAPANGAN ROS JAKARTA South Jakarta
DKI Jakarta
50 BDI JAKARTA MATRAMAN Jl. Matraman Raya No. 52 Jakarta Timur DKI Jakarta JAKARTA East Jakarta
51 BDI JAKARTA GAJAH MADA Jl. Gajah Mada No. 90 A Jakarta Barat DKI Jakarta JAKARTA Central Jakarta
Ruko Plaza Menteng Blok A No. 25 Rt 03/Rw.09 Desa
52 BDI BEKASI LIPPO CIKARANG Cibatu Kec. Lemahabang (Cikarang Selatan) Kab. WEST JAVA Bekasi
Bekasi Jawa Barat
BDI JAKARTA CIBUBUR TIMES Jl. Transyogi Km.3 Komp.Rukan Cibubur Times
53 WEST JAVA Bekasi
SQUARE Square Blok B1 No.10 Cibubur Kab. Bekasi Jawa Barat
Jl. Gunung Sahari Raya No. 49 Jakarta Pusat DKI
54 BDI JAKARTA GUNUNG SAHARI JAKARTA Central Jakarta
Jakarta
Komp Ruko Sentra Niaga Boulevard HijauPerumahan
55 BDI BEKASI HARAPAN INDAH Harapan Indah Blok Sn 2 No 16 -17 Medan Satria Kab. WEST JAVA Bekasi
Bekasi Jawa Barat
Jl. Kh. Hasyim Ashari No. 21 & 21A Jakarta Pusat DKI
56 BDI JAKARTA HASYIM ASHARI JAKARTA Central Jakarta
Jakarta
57 BDI BEKASI JUANDA Jl. Ir. H. Juanda No. 159 Kota Bekasi Jawa Barat WEST JAVA Bekasi
538 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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BDI JAKARTA KALIMALANG Jl. Tarum Barat Hi No. 1 Kalimalang Jakarta Timur DKI
58 JAKARTA East Jakarta
TARUM Jakarta
Jl. Pecenongan Raya No. 5 B-C Jakarta Pusat DKI
59 BDI JAKARTA PECENONGAN JAKARTA Central Jakarta
Jakarta
Rukan Pondok Gede Plaza Blok D No 1 S/D 2 P.Gede
60 BDI JAKARTA PONDOK GEDE Bekasi Rt 04/01 Jatiwaringin Jakarta Timur DKI JAKARTA East Jakarta
Jakarta
BDI JAKARTA TANAH ABANG Jl. Fachrudin 36 Blok A No. 56-57 Tanah Abang
61 JAKARTA Central Jakarta
FACHRUDIN Jakarta Pusat DKI Jakarta
Jl. Tuparev Komplek Karawang Plaza Ruko No. 5-6
62 BDI KARAWANG TUPAREV WEST JAVA Karawang
Kab. Karawang Jawa Barat
63 BDI JAKARTA ABDUL MUIS Jl. Abdul Muis No 60 Jakarta Pusat DKI Jakarta JAKARTA Central Jakarta
64 BDI JAKARTA CIKINI Jl. Cikini Raya No. 71 Jakarta Pusat DKI Jakarta JAKARTA Central Jakarta
65 BDI JAKARTA SURYOPRANOTO 2 Jl. Suryopranoto No.75 Jakarta Pusat DKI Jakarta JAKARTA Central Jakarta
66 BDI JAKARTA JATINEGARA Jl. Jatinegara Barat No. 135 Jakarta Timur DKI Jakarta JAKARTA East Jakarta
BDI JAKARTA PLAZA KENARI Plaza Kenari Mas Lantai 4 (P1) No.Unit K 001.
67 JAKARTA Central Jakarta
MAS Jl.Kramat Raya No.101 Jakarta Pusat DKI Jakarta
Jl. Pasar Baru Selatan No. 16 Jakarta Pusat DKI
68 BDI JAKARTA PASAR BARU JAKARTA Central Jakarta
Jakarta
BDI JAKARTA PEGAMBIRAN Jl. Peggambiran No. 33-D Rawamangun Jakarta
69 JAKARTA East Jakarta
ARTOMORO Timur DKI Jakarta
Data
Corporate
BDI JAKARTA PULO GADUNG PTC Pulogadung Blok I No.008 Jakarta Timur DKI
70 JAKARTA East Jakarta
TRADE CENTER Jakarta
Jl. K.H Hasyim Ashari Blok C 2 No. 6 & 7 Jakarta
71 BDI JAKARTA ROXY MAS JAKARTA Central Jakarta
Pusat DKI Jakarta
Pusat Grosir Senen Jaya Lt.3 Rtu L3 / C9 -9 Jl. Senen
72 BDI JAKARTA SENEN JAKARTA Central Jakarta
Raya Kel.Senen Kec.Senen Jakarta Pusat DKI Jakarta
BDI BEKASI TAMAN GALAXY Jl. Taman Galaxy Raya No. 12 AD Bekasi Selatan Kab.
73 WEST JAVA Bekasi
RAYA Bekasi Jawa Barat
BDI JAKARTA TANAH ABANG Pasar Regional Tanah Abang Blok A Basement 2 No.
74 JAKARTA Central Jakarta
BLOK A 67 A-B Los F Jakarta Pusat DKI Jakarta
Jl. Pinang Sia Raya Komplek Ruko Glodok Plaza Blok
75 BDI JAKARTA GLODOK PLAZA 1 JAKARTA West Jakarta
A No. 26-28 Jakarta Barat DKI Jakarta
Jl. Mangga Besar Raya No. 42 A-B Jakarta Barat DKI
76 BDI JAKARTA MANGGA BESAR JAKARTA West Jakarta
Jakarta
77 BDI JAKARTA TAMAN SARI Jl. Tamansari Raya No. 53 A Jakarta Barat DKI Jakarta JAKARTA West Jakarta
Jl. Tomang Raya No. 51 C-D Blok Mm Kav. 557
78 BDI JAKARTA TOMANG RAYA JAKARTA West Jakarta
Jakarta Barat DKI Jakarta
79 BDI JAKARTA SAMANHUDI Jl. Samanhudi No 81 Jakarta Pusat DKI Jakarta JAKARTA Central Jakarta
80 BDI JAKARTA - WAHID HASYIM Jl. Wahid Hasyim No. 171 Jakarta Pusat DKI Jakarta JAKARTA Central Jakarta
BDI BEKASI - KALIMALANG Kalimalang Commercial Center Blok A6/8 Jl. Ahmad
81 WEST JAVA Bekasi City
COMMERCIAL CENTER Yani Kota Bekasi Jawa Barat
Sentra KIIC Lantai 1 Jl. Permata Raya Blok Lot C-A1 Karawang
82 BDI KARAWANG KIIC WEST JAVA
Karawang Barat Kab. Karawang Jawa Barat Regency
Jl. Raya Bogor No. 2 KM.22 Kel. Rambutan Kec.
83 BDS CIRACAS JAKARTA East Jakarta
Ciracas Jakarta Timur DKI Jakarta
Jl. Pattimura No.2-4 Telukbetung Kota Bandar Bandar
84 BDI TELUK BETUNG PATTIMURA LAMPUNG
Lampung Lampung Lampung City
Jl. Sutera Niaga I/17 Komplek Alam Sutera Serpong South
85 BDI TANGERANG ALAM SUTRA BANTEN
Kota Tangerang Selatan Banten Tangerang City
Komp. Rukan Bintaro Jaya Sektor III A Blok A No. 8-10 South
86 BDI TANGERANG BINTARO III BANTEN
Bintaro Kota Tangerang Selatan Banten Tangerang City
87 BDI TANGERANG DAAN MOGOT Jl. Daan Mogot No. 48 Kota Tangerang Banten BANTEN Tangerang City
Ruko Green Garden Blok I / 9 No. 18 Jakarta Barat DKI
88 BDI JAKARTA GREEN GARDEN JAKARTA West Jakarta
Jakarta
Jl. Kartini No.182 Tanjung Karang Kota Bandar Bandar
89 BDI TANJUNG KARANG KARTINI LAMPUNG
Lampung Lampung Lampung City
BDI JAKARTA KEBON JERUK Jl. Raya Meruya Ilir Komplek Intercon Plaza Blok A 1-2
90 JAKARTA West Jakarta
INTERCON Kebon Jeruk Jakarta Barat DKI Jakarta
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Jl. Sultan Agung Tirtayasa No. 145 Kota Cilegon
91 BDI CILEGON S. A. TIRTAYASA BANTEN Cilegon City
Banten
Komplek Pasar Sumur Bandung Blok B No 15 -16
92 BDI METRO SUMUR BANDUNG Lingkungan III RT 012 Rw 005 Metro Pusat Kota Metro LAMPUNG Metro City
Lampung
Rukan Taman Palem Lestari Blok A II No. 33 Jl. Kamal
BDI JAKARTA TAMAN PALEM
93 Raya Outer Ring Road Cengkareng Jakarta Barat DKI JAKARTA West Jakarta
LESTARI
Jakarta
Jl. Tanjung Duren Raya No. 62 Jakarta Barat DKI
94 BDI JAKARTA TANJUNG DUREN JAKARTA West Jakarta
Jakarta
Komplek Citra Garden II Blok I-I No. 12A Jakarta Barat
95 BDI JAKARTA CITRA GARDEN II JAKARTA West Jakarta
DKI Jakarta
Pringsewu
96 BDI PRINGSEWU A.YANI Jl. Ahmad Yani No.65 Kab. Pringsewu Lampung LAMPUNG
Regency
Jl. Raya Serpong BSD Commercial I Blok 201 Bsd South
97 BDI TANGERANG BSD BANTEN
Sektor Vi Kota Tangerang Selatan Banten Tangerang City
Perumahan Citra Raya Blok L1 Cikupa Kab. Tangerang
98 BDI TANGERANG CIKUPA BANTEN Tangerang City
Banten
Jl.Komplek Ruko Taman Semanan Indah Blok C - 26
99 BDI JAKARTA DURI KOSAMBI JAKARTA West Jakarta
Duri Kosambi Jakarta Barat DKI Jakarta
BDI TANGERANG GADING Jl. Blv Gading Serpong Alexandrite 3/9 Kota South
100 BANTEN
SERPONG Tangerang Selatan Banten Tangerang City
Data
Corporate
Komplek Green Ville Blok AY No. 20 Jakarta Barat DKI
101 BDI JAKARTA GREEN VILLE JAKARTA West Jakarta
Jakarta
Jl. Puri Indah Raya Blok I No. 41 Pesanggrahan
102 BDI JAKARTA PURI INDAH JAKARTA West Jakarta
Jakarta Barat DKI Jakarta
Ruko Puri Niaga 3 Blok M8 - 1APuri Kencana Jakarta
103 BDI JAKARTA PURI KENCANA JAKARTA West Jakarta
Barat DKI Jakarta
Jl. Maulana Hasanuddin Serang Plaza Blok I No. 5-6-7
104 BDI CILEGON SERANG BANTEN Serang City
Kota Serang Banten
BDI TANGERANG SUPERMALL Unit FF 59 A Supermall Karawaci Jl. Bulevar Tangerang
105 BANTEN
KARAWACI Diponegoro Lippo Karawaci Kab. Tangerang Banten Regency
Roseville Soho & Suite Sunburst Cbd Lot I.8 Bsd City
Rukan Unit F Jl. Kapten Soebianto Djojohadikusumo South
106 BDI TANGERANG ROSEVILLE BANTEN
Rw 08 Lengkong Gudang Kec. Serpong Kota Tangerang City
Tangerang Selatan Banten
Jl. Jalur Sutera 29 D No. 21 Pakualam Kec. Serpong South
107 BDI TANGERANG ALAM SUTRA 2 BANTEN
Utara Kota Tangerang Selatan Banten Tangerang City
Ruko Sol Marina Blok A No.1 Kel. Gandasari Kec.
108 BDI TANGERANG JATIUWUNG BANTEN Tangerang City
Jatiuwung Kota Tangerang Banten
109 BDI BANDUNG MERDEKA Jl. Merdeka No. 40 Kota Bandung Jawa Barat WEST JAVA Bandung City
110 BDI CIREBON YOS SUDARSO Jl. Yos Sudarso No. 2 Kota Cirebon Jawa Barat WEST JAVA Cirebon City
BDI TASIKMALAYA YUDA Tasikmalaya
111 Jl. Yudanegara No.40 Kota Tasikmalaya Jawa Barat WEST JAVA
NEGARA City
112 BDI BANDUNG A YANI Jl. Ahmad Yani No. 638 Kota Bandung Jawa Barat WEST JAVA Bandung City
Jl. Jend. Ahmad Yani No. 30 Kota Sukabumi Jawa
113 BDI SUKABUMI A YANI WEST JAVA Sukabumi
Barat
114 BDI BANDUNG ASIA AFRIKA Jl. Asia Afrika No. 180 Kota Bandung Jawa Barat WEST JAVA Bandung
Jl. Raya Cibabat No.349 Cigugur Tengah Kota Cimahi
115 BDI CIMAHI CIBABAT WEST JAVA Cimahi
Jawa Barat
116 BDI CIANJUR COKROAMINOTO Jl. Hos. Cokroaminoto No.36 Kab. Cianjur Jawa Barat WEST JAVA Cianjur
117 BDI BANDUNG KOPO Jl. Kopo No.26 Kota Bandung Jawa Barat WEST JAVA Bandung
BDI PURWAKARTA
118 Jl. Re Martadinata No. 7 Kab. Purwakarta Jawa Barat WEST JAVA Purwakarta
MARTADINATA
Jl. Otto Iskandardinata No 55. Kel. Karanganyar Kec. Subang
119 BDI SUBANG OTISTA WEST JAVA
Subang Kab. Subang Jawa Barat Regency
120 BDI BANDUNG SETIA BUDI Jl. Dr. Setiabudi 62 Kota Bandung Jawa Barat WEST JAVA Bandung
Komp. Taman Kopo Indah Ruko 2 & 3 Kab. Bandung
121 BDI BANDUNG KOPO SAYATI WEST JAVA Bandung
Jawa Barat
540 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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122 BDI BANDUNG BUAH BATU Jl. Buah Batu No. 166 Kota Bandung Jawa Barat WEST JAVA Bandung
Jl. Jamika No. 11 A Kel. Jamika Kec. Bojongloa Kaler
123 BDI BANDUNG JAMIKA WEST JAVA Bandung
Kota Bandung Jawa Barat
124 BDI BANDUNG JUANDA Jl. Ir Juanda No.64 Kota Bandung Jawa Barat WEST JAVA Bandung
BDI BANDUNG TAMAN KOPO Taman Kopo Indah II 1B No.26 Kota Bandung Jawa
125 WEST JAVA Bandung
INDAH II Barat
126 BDI BANDUNG SUNIARAJA Jl. Suniaraja No. 57 - 59 Kota Bandung Jawa Barat WEST JAVA Bandung
127 BDI BANDUNG PAJAJARAN Jl. Pajajaran No. 151 Kota Bandung Jawa Barat WEST JAVA Bandung
128 BDI BANDUNG PASIRKALIKI 2 Jalan Pasirkaliki No. 150 C Kota Bandung Jawa Barat WEST JAVA Bandung
Komp. Pertokoan Sumber Sari Indah T9 Jl. Sumber
129 BDI BANDUNG SUMBER SARI 2 WEST JAVA Bandung
Sari Indah Kota Bandung Jawa Barat
Jl. Jenderal Sudirman No. 30-32 Kota Bandung Jawa
130 BDI BANDUNG SUDIRMAN WEST JAVA Bandung
Barat
Ruko Pancawarna – Kota Baru Parahyangan Jl.
BDI BANDUNG KOTA BARU
131 Bujanggamanik Blok D - No. 79 Kel. Kertajaya Kec. WEST JAVA West Bandung
PARAHYANGAN
Padalarang Kab. Bandung Barat Bandung Jawa Barat
132 BDS BANDUNG MERDEKA Jl. Merdeka No. 40 Bandung Jawa Barat 40117 WEST JAVA Bandung
BDI YOGYAKARTA JALAN
Jl Magelang No 93 Desa Sinduadi Kecamatan Mlati D.I.
133 MAGELANG (dh BDI Sleman
Kab. Sleman Yogyakarta YOGYAKARTA
YOGYAKARTA DIPONEGORO)
Data
Corporate
CENTRAL
134 BDI SEMARANG PEMUDA Jl. Pemuda No. 175 Kota Semarang Jawa Tengah Semarang
JAVA
Jl. Jend. Sudirman No. 183 Purwokerto Kab. CENTRAL
135 BDI PURWOKERTO SUDIRMAN Banyumas
Banyumas Jawa Tengah JAVA
Jl. Urip Sumoharjo No. 91 Kelurahan Kepatihan Wetan CENTRAL
136 BDI SOLO URIP SUMOHARJO Surakarta/Solo
Kecamatan Jebres Kota Surakarta / Solo Jawa Tengah JAVA
CENTRAL
137 BDI KUDUS A YANI Jl. A. Yani No. 77 Kab. Kudus Jawa Tengah Kudus
JAVA
Jl. Brigjen Katamso No.151 RT. 011/RW. 003, Kel.
BDI YOGYAKARTA BRIGJEN D.I.
138 Keparakan, Kec. Mergangsan, Kota Yogyakarta, Yogyakarta
KATAMSO YOGYAKARTA
Daerah Istimewa Yogyakarta
CENTRAL
139 BDI MAGELANG PEMUDA Jl. Pemuda No. 149 Kota Magelang Jawa Tengah Magelang
JAVA
CENTRAL
140 BDI KLATEN PEMUDA Jl. Pemuda No.135 Kab. Klaten Jawa Tengah Klaten
JAVA
BDI SEMARANG PURI Jl. Puri Anjasmoro G 1 No. 36 Kel. Tawangsari Kec. CENTRAL
141 Semarang
ANJASMORO Semarang Barat Kota Semarang Jawa Tengah JAVA
Jl. Slamet Riyadi No.312 Kelurahan Sriwedari
CENTRAL
142 BDI SOLO SLAMET RIYADI Kecamatan Laweyan Kota Surakarta / Solo Jawa Surakarta/Solo
JAVA
Tengah
CENTRAL
143 BDI SEMARANG SUARI Jl. Suari No.17A Kota Semarang Jawa Tengah Semarang
JAVA
CENTRAL
144 BDI CILACAP SUDIRMAN Jl. Jend Sudirman No.21 Kab. Cilacap Jawa Tengah Cilacap
JAVA
Jl. Jend Sudirman No.111 Kab. Purbalingga Jawa CENTRAL
145 BDI PURBALINGGA SUDIRMAN Purbalingga
Tengah JAVA
CENTRAL
146 BDI SALATIGA SUDIRMAN Jl. Jend. Sudirman No.170 Kota Salatiga Jawa Tengah Salatiga
JAVA
CENTRAL
147 BDI WONOSOBO SUMBING Jl. Sumbing 22 Kab. Wonosobo Jawa Tengah Wonosobo
JAVA
BDI PURWOREJO AHMAD Jl. Kiayi Haji Ahmad Dahlan No. 60 Kab. Purworejo CENTRAL
148 Purworejo
DAHLAN Jawa Tengah JAVA
Jl. Mt Haryono Bangkong Plaza C-2 Kota Semarang CENTRAL
149 BDI SEMARANG BANGKONG Semarang
Jawa Tengah JAVA
Komp. Citraland. Jl. Anggrek Raya Kav 23-25 Kota CENTRAL
150 BDI SEMARANG CITRALAND Semarang
Semarang Jawa Tengah JAVA
CENTRAL
151 BDI SEMARANG GG TENGAH Gang Tengah No. 77 Kota Semarang Jawa Tengah Semarang
JAVA
Jl Pemuda No 8, Tawangsari, RT/RW 04/03, Kel. CENTRAL
152 BDI REMBANG PEMUDA Rembang
Leteh, Kec. Rembang, Kab. Rembang, Jawa Tengah JAVA
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Jl. Majapahit Ruko Gayamsari Blok A3 Kota Semarang CENTRAL
153 BDI SEMARANG MAJAPAHIT Semarang
Jawa Tengah JAVA
Jl. MT Haryono Nomor 427–429 Blok A7 RT 001 RW CENTRAL
154 BDI SEMARANG MT HARYONO Semarang
001 Kota Semarang Jawa Tengah JAVA
CENTRAL
155 BDI JEPARA PATIMURA Jl. Patimura Ruko Blok A2 Kab. Jepara Jawa Tengah Jepara
JAVA
CENTRAL
156 BDI PATI PEMUDA Jl. Pemuda No. 239 C Kab. Pati Jawa Tengah Pati
JAVA
Jl. R Soeprapto 66 Purwodadi Kab. Grobogan Jawa CENTRAL Grobogan
157 BDI PURWODADI R. SUPRAPTO
Tengah JAVA Regency
Jl. Ir. Soekarno Blok C Kel. Madeondo Kec. Grogol CENTRAL Sukoharjo
158 BDI SUKOHARJO IR SOEKARNO
Sukoharjo Kab. Sukoharjo Jawa Tengah JAVA Regency
CENTRAL
159 BDI SEMARANG SETIABUDI Jl. Setiabudi No 119 Kota Semarang Jawa Tengah Semarang City
JAVA
Jl. Silugonggong No. 12 Juwana Kab. Pati Jawa CENTRAL
160 BDI JUWANA SILUGONGGONG Pati Regency
Tengah JAVA
BDI TEMANGGUNG TENTARA Jl. Tentara Pelajar No. 6 Kec. Temanggung Kab. CENTRAL Temanggung
161
PELAJAR Temanggung Jawa Tengah JAVA Regency
D.I.
162 BDI YOGYAKARTA URIP S. Jl. Urip Sumohardjo 123 Kota Yogyakarta Yogyakarta Yogyakarta
YOGYAKARTA
Jl. Yos Sudarso No. 428 Gombong Kab. Kebumen CENTRAL
163 BDI GOMBONG YOS SUDARSO Kebumen
Jawa Tengah JAVA
Data
Corporate
Jl. Hayam Wuruk No.11A Kota Pekalongan Jawa CENTRAL
164 BDI PEKALONGAN H WURUK Pekalongan
Tengah JAVA
CENTRAL
165 BDI TEGAL SUDIRMAN Jl. Jend Sudirman No.11A Kota Tegal Jawa Tengah Tegal
JAVA
Jl. Slamet Riyadi No.312, Kelurahan Sriwedari,
CENTRAL
166 BDS SOLO SLAMET RIYADI Kecamatan Laweyan, Kota Surakarta / Solo, Jawa Surakarta/Solo
JAVA
Tengah, 57142
167 BDI KEDIRI BRAWIJAYA Jl. Brawijaya No.33 Kota Kediri Jawa Timur EAST JAVA Kediri
168 BDI JEMBER GAJAH MADA Jl. Gajah Mada No. 84 Kab. Jember Jawa Timur EAST JAVA Jember
BDI SURABAYA GUBERNUR
169 Jl. Gubernur Suryo No.12 Kota Surabaya Jawa Timur EAST JAVA Surabaya
SURYO
Ruko One Arcade, Blok ARC No.003 ,Kawasan One
170 BDI SURABAYA CITRALAND EAST JAVA Surabaya
Arcade Citraland Surabaya
171 BDI MALANG KAWI Jl. Kawi No. 15 Kota Malang Jawa Timur EAST JAVA Malang
172 BDI SURABAYA KEDUNGDORO 2 Jl. Kedungdoro No. 139, Surabaya, Jawa Timur EAST JAVA Surabaya
Banyuwangi
173 BDI BANYUWANGI A YANI Jl. Jend A. Yani No.41 Kab. Banyuwangi Jawa Timur EAST JAVA
Regency
Sidoarjo
174 BDI SIDOARJO A YANI Jl. A. Yani No.7 Kab. Sidoarjo Jawa Timur EAST JAVA
Regency
175 BDI SURABAYA COKLAT Jl. Coklat No. 8 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
Jl. HOS Cokroaminoto 124-126 Kota Madiun Jawa
176 BDI MADIUN COKROAMINOTO EAST JAVA Madiun City
Timur
177 BDI SURABAYA DARMO Jl. Raya Darmo No. 59 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
178 BDI SURABAYA DHARMAHUSADA Jl. Dharmahusada No.168 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
179 BDI SURABAYA HR MUHAMMAD Jl. Hr Muhammad 86 C-D Kota Surabaya Jawa Timur EAST JAVA Surabaya City
BDI SURABAYA JEMUR Jl. Jemur Andayani 46 B-C Kota Surabaya Jawa
180 EAST JAVA Surabaya City
ANDAYANI Timur
BDI SURABAYA KAPAS Jl. Kapas Krampung No. 106 Kota Surabaya Jawa
181 EAST JAVA Surabaya City
KRAMPUNG Timur
182 BDI GRESIK KARTINI Jl. R.A. Kartini No. 236/5 Kab. Gresik Jawa Timur EAST JAVA Gresik Regency
Jl. Kapten Kasihin No. 157 Kab. Tulungagung Jawa Tulungagung
183 BDI TULUNG AGUNG KASIHIN EAST JAVA
Timur Regency
BDI SURABAYA KEMBANG
184 Jl.Kembang Jepun No.43 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
JEPUN
BDI JOMBANG KH WAHID Jombang
185 Jl. KH Wahid Hasyim 121 Kab. Jombang Jawa Timur EAST JAVA
HASYIM Regency
186 BDI SURABAYA KLAMPIS Jl. Klampis Jaya No.136 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
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BDI SURABAYA MARGOREJO
187 Jl.Margorejo Indah No.90 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
INDAH
BDI SURABAYA MAYJEN Jl. Mayjen Sungkono No.75 Kota Surabaya Jawa
188 EAST JAVA Surabaya City
SUNGKONO Timur
189 BDI BLITAR MERDEKA Jl. Merdeka 28 Kav.4-5 Kota Blitar Jawa Timur EAST JAVA Blitar City
Jl. Mojopahit No. 282 Kel. Mentikan Kec. Prajurit Kulon
190 BDI MOJOKERTO SUDIRMAN EAST JAVA Mojokerto City
Kota Mojokerto Jawa Timur
Kawasan Central Niaga Pandaan Kav. 7-8 Lk.
Pasuruan
191 BDI PASURUAN PANDAAN Petungwulung Rt. 05 Rw. 06 Kelurahan Petungsari EAST JAVA
Regency
Kecamatan Pandaan Kab. Pasuruan Jawa Timur
Jl. Raya Margomulyo No. 9 Blok Aa No. 10 Kel.
192 BDI SURABAYA MARGOMULYO EAST JAVA Surabaya City
Balongsri Kec. Tandes Kota Surabaya Jawa Timur
Jl. Untung Suropati No. 26 Kab. Bojonegoro Jawa Bojonegoro
193 BDI BOJONEGORO SUROPATI EAST JAVA
Timur Regency
Jl. Soekarno Hatta No. 5- 6A, 6B, Kel. Mojolangu, Kec.
194 BDI MALANG SOEKARNO HATTA EAST JAVA Malang City
Lowokwaru, Malang, Jawa Timur
Pamekasan
195 BDI PAMEKASAN TRUNOJOYO Jl. Trunojoyo No. 63 Kab. Pamekasan Jawa Timur EAST JAVA
Regency
196 BDI SURABAYA DIPONEGORO Jl. Diponegoro No. 160 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
197 BDI SURABAYA KERTAJAYA Jl. Kertajaya No. 141 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
Jl. Raya Mulyosari 134 Pb 14 Kota Surabaya Jawa
Data
Corporate
198 BDI SURABAYA MULYOSARI EAST JAVA Surabaya City
Timur
199 BDI SURABAYA PASAR TURI Komp. Sinar Galaxy B-70 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
Komplek Ruko Promenade No 5 Jl Ir. Soekarno Hatta
200 BDI SURABAYA MERR No. 5 Kedung Baruk Rungkut Kota Surabaya Jawa EAST JAVA Surabaya City
Timur
201 BDS SURABAYA DIPONEGORO Jl. Diponegoro No. 31, Surabaya, Jawa Timur 60241 EAST JAVA Surabaya City
202 BDI DENPASAR GUNUNG AGUNG Jl. Gunung Agung No. 1 A Kota Denpasar Bali BALI Denpasar City
WEST NUSA
203 BDI MATARAM PEJANGGIK Jl. Pejanggik 117 Kota Mataram Nusa Tenggara Barat Mataram City
TENGGARA
Jl. Sumatera No. 43 Kota Kupang Nusa Tenggara EAST NUSA
204 BDI KUPANG SUMATERA Kupang City
Timur TENGGARA
Buleleng
205 BDI SINGARAJA A YANI Jl. A. Yani No. 46 Singaraja Kab Buleleng Bali BALI
Regency
Jl. Ir Soekarno Hatta RT 008 Rw 003 Kelurahan
WEST NUSA
206 BDI BIMA SOEKARNO HATTA Taruga Kecamatan Rasanae Barat Kab. Bima Nusa Bima City
TENGGARA
Tenggara Barat
207 BDI DENPASAR DIPONEGORO Jl. Diponegoro No. 137 Kota Denpasar Bali BALI Denpasar City
Jl. Diponegoro No. 26 Kel. Bugis Kec. Sumbawa Kab. WEST NUSA Sumbawa
208 BDI SUMBAWA DIPONEGORO
Sumbawa Nusa Tenggara Barat TENGGARA Regency
Jl. Gajah Mada No.9 Desa Delod Peken Kecamatan Tabanan
209 BDI TABANAN GAJAH MADA BALI
Tabanan Kab. Tabanan Bali Regency
210 BDI DENPASAR GATOT SUBROTO Jl. Gatot Subroto No.79 Kota Denpasar Bali BALI Denpasar City
BDI BADUNG GATOT SUBROTO Badung
211 Jl. Gatot Subroto Barat 354 Kab. Badung Bali BALI
BARAT Regency
212 BDI DENPASAR HAYAM WURUK Jl. Hayam Wuruk No. 246 Kota Denpasar Bali BALI Denpasar City
Badung
213 BDI KUTA LEGIAN Jl. Raya Legian No. 87 Kuta Kab. Badung Bali BALI
Regency
Jl. Adi Sucipto 88A Ruteng Kab. Manggarai Nusa EAST NUSA Manggarai
214 BDI MANGGARAI ADI SUCIPTO
Tenggara Timur TENGGARA Regency
Jembrana
215 BDI NEGARA NGURAH RAI Jl. Ngurah Rai No. 101 Negara Kab. Jembrana Bali BALI
Regency
Jl. Raya Centis No. 27, RT 011/RW.003, Kel. Kota Baru, EAST NUSA
216 BDI MAUMERE RAYA CENTIS Sikka Regency
Kec. Alok, Kab. Sikka, Nusa Tenggara Timur TENGGARA
EAST NUSA
217 BDI ENDE SOEKARNO Jl. Soekarno No. 77 Kab. Ende Nusa Tenggara Timur Ende Regency
TENGGARA
Jl. Jendral Sudirman No. 22, Atambua, Kab. Belu, EAST NUSA
218 BDI ATAMBUA SUDIRMAN Belu Regency
Nusa Tenggara Timur, 85711 TENGGARA
Jl. Sandubaya No 35. Bertais Sweta Kota Mataram WEST NUSA
219 BDI SWETA TEGUH FAISAL Mataram City
Nusa Tenggara Barat TENGGARA
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Gianyar
220 BDI UBUD CAMPUAN Jl. Ida Bagus Manik Peliatan - Ubud Bali BALI
Regency
Gianyar
221 BDI GIANYAR DHARMA GIRI Jl. Dharma Giri No. 21 Kab. Gianyar Bali BALI
Regency
Jl. Raya Kerobokan Desa Kerobokan Kelurahan Badung
222 BDI BADUNG KEROBOKAN BALI
Badung Kec. Kuta Utara Kab. Badung Bali Regency
Jl. By Pass Ngurah Rai 100C Kel. Mumbul/Bualu Kec.
223 BDI BADUNG NGURAH RAI BALI Regency
Kuta Selatan Kab. Badung Bali
BDS DENPASAR GUNUNG
224 Jl. Gunung Agung No. 1 A, Kota Denpasar, Bali, 80117 BALI Denpasar City
AGUNG
NORTH
225 BDI SIBOLGA IMAM BONJOL Jl. Imam Bonjol No.63 Kota Sibolga Sumatera Utara Sibolga City
SUMATERA
NORTH
226 BDI MEDAN PUTRI HIJAU Jl. Putri Hijau No. 2 Kota Medan Sumatera Utara Medan City
SUMATERA
Jl. Sutomo No. 5 D/E Kota Pematang Siantar Sumatera NORTH Pematang
227 BDI P.SIANTAR SUTOMO
Utara SUMATERA Siantar City
Bank Duta Building Nagoya Jl.Imam Bonjol Nagoya
228 BDI BATAM NAGOYA RIAU ISLANDS Batam City
Batam Kota Batam Kepulauan Riau
NORTH
229 BDI MEDAN BINJAI Jl. Jend. Sudirman No.60 Kota Binjai Sumatera Utara Binjai City
SUMATERA
NORTH
230 BDI MEDAN DIPONEGORO Jl. P. Diponegoro No. 35 Kota Medan Sumatera Utara Medan City
SUMATERA
Data
Corporate
Jl. KH Ahmad Dahlan No.94 Rantau Prapat Kab. NORTH Labuhan Batu
231 BDI RANTAU PRAPAT A DAHLAN
Labuhan Batu Sumatra Utara SUMATERA Regency
BDI TANJUNG BALAI Jl. Cokroaminoto 48 A Tj. Balai Asahan Kota Tanjung NORTH
232 Tanjung Balai
COKROAMINOTO Balai Sumatera Utara SUMATERA
Jl. Sutomo No. 85 Lubuk Pakam Kab. Deli Serdang NORTH Deli Serdang
233 BDI DELI SERDANG SUTOMO
Sumatra Utara SUMATERA Regency
Jl. Imam Bonjol No.145 - 147 Kisaran Timur Kab. NORTH
234 BDI KISARAN IMAM BONJOL Asahan Regency
Asahan Sumatra Utara SUMATERA
Jl. Iskandar Muda No.226-230 Kota Medan Sumatera NORTH
235 BDI MEDAN ISKANDAR MUDA Medan City
Utara SUMATERA
NORTH
236 BDI MEDAN KRAKATAU Jl.Krakatau No.127 - 127A Kota Medan Sumatera Utara Medan City
SUMATERA
BDI PADANG SIDEMPUAN Jl. Merdeka No.22 Kota Padang Sidempuan Sumatera NORTH Padang
237
MERDEKA Utara SUMATERA Sidempuan City
NORTH
238 BDI MEDAN PANDU Jl. Pandu 41/70 Kota Medan Sumatera Utara Medan City
SUMATERA
NORTH
239 BDI MEDAN PEMUDA Jl. Pemuda No. 5 A-D Kota Medan Sumatera Utara Medan City
SUMATERA
Jl. Jend. Sudirman No. 158 Kel. Badak Bejuang Kec. NORTH Tebing Tinggi
240 BDI TEBING TINGGI SUDIRMAN
Rambutan Kota Tebing Tinggi Sumatera Utara SUMATERA City
NORTH
241 BDI MEDAN THAMRIN Jl. Thamrin No.93-95 Medan - Sumatera Utara Medan City
SUMATERA
Komp.Tomang Elok Blok Bb No.98 Seikambing Kota NORTH
242 BDI MEDAN TOMANG ELOK Medan City
Medan Sumatera Utara SUMATERA
Ruko Medan Asia Jl.Asia Indah Blok C No.10-11 Kel.
NORTH
243 BDI MEDAN ASIA MEGA MAS Sukaramai Ii Kec. Medan Area Kota Medan Sumatera Medan City
SUMATERA
Utara
BDI GUNUNG SITOLI Jl.Diponegoro No.143 Kel. Ilir Kec.Gunung Sitoli Kab NORTH
244 Nias Regency
DIPONEGORO Nias Sumatera Utara SUMATERA
Jl. Brigjend Zein Hamid Km. 55 No. 12 C LK V
BDI MEDAN BRIGJEND ZEIN NORTH
245 Kelurahan Titi Kuning Kecamatan Medan Johor Kota Medan City
HAMID SUMATERA
Medan Sumatera Utara
Jl. Nibung Utama No.3-4 Kelurahan Petisah Tengah NORTH
246 BDI MEDAN PETISAH Medan City
Kecamatan Medan Barat Kota Medan Sumatera Utara SUMATERA
NORTH
247 BDI MEDAN PUSAT PASAR Jl. Pusat Pasar No.P 187 Kota Medan Sumatera Utara Medan City
SUMATERA
NORTH
248 BDI MEDAN RAHMADSYAH Jl. Rahmadsyah No. 22 Kota Medan Sumatera Utara Medan City
SUMATERA
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NORTH
249 BDI MEDAN SETIA BUDI Jl. Setiabudi No.4 Kota Medan Sumatera Utara Medan City
SUMATERA
Jl. Pemuda No. 30 Tanjungpura Kab. Langkat NORTH Langkat
250 BDI MEDAN TANJUNG PURA
Sumatera Utara SUMATERA Regency
Komp. Ruko Cemara Asri No. 8D Jl. Boulevard Timur
NORTH Deli Serdang
251 BDI MEDAN CEMARA ASRI Kel. Sampali Kec. Percut Sei Tuan Kota Medan
SUMATERA Regency
Sumatera Utara
Jl. Zainal Arifin 774 Stabat Kab. Langkat Sumatera NORTH Langkat
252 BDI STABAT ZAINAL ARIFIN
Utara SUMATERA Regency
Jl. Raden Patah No. 15 A Lubuk Baja Kota Batam
253 BDI BATAM RADEN PATAH RIAU ISLANDS Batam City
Kepulauan Riau
Jl. Ketapang No.49 Kota Tanjung Pinang Kepulauan Tanjung Pinang
254 BDI TANJUNG PINANG POS RIAU ISLANDS
Riau City
Batu Lipai Jl. Raja Oesman Ruko No. 5 RT. 00l /
Karimun
255 BDI KARIMUN RAJA OESMAN RW 001. Kel. Baran Timur Kec. Meral Kab. Karimun RIAU ISLANDS
Regency
Provinsi Kepulauan Riau
Komplek Palm Spring Batam Center Blok D1 No. 8 Dan
256 BDI BATAM PALM SPRING RIAU ISLANDS Batam City
9 Kota Batam Kepulauan Riau
BDS LHOKSUMAWE Jl. Perdagangan No. 47-49 Lhokseumawe Kec. Banda Lhokseumawe
257 ACEH
PERDAGANGAN Sakti Kota Lhokseumawe Aceh City
BDS BIREUEN KOL. HUSEIN Aceh Jeumpa/
258 Jl. Kolonel Husein Yusuf No. 1 Bireun Aceh ACEH
YUSUF Bireuen
Data
Corporate
259 BDS LANGSA TEUKU UMAR Jl. Teuku Umar No.114 Langsa Aceh ACEH Langsa City
Jl. Sri Ratu Safiatuddin No.54 Nanggroe Aceh
260 BDS ACEH ACEH Banda Aceh City
Darussalam
Jl.P.Diponegoro No.35, Kelurahan Madras Hulu,
NORTH
261 BDS MEDAN DIPONEGORO Kecamatan Medan Polonia, Kabupaten Medan, Medan City
SUMATERA
Sumatera Utara 20152
262 BDI BENGKULU S. PARMAN Jl. S. Parman No. 35 Kota Bengkulu Bengkulu BENGKULU Bengkulu
Jl. Jend. Sudirman No. 40 Kota Padang Sumatera WEST
263 BDI PADANG SUDIRMAN Padang
Barat SUMATERA
Jl. Jendral Sudirman No. 1129 Kelurahan 20 Ilir
SOUTH
264 BDI PALEMBANG SUDIRMAN Kecamatan Ilir Timur I Kota Palembang Sumatera Palembang
SUMATERA
Selatan
265 BDI JAMBI SUTOMO Jl. Dr. Sutomo No. 40 Kota Jambi Jambi JAMBI Jambi
266 BDI PEKANBARU WAHID HASYIM Jl. W Hasyim No. 2 Kota Pekanbaru Riau RIAU Pekanbaru
WEST
267 BDI BUKITTINGGI A YANI Jl. A. Yani No.116F Kota Bukit Tinggi Sumatera Barat Bukittinggi
SUMATERA
Jl. Akmal No.756 Rt/Rw. 015 / 006 Kelurahan Pasar
SOUTH Ogan Komering
268 BDI BATU RAJA AKMAL Baru Kecamatan Batu Raja Timur Batu Raja Kab. Ogan
SUMATERA Ulu
Komering Ulu Sumatera Selatan
BDI PALEMBANG BASUKI Jl. Basuki Rahmat No.897 C-D Kota Palembang SOUTH
269 Palembang City
RAHMAT Sumatera Selatan SUMATERA
Jl. Bundo Kandung No. 23 Kota Padang Sumatera WEST
270 BDI PADANG BUNDO KANDUNG Padang City
Barat SUMATERA
Jl. Yos Sudarso No.103 RT.001 Kel. Cereme Taba Kec.
BDI LUBUK LINGGAU YOS SOUTH Lubuklinggau
271 Lubuklinggau Timur II Kota Lubuklinggau Sumatera
SUDARSO SUMATERA City
Selatan
Jl.Hr Subrantas Komp.Metropolitan City Blok A-6
272 BDI PEKANBARU HR SUBRANTAS RIAU Pekanbaru City
Panam Kota Pekanbaru Riau
Jl. Gatot Subroto Komp. Kota Indah Blok A-B No.1
273 BDI JAMBI KOTA INDAH JAMBI Jambi City
Jambi Kota Jambi Jambi
Jl. Nelayan No. 5 Kuala Tungkal Kab. Tanjung Jabung Tanjung Jabung
274 BDI JAMBI KUALA TUNGKAL JAMBI
Barat Jambi Barat Regency
BDI PANGKAL PINANG Jl. Masjid Jamik No. 27 Kota Pangkal Pinang Bangka BANGKA Pangkal Pinang
275
SUDIRMAN Belitung BELITUNG City
276 BDI PEKANBARU RIAU Jl. Griya Ruko No. 1 & 2 Tampan Kota Pekanbaru Riau RIAU Pekanbaru City
Bengkalis
277 BDI DURI SUDIRMAN Jl. Sudirman No. 151-152 Duri Kab. Bengkalis Riau RIAU
Regency
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Jl.Jend Sudirman No.761 Bagan Batu Kab. Rokan Hilir Rokan Hilir
278 BDI BAGAN BATU SUDIRMAN RIAU
Riau Regency
279 BDI DUMAI SUKAJADI Jl. Diponegoro No. 81 A-B Kota Dumai Riau RIAU Dumai City
BDI PEKANBARU TUANKU
280 Jl.Tuanku Tambusai No.12 A Kota Pekanbaru Riau RIAU Pekanbaru City
TAMBUSAI
Jl.M.Boya Rt/Rw.01/11 Kel. Tembilahan Kab. Indragiri Indragiri Hilir
281 BDI INDRAGIRI HILIR M.BOYA RIAU
Hilir Riau Regency
Jl. Mesjid Lama No. 170 Kota Palembang Sumatera SOUTH
282 BDI PALEMBANG MESJID LAMA Palembang City
Selatan SUMATERA
BDI PEKANBARU SIMPANG Jl. M. Yatim No. 65 Rt/Rw 003/001 Kel. Kampung
283 RIAU Pekanbaru City
PASAR BAWAH Dalam Kec. Senapelan Kota Pekanbaru Riau
Jl. Jendral Sudirman No. 1129 Kelurahan 20 Ilir
SOUTH
284 BDS PALEMBANG SUDIRMAN Kecamatan Ilir Timur I Kota Palembang Sumatera Palembang City
SUMATERA
Selatan
Jl. A. Yani No. 82 Kota Palangkaraya Kalimantan CENTRAL Palangkaraya
285 BDI PALANGKARAYA A YANI
Tengah KALIMANTAN City
BDI BANJARMASIN LAMBUNG Jl. Lambung Mangkurat No. 50 Kota Banjarmasin SOUTH Banjarmasin
286
MANGKURAT Kalimantan Selatan KALIMANTAN City
Jl. Jend.Sudirman No. 54 Kota Balikpapan Kalimantan EAST
287 BDI BALIKPAPAN SUDIRMAN Balikpapan City
Timur KALIMANTAN
Jl. Jend. Sudirman No. 31 Kota Samarinda Kalimantan EAST
288 BDI SAMARINDA SUDIRMAN Samarinda City
Timur KALIMANTAN
Data
Corporate
Jl. Tanjung Pura No. 102 Kota Pontianak Kalimantan WEST
289 BDI PONTIANAK TANJUNG PURA Pontianak City
Barat KALIMANTAN
Jl. Mangga II. No. 4D RT. 016 RW. 00 Kel. Tanjung
EAST
290 BDI TANJUNG REDEP MANGGA Redeb Kec. Tanjung Redeb Kab. Berau Kalimantan Berau Regency
KALIMANTAN
Timur
Jl Pangeran Antasari No. 135 Rt/Rw 01/01 Desa
CENTRAL West
291 BDI PANGKALAN BUN ANTASARI Kampung Raja Kecamatan Arut Selatan Kab.
KALIMANTAN Kotawaringin
Kotawaringin Barat Propinsi Kalimantan Tengah
Jl. Yos Sudarso II RT. 14 Sangatta Utara Kec. Sangatta EAST
292 BDI SANGATTA YOS SUDARSO East Kutai
Kab Kutai Timur Kalimantan Timur KALIMANTAN
WEST
293 BDI KETAPANG MERDEKA Jl. Merdeka No. 181 Kab. Ketapang Kalimantan Barat Ketapang
KALIMANTAN
Jl. Jend Ahmad Yani No. 2 Rt. 09 Kota Bontang EAST
294 BDI BONTANG A. YANI Bontang
Kalimantan Timur KALIMANTAN
Jl. Putri Ciptasari 8-10 Kab. Kota Baru Kalimantan SOUTH
295 BDI KOTABARU PUTRI CIPTASARI Baru
Selatan KALIMANTAN
Jl. Mulawarman No 9, RT 044, Kel. Karang Anyar, Kec. EAST
296 BDI TARAKAN MULAWARMAN Tarakan
Tarakan Barat, Kota Tarakan, Kalimantan Utara KALIMANTAN
Jl. A.Yani Km. 2.5 No. 81 Kota Banjarmasin Kalimantan SOUTH
297 BDI BANJARMASIN A YANI Banjarmasin
Selatan KALIMANTAN
Jl. A. Yani Km 34 No 4, RT. 002, RW. 002, Kelurahan
SOUTH
298 BDI BANJAR BARU A. YANI Loktabat Utara, Kecamatan Banjarbaru Utara, Kota Banjarbaru
KALIMANTAN
Banjarbaru, Kalimantan Selatan
Jl. Raya Batu Licin No. 2-3 Batu Licin Kab. Kota Baru SOUTH
299 BDI KOTABARU BATU LICIN Kota Baru
Kalimantan Selatan KALIMANTAN
Jl. Achmad Yani, RT 18, Kel. Temindung Permai, Kec. EAST
300 BDI SAMARINDA ACHMAD YANI Samarinda
Sungai Pinang, Kota Samarinda, Kalimantan Timur KALIMANTAN
Jl. Khatulistiwa No. H- 99 Siantan Kab. Pontianak WEST
301 BDI SIANTAN KHATULISTIWA Pontianak
Kalimantan Barat KALIMANTAN
Jl. Mayjend. Sutoyo No 86 Sampit Kab. Kotawaringin CENTRAL East
302 BDI SAMPIT MAYJEN SUTOYO
Timur Kalimantan Tengah KALIMANTAN Kotawaringin
Jl. Juang Blok H No. 3 Dan 4 Nanga Pinoh Kab. WEST
303 BDI MELAWI JUANG Melawi
Melawi Kalimantan Barat KALIMANTAN
WEST
304 BDI SINTANG MT HARYONO Jl MT. Haryono No. 5 Kab. Sintang Kalimantan Barat Sintang
KALIMANTAN
WEST
305 BDI SINGKAWANG NIAGA Jl. Niaga No. 5-7 Kota Singkawang Kalimantan Barat Singkawang
KALIMANTAN
Jl. Pandansari No .2 Rt 15 Kota Balikpapan Kalimantan EAST
306 BDI BALIKPAPAN PANDANSARI Balikpapan City
Timur KALIMANTAN
546 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
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No Branches Address Province City/Regency
Jl. R.A Kartini No. 42 Tanah Grogot Kab. Pasir EAST
307 BDI TANAH GROGOT SUPRAPTO Pasir Regency
Kalimantan Timur KALIMANTAN
Jl. Pahlawan Rt.032 Kel. Dadi Mulya Kec. Samarinda EAST
308 BDI SAMARINDA PAHLAWAN Samarinda City
Ulu Kota Samarina Kalimantan Timur KALIMANTAN
Jl. Jurusan Pontianak Sungai Pinyuh Kab. Pontianak WEST Pontianak
309 BDI PONTIANAK SEIPINYUH
Kalimantan Barat KALIMANTAN Regency
Jl. Sengkawit No. 100, RT,051 / RW,019, Kel. Tanjung
BDI TANJUNG SELOR EAST Bulungan
310 Selor Hilir, Kec. Tanjung Selor, Kab. Bulungan,
SENGKAWIT KALIMANTAN Regency
Kalimantan Utara
Jl. Sultan Muhammad No 176 RT/RW 001/01 Benua WEST
311 BDI PONTIANAK ST MUHAMMAD Pontianak City
Melayu Laut Pontianak Selatan KALIMANTAN
WEST Sanggau
312 BDI SANGGAU A YANI Jl. Ahmad Yani No. 99 Kab. Sanggau Kalimantan Barat
KALIMANTAN Regency
Jl. Gajah Mada No.181 -183 RT/RW. 004/027 Kel.
WEST
313 BDI PONTIANAK GAJAH MADA Benua Melayu Darat Kec. Pontianak Selatan Kota Pontianak City
KALIMANTAN
Pontianak Kalimantan Barat
BDI PONTIANAK KH. WAHID Jl. KH Wahid Hasyim No. 24 - 26 Kota Pontianak WEST
314 Pontianak
HASYIM Kalimantan Barat KALIMANTAN
Jl. Muh. Hambal No. 48 Pemangkat Kab. Sambas WEST Sambas
315 BDI PEMANGKAT M HAMBAL
Kalimantan Barat KALIMANTAN Regency
Jl. Sungai Raya Dalam No. C. Kel. Bangka Belitung
BDI PONTIANAK SUNGAI RAYA WEST
316 Darat Kec. Pontianak Tenggara Kota Pontianak Pontianak City
DALAM KALIMANTAN
Data
Corporate
Kalimantan Barat
Jl. A. Yani Km 34 No 4, RT. 002, RW. 002, Kelurahan
SOUTH
317 BDS BANJAR BARU A. YANI Loktabat Utara, Kecamatan Banjarbaru Utara, Kota Banjarbaru City
KALIMANTAN
Banjarbaru, Kalimantan Selatan
CENTRAL
318 BDI PALU HASANUDIN Jl. St.Hasanudin No.27 Kota Palu Sulawesi Tengah Palu City
SULAWESI
319 BDI JAYAPURA A YANI Jl. A.Yani No.9 Kota Jayapura Papua PAPUA Jayapura City
SOUTH
320 BDI MAKASSAR A YANI Jl. A.Yani No.11- 13 Kota Makassar Sulawesi Selatan Makassar City
SULAWESI
321 BDI GORONTALO A YANI Jl.A.Yani No.58 Kota Gorontalo Gorontalo GORONTALO Gorontalo
Jl. Diponegoro No 80 RT. 002 RW.05 Kel. Ahusen Kec.
322 BDI AMBON DIPONEGORO MALUKU Ambon City
Sirimau Kota Ambon Maluku
Jl. Dr Sam Ratulangi No 96 - 97 RT.001 / RW .001
SOUTHEAST
323 BDI KENDARI SAM RATULANGI Kel. Mandonga Kec. Mandonga Kota Kendari Prov Kendari
SULAWESI
Sulawesi Tenggara.
NORTH
324 BDI MANADO SUTOMO Jl.Dr.Sutomo No.62 Kota Manado Sulawesi Utara Manado
SULAWESI
BDI TERNATE PAHLAWAN Jl. Boulevard Ruko Jatiland Kel. Gamalama Kec. Kota NORTH
325 Ternate
REVOLUSI Ternate Tengah Kota Ternate Maluku Utara MALUKU
SOUTH Pinrang
326 BDI PINRANG A MAKASAU Jalan A. Makkasau No. 34 Pinrang, Sulawesi Selatan
SULAWESI Regency
Jl. Jendral Ahmad Yani Kel Remu Utara Kec. Sorong
327 BDI SORONG A YANI WEST PAPUA Sorong City
Kota Sorong Papua Barat
SOUTH
328 BDI BONE AGUS SALIM Jl.Agus Salim No.1 Kab. Bone Sulawesi Selatan Bone Regency
SULAWESI
Jl. A. Yani No.104 Luwuk Banggai Kab. Banggai CENTRAL Banggai
329 BDI LUWUK BANGGAI
Sulawesi Tengah SULAWESI Regency
Jl. Diponegoro No.58, Kel.Pasele, Kec. Rantepao, Kab. SOUTH Tana Toraja
330 BDI RANTEPAO DIPONEGORO
Toraja Utara, Sulawesi Selatan SULAWESI Regency
Jl. St. Hasanudin No.50 Kota Pare-Pare Sulawesi SOUTH
331 BDI PARE PARE HASANUDIN Pare-Pare
Selatan SULAWESI
332 BDI BIAK IMAM BONJOL Jl.Imam Bonjol No.34 Kab. Biak Numfor Papua PAPUA Biak Numfor
BDI KOTAMOBAGU LETJEN Jl. Letjen Suprapto RT/RW 001/001 Kel. Gogagoman NORTH Kotamobagu
333
SUPRAPTO Kec. Kotamobagu Barat Kotamobagu Sulawesi Utara SULAWESI City
Jl. G. Latimojong No. 22 Kota Makassar Sulawesi SOUTH
334 BDI MAKASSAR LATIMOJONG Makassar City
Selatan SULAWESI
Merauke
335 BDI MERAUKE MANDALA Jl.Raya Mandala No.71 Kab Merauke Papua PAPUA
Regency
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 547
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No Branches Address Province City/Regency
SOUTH
336 BDI WAJO SENGKANG Jl.RA.Kartini No.124 - 126 Kab. Wajo Sulawesi Selatan Wajo Regency
SULAWESI
Jl. Kelapa No. 1 RT. 02 / RW. 04 Kel. Dangerako Kec. SOUTH
337 BDI PALOPO KELAPA Palopo City
Wara Kota Palopo Prov. Sulawesi Selatan SULAWESI
BDI BULUKUMBA SAM Jl. Sam Ratulangi Kel Caile Kec. Ujung Bulu Kab SOUTH Bulukumba
338
RATULANGI Bulukumba Sulawesi Selatan SULAWESI Regency
Jl. Slamet Riyadi No. 1 Kota Makassar Sulawesi SOUTH
339 BDI MAKASSAR SLAMET RIYADI Makassar City
Selatan SULAWESI
NORTH
340 BDI MANADO TOAR Jl. Toar No. 17 Kota Manado Sulawesi Utara Manado City
SULAWESI
Jl. Raya Tomohon No.40A Tomohon Minahasa - NORTH
341 BDI MINAHASA TOMOHON Tomohon City
Sulawesi Utara SULAWESI
Jl. Usman Binol Rw Vii Kecamatan Baolan Kelurahan CENTRAL
342 BDI TOLI TOLI USMAN BINOL Toli-Toli City
Baru Kab. Tolitoli Sulawesi Tengah SULAWESI
Jl KH Wahid Hasyim No 183 RT/RW 02/03 Kel.
SOUTH
343 BDI SUNGGUMINASA W HASYIM Sungguminasa, Kec. Somba Opu Kab Gowa, Sulawesi Gowa Regency
SULAWESI
Selatan
Jl. Bataraguru No. 62 RT. 014/RW. 004 Kel. Wajo Kec. SOUTHEAST
344 BDI BAU BAU BATARAGURU Bau-Bau City
Betoambari Kota Bau Bau Prov. Sulawesi Tenggara SULAWESI
Manokwari
345 BDI MANOKWARI Y SUDARSO Jl. Yos Sudarso No.41 E/F Kab. Manokwari Papua WEST PAPUA
Regency
346 BDI NABIRE YOS SUDARSO Jl. Yos Sudarso No.12 Kab. Nabire Papua PAPUA Nabire Regency
Data
Corporate
347 BDI TIMIKA YOS SUDARSO Jl. Yos Sudarso No. 12 Timika Kab. Mimika Papua PAPUA Mimika Regency
Jl. Merdeka No.30 Makale Kab. Tana Toraja Sulawesi SOUTH Tana Toraja
348 BDI MAKALE MERDEKA
Selatan SULAWESI Regency
Jl. Boulevard Ruko Jasper I No. 12-13 RT. 005/RW.004
SOUTH
349 BDI MAKASSAR PANAKUKKANG Kel. Masale Kec. Panakkukang Kota Makassar Provinsi Makassar City
SULAWESI
Sulawesi Selatan.
Jl. Yos Sudarso No. 302 Kelurahan Tabaringan
SOUTH
350 BDI MAKASSAR YOS SUDARSO Kecamatan Ujung Tanah Kota Makassar Sulawesi Makassar City
SULAWESI
Selatan
Jl. Kemiri Depan No. 751 RT/RW 01/04 Kelurahan
351 BDI SENTANI KEMIRI Hinekombe Kecamatan Sentani Kabupaten Jayapura PAPUA Jayapura City
Papua
BDI MAKASSAR VETERAN Jl. Veteran Selatan No. 455C - 455 D Kota Makassar SOUTH
352 Makassar City
SELATAN Sulawesi Selatan SULAWESI
Jl. Yos Sudarso No. 76 Kel. Bitung Tengah Kota Bitung NORTH
353 BDI BITUNG YOS SUDARSO Bitung City
Sulawesi Utara SULAWESI
Jl. A.Yani No.11- 13, Kota Makassar, Sulawesi Selatan, SOUTH
354 BDS MAKASSAR A YANI Makassar City
90174 SULAWESI
Jl. Trans Sulawesi, RT.000/RW.000, Kel. IPI, Kec.
CENTRAL Morowali
355 BDI MOROWALI BUNGKU Bungku Tengah, Kab. Morowali, Provinsi Sulawesi
SULAWESI Regency
Tengah.
Satrio Tower, Jl. Prof. Satrio kav c4 lantai 7, Kel. Karet
356 KFNO PROF. SATRIO Setiabudi, Kec. Setiabudi, Kodya. Jakarta Selatan, JAKARTA South Jakarta
Provinsi DKI Jakarta
Komplek Green Ville Blok Ay No. 20, Jakarta Barat,
357 MOBIL KAS KELILING KONVEN 1 JAKARTA West Jakarta
DKI Jakarta, 11510
CENTRAL
358 MOBIL KAS KELILING KONVEN 2 Jl. Pemuda No. 175 Kota Semarang Jawa Tengah Semarang City
JAVA
359 MOBIL KAS KELILING KONVEN 3 Jl. Gubernur Suryo No.12 Kota Surabaya Jawa Timur EAST JAVA Surabaya City
360 MOBIL KAS KELILING KONVEN 4 Jl. Hayam Wuruk No. 246 Kota Denpasar Bali BALI Denpasar City
Komplek Green Ville Blok Ay No. 20, Jakarta Barat,
361 MOBIL KAS KELILING SYARIAH JAKARTA West Jakarta
DKI Jakarta, 11510
548 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 551
Data
Corporate
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 549
Page 552
LIST OF DISCLOSURES IN
ACCORDANCE WITH FINANCIAL
SERVICES AUTHORITY
REGULATION NUMBER 51/
POJK.03/2017
Index Number Index Name Page
Sustainability Strategy
A.1 Sustainability Strategy Explanation 482
Sustainability Aspect Performance Overview
B.1 Economic Aspect
a. Quantity of production or services sold 477
b. Revenue or sales 477
Data
Corporate
c. Net profit or loss 477
d. Environmentally friendly products 477
e. Involvement of local parties related to the Sustainable Finance business process. 477
B.2 Environmental Aspects Overview
a. Energy use 478
b. Reduction of emissions produced 478
c. Waste and effluent reduction 478
d. Biodiversity conservation 478
B.3 Social Aspect Overview 479
Company Profile
C.1 Vision, Mission and Values of Sustainability 482
C.2 Company’s Address 45
C.3 Company’s Scale
a. Total assets or capitalized assets and total liabilities 8
b. Number of employees by gender, position, age, education, and employment status 82
c. Names of shareholders and percentage of share 86
d. Operational area 46
C.4 Products, Services, and Running Business Activities 521
C.5 Membership in the Association 45
C.6 Significant Changes in Issuers and Public Companies 517
Explanation of the Board of Directors
D.1 Explanation of the Board of Directors
a. Policies to respond to challenges in fulfilling the sustainability strategy 29 - 33
b. Implementation of Sustainable Finance 29 - 33
c. Target achievement strategy 29 - 33
Sustainability Governance
E.1 Responsible for Implementing Sustainable Finance 480
E.2 Competency Development Related to Sustainable Finance 359, 483
E.3 Risk Assessment of the Implementation of Sustainable Finance 492 - 494
E.4 Stakeholders Relations 484
E.5 Problems with the Implementation of Sustainable Finance 483
Sustainability Performance
F.1 Sustainability Culture Activities 483
Economic Performance
F.2 Comparison of Targets and Performance of Production, Portfolio, Financing, Income and Profit 8
and Loss
F.3 Comparison of Portfolio Targets and Performance, Financing Targets, or Investments in Projects 489
in line with Sustainable Finance
550 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 553
Index Number Index Name Page
Environmental Performance
General Aspect
F.4 Environmental Costs 500
Material Aspect
F.5 Environmentally Friendly Materials Used 499
Energy Aspect
F.6 Amount and Intensity of Energy Used 497
F.7 Efforts and Achievements of Energy Efficiency and Use of Renewable Energy 497 - 495
Water Aspect
F.8 Water Usage 499
Aspects of Biodiversity
F.9 Impacts of Operational Areas That are Near or in Conservation Area 499
F.10 Efforts to Conserve Biodiversity 499
Emission Aspect
F.11 Amount and Intensity of Emissions Generated by Type 497 - 498
F.12 Efforts and Achievements of Emission Reduction Made 495 - 496
Waste and Effluent Aspects
F.13 Amount of Waste and Effluent Generated by Type 499
F.14 Waste and Effluent Management Mechanism 499
F.15 Occurring Spills (if any) 499
Data
Corporate
Complaint Aspects Related to the Environment
F.16 Number and Material of Environmental Complaints Received and Resolved 500
Social Performance
F.17 Commitment to Provide Services on Equal Products and/or Services to Consumers 512
Employment Aspect
F.18 Equal Employment Opportunity 507
F.19 Child Labor and Forced Labor 506
F.20 Regional Minimum Wage 507
F.21 Decent and Safe Work Environment 510
F.22 Employee Capability Training and Development 506
Community Aspect
F.23 Impact of Operations on Surrounding Communities 513
F.24 Community Complaints 505
F.25 Environmental Social Responsibility Activities (TJSL) 502 - 504
Responsibility for Sustainable Product/Service Development
F.26 Innovation and Development of Sustainable Financial Products/Services 487 - 489
F.27 Products/Services that Have Been Evaluated for Safety for Customers 513
F.28 Product/Service Impact 513
F.29 Number of Product Recalls 514
F.30 Customer Satisfaction Survey on Sustainable Financial Products and/or Services 516
Others
G.1 Written Verification from Independent Party (if any) 518
G.2 Feedback Form 556
G.3 Responses to Feedback on the Previous Year’s Sustainability Report 517
G.4 List of Disclosures According to Financial Services Authority Regulation Number 51/ 550
POJK.03/2017 concerning Implementation of Sustainable Finance for Financial Services
Institutions, Issuers, and Public Companies
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 551
Page 554
GRI CONTENT INDEX
Statement of use PT Bank Danamon Indonesia Tbk has reported the information cited in this GRI content index for
the period 01 January - 31 December 2025 with reference to the GRI Standards.
GRI 1 used GRI 1: Foundation 2021
GRI STANDARD Disclosure Location
General Disclosures
GRI 2: 2-1 Organizational details 45
General Disclosures 2021
2-2 Entities included in the organization’s sustainability reporting 517
2-3 Reporting period, frequency and contact point 517
2-4 Restatements of information 517
2-5 External assurance 518
2-6 Activities, value chain and other business relationships 51
2-7 Employees 82
2-8 Workers who are not employees 508
2-9 Governance structure and composition 289, 480
2-12 Role of the highest governance body in overseeing the 480 - 481
management of impacts
Data
Corporate
2-13 Delegation of responsibility for managing impacts 480 - 481
2-14 Role of the highest governance body in sustainability reporting 480 - 481
2-17 Collective knowledge of the highest governance body 359, 483
2-22 Statement on sustainable development strategy 482
2-24 Embedding policy commitments 483, 506
2-25 Processes to remediate negative impacts 422
2-26 Mechanisms for seeking advice and raising concerns 422
2-28 Membership associations 45
2-29 Approach to stakeholder engagement 484
2-30 Collective bargaining agreements 506
Material Topics
GRI 3: 3-1 Process to determine material topics 485
Material topics 2021
3-2 List of material topics 485
Anti-corruption
GRI 3: 3-3 Management of material topics 419
Material topics 2021
GRI 205: 205-2 Communication and training about anti-corruption policies and 419
Anti-corruption 2016 procedures
205-3 Confirmed incidents of corruption and actions taken 422
Operational Environmental Footprint
GRI 3: 3-3 Management of material topics 495 – 496, 499
Material topics 2021
GRI 302: 302-1 Energy consumption within the organization 497
Energy 2016
302-3 Energy intensity 497
GRI 303: 303-5 Water consumption 499
Water and Effluents 2018
GRI 306: 306-3 Waste generated 499
Waste 2020
Climate Change
GRI 3: 3-3 Management of material topics 495 – 496
Material topics 2021
GRI 102: 102-5 Direct GRK emissions (Scope-1) 497
Climate Change 2025
102-6 Indirect GRK emissions (Scope-2) 497
102-7 Indirect GRK emissions (Scope-3) 498
102-8 GRK emissions intensity 498
102-10 Carbon Credit 496, 497
552 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 555
GRI STANDARD Disclosure Location
Human Resource Development
GRI 3: 3-3 Management of material topics 506 - 508
Material topics 2021
GRI 404: 404-1 Diversity of governance bodies and employees 506
Training and Education 2016
404-2 Ratio of basic salary and remuneration of women to men 273, 483
Diversity, Equity and Inclusion
GRI 3: 3-3 Management of material topics 507, 509
Material topics 2021
GRI 405: 405-1 Diversity of governance bodies and employees 508
Diversity and Equal Opportunity
405-2 Ratio of basic salary and remuneration of women to men 507
2016
Financial Access/Financial Inclusion and Community Development
GRI 3: 3-3 Management of material topics 502
Data
Corporate
Material topics 2021
GRI 413: 413-1 Operations with local community engagement, impact assessments, 503 - 505
Local Communities and development programs
Cybersecurity
GRI 3: 3-3 Management of material topics 515
Material topics 2021
GRI 418: 418-1 Substantiated complaints concerning breaches of customer privacy 516
Customer Privacy 2016 and losses of customer data
Human Rights
GRI 3: 3-3 Management of material topics 511
Material topics 2021
Credit Portfolio with ESG Screening Criteria
GRI 3: 3-3 Management of material topics 492 - 494
Material topics 2021
Product and Service Development
GRI 3: 3-3 Management of material topics 513
Material topics 2021
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 553
Page 556
SUSTAINABILITY ACCOUNTING
STANDARDS BOARD (SASB)
INDEX FOR COMMERCIAL
BANKS
Code Metric Page
Sustainability Disclosure Topics & Metrics
Data Security
FN-CB-230a.1 (1) Number of data breaches, (2) percentage that are personal data breaches, (3) 516
number of account holders affected
FN-CB-230a.2 Description of approach to identifying and addressing data security risks 516
Financial Inclusion & Capacity Building
FN-CB-240a.1 (1) Number and (2) amount of loans outstanding that qualify for programmes 489, 501, 513
designed to promote small business and community development
Data
Corporate
FN-CB-240a.3 Number of no-cost retail checking accounts provided to previously unbanked or 513
underbanked customers
FN-CB-240a.4 Number of participants in financial literacy initiatives for unbanked, underbanked, 501
or underserved customers
Incorporation of Environmental, Social, and Governance Factors in Credit Analysis
FN-CB-410a.2 Description of approach to incorporation of environmental, social and 494 - 492
governance (ESG) factors in credit analysis
Financed Emissions
FN-CB-410b.1 Absolute gross financed emissions, disaggregated by (1) Scope-1, (2) Scope-2 497
and (3) Scope-3
FN-CB-410b.2 Gross exposure for each industry by asset class 498
FN-CB-410b.3 Percentage of gross exposure included in the financed emissions calculation 498
FN-CB-410b.4 Description of the methodology used to calculate financed emissions 498
Business Ethics
FN-CB-510a.1 Total amount of monetary losses as a result of legal proceedings associated with 422
fraud, insider trading, antitrust, anticompetitive behaviour, market manipulation,
malpractice, or other related financial industry laws or regulations
FN-CB-510a.2 Description of whistleblower policies and procedures 422
Systemic Risk Management
FN-CB-550a.1 Global Systemically Important Bank (GSIB) score, by category 481
FN-CB-550a.2 Description of approach to integrate results of mandatory and voluntary stress 492 - 493
tests into capital adequacy planning, long-term Corporate strategy, and other
business activities
554 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 557
INDONESIA STOCK EXCHANGE
ESG METRICS
Peformance Code Metric Page
Environment E-01 Greenhouse Gas Emission Report 497
E-02 Greenhouse Gas Emission Intensity 498
E-03 Electricity Energy Consumption 497
E-04 Water Consumption 499
E-05 Waste Generated 499
E-06 Company Commitment to Achieve Net Zero Emission Target 495
Data
Corporate
E-07 Company Commitment to reduce Greenhouse Gas Emissions 495
Social S-01 Gender Equality 507
S-02 Employees by Gender and Age Group 82
S-03 Employee Turnover Rate 479
S-04 Number of Temporary Employees 479
S-05 Employee Training and Development 506
S-06 Number of Work Accidents 510
S-07 Incidence of Human Rights Violations 511
S-08 Sexual Harassment and/or Non-discrimination Policy 506
S-09 Human Rights Policy 511
S-10 Child Labor and/or Forced Labor Policy 506
S-11 Policy on Occupational Health and Safety and Safe and Decent Working
510
Environment provided to All Employees
S-12 Corporate Social Responsibility 502
Governance G-01 Management Diversity and Independence 508
G-02 Total Attendance of Directors and Commissioners to Board Meetings 318, 357
G-03 Chairman of the Board and CEO Separation Policy 289, 306, 346
G-04 Board Appraisal Policy 318, 358
G-05 Board Training Policy 318, 359
G-06 Specific Board Election Criteria 310, 350
G-07 Code of Ethics and/or Anti-Corruption 418 - 419
G-08 Fair Treatment of Shareholders Policy 412
G-09 Prevention of Conflict of Interest 429
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 555
Page 558
Data Corporate 556 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 559
Data
Corporate
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 557
Page 560
Data Corporate 558 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 561
FEEDBACK SHEET
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Data
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09 FINANCIAL
STATEMENTS
PT Bank Danamon Indonesia Tbk
2025 Annual Report
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PT Bank Danamon Indonesia Tbk
dan Entitas Anak/and Subsidiary
Laporan keuangan konsolidasian
Tanggal 31 Desember 2025
dan untuk tahun yang berakhir pada tanggal tersebut
beserta laporan auditor independen/
Consolidated financial statements
As of 31 December 2025
and for the year ended with the independent auditor’s report
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Page 578
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN POSISI KEUANGAN KONSOLIDASIAN CONSOLIDATED STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2025 dan 2024 As of 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
ASET ASSETS
Kas 2b,2f,4 2.946.955 2.502.218 Cash
2b,2f, Current accounts with Bank
Giro pada Bank Indonesia 2h,5 7.690.446 6.382.075 Indonesia
Giro pada bank lain,
setelah dikurangi kerugian kredit Current accounts with other banks,
ekspektasian sebesar Rp273 net of expected credit losses of
pada tanggal 31 Desember 2025 2b,2f,2h, Rp273 as of 31 December 2025
(2024: Rp116) 2o,6 (2024: Rp116)
- Pihak berelasi 2ah,47 131.066 81.115 Related parties -
- Pihak ketiga 2.270.923 1.858.469 Third parties -
Penempatan pada bank lain dan
Bank Indonesia, setelah dikurangi Placements with other banks and
kerugian kredit ekspektasian Bank Indonesia,
sebesar Rp23 pada net of expected credit losses of
tanggal 31 Desember 2025 2b,2f,2i, Rp23 as of 31 December 2025
(2024: RpNihil) 2o,7 2.379.001 4.417.045 (2024: RpNil)
Efek-efek,
setelah dikurangi kerugian kredit Marketable securities,
ekspektasian sebesar Rp107.188 net of expected credit losses of
pada tanggal 31 Desember 2025 2f,2j, Rp107,188 as of 31 December
(2024: Rp225.130) 2o,8 2025 (2024: Rp225,130)
- Pihak berelasi 2ah,47 74.334 148.300 Related parties -
- Pihak ketiga 19.254.067 12.545.156 Third parties -
Obligasi Pemerintah 2f,2j,15 21.379.405 18.699.423 Government Bonds
Efek yang dibeli dengan janji Securities purchased under
dijual kembali 2f,2k,9 2.017.413 1.785.799 resale agreements
Tagihan derivatif 2f,2l,10 Derivative receivables
- Pihak berelasi 2ah,47 7.526 9.665 Related parties -
- Pihak ketiga 339.827 434.234 Third parties -
Pinjaman yang diberikan,
setelah dikurangi kerugian kredit Loans,
ekspektasian sebesar Rp7.383.046 net of expected credit losses of
pada tanggal 31 Desember 2025 2f,2m,2o, Rp7,383,046 as of 31 December
(2024: Rp7.514.253) 11 2025 (2024: Rp7,514,253)
- Pihak berelasi 2ah,47 574.694 1.235.901 Related parties -
- Pihak ketiga 165.802.581 147.460.841 Third parties -
Piutang pembiayaan konsumen,
setelah dikurangi kerugian kredit Consumer financing receivables,
ekspektasian sebesar Rp1.867.103 net of expected credit losses of
pada tanggal 31 Desember 2025 2f,2o,2q, Rp1,867,103 as of 31 December
(2024: Rp1.919.141) 12 32.032.442 31.591.729 2025 (2024: Rp1,919,141)
Piutang sewa pembiayaan,
setelah dikurangi kerugian kredit Finance lease receivables,
ekspektasian sebesar Rp117.711 net of expected credit losses of
pada tanggal 31 Desember 2025 2f,2o,2r, Rp117,711 as of 31 December
(2024: Rp74.454) 13 3.111.787 2.235.399 2025 (2024: Rp74,454)
Dipindahkan 260.012.467 231.387.369 Carried Forward
*) Disajikan kembali (Catatan 60) *) As restated (Note 60)
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang The accompanying notes to the consolidated financial statements form an
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. integral part of these consolidated financial statements taken as a whole.
LAMPIRAN – 1/1 – SCHEDULE
576 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 579
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN POSISI KEUANGAN KONSOLIDASIAN CONSOLIDATED STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2025 dan 2024 As of 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
Pindahan 260.012.467 231.387.369 Carried Forward
Tagihan akseptasi
setelah dikurangi kerugian kredit Acceptance receivables
ekspektasian sebesar Rp2.939 net of expected credit losses of
pada tanggal 31 Desember 2025 Rp2,939 as of 31 December
(2024: Rp6.470) 2f,2o,2v,14 2025 (2024: Rp6,470)
- Pihak berelasi 2ah,47 76.089 170.308 Related parties -
- Pihak ketiga 1.002.125 959.222 Third parties -
Pajak dibayar dimuka 2ac,27a 1.947.530 2.141.388 Prepaid taxes
Investasi dalam saham 2f,2n,16 Investments in shares
- Pihak berelasi 2ah,47 420.717 396.870 Related parties -
- Pihak ketiga 52.469 79.813 Third parties -
Investasi pada entitas asosiasi 2d,20 999.691 968.670 Investment in associate
Aset takberwujud,
setelah dikurangi akumulasi Intangible assets,
amortisasi sebesar Rp3.458.666 net of accumulated amortization
pada tanggal 31 Desember 2025 of Rp3,458,666 as of 31 December
(2024: Rp3.526.602) 2p,2s,17 1.899.836 2.010.824 2025 (2024: Rp3,526,602)
Aset tetap dan Aset hak guna,
setelah dikurangi akumulasi Fixed assets and Right-of-use assets,
penyusutan sebesar Rp3.683.473 net of accumulated depreciation
pada tanggal 31 Desember 2025 of Rp3,683,473 as of 31 December
(2024: Rp3.591.350) 2p,2t,18 2.693.370 2.690.562 2025 (2024: Rp3,591,350)
Aset pajak tangguhan - neto 2ac,27d 1.288.365 2.056.243 Deferred tax assets - net
Beban dibayar dimuka dan
aset lain-lain, setelah
dikurangi kerugian kredit Prepayments and other assets,
ekspektasian sebesar Rp28.630 net of expected credit losses of
pada tanggal 31 Desember 2025 2c,2f,2o,2p, Rp28,630 as of 31 December
(2024: Rp33.959) 2u,19 2025 (2024: Rp33,959)
- Pihak berelasi 2ah,47 98.654 89.253 Related parties -
- Pihak ketiga 5.223.054 5.016.870 Third parties -
JUMLAH ASET 275.714.367 247.967.392 TOTAL ASSETS
*) Disajikan kembali (Catatan 60) *) As restated (Note 60)
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang The accompanying notes to the consolidated financial statements form an
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. integral part of these consolidated financial statements taken as a whole.
LAMPIRAN – 1/2 – SCHEDULE
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Page 580
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN POSISI KEUANGAN KONSOLIDASIAN CONSOLIDATED STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2025 dan 2024 As of 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Simpanan nasabah 2f,2w,21 Deposits from customers
- Pihak berelasi 2ah,47 575.639 611.120 Related parties -
- Pihak ketiga 173.601.390 149.856.607 Third parties -
Simpanan dari bank lain 2f,2w,22 Deposits from other banks
- Pihak berelasi 2ah,47 100.297 98.299 Related parties -
- Pihak ketiga 8.021.472 4.106.450 Third parties -
Utang akseptasi 2f,2v,23 Acceptance payables
- Pihak berelasi 2ah,47 24.981 41.069 Related parties -
- Pihak ketiga 1.056.172 1.094.931 Third parties -
Efek yang dijual dengan janji Securities sold under
dibeli kembali 2k,9 2.283.430 4.718.889 repurchase agreements
Utang obligasi 2f,2aa,24 Bonds payable
- Pihak berelasi 2ah,47 110.000 110.000 Related parties -
- Pihak ketiga 8.412.975 6.197.230 Third parties -
Sukuk mudharabah 2f,2ab,25 Mudharabah bonds
- Pihak berelasi 2ah,47 30.000 30.000 Related parties -
- Pihak ketiga 1.613.850 1.198.330 Third parties -
Pinjaman yang diterima 2f,26 Borrowings
- Pihak berelasi 2ah,47 4.647.677 5.600.836 Related parties -
- Pihak ketiga 4.554.416 6.772.108 Third parties -
Utang pajak 2ac,27b 266.898 368.388 Taxes payable
Liabilitas derivatif 2f,2l,10 Derivative liabilities
- Pihak berelasi 2ah,47 51.157 11.941 Related parties -
- Pihak ketiga 996.790 664.428 Third parties -
Pinjaman subordinasi 2f,2ah,2ai,28,47 25.000 25.000 Subordinated loan
Beban yang masih harus 2c,2f
dibayar dan liabilitas lain-lain 2ad,29 Accruals and other liabilities
- Pihak berelasi 2ah,47 1.305.680 1.320.189 Related parties -
- Pihak ketiga 10.024.474 10.322.733 Third parties -
JUMLAH LIABILITAS 217.702.298 193.148.548 TOTAL LIABILITIES
*) Disajikan kembali (Catatan 60) *) As restated (Note 60)
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang The accompanying notes to the consolidated financial statements form an
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. integral part of these consolidated financial statements taken as a whole.
LAMPIRAN – 1/3 – SCHEDULE
578 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 581
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN POSISI KEUANGAN KONSOLIDASIAN CONSOLIDATED STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2025 dan 2024 As of 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity
kepada pemilik entitas induk holders of the parent entity
Modal saham - nilai nominal sebesar Share capital - par value per share
Rp50.000 (nilai penuh) per saham of Rp50,000 (full amount) for
untuk seri A dan Rp500 (nilai penuh) A series shares and Rp500 (full
per saham untuk seri B amount) for B series shares
Modal dasar - 22.400.000 saham Authorized - 22,400,000 A series
seri A dan 17.760.000.000 shares and 17,760,000,000
saham seri B B series shares
Modal ditempatkan dan disetor Issued and fully paid -
penuh - 22.400.000 saham seri A 22,400,000 A series shares and
dan 9.751.152.870 saham seri B 30 5.995.577 5.995.577 9,751,152,870 B series shares
Tambahan modal disetor 2af,31 7.915.481 7.985.971 Additional paid-up capital
Modal disetor lainnya 189 189 Other paid-up capital
Komponen ekuitas lainnya 2d,2j,2l 434.237 (114.504) Other equity components
Ekuitas merging entity - 2.247.958 Merging entity equity
Saldo laba Retained earnings
- Sudah ditentukan penggunaannya 33 595.680 563.887 Appropriated -
- Belum ditentukan penggunaannya 2ad 39.328.326 36.636.512 Unappropriated -
Jumlah saldo laba 39.924.006 37.200.399 Total retained earnings
54.269.490 53.315.590
Kepentingan non-pengendali 2d,48 3.742.579 1.503.254 Non-controlling interests
JUMLAH EKUITAS 58.012.069 54.818.844 TOTAL EQUITY
JUMLAH LIABILITAS DAN TOTAL LIABILITIES AND
EKUITAS 275.714.367 247.967.392 EQUITY
*) Disajikan kembali (Catatan 60) *) As restated (Note 60)
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang The accompanying notes to the consolidated financial statements form an
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. integral part of these consolidated financial statements taken as a whole.
LAMPIRAN – 1/4 – SCHEDULE
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Page 582
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENTS OF PROFIT OR LOSS
KOMPREHENSIF LAIN KONSOLIDASIAN AND OTHER COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir pada For the Years Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
PENDAPATAN DAN BEBAN OPERATING INCOME AND
OPERASIONAL EXPENSES
Pendapatan bunga 2x,2ah,34,47 25.940.773 24.497.523 Interest income
Beban bunga 2x,2ah,35,47 (8.017.019) (7.341.603) Interest expense
Pendapatan bunga neto 17.923.754 17.155.920 Net interest income
PENDAPATAN OPERASIONAL
LAINNYA OTHER OPERATING INCOME
Pendapatan provisi dan komisi 2y 1.570.304 1.501.632 Fees and commission income
Imbalan jasa lain 2y, 37,47 2.396.479 2.488.035 Other fees
Kerugian dari perubahan nilai wajar
atas instrumen keuangan yang Losses from changes in fair
diukur pada nilai wajar melalui 2j,2l,2z,8, value of financial instruments at fair
laba rugi - neto 10,15a,38 (7.961) (19.821) value through profit or loss - net
Keuntungan/(kerugian) yang telah
direalisasi atas instrumen Realized gains/(losses) from
derivatif - neto 15.449 (44.690) derivative instruments - net
Keuntungan atas transaksi dalam Gains from foreign exchange
mata uang asing - neto 326.506 381.441 transactions - net
Pendapatan dividen 1.890 4.294 Dividend income
Bagian laba bersih entitas asosiasi 35.003 32.686 Share in net income of associate
Keuntungan penjualan efek-efek Gains on sale of marketable securities
dan Obligasi Pemerintah - neto 2j,8a,15a 717.577 321.312 and Government Bonds - net
5.055.247 4.664.889
BEBAN OPERASIONAL
LAINNYA OTHER OPERATING EXPENSES
Beban provisi dan komisi lain 2y (462.014) (394.287) Other fees and commissions expenses
Beban umum dan administrasi 2c,2s,2t,39 (5.243.684) (4.965.102) General and administrative expenses
Beban tenaga kerja dan 2ad,2ah,
tunjangan 40,47 (7.293.041) (6.822.421) Salaries and employee benefits
Kerugian penurunan nilai pada 2o,6,7,8,11,
aset keuangan neto 12,13,14 (4.347.592) (4.854.858) Net Impairment losses on financial assets
Lain-lain (174.468) (21.324) Others
(17.520.799) (17.057.992)
PENDAPATAN OPERASIONAL
NETO 5.458.202 4.762.817 NET OPERATING INCOME
PENDAPATAN DAN BEBAN NON-OPERATING
BUKAN OPERASIONAL INCOME AND EXPENSES
Pendapatan bukan operasional 41 75.609 118.676 Non-operating income
Beban bukan operasional 42 (147.158) (163.854) Non-operating expenses
BEBAN BUKAN NET NON-OPERATING
OPERASIONAL NETO (71.549) (45.178) EXPENSES
LABA SEBELUM PAJAK
PENGHASILAN 5.386.653 4.717.639 INCOME BEFORE INCOME TAX
BEBAN PAJAK PENGHASILAN 2ac,27c (1.192.416) (1.022.635) INCOME TAX EXPENSE
LABA BERSIH 4.194.237 3.695.004 NET INCOME
*) Disajikan kembali (Catatan 60) *) As restated (Note 60)
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang The accompanying notes to the consolidated financial statements form an integral
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. part of these consolidated financial statements taken as a whole.
LAMPIRAN – 2/1 – SCHEDULE
580 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 583
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENTS OF PROFIT OR LOSS
KOMPREHENSIF LAIN KONSOLIDASIAN AND OTHER COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir pada For the Years Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
PENGHASILAN KOMPREHENSIF
LAIN OTHER COMPREHENSIVE INCOME
Pos-pos yang tidak akan Items that will not be reclassified to
direklasifikasi ke laba rugi profit or loss
Pengukuran kembali atas liabilitas Remeasurement of post employment
imbalan pasca kerja (3.124) (7.822) benefit obligation
Pajak penghasilan terkait dengan
pengukuran kembali atas liabilitas Income tax related to remeasurement of
imbalan pasca kerja 27d 1.613 1.721 post employment benefit obligation
Pengukuran kembali atas liabilitas Remeasurement of post
imbalan pasca kerja dari entitas employment benefit obligation from
asosiasi - neto (1.107) 231 associate - net
Perubahan nilai wajar pada investasi
dalam saham yang diukur pada Changes in fair value of investment in
FVOCI - neto 2n,16 1.896 (10.721) shares measured at FVOCI - net
Pos-pos yang akan Items that will be reclassified to
direklasifikasi ke laba rugi profit or loss
Aset keuangan diukur pada nilai
wajar melalui penghasilan
komprehensif lain: Financial assets measured at fair value
Perubahan nilai wajar pada 2j, through other comprehensive income:
tahun berjalan 8e,15d 876.817 (121.563) Changes in fair value in current year
Kerugian penurunan nilai 102 (6) Impairment losses
Jumlah yang ditransfer ke laba rugi Amount transferred to
sehubungan dengan perubahan profit or loss in respect of
nilai wajar 8e,15d (167.023) (12.013) fair value changes
Perubahan nilai wajar pada Changes in fair value of
lindung nilai arus kas 2l,10 (52.371) (13.618) cashflow hedge
Pajak penghasilan terkait dengan Income tax related to
penghasilan komprehensif lain 27d (144.633) 32.383 other comprehensive income
Aset keuangan diukur pada nilai
wajar melalui penghasilan Financial assets measured at fair value
komprehensif lain dari entitas through other comprehensive
asosiasi - neto 28.503 (7.487) income from associate - net
Penghasilan komprehensif lain, Other comprehensive income,
setelah pajak 540.673 (138.895) net of tax
JUMLAH LABA KOMPREHENSIF 4.734.910 3.556.109 TOTAL COMPREHENSIVE INCOME
Laba bersih yang dapat
diatribusikan kepada: Net income attributable to:
Pemilik entitas induk 45 3.970.711 3.482.828 Equity holders of the parent entity
Kepentingan non-pengendali 48 223.526 212.176 Non-controlling interests
4.194.237 3.695.004
Jumlah laba komprehensif yang Total comprehensive income
dapat diatribusikan kepada: attributable to:
Pemilik entitas induk 4.504.070 3.347.627 Equity holders of the parent entity
Kepentingan non-pengendali 48 230.840 208.482 Non-controlling interests
4.734.910 3.556.109
LABA BERSIH PER SAHAM DASAR BASIC EARNINGS PER SHARE
YANG DAPAT DIATRIBUSIKAN ATTRIBUTABLE TO EQUITY
KEPADA PEMILIK ENTITAS HOLDERS OF THE PARENT
INDUK (NILAI PENUH) 2ae,45 406,27 356,35 ENTITY (FULL AMOUNT)
*) Disajikan kembali (Catatan 60) *) As restated (Note 60)
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak The accompanying notes to the consolidated financial statements form an
terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. integral part of these consolidated financial statements taken as a whole.
LAMPIRAN – 2/2 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 581
Page 584
582
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-tahun yang Berakhir pada For the Years Ended
31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Atribusi kepada pemilik entitas induk/Attributable to equity holders of the parent entity
Komponen ekuitas lainnya/
Other equity components
Perubahan nilai wajar
atas Efek-efek,
Obligasi Pemerintah,
dan Investasi dalam
saham yang diukur
pada nilai wajar melalui
penghasilan Saldo laba/
komprehensif lain- Retained earnings
neto/Changes in fair
value on Marketable Perubahan nilai
securities, Government wajar atas
Tambahan Perubahan Bonds, and lindung nilai Jumlah sebelum Kepentingan
modal Modal ekuitas entitas Investments in shares arus kas-neto/ kepentingan non-
PT Bank Danamon Indonesia Tbk | 2025 Annual Report
disetor/ disetor asosiasi/ measured at fair value Changes in fair Sudah Ekuitas non-pengendali/ pengendali/
Additional lainnya/ Changes of through other value of ditentukan Belum ditentukan merging Total before Non- Jumlah
Catatan/ Modal saham/ paid-up Other paid- associate comprehensive cashflow penggunaannya/ penggunaan-nya/ entity/Merging non-controlling controlling ekuitas/
Notes Share capital capital up capital equity income-net hedge-net Appropriated Unappro-priated*) entity equity interest interest Total equity
Saldo pada tanggal 1 Januari 2025**) 5.995.577 7.985.971 189 8.242 (112.277) (10.469) 563.887 36.636.512 2.247.958 53.315.590 1.503.254 54.818.844 Balance as of 1 January 2025**)
Laba bersih tahun berjalan 48 - 115.053 - - - - - 3.855.658 - 3.970.711 223.526 4.194.237 Net income for the year
Penghasilan komprehensif lain, Other comprehensive
setelah pajak income, net of tax
Perubahan nilai wajar atas Changes in fair value of
lindung nilai arus kas-neto 2I,48 - - - - - (28.748) - - - (28.748) (12.101) (40.849) cashflow hedge-net
Pengukuran kembali liabilitas imbalan Remeasurement of obligation
pasca kerja 48 - 3.950 - - - - - (19.332) - (15.382) 12.764 (2.618) for post-employment benefits
Pengukuran kembali atas kontrak asuransi Remeasurement of insurance
PSAK 117 - - - (490) - - - - - (490) - (490) contract under PSAK 117
Perubahan nilai wajar atas Changes in fair value on Marketable
Efek-efek, Obligasi Pemerintah, dan securities, Government Bonds,
Investasi dalam saham yang diukur pada and Investments in shares
nilai wajar melalui penghasilan measured at fair value through
komprehensif lain - neto 2j - - - - 577.979 - - - - 577.979 6.651 584.630 other comprehensive income -net
Total other comprehensive
Jumlah penghasilan komprehensif lain - 3.950 - (490) 577.979 (28.748) - (19.332) - 533.359 7.314 540.673 income
Jumlah laba komprehensif Total comprehensive income
tahun berjalan - 119.003 - (490) 577.979 (28.748) - 3.836.326 - 4.504.070 230.840 4.734.910 for the year
Dampak dari penggabungan usaha
Entitas Anak - (189.493) - - - - - - (2.247.958) (2.437.451) 2.064.233 (373.218) Impact from merger of Subsidiary
Pembentukan cadangan umum Appropriation for general
dan wajib 32 - - - - - - 31.793 (31.793) - - - - and legal reserve
Pembagian dividen tunai 2ag,32,48 - - - - - - - (1.112.719) - (1.112.719) (55.748) (1.168.467) Distribution of cash dividends
Saldo pada tanggal 31 Desember 2025 5.995.577 7.915.481 189 7.752 465.702 (39.217) 595.680 39.328.326 - 54.269.490 3.742.579 58.012.069 Balance as of 31 December 2025
*) Saldo laba yang tidak ditentukan penggunaannya termasuk pengukuran kembali atas liabilitas imbalan pasca kerja *) Unappropriated retained earnings include remeasurement of obligation for post-employment benefits
**)Disajikan kembali **)As restated
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial
konsolidasian secara keseluruhan. statements taken as a whole.
LAMPIRAN – 3/1 – SCHEDULE
Page 585
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-tahun yang Berakhir pada For the Years Ended
31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Atribusi kepada pemilik entitas induk/Attributable to equity holders of the parent entity
Komponen ekuitas lainnya/
Other equity components
Perubahan nilai wajar
atas Efek-efek,
Obligasi Pemerintah,
dan Investasi dalam
saham yang diukur
pada nilai wajar melalui
penghasilan Saldo laba/
komprehensif lain- Retained earnings
neto/Changes in fair
value on Marketable Perubahan nilai
securities, Government wajar atas
Tambahan Perubahan Bonds, and lindung nilai Jumlah sebelum Kepentingan
modal Modal ekuitas entitas Investments in shares arus kas-neto/ kepentingan non-
disetor/ disetor asosiasi/ measured at fair value Changes in fair Sudah Ekuitas non-pengendali/ pengendali/
Additional lainnya/ Changes of through other value of ditentukan Belum ditentukan merging Total before Non- Jumlah
Catatan/ Modal saham/ paid-up Other paid- associate comprehensive cashflow penggunaannya/ penggunaan-nya/ entity/Merging non-controlling controlling ekuitas/
Notes Share capital capital up capital equity income-net hedge-net Appropriated Unappro-priated*) entity equity**) interest interest Total equity
Saldo pada tanggal 1 Januari 2024 5.995.577 7.985.971 189 8.242 10.886 (689) 528.848 34.707.593 - 49.236.617 722.751 49.959.368 Balance as of 1 January 2024
Dampak dari penggabungan usaha
Entitas Anak 48 - - - - - - - - 1.957.731 1.957.731 649.101 2.606.832 Impact from merger of Subsidiary
Laba bersih tahun berjalan 48 - - - - - - - 3.179.335 303.493 3.482.828 212.176 3.695.004 Net income for the year
Penghasilan komprehensif lain, Other comprehensive
setelah pajak income, net of tax
Perubahan nilai wajar atas Changes in fair value of
lindung nilai arus kas-neto 2I,48 - - - - - (9.780) - - - (9.780) (842) (10.622) cashflow hedge-net
Pengukuran kembali liabilitas imbalan Remeasurement of obligation
pasca kerja 48 - - - - - - - 11.008 (13.266) (2.258) (3.612) (5.870) for post-employment benefit
Perubahan nilai wajar atas Changes in fair value on Marketable
Efek-efek, Obligasi Pemerintah, dan securities, Government Bonds, and
Investasi dalam saham yang diukur pada Investments in shares measured at
nilai wajar melalui penghasilan fair value through other
komprehensif lain - neto 2j - - - - (123.163) - - - - (123.163) 760 (122.403) comprehensive income - net
Total other comprehensive
Jumlah penghasilan komprehensif lain - - - - (123.163) (9.780) - 11.008 (13.266) (135.201) (3.694) (138.895) income
Jumlah laba komprehensif Total comprehensive income
tahun berjalan - - - - (123.163) (9.780) - 3.190.343 290.227 3.347.627 208.482 3.556.109 for the year
Pembentukan cadangan umum Appropriation for general
dan wajib 32 - - - - - - 35.039 (35.039) - - - - and legal reserve
Pembagian dividen tunai 2ag,32,48 - - - - - - - (1.226.385) - (1.226.385) (77.080) (1.303.465) Distribution of cash dividends
Saldo pada tanggal 31 Desember 2024**) 5.995.577 7.985.971 189 8.242 (112.277) (10.469) 563.887 36.636.512 2.247.958 53.315.590 1.503.254 54.818.844 Balance as of 31 December 2024**)
*) Saldo laba yang tidak ditentukan penggunaannya termasuk pengukuran kembali atas liabilitas imbalan pasca kerja *) Unappropriated retained earnings include remeasurement of obligation for post-employment benefits
**)Disajikan kembali **)As restated
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial
konsolidasian secara keseluruhan. statements taken as a whole.
PT Bank Danamon Indonesia Tbk | 2025 Annual Report
LAMPIRAN – 3/2 – SCHEDULE
583
Page 586
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY CONSOLIDATED
LAPORAN ARUS KAS KONSOLIDASIAN STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir pada For the Years Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
Arus kas dari kegiatan operasi: Cash flows from operating activities:
Pendapatan bunga, provisi, dan komisi 12.664.667 11.568.517 Interest income, fees, and commissions
Penerimaan dari transaksi pembiayaan konsumen 54.190.389 51.676.828 Receipts from consumer financing transactions
Pengeluaran untuk transaksi pembiayaan Payments for new consumer financing
konsumen baru (44.211.073) (41.874.885) transactions
Pembayaran bunga, provisi, dan komisi (7.854.220) (7.082.117) Payments of interest, fees and commissions
Pembayaran bunga dari efek yang diterbitkan (581.959) (503.932) Payments of interests on securities issued
Penerimaan dalam rangka pembiayaan bersama 17.125.475 17.383.114 Proceeds in relation to joint financing
Pengeluaran dalam rangka pembiayaan bersama (15.242.847) (15.195.132) Repayment in relation to joint financing
Pendapatan operasional lainnya 2.620.314 1.909.752 Other operating income
Keuntungan atas transaksi Gains from foreign exchange
mata uang asing - neto 526.770 434.867 transactions - net
Beban operasional lainnya (10.705.432) (10.375.384) Other operating expenses
Beban bukan operasional - neto (60.530) (75.576) Non-operating expense - net
Arus kas sebelum perubahan dalam aset dan Cash flows before changes in operating
liabilitas operasi 8.471.554 7.866.052 assets and liabilities
Perubahan dalam aset dan liabilitas operasi: Changes in operating assets and liabilities:
Penurunan/(kenaikan) aset operasi: Decrease/(increase) in operating assets:
Efek-efek dan Obligasi Pemerintah - Marketable securities and Government
diperdagangkan (901.809) (3.005.585) Bonds - trading
Efek yang dibeli dengan janji dijual kembali (231.614) 598.647 Securities purchased under resale agreements
Pinjaman yang diberikan (21.058.377) (16.606.592) Loans
Beban dibayar dimuka dan aset lain-lain 278.698 292.384 Prepayments and other assets
Kenaikan/(penurunan) liabilitas operasi: Increase/(decrease) in operating liabilities:
Simpanan nasabah: Deposits from customers:
- Giro 7.665.516 (7.761.777) Current accounts -
- Tabungan 3.341.936 (2.072.785) Savings -
- Deposito berjangka 11.863.255 21.318.949 Time deposits -
Simpanan dari bank lain 3.902.696 907.050 Deposits from other banks
Beban yang masih harus dibayar dan liabilitas
lain-lain (252.393) (707.370) Accruals and other liabilities
Pembayaran pajak penghasilan selama tahun
berjalan (736.542) (1.087.636) Income tax paid during the year
Kas neto diperoleh dari/(digunakan untuk) Net cash provided from/
kegiatan operasi 12.342.920 (258.663) (used by) operating activities
*) Disajikan kembali *) As restated
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang The accompanying notes to the consolidated financial statements form an integral
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. part of these consolidated financial statements taken as a whole.
LAMPIRAN – 4/1 – SCHEDULE
584 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 587
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY CONSOLIDATED
LAPORAN ARUS KAS KONSOLIDASIAN STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir pada For the Years Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Catatan/
Notes 2025 2024*)
Arus kas dari kegiatan investasi: Cash flows from investing activities:
Penerimaan dari efek-efek dan Obligasi
Pemerintah yang dijual dan telah jatuh Proceeds from sales of and matured
tempo - biaya perolehan diamortisasi dan marketable securities and Government Bonds -
nilai wajar melalui penghasilan amortized cost and fair value through other
komprehensif lain 46.204.487 24.646.949 comprehensive income
Pembelian efek-efek dan Obligasi Pemerintah - Acquisition of marketable securities and
biaya perolehan diamortisasi dan nilai wajar Government Bonds - amortized cost and fair
melalui penghasilan komprehensif lain (53.351.201) (32.378.922) value through other comprehensive income
Acquisition of fixed assets and intangible
Perolehan aset tetap dan aset takberwujud 17,18,56 (637.098) (893.930) assets
Hasil penjualan aset tetap 18 29.399 60.907 Proceeds from sale of fixed assets
Penerimaan hasil investasi 48.170 12.802 Receipt from investment
Pembelian investasi pada entitas asosiasi - (881.033) Acquisition of investment in associate
Penyesuaian nilai/(pembelian) Adjustment to value/(acquisition) of
investasi dalam saham 16 2.021 (18.217) investment in shares
Penerimaan dividen kas 1.890 4.294 Receipt of cash dividends
Kas neto digunakan untuk kegiatan investasi (7.702.332) (9.447.150) Net cash used by Investing activities
Arus kas dari kegiatan pendanaan: Cash flows from financing activities:
Pembayaran pokok efek yang dijual dengan janji Payments of principal on securities sold
dibeli kembali (324.800.958) (102.858.211) under repurchase agreements
Penerimaan dari efek yang dijual dengan janji Proceeds from securities sold
dibeli kembali 322.365.499 107.577.100 under repurchase agreements
Pembayaran pokok obligasi dan sukuk Payments of principal on bonds issued and
mudharabah (3.278.684) (4.333.310) mudharabah bonds
Penerimaan dari penerbitan obligasi dan sukuk Proceeds from bonds issuance mudharabah
mudharabah 5.897.461 3.968.422 bonds
Pembayaran dividen tunai (1.168.521) (1.303.458) Payments of cash dividends
Pembayaran pinjaman (14.142.682) (14.900.976) Repayments of borrowings
Penerimaan pinjaman 10.858.275 17.471.024 Proceeds from borrowings
Saham treasuri Entitas Anak (93.749) - Treasury shares of the Subsidiary
Penurunan pokok liabilitas sewa (165.883) (146.135) Decrease in principal of lease liabilities
Kas neto (digunakan untuk)/diperoleh dari Net cash (used by)/provided from
kegiatan pendanaan (4.529.242) 5.474.456 financing activities
Kenaikan/(penurunan) kas dan setara kas - Increase/(decrease) in cash and cash
neto 111.346 (4.231.357) equivalent - net
Efek Merging Entity - 898.768 Merging entity effect
Dampak neto perubahan nilai tukar atas kas dan Net effect on changes in exchange rates on
setara kas 66.364 10.825 cash and cash equivalents
Cash and cash equivalents at
Kas dan setara kas pada awal tahun 15.241.038 18.562.802 beginning of the year
Cash and cash equivalents at
Kas dan setara kas pada akhir tahun 15.418.748 15.241.038 end of the year
Kas dan setara kas terdiri dari: Cash and cash equivalents consist of:
Kas 4 2.946.955 2.502.218 Cash
Giro pada Bank Indonesia 5 7.690.446 6.382.075 Current accounts with Bank Indonesia
Giro pada bank lain 6 2.402.323 1.939.700 Current accounts with other banks
Penempatan pada bank lain dan Bank Indonesia Placements with other banks and Bank
- jatuh tempo sampai dengan Indonesia - maturing within 3 months
3 bulan sejak tanggal perolehan 7 2.379.024 4.417.045 from the date of acquisition
Jumlah kas dan setara kas 15.418.748 15.241.038 Total cash and cash equivalents
*) Disajikan kembali *) As restated
Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang The accompanying notes to the consolidated financial statements form an integral part
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan. of these consolidated financial statements taken as a whole.
LAMPIRAN – 4/2 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 585
Page 588
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM 1. GENERAL
a. Pendirian dan informasi umum Bank a. Establishment and general information of the
Bank
PT Bank Danamon Indonesia Tbk (“Bank”), PT Bank Danamon Indonesia Tbk (the “Bank”),
berkedudukan di Jakarta Selatan, didirikan pada domiciled in South Jakarta, was established on
tanggal 16 Juli 1956 berdasarkan akta notaris 16 July 1956 based on the notarial deed No.134 of
Meester Raden Soedja, S.H. No.134. Akta pendirian Meester Raden Soedja, S.H. The deed of
ini disahkan oleh Menteri Kehakiman Republik establishment was ratified by the Minister of Justice
Indonesia dengan Surat Keputusan No.J.A.5/40/8 of the Republic of Indonesia in its decision letter
tanggal 24 April 1957 dan telah diumumkan dalam No.J.A.5/40/8 dated 24 April 1957 and was
Tambahan Berita Negara RI No.664, pada Berita published in Supplement to State Gazette RI
Negara Republik Indonesia No.46 tanggal 7 Juni No.664 to the State Gazette of the Republic of
1957. Indonesia No.46 dated 7 June 1957.
Bank memperoleh izin usaha sebagai Bank umum, The Bank obtained a license as a commercial
Bank devisa, dan Bank yang melakukan kegiatan bank, a foreign exchange Bank, and a Bank
berdasarkan prinsip Syariah masing-masing engaged in activities based on Sharia principles
berdasarkan surat keputusan Menteri Keuangan based on the decision letter No.161259/U.M.II of
No.161259/U.M.II tanggal 30 September 1958, surat the Minister of Finance dated 30 September 1958,
keputusan Direksi Bank Indonesia (“BI”) the decision letter No.21/10/Dir/UPPS of the Board
No.21/10/Dir/UPPS tanggal 5 November 1988 dan of Directors of Bank Indonesia (“BI”) dated
Surat Direktorat Perizinan dan Informasi Perbankan 5 November 1988 and the letter of the Directorate
No.3/744/DPIP/Prz tanggal 31 Desember 2001. of Licensing and Banking Information
No.3/744/DPIP/Prz dated 31 December 2001,
respectively.
Anggaran Dasar Bank telah mengalami beberapa The Bank’s Articles of Association has been
kali perubahan. Perubahan terakhir dilakukan amended several times. The latest amendment
sehubungan dengan perubahan beberapa pasal related to changes on several articles in the Articles
dalam Anggaran Dasar Bank yang dituangkan dalam of Association of the Bank as stated in notarial
Akta No.122 tanggal 21 Maret 2025, yang dibuat di deed No.122 dated 21 March 2025, made before
hadapan Mala Mukti, Sarjana Hukum, Lex Legibus Mala Mukti, Bachelor of Law, Lex Legibus Master,
Magister, Notaris di Jakarta, dimana penerimaan Notary in Jakarta, whereby the receipt of
pemberitahuan perubahan Anggaran Dasar telah notification of amendments to the Articles of
diterima serta dicatat di dalam Sistem Administrasi Association had been received and registered in
Badan Hukum Kementerian Hukum Republik the Legal Entity Administrative System of the
Indonesia No.AHU-AH.01.03-0098123 tanggal Ministry of Law of the Republic of Indonesia
10 April 2025. No.AHU-AH.01.03-0098123 dated 10 April 2025.
Sesuai dengan pasal 3 Anggaran Dasar Bank, ruang According to article 3 of the Bank’s Articles of
lingkup kegiatan Bank adalah menjalankan kegiatan Association, the Bank’s scope of activities is to
usaha di bidang perbankan sesuai dengan undang- engage in general banking services in accordance
undang dan peraturan yang berlaku, dan melakukan with prevailing laws and regulations, and to engage in
kegiatan perbankan lainnya berdasarkan prinsip other banking activities based on Sharia principles.
Syariah. Bank mulai melakukan kegiatan berdasarkan The Bank started its activities based on the Sharia
prinsip Syariah tersebut sejak tahun 2002. principles since 2002.
Kantor pusat Bank berlokasi di Menara Bank The Bank’s head office address is at Menara Bank
Danamon, Jalan HR. Rasuna Said Blok C No.10, Danamon, Jalan HR. Rasuna Said Blok C No.10,
Kelurahan Karet, Kecamatan Setiabudi, Jakarta Kelurahan Karet, Kecamatan Setiabudi, Jakarta
Selatan. Selatan.
LAMPIRAN – 5/1 – SCHEDULE
586 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 589
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian dan informasi umum Bank (lanjutan) a. Establishment and general information of the
Bank (continued)
Pada tanggal 31 Desember 2025, Bank mempunyai As of 31 December 2025, the Bank had the
cabang-cabang dan kantor-kantor pembantu following branches and representative offices:
sebagai berikut:
Jumlah/Total*
Kantor cabang utama konvensional 41 Conventional main branches
Kantor cabang pembantu konvensional dan Conventional sub-branches
Kantor Fungsional 301 and Functional branches
Kantor cabang utama dan kantor cabang Sharia branches and
pembantu Syariah 14 sub-branches
*sesuai ijin BI/OJK *as approved by BI/OJK
Seluruh kantor cabang, kantor cabang pembantu, The conventional and Sharia branches and sub-
dan kantor cabang Syariah berlokasi di berbagai branches are located in various major business
pusat bisnis yang tersebar di seluruh Indonesia. centers throughout Indonesia.
Untuk memenuhi peraturan OJK No.30 Tahun 2024 In order to comply with POJK No.30 Year 2024
tanggal 23 Desember 2024 tentang Konglomerasi dated 23 December 2024 concerning Financial
Keuangan dan Perusahaan Induk Konglomerasi Conglomerates and Financial Conglomerate
Keuangan, maka pada tanggal 25 April 2025, MUFG Holding Companies, on 25 April 2025 MUFG Bank
Bank Ltd. Jepang sebagai Pemegang Saham Ltd. Japan as the Controlling Shareholders of
Pengendali Konglomerasi Keuangan Grup MUFG di Financial Conglomerate of MUFG Group in
Indonesia telah menunjuk Bank untuk bertindak Indonesia has appointed Bank as Operational
sebagai Perusahaan Induk Konglomerasi Keuangan Financial Holding Company (“PIKK”) of Financial
(“PIKK”) Operasional Konglomerasi Keuangan Grup Conglomerate of MUFG Group in Indonesia and
MUFG di Indonesia dan telah mendapatkan has received an approval from OJK dated 24 June
persetujuan OJK pada tanggal 24 Juni 2025. 2025.
b. Penawaran umum saham Bank b. Public offering of the Bank’s shares
Pada tanggal 8 Desember 1989, berdasarkan Izin On 8 December 1989, based on the license from
Menteri Keuangan No.SI-066/SHM/MK.10/1989 the Minister of Finance No.SI
tertanggal 24 Oktober 1989, Bank melakukan 066/SHM/MK.10/1989 dated 24 October 1989, the
Penawaran Umum Perdana atas 12.000.000 saham Bank undertook an Initial Public Offering (IPO) of
dengan nilai nominal Rp1.000 per saham (nilai 12,000,000 shares with par value of Rp1,000 per
penuh). Pada tanggal 8 Desember 1989, seluruh share (full amount). On 8 December 1989, these
saham ini telah dicatatkan di Bursa Efek Jakarta shares were listed at the Jakarta Stock Exchange
(sekarang bernama Bursa Efek Indonesia setelah (known as Indonesia Stock Exchange, after being
digabungkan dengan Bursa Efek Surabaya). merged with the Surabaya Stock Exchange).
Setelah itu, Bank melakukan penambahan jumlah Subsequently, the Bank increased its listed shares
saham-saham terdaftar melalui saham bonus, through bonus shares, Limited Public Offerings
Penawaran Umum Terbatas dengan Hak Memesan with Pre-emptive Rights (Rights Issue) I, II, III, IV,
Efek Terlebih Dahulu (Rights Issue) I, II, III, IV, dan and V and through Employee/Management Stock
V dan dalam rangka Program Kompensasi Option Program (“E/MSOP”).
Karyawan/Manajemen Berbasis Saham
(“E/MSOP”).
Bank menerima Surat Pemberitahuan Efektif The Bank received Effective Letter
No.S-2196/PM/1993 dari Badan Pengawasan Pasar No.S-2196/PM/1993 from Capital Market and
Modal dan Lembaga Keuangan (“Bapepam - LK”), Financial Institution Supervisory Board (“Bapepam
dahulu bernama Badan Pengawas Pasar Modal - LK”), previously Capital Market Supervisory
(“Bapepam”), sehubungan dengan Penawaran Board (“Bapepam”), in conjunction with Limited
Umum Terbatas I dengan Hak Memesan Efek Public Offering I with Pre-emptive Rights on
Terlebih Dahulu pada tanggal 24 Desember 1993. 24 December 1993.
LAMPIRAN – 5/2 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 587
Page 590
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran umum saham Bank (lanjutan) b. Public offering of the Bank’s shares
(continued)
Bank menerima Surat Pemberitahuan Efektif The Bank received Effective Letter
No.S-608/PM/1996 dari Bapepam - LK, sehubungan No.S-608/PM/1996 from Bapepam - LK, in
dengan Penawaran Umum Terbatas II dengan Hak conjunction with Limited Public Offering II with Pre-
Memesan Efek Terlebih Dahulu pada tanggal emptive Rights on 29 April 1996.
29 April 1996.
Bank menerima Surat Pemberitahuan Efektif The Bank received Effective Letter
No.S-429/PM/1999 dari Bapepam - LK, sehubungan No.S-429/PM/1999 from Bapepam - LK, in
dengan Penawaran Umum Terbatas III dengan Hak conjunction with Limited Public Offering III with
Memesan Efek Terlebih Dahulu pada tanggal Pre-emptive Rights on 29 March 1999.
29 Maret 1999.
Bank menerima Surat Pemberitahuan Efektif The Bank received Effective Letter
No.S-2093/BL/2009 dari Bapepam - LK sehubungan No.S-2093/BL/2009 from Bapepam - LK in
dengan Penawaran Umum Terbatas IV dengan Hak conjunction with Limited Public Offering IV with
Memesan Efek Terlebih Dahulu pada tanggal Pre-emptive Rights on 20 March 2009.
20 Maret 2009.
Bank menerima Surat Pemberitahuan Efektif The Bank received Effective Letter
No.S-9534/BL/2011 dari Bapepam - LK sehubungan No.S-9534/BL/2011 from Bapepam - LK in
dengan Penawaran Umum Terbatas V dengan Hak conjunction with Limited Public Offering V with Pre-
Memesan Efek Terlebih Dahulu pada tanggal emptive Rights on 24 August 2011.
24 Agustus 2011.
Sesuai dengan akta notaris No.55 tanggal In accordance with notarial deed No.55 dated
24 Agustus 2011 yang dibuat di hadapan Fathiah 24 August 2011 of Fathiah Helmi, S.H., Notary in
Helmi, S.H., Notaris di Jakarta, para pemegang Jakarta, the Bank’s shareholders through the
saham Bank melalui Rapat Umum Pemegang Extraordinary General Meeting of Shareholders
Saham Luar Biasa (“RUPSLB”) pada tanggal (“EGMS”) dated 24 August 2011 approved the
24 Agustus 2011 telah menyetujui rencana untuk Bank’s plan to conduct the Limited Public Offering
melakukan Penawaran Umum Terbatas dengan Hak with pre-emptive rights (Rights Issue) V, with the
Memesan Efek Terlebih Dahulu (Rights Issue) V, approved maximum new shares issued by the
dengan jumlah saham baru yang akan dikeluarkan Bank of 1,162,285,399 B series shares.
oleh Bank sebanyak-banyaknya 1.162.285.399 In accordance with the Shareholders Register
saham seri B. Sesuai dengan Daftar Pemegang dated 26 September 2011, an allotment date of the
Saham pada tanggal 26 September 2011 yang above Rights Issue, the total new shares issued in
merupakan tanggal penjatahan Rights Issue conjunction with Rights Issue V were
tersebut di atas, jumlah saham baru yang 1,162,285,399 B series shares.
dikeluarkan dalam rangka Rights Issue V adalah
sebanyak 1.162.285.399 saham seri B.
LAMPIRAN – 5/3 – SCHEDULE
588 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 591
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran umum saham Bank (lanjutan) b. Public offering of the Bank’s shares
(continued)
Berikut adalah kronologis pencatatan saham Bank The chronological overview of the Bank’s issued
pada bursa efek di Indonesia sejak Penawaran shares on the stock exchanges in Indonesia since
Umum Perdana: the Initial Public Offering is as follows:
Saham Seri A/
A Series Shares
Saham yang berasal dari Penawaran
Umum Perdana pada tahun 1989 12.000.000 Shares from Initial Public Offering in 1989
Saham pendiri 22.400.000 Founders’ shares
Saham bonus yang berasal dari kapitalisasi Bonus shares from capitalization
tambahan modal disetor - agio saham of additional paid-up capital - capital
pada tahun 1992 34.400.000 paid in excess of par value in 1992
Saham yang berasal dari Penawaran
Umum Terbatas dengan Hak Memesan Shares from Limited Public Offering with
Efek Terlebih Dahulu (Rights Issue) I Pre-emptive Rights (Rights Issue)
pada tahun 1993 224.000.000 I in 1993
Saham bonus yang berasal dari kapitalisasi Bonus shares from capitalization
tambahan modal disetor - agio saham of additional paid-up capital - capital
pada tahun 1995 112.000.000 paid in excess of par value in 1995
Saham yang berasal dari Penawaran
Umum Terbatas dengan Hak Memesan Shares from Limited Public Offering with
Efek Terlebih Dahulu (Rights Issue) II Pre-emptive Rights (Rights Issue)
pada tahun 1996 560.000.000 II in 1996
Saham pendiri pada tahun 1996 155.200.000 Founders’ shares in 1996
Saham yang berasal dari perubahan nilai
nominal saham pada tahun 1997 1.120.000.000 Shares resulting from stock split in 1997
2.240.000.000
Peningkatan nilai nominal saham menjadi : 20 Increase in par value to
Rp10.000 (nilai penuh) per saham melalui Rp10,000 (full amount) per share
pengurangan jumlah saham (reverse through reduction in total number
stock split) pada tahun 2001 112.000.000 of shares (reverse stock split) in 2001
Peningkatan nilai nominal saham menjadi :5 Increase in par value to
Rp50.000 (nilai penuh) per saham melalui Rp50,000 (full amount) per share
pengurangan jumlah saham (reverse through reduction in total number
stock split) pada tahun 2003 22.400.000 of shares (reverse stock split) in 2003
Jumlah saham seri A pada tanggal Total A series shares
31 Desember 2025 (Catatan 30) 22.400.000 as of 31 December 2025 (Note 30)
LAMPIRAN – 5/4 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 589
Page 592
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran umum saham Bank (lanjutan) b. Public offering of the Bank’s shares (continued)
Saham Seri B/
B Series Shares
Saham yang berasal dari Penawaran Umum Shares from Limited Public Offering with
Terbatas dengan Hak Memesan Efek Terlebih Pre-emptive Rights (Rights Issue)
Dahulu (Rights Issue) III pada tahun 1999 215.040.000.000 III in 1999
Saham yang diterbitkan dalam rangka Shares issued in connection with
penggabungan usaha dengan PDFCI pada the Bank’s merger with
tahun 1999 45.375.000.000 the former PDFCI in 1999
Saham yang diterbitkan dalam rangka Shares issued in connection with
penggabungan usaha dengan Bank Tiara the Bank’s merger with
pada tahun 2000 35.557.200.000 Bank Tiara in 2000
Saham yang diterbitkan dalam rangka Shares issued in connection with
penggabungan usaha dengan 7 BTO* (Taken- the Bank’s merger with
Over Banks) lainnya pada tahun 2000 192.480.000.000 7 Taken-Over Banks* (BTOs) in 2000
488.452.200.000
Peningkatan nilai nominal saham menjadi : 20 Increase in par value to
Rp100 (nilai penuh) per saham melalui Rp100 (full amount) per share
pengurangan jumlah saham (reverse stock through reduction in total number of
split) pada tahun 2001 24.422.610.000 shares (reverse stock split) in 2001
Peningkatan nilai nominal saham menjadi :5 Increase in par value to
Rp500 (nilai penuh) per saham melalui Rp500 (full amount) per share
pengurangan jumlah saham (reverse stock through reduction in total number of
split) pada tahun 2003 4.884.522.000 shares (reverse stock split) in 2003
Saham yang berasal dari Penawaran Umum
Terbatas dengan Hak Memesan Efek Shares from Limited Public Offering with
Terlebih Dahulu (Rights Issue) IV pada Pre-emptive Rights (Rights Issue)
tahun 2009 3.314.893.116 IV in 2009
Saham yang berasal dari Penawaran Umum
Terbatas dengan Hak Memesan Efek Shares from Limited Public Offering with
Terlebih Dahulu (Rights Issue) V pada Pre-emptive Rights (Rights Issue)
tahun 2011 1.162.285.399 V in 2011
Saham yang diterbitkan dalam rangka Shares issued in connection with
Program Kompensasi Karyawan/Manajemen Employee/Management Stock Option
Berbasis Saham (tahap I-III) Program (tranche I-III)
- 2005 13.972.000 2005 -
- 2006 24.863.000 2006 -
- 2007 87.315.900 2007 -
- 2008 13.057.800 2008 -
- 2009 29.359.300 2009 -
- 2010 26.742.350 2010 -
- 2011 5.232.500 2011 -
Saham yang diterbitkan dalam rangka Shares issued in connection with the
penggabungan usaha dengan PT Bank Bank’s merger with PT Bank Nusantara
Nusantara Parahyangan Tbk pada tahun 2019 188.909.505 Parahyangan Tbk in 2019
Jumlah saham seri B pada tanggal Total B series shares as of
31 Desember 2025 (Catatan 30) 9.751.152.870 31 December 2025 (Note 30)
* 7 BTO terdiri dari PT Bank Duta Tbk, PT Bank Rama * 7 BTOs consist of PT Bank Duta Tbk, PT Bank Rama
Tbk, PT Bank Tamara Tbk, PT Bank Nusa Nasional Tbk, PT Bank Tamara Tbk, PT Bank Nusa Nasional
Tbk, PT Bank Pos Nusantara, PT JayaBank Tbk, PT Bank Pos Nusantara, PT JayaBank
International, dan PT Bank Risjad Salim Internasional. International, and PT Bank Risjad Salim
Internasional.
LAMPIRAN – 5/5 – SCHEDULE
590 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 593
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran umum saham Bank (lanjutan) b. Public offering of the Bank’s shares
(continued)
Terhitung mulai tanggal 1 Mei 2019 PT Bank Starting from 1 May 2019 PT Bank Danamon
Danamon Indonesia Tbk dan PT Bank Nusantara Indonesia Tbk and PT Bank Nusantara
Parahyangan Tbk “BNP” telah efektif bergabung Parahyangan Tbk “BNP” has effective merged as
sebagaimana dimuat dalam Akta Nomor 123 tanggal specified into Deed number 123 dated 29 April
29 April 2019 yang dibuat oleh Mala Mukti, Sarjana 2019 made by Mala Mukti, Bachelor of Law, Lex
Hukum, Lex Legibus Magister, Notaris di Jakarta Legibus Magister, Notary in Jakarta and has been
dan telah disetujui oleh Menteri Hukum dan Hak approved by the Minister of Law and Human Rights
Asasi Manusia Republik Indonesia melalui Surat of the Republic of Indonesia through Decree Letter
Keputusan Menteri Hukum dan Hak Asasi Manusia No.AHU-AH.01.10-0008351 dated 30 April 2019
Republik Indonesia No.AHU-AH.01.10-0008351 regarding Acceptance Notification on Merger of
tanggal 30 April 2019 tentang Penerimaan PT Bank Danamon Indonesia Tbk, Approval on
Pemberitahuan Penggabungan Perseroan PT Bank Amendment of Articles of Association of PT Bank
Danamon Indonesia Tbk, Surat Keputusan Menteri Danamon Indonesia Tbk, Decree Letter Number
Hukum dan Hak Asasi Manusia Republik Indonesia No.AHU-AH.01.03-0224741 dated 30 April 2019
No.AHU-AH.01.03-0224741 tanggal 30 April 2019 concerning Acceptance on Notification of Articles
tentang Penerimaan Pemberitahuan Perubahan of Association of PT Bank Danamon Indonesia
Anggaran Dasar PT Bank Danamon Indonesia Tbk, Tbk, Decree Letter Number No.AHU-AH.01.03-
Surat Keputusan Menteri Hukum dan Hak Asasi 0224743 dated 30 April 2019 concerning
Manusia Republik Indonesia No.AHU-AH.01.03- Acceptance on Notification of PT Bank Danamon
0224743 tanggal 30 April 2019 tentang Penerimaan Indonesia Tbk’s data amendment.
Pemberitahuan Perubahan Data Perseroan PT Bank
Danamon Indonesia Tbk.
Sehubungan dengan penggabungan usaha In relation to the merger, the Bank has converted
tersebut, Bank melakukan konversi saham BNP BNP’s shares through an additional of 188,909,505
melalui penambahan sejumlah 188.909.505 saham, shares, so the issued and fully paid B series shares
sehingga jumlah modal ditempatkan dan disetor and additional paid-in capital increased by
penuh saham seri B dan tambahan modal disetor Rp94,455 and Rp729,647, respectively.
meningkat masing-masing sebesar Rp94.455 dan
Rp729.647.
c. Entitas Anak c. Subsidiary
Bank mempunyai kepemilikan langsung pada The Bank has a direct ownership interest in the
Entitas Anak sebagai berikut: following Subsidiary:
Tahun
Persentase kepemilikan/ beroperasi
Percentage of komersial/
Kegiatan ownership Year Jumlah aset/Total assets
usaha/ commercial
Nama Entitas Anak/ Business Domisili/ operations
Name of subsidiary activity Domicile 2025 2024 commenced 2025 2024*)
PT Adira Dinamika Pembiayaan/ Jakarta,
Multi Finance Tbk Financing Indonesia 74,50% 92,07% 1991 38.529.195 38.372.929
*) Disajikan kembali *) As restated
LAMPIRAN – 5/6 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 591
Page 594
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Entitas Anak (lanjutan) c. Subsidiary (continued)
PT Adira Dinamika Multi Finance Tbk (ADMF) PT Adira Dinamika Multi Finance Tbk (ADMF)
Pada tanggal 26 Januari 2004, Bank telah On 26 January 2004, the Bank signed a
menandatangani Perjanjian Jual Beli Bersyarat Conditional Sale and Purchase Agreement
(“PJBB”) untuk mengakuisisi 75% dari jumlah saham (“CSPA”) to acquire 75% of the issued shares of
yang dikeluarkan PT Adira Dinamika Multi Finance PT Adira Dinamika Multi Finance Tbk (“ADMF”)
Tbk (“ADMF”) dengan harga perolehan Rp850.000. with a purchase price of Rp850,000. The closing
Akuisisi ini diselesaikan pada tanggal date of this acquisition was on 7 April 2004. Based
7 April 2004. Sesuai dengan PJBB ini, Bank berhak on the CSPA, the Bank is entitled to 75% of
atas 75% dari laba bersih ADMF sejak tanggal ADMF’s net income starting from 1 January 2004.
1 Januari 2004.
Rincian aset neto yang diakuisisi dan goodwill pada Details of net assets acquired and goodwill as of
tanggal akuisisi adalah sebagai berikut: the acquisition date are as follows:
Jumlah aset 1.572.026 Total assets
Jumlah liabilitas (1.241.411) Total liabilities
Aset neto 330.615 Net assets
Penyesuaian atas nilai wajar aset neto Adjustment to fair value of net assets due
karena pembayaran dividen (125.000) to dividend distribution
Nilai wajar aset neto (100%) 205.615 Fair value of net assets (100%)
Harga perolehan 850.000 Purchase price
Nilai wajar aset neto yang diakuisisi (75%) (154.211) Fair value of net assets acquired (75%)
Goodwill (Recognized in accordance with
Goodwill (Dicatat sesuai dengan standar the accounting standard at the time of the
akuntansi pada waktu transaksi terjadi) 695.789 transaction occurred)
Berdasarkan PJBB, Bank juga memperoleh 90% hak Based on the CSPA, the Bank is also entitled to
kepemilikan atas perusahaan terafiliasi ADMF, 90% ownership of the affiliated companies of
PT Zurich Asuransi Indonesia Tbk (Dahulu ADMF, PT Zurich Asuransi Indonesia Tbk
PT Asuransi Adira Dinamika Tbk) (“ZAI”), dan (Formerly PT Asuransi Adira Dinamika Tbk)
PT Adira Quantum Multifinance (“AQ”) (likuidasi). (“ZAI”), and PT Adira Quantum Multifinance (“AQ”)
(liquidated).
Pada tanggal 26 Januari 2004, Bank juga telah On 26 January 2004, the Bank also signed a Call
menandatangani Perjanjian Call Option, yang Option Agreement, which was then last amended
terakhir diubah dengan “Fourth Amendment to the by the “Fourth Amendment to the Amended and
Amended and Restated Call Option Agreement” Restated Call Option Agreement” dated
tertanggal 22 Desember 2006. Berdasarkan 22 December 2006. Based on the Call Option
Perjanjian Call Option tersebut, Bank berhak untuk Agreement, the Bank has a right to purchase up to
membeli sampai dengan 20%, dari jumlah saham 20%, of the remaining total issued shares of ADMF
yang dikeluarkan oleh ADMF pada harga tertentu at an approved pre-determined strike price. This
yang telah disetujui. Call option ini jatuh tempo pada call option expired on 30 April 2009. On 8 April
tanggal 30 April 2009. Pada tanggal 8 April 2009, 2009, the Bank signed “Extension to the Amended
Bank telah menandatangani “Extensions to the and Restated Call Option Agreement” which
Amended and Restated Call Option Agreement” extended the Call Option expiry date to 31 July
yang memperpanjang jatuh tempo Call Option 2009. On the Call Option issuance date, the Bank
menjadi tanggal 31 Juli 2009. Pada tanggal paid a premium of Rp186,875 for this call option.
penerbitan Call Option, Bank membayar premi
sebesar Rp186.875 atas call option ini.
Pada tanggal 22 November 2005, BI memberikan On 22 November 2005, BI gave a formal approval
persetujuan formal atas penyertaan modal pada on the 95% ownership investment in ADMF.
ADMF dengan porsi kepemilikan saham sebesar
95%.
LAMPIRAN – 5/7 – SCHEDULE
592 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 595
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Entitas Anak (lanjutan) c. Subsidiary (continued)
PT Adira Dinamika Multi Finance Tbk (ADMF) PT Adira Dinamika Multi Finance Tbk (ADMF)
(lanjutan) (continued)
Pada tanggal 9 Juli 2009, Bank telah mengeksekusi On 9 July 2009, the Bank had executed its call
call option-nya untuk membeli 20% saham ADMF option to buy 20% of ADMF’s shares with
dengan nilai akuisisi sebesar Rp1.628.812, dimana acquisition cost of Rp1,628,812, which amount
jumlah ini termasuk premi yang telah dibayar untuk included the payment for call option of Rp186,875.
call option sebesar Rp186.875. Dengan demikian, Therefore, since 9 July 2009, the Bank had owned
sejak tanggal 9 Juli 2009, Bank telah memiliki 95% 95% of ADMF’s shares and had been entitled
saham ADMF dan berhak atas tambahan 20% dari additionally to 20% of ADMF’s net profit since
laba bersih ADMF sejak tanggal 1 Januari 2009. 1 January 2009. ADMF’s Articles of Association
Anggaran Dasar ADMF telah mengalami beberapa has been amended several times with the latest
kali perubahan, perubahan terakhir dilakukan amendment effected by Notarial Deed of Mala
dengan Akta Notaris Mala Mukti, S.H., LL.M., No.40 Mukti, S.H., LL.M., No. 40 dated 15 October 2021
tanggal 15 Oktober 2021 dan No.65 tanggal and No.65 dated 30 September 2025. This
30 September 2025. Perubahan ini diterima dan amendment has been received and recorded in the
dicatat dalam Sistem Administrasi Badan Hukum database of Legal Entity Administrative System of
Kementerian Hukum dan Hak Asasi Manusia the Ministry of Laws and Human Rights of the
Republik Indonesia dalam Surat Penerimaan Republic of Indonesia through its Letter of Receipt
Pemberitahuan Perubahan Anggaran Dasar of Notice on Amendment to the Articles of
PT Adira Dinamika Multi Finance Tbk Association of PT Adira Dinamika Multi Finance
No.AHU-AH.01.03-0465665 tanggal 27 Oktober Tbk No.AHU-AH.01.03-0465665 dated 27 October
2021 dan Surat Penerimaan Pemberitahuan 2021 and Letter of Receipt of Notice on
Perubahan Anggaran Dasar PT Adira Dinamika Amendment to the Articles of Association of
Multi Finance Tbk No.AHU-AH.01.03-0239735 PT Adira Dinamika Multi Finance Tbk No.AHU-
tanggal 1 Oktober 2025. AH.01.03-0239735 dated 1 October 2025.
Rincian aset neto yang diakuisisi dan goodwill pada Details of net assets acquired and goodwill as of
tanggal eksekusi adalah sebagai berikut: the exercise date are as follows:
Jumlah aset 3.592.024 Total assets
Jumlah liabilitas (1.642.021) Total liabilities
Nilai wajar aset neto (100%) 1.950.003 Fair value of net assets (100%)
Harga perolehan 1.628.812 Purchase price
Nilai wajar aset neto yang diakuisisi (20%) (390.000) Fair value of net assets acquired (20%)
Goodwill (Recognized in accordance with
Goodwill (Dicatat sesuai dengan standar the accounting standard at the time
akuntansi pada waktu transaksi terjadi) 1.238.812 of the transaction occurred)
Konsolidasi ZAI dan AQ (likuidasi) pada bulan April Consolidation of ZAI and AQ (liquidated) in April
2006 menyebabkan perubahan nilai penyertaan 2006 caused a change in the investment amount in
modal pada ADMF dan perubahan nilai buku ADMF and change in net book value of goodwill as
goodwill seperti berikut ini: calculated below:
Perhitungan Sesudah konsolidasi dengan ZAI dan AQ/
awal ADMF After consolidating ZAI and AQ
saja/Initial
calculation
ADMF only ADMF ZAI AQ Total
Harga perolehan 850.000 822.083 19.020 8.897 850.000 Purchase price
Nilai wajar aset neto Fair value of net
yang diakuisisi (154.211) (154.211) (19.020) (8.897) (182.128) assets acquired
Goodwill (Catatan 2s) 695.789 667.872 - - 667.872 Goodwill (Note 2s)
LAMPIRAN – 5/8 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 593
Page 596
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Entitas Anak (lanjutan) c. Subsidiary (continued)
PT Adira Dinamika Multi Finance Tbk (ADMF) PT Adira Dinamika Multi Finance Tbk (ADMF)
(lanjutan) (continued)
Pada tanggal 25 Januari 2016, Bank telah On 25 January 2016, the Bank divested 2.93%
melakukan divestasi sebesar 2,93% atas ownership in the shares of ADMF to meet minimum
kepemilikan saham di ADMF untuk memenuhi percentage of shares not owned by controlling and
persentase saham minimum sebesar 7,5% saham main shareholder of 7.5% based on regulatory
yang tidak dimiliki oleh pemegang saham decision of the Board of Directors of the Indonesia
pengendali dan pemegang saham utama Stock Exchange No.Kep-00001/BEI/01-2014.
berdasarkan peraturan Keputusan Direksi Bursa Consequently, the Bank’s ownership in ADMF is
Efek Indonesia No.Kep-00001/BEI/01-2014. become 92.07%.
Sehingga, kepemilikan Bank di ADMF menjadi
sebesar 92,07%.
Pada tanggal 28 April 2025, Dewan Komisaris On 28 April 2025, ADMF Board of Commissioners
ADMF menyetujui Rancangan Penggabungan approved the Merger Plan between ADMF and
Usaha antara ADMF dengan PT Mandala PT Mandala Multifinance Tbk (“MFIN”) and
Multifinance Tbk (“MFIN”) dan disampaikan kepada submitted to OJK on 30 April 2025. The merger is
OJK pada tanggal 30 April 2025. Penggabungan part of and integrated into the formation process of
Usaha tersebut merupakan bagian dari dan satu operational Financial Conglomerate Holding
kesatuan dari proses pembentukan Perusahaan Company (“PIKK”) of MUFG Group in accordance
Induk Konglomerasi Keuangan (“PIKK”) Operasional with Financial Services Authority Regulation
Grup MUFG sesuai dengan ketentuan dalam (POJK) No. 30 Year 2024 concerning Financial
Peraturan Otoritas Jasa Keuangan (POJK) Nomor Conglomerates and PIKK. The Plan contains
30 Tahun 2024 tentang Konglomerasi Keuangan detailed information regarding the proposed
dan PIKK. Rancangan tersebut memuat informasi merger, including that ADMF will be the surviving
rinci mengenai penggabungan usaha yang entity, effective on 1 October 2025.
diusulkan, termasuk bahwa ADMF akan menjadi
entitas yang menerima penggabungan, efektif pada
tanggal 1 Oktober 2025.
ADMF telah menerima Pernyataan Efektif ADMF has received the Effective Statement of the
Penggabungan dari OJK (Pengawas Pasar Modal) Merger from OJK (Capital Market Supervision) on
pada tanggal 26 Juni 2025, dan telah memperoleh 26 June 2025 and obtained shareholder approval
persetujuan dari pemegang saham melalui Rapat at the Extraordinary General Meeting of
Umum Pemegang Saham Luar Biasa (RUPS-LB) Shareholders (EGMS) held on 30 June 2025.
yang dilaksanakan pada tanggal 30 Juni 2025.
Efektif pada tanggal 1 Oktober 2025, ADMF dan The merger between the ADMF and MFIN was
MFIN telah efektif bergabung. Setelah tanggal efektif effective on 1 October 2025. After the effective
penggabungan, ADMF menjadi entitas yang date of the merger, ADMF become the surviving
menerima penggabungan (surviving entity) dan entity and all shareholders of MFIN become
seluruh pemegang saham MFIN menjadi pemegang shareholders of the surviving entity based on the
saham dari entitas yang menerima penggabungan merger ratio.
berdasarkan rasio penggabungan.
LAMPIRAN – 5/9 – SCHEDULE
594 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 597
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Entitas Anak (lanjutan) c. Subsidiary (continued)
PT Adira Dinamika Multi Finance Tbk (ADMF) PT Adira Dinamika Multi Finance Tbk (ADMF)
(lanjutan) (continued)
Sehubungan dengan penggabungan usaha pada In accordance with merger on 1 October 2025
tanggal 1 Oktober 2025 antara ADMF dan MFIN, between ADMF and MFIN, ADMF issued
ADMF melakukan penerbitan 235.803.109 lembar 235,803,109 shares. From the total issued shares,
saham. Dari total saham yang diterbitkan tersebut, 235,722,555 shares were issued to shareholders
235.722.555 lembar saham diterbitkan kepada of MFIN, which include MUFG Bank,Ltd and others
pemegang saham MFIN, yang mencakup MUFG (each owns below 5%) with nominal value of
Bank, Ltd dan lain-lain (masing-masing dengan Rp100 per share (full amount) and fair value of
kepemilikan di bawah 5%), dengan nilai nominal Rp27,784 per share (full amount) as calculated by
sebesar Rp100 per lembar saham (nilai penuh) dan KJPP Kusnanto & Rekan for ADMF based on
nilai wajar sebesar Rp 27.784 per lembar saham Independent Assessment No.00069/2.0162-
(nilai penuh) yang dihitung oleh KJPP Kusnanto & 00/BS/09/0153/1/V/2025 dated 23 May 2025, and
Rekan untuk ADMF sesuai Laporan Penilaian by KJPP Suwendho Rinaldy & Rekan for MFIN
Independen No.00069/2.0162- based on Independent Assessment
00/BS/09/0153/1/V/2025 pada tanggal 23 Mei 2025, No.00149/2.0059-02/BS/09/0242/1/V/2025 dated
dan KJPP Suwendho Rinaldy & Rekan untuk MFIN 23 May 2025.
sesuai Laporan Penilaian Independen
No.00149/2.0059-02/BS/09/0242/1/V/2025 pada
tanggal 23 Mei 2025.
Sisa 80.554 lembar saham yang diterbitkan The remaining 80,554 shares from the shares
ditambahkan sebagai saham treasuri dengan nilai issued added as ADMF treasury shares with
tercatat sebesar Rp277, sehubungan dengan carrying value of Rp277, in accordance with
kepemilikan MFIN atas saham yang dibeli kembali repurchased shares by MFIN before the date of
(buyback) sebelum tanggal penggabungan usaha. merger.
Sebelum terjadinya kegiatan penggabungan usaha, Before the merger, on 15 September 2025, ADMF
pada tanggal 15 September 2025, ADMF membeli has repurchased (buyback) 9,735,600 shares with
kembali saham (buyback) sebanyak 9.735.600 total purchase price of Rp88,469. Therefore, total
lembar saham dengan jumlah pembelian sebesar of repurchased shares are 9,816,154 shares. All
Rp88.469. Dengan demikian, total jumlah saham repurchased shares are accounted for and
yang dibeli kembali (buyback) sebesar 9.816.154 presented in the additional paid-in capital (Note
lembar saham. Seluruh saham yang dibeli kembali 31). On ADMF additional issued shares. the Bank's
tersebut dicatat dan disajikan dalam tambahan ownership in ADMF is become 74.50%
modal disetor (Catatan 31). Atas penambahan
jumlah saham ADMF, kepemilikan Bank di ADMF
menjadi sebesar 74.50%.
Pada tanggal 31 Desember 2025, ADMF memiliki As of 31 December 2025, ADMF’s free float shares
saham free float sejumlah 67.218.596 saham yang amounted to 67,218,596 shares representing
merupakan 5,44% dari jumlah modal ditempatkan 5.44% of the total issued and paid-up capital, which
dan disetor, dimana tidak memenuhi Persyaratan is below the minimum Free Float Requirement
Bursa Efek Indonesia (BEI) terkait saham free float. stipulated by the Indonesia Stock Exchange (IDX).
ADMF telah menerima Surat Persetujuan (Waiver) ADMF has received a waiver from IDX to meet the
dari BEI untuk menunda pemenuhan persyaratan requirement of 7,5% 31 March 2026. Furthermore,
7.5% paling lambat tanggal 31 Maret 2026. Selain in relation to the merger, ADMF has committed to
itu, sehubungan dengan merger, ADMF increase its free float to at least 10% within one
berkomitmen untuk meningkatkan jumlah saham year from the date of issuance of the Effective
free float menjadi paling sedikit 10% dalam jangka Statement of the Merger from OJK (Capital Market
waktu satu tahun sejak tanggal diterbitkannya Supervision) on 26 June 2025. ADMF will
Pernyataan Efektif Merger dari OJK (Pengawas coordinate with the controlling shareholder to
Pasar Modal), yaitu pada tanggal 26 Juni 2025. ensure compliance with the applicable regulation
ADMF akan bekerjasama dengan pemegang saham within the prescribed timeframe.
pengendali dalam pemenuhan peraturan sesuai
dengan batas waktu yang sudah ditentukan.
LAMPIRAN – 5/10 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 595
Page 598
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
c. Entitas Anak (lanjutan) c. Subsidiary (continued)
PT Adira Quantum Multifinance (AQ) (likuidasi) PT Adira Quantum Multifinance (AQ)
(liquidated)
Penyelesaian harta kekayaan dan kewajiban Assets and obligation settlement concerning the
sehubungan dengan proses pembubaran dan dissolution and liquidation process of AQ has been
likuidasi AQ telah selesai dilakukan yang dituangkan completed as stipulated in the Deed of
dalam Akta Pernyataan Keputusan Pemegang Shareholders Resolution No. 17 dated 4 April 2023
Saham No.17 tanggal 4 April 2023 yang dibuat made before Jimmy Tanal, S.H., M.Kn, Notary in
dihadapan Jimmy Tanal, S.H., M.Kn, Notaris di South Jakarta and has been recorded and deleted
Jakarta Selatan dan telah dicatat dan dihapus dari from the Company Registry by the Minister of Law
Daftar Perseroan oleh Menteri Hukum dan Hak and Human Rights of the Republic of Indonesia in
Asasi Manusia Republik Indonesia dengan Surat Decree No.AHU.01.03.00304 dated 6 June 2023.
Keputusan No.AHU.01.03-00304 tanggal 6 Juni
2023.
d. Dewan Komisaris dan Direksi d. Boards of Commissioners and Directors
Pada tanggal 31 Desember 2025 dan 2024, susunan As of 31 December 2025 and 2024, the composition
Dewan Komisaris dan Direksi Bank adalah sebagai of the Bank’s Board of Commissioners and Directors
berikut: are as follows:
2025 2024
Komisaris Utama Bpk./Mr. Yasushi Itagaki Bpk./Mr. Yasushi Itagaki President Commissioner
Wakil Komisaris Utama Independent Vice President
Independen Bpk./Mr. Halim Alamsyah Bpk./Mr. Halim Alamsyah Commissioner
Komisaris Bpk./Mr. Nobuya Kawasaki Bpk./Mr. Nobuya Kawasaki Commissioner
Komisaris Bpk./Mr. Dan Harsono Bpk./Mr. Dan Harsono Commissioner
Komisaris Independen Bpk./Mr. Peter Benyamin Stok Bpk./Mr. Peter Benyamin Stok Independent Commissioner
Komisaris Independen Ibu/Mrs. Hedy Maria Helena Lapian Ibu/Mrs. Hedy Maria Helena Lapian Independent Commissioner
Direktur Utama Bpk./Mr. Daisuke Ejima Bpk./Mr. Daisuke Ejima President Director
Wakil Direktur Utama Bpk./Mr. Honggo Widjojo Kangmasto Bpk./Mr. Honggo Widjojo Kangmasto Vice President Director
Wakil Direktur Utama - Bpk./Mr. Hafid Hadeli2) Vice President Director
Direktur Bpk./Mr. Herry Hykmanto Bpk./Mr. Herry Hykmanto Director
Direktur - Bpk./Mr. Muljono Tjandra2) Director
Direktur Bpk./Mr. Dadi Budiana Bpk./Mr. Dadi Budiana Director
Direktur Ibu/Mrs. Rita Mirasari Ibu/Mrs. Rita Mirasari Director
Direktur Bpk./Mr. Thomas Sudarma Bpk./Mr. Thomas Sudarma Director
Direktur Bpk./Mr. Jin Yoshida Bpk./Mr. Jin Yoshida1) Director
Direktur Ibu/Mrs. Yenny Siswanto3) - Director
1)
Pengangkatan Bpk. Jin Yoshida sebagai Direktur berdasarkan 1)
The appointment of Mr. Jin Yoshida as Director based on
keputusan RUPS Tahunan tanggal 22 Maret 2024 dan telah efektif resolution of AGMS dated 22 March 2024 and effective as of dated
tanggal 11 Juli 2024 berdasarkan hasil lulus uji kemampuan dan 11 July 2024 based on the result of passing the fit and proper test
kepatutan dari Otoritas Jasa Keuangan (OJK). from Financial Services Authority (OJK).
2)
Masa jabatan Bpk. Hafid Hadeli sebagai Wakil Direktur Utama dan 2)
The term of office of Mr. Hafid Hadeli as Vice President Director
Bpk. Muljono Tjandra sebagai Direktur berakhir berdasarkan hasil and Mr. Muljono Tjandra as Director ended based on resolutions
keputusan RUPS Tahunan tanggal 21 Maret 2025. of AGMS dated 21 March 2025.
3)
Pengangkatan Ibu Yenny Siswanto sebagai Direktur berdasarkan 3)
The appointment of Mrs. Yenny Siswanto as Director based on
keputusan RUPS Tahunan tanggal 21 Maret 2025 dan telah efektif resolution of AGMS dated 21 March 2025 and effective as of dated
tanggal 5 Juni 2025 berdasarkan hasil lulus uji kemampuan dan 5 June 2025 based on the result of passing the fit and proper test
kepatutan dari Otoritas Jasa Keuangan (OJK). from Financial Services Authority (OJK).
Pada tanggal 31 Desember 2025, Bank dan Entitas As of 31 December 2025, the Bank and Subsidiary
Anak mempunyai 23.334 karyawan tetap dan 5.657 had 23,334 permanent employees and 5,657 non-
karyawan tidak tetap (2024: 23.253 karyawan tetap permanent employees (2024: 23,253 permanent
dan 2.393 karyawan tidak tetap) (tidak diaudit). employees and 2,393 non-permanent employees)
(unaudited).
LAMPIRAN – 5/11 – SCHEDULE
596 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 599
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
e. Dewan Pengawas Syariah e. Sharia Supervisory Board
Susunan Dewan Pengawas Syariah pada tanggal The composition of the Sharia Supervisory Board
31 Desember 2025 dan 2024 adalah sebagai berikut: as of 31 December 2025 and 2024 are as follows:
2025 2024
Bpk./Mr. Prof. Dr. H. M. Din Bpk./Mr. Prof. Dr. H. M. Din
Ketua Syamsuddin, MA Syamsuddin, MA Chairman
Anggota Bpk./Mr. Prof. Dr. Hasanudin, M.Ag. Bpk./Mr. Prof. Dr. Hasanudin, M.Ag. Member
Anggota Bpk./Mr. Dr. Asep Supyadillah, M.Ag. Bpk./Mr. Dr. Asep Supyadillah, M.Ag. Member
f. Komite Audit f. Audit Committee
Susunan anggota Komite Audit pada tanggal The composition of the Audit Committee as of
31 Desember 2025 dan 2024 adalah sebagai 31 December 2025 and 2024 are as follows:
berikut:
2025 2024
Ketua Bpk./Mr. Halim Alamsyah Bpk./Mr. Halim Alamsyah Chairman
Anggota Ibu/Mrs. Hedy Maria Helena Lapian Ibu/Mrs. Hedy Maria Helena Lapian Member
Anggota (Pihak Independen) Ibu/Mrs. Mawar IR Napitupulu Ibu/Mrs. Mawar IR Napitupulu (Independent Party) Member
Anggota (Pihak Independen) Bpk./Mr. Zainal Abidin Bpk./Mr. Zainal Abidin (Independent Party) Member
g. Komite Pemantau Risiko g. Risk Oversight Committee
Susunan anggota Komite Pemantau Risiko pada The composition of the Risk Oversight Committee
tanggal 31 Desember 2025 dan 2024 adalah sebagai as of 31 December 2025 and 2024 are as follows:
berikut:
2025 2024
Ketua Ibu/Mrs. Hedy Maria Helena Lapian Ibu/Mrs. Hedy Maria Helena Lapian Chairman
Anggota Bpk./Mr. Peter Benyamin Stok Bpk./Mr. Peter Benyamin Stok Member
Anggota Bpk./Mr. Nobuya Kawasaki Bpk./Mr. Nobuya Kawasaki Member
Anggota Bpk./Mr. Dan Harsono Bpk./Mr. Dan Harsono Member
Anggota (Pihak Independen) Ibu/Mrs. Mawar IR Napitupulu Ibu/Mrs. Mawar IR Napitupulu (Independent Party) Member
Anggota (Pihak Independen) Bpk./Mr. Zainal Abidin Bpk./Mr. Zainal Abidin (Independent Party) Member
h. Komite Nominasi dan Remunerasi h. Nomination and Remuneration Committee
Susunan anggota Komite Nominasi dan Remunerasi The composition of the Nomination and
pada tanggal 31 Desember 2025 dan 2024 adalah Remuneration Committee as of 31 December 2025
sebagai berikut: and 2024 are as follows:
2025 2024
Ketua Bpk./Mr. Halim Alamsyah Bpk./Mr. Halim Alamsyah Chairman
Anggota Bpk./Mr. Yasushi Itagaki Bpk./Mr. Yasushi Itagaki Member
Anggota Ibu/Mrs. Hedy Maria Helena Lapian Ibu/Mrs. Hedy Maria Helena Lapian Member
Anggota Bpk./Mr. Nobuya Kawasaki Bpk./Mr. Nobuya Kawasaki Member
Anggota Bpk./Mr. Roy Fahrizal Permana Bpk./Mr. Roy Fahrizal Permana Member
i. Komite Corporate Governance i. Corporate Governance Committee
Susunan anggota Komite Corporate Governance The Corporate Governance Committee as of
pada tanggal 31 Desember 2025 dan 2024 adalah 31 December 2025 and 2024 are as follows:
sebagai berikut:
2025 2024
Ketua Bpk./Mr. Peter Benyamin Stok Bpk./Mr. Peter Benyamin Stok Chairman
Anggota Bpk./Mr. Nobuya Kawasaki Bpk./Mr. Nobuya Kawasaki Member
LAMPIRAN – 5/12 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 597
Page 600
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1. UMUM (lanjutan) 1. GENERAL (continued)
j. Komite Tata Kelola Terintegrasi j. Integrated Corporate Governance Committee
Susunan anggota Komite Tata Kelola Terintegrasi The composition of the Integrated Corporate
pada tanggal 31 Desember 2025 dan 2024 adalah Governance Committee as of and 31 December
sebagai berikut: 2025 and 2024 are as follows:
2025 2024
Ketua Bpk./Mr. Peter Benyamin Stok Bpk./Mr. Peter Benyamin Stok Chairman
Anggota Bpk./Mr. Nobuya Kawasaki Bpk./Mr. Nobuya Kawasaki Member
Bpk./Mr. Prof. Dr. H. M. Din Bpk./Mr. Prof. Dr. H. M. Din
Anggota Syamsuddin, MA Syamsuddin, MA Member
Anggota Bpk./Mr. Krisna Wijaya Bpk./Mr. Krisna Wijaya Member
Anggota Bpk./Mr. Zainal Abidin Bpk./Mr. Zainal Abidin Member
Anggota Bpk./Mr. I Nyoman Tjager Bpk./Mr. I Nyoman Tjager1) Member
Anggota - Bpk./Mr. Christopher Mark Davies2) Member
Anggota - Bpk./Mr. Yasuhiko Togo2) Member
Anggota - Bpk./Mr. Andre S.Painchaud2) Member
1)
Efektif menjadi anggota Komite Tata Kelola Terintegrasi pada 1)
Effective as a member of the Integrated Corporate Governance
tanggal 11 Desember 2024. Committee on 11 December 2024.
2)
Efektif tidak menjadi anggota Komite Tata Kelola Terintegasi pada 2)
Effective no member of the Integrated Corporate Governance
tanggal 29 Oktober 2025. Committee dated 29 October 2025.
k. Sekretaris Perusahaan k. Corporate Secretary
Sekretaris Perusahaan Bank pada tanggal The Corporate Secretary of the Bank as of
31 Desember 2025 dan 2024 adalah Rita Mirasari. 31 December 2025 and 2024 was Rita Mirasari.
l. Satuan Kerja Audit Intern l. Internal Audit Task Force
Pada tanggal 31 Desember 2025 dan 2024 Kepala As of 31 December 2025 and 2024 the Chief of
Satuan Kerja Audit Internal (SKAI) adalah Yenny Internal Audit Unit (SKAI) was Yenny Linardi.
Linardi.
m. Tanggal diotorisasi Laporan Keuangan m. Authorization date of The Consolidated Financial
Konsolidasian Statements
Laporan keuangan konsolidasian Bank dan Entitas The consolidated financial statements of the Bank
Anak diotorisasi untuk terbit oleh Direksi pada and Subsidiary were authorized for issue by the
tanggal 18 Februari 2026. Board of Directors on 18 February 2026.
2. KEBIJAKAN AKUNTANSI YANG MATERIAL 2. MATERIAL ACCOUNTING POLICIES
Kebijakan akuntansi material, yang diterapkan dalam The material accounting policies, applied in the
penyusunan laporan keuangan konsolidasian Bank dan preparation of the consolidated financial statements of
Entitas Anak pada tanggal dan tahun yang berakhir pada the Bank and Subsidiary as of and for the year ended
tanggal 31 Desember 2025 dan 2024 adalah sebagai 31 December 2025 and 2024 as follows:
berikut:
a. Pernyataan kepatuhan a. Statement of compliance
Laporan keuangan konsolidasian telah disusun dan The consolidated financial statements have been
disajikan sesuai dengan Standar Akuntansi prepared and presented in accordance with
Keuangan di Indonesia, Standar Akuntansi Indonesian Financial Accounting Standards, Sharia
Keuangan Syariah dan peraturan Bapepam-LK Financial Accounting Standards and the
VIII.G.7 yang merupakan lampiran keputusan ketua Bapepam-LK VIII.G.7 Appendix of the Decree of the
Bapepam -LK No. KEP 347/BL/2012 tanggal 25 Juni Chairman of the BAPEPAM-LK No. KEP
2012 tentang “Penyajian dan Pengungkapan 347/BL/2012 dated 25 June 2012 regarding
Laporan Keuangan Emiten atau Perusahaan Publik”. “Financial Statement Presentation and Disclosure of
the Issuer or Public Company”.
LAMPIRAN – 5/13 – SCHEDULE
598 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 601
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
b. Dasar penyusunan laporan keuangan b. Basis for preparation of the consolidated
konsolidasian financial statements
Laporan keuangan konsolidasian disusun The consolidated financial statements were prepared
berdasarkan konsep nilai historis dan atas dasar on the accrual basis and under the historical cost
akrual, kecuali dinyatakan khusus. concept, unless otherwise specified.
Biaya historis umumnya didasarkan pada nilai wajar Historical cost is generally based on the fair value of
dari imbalan yang diberikan dalam pertukaran the consideration given in exchange for goods and
barang dan jasa. services.
Nilai wajar adalah harga yang akan diterima untuk Fair value is the price that would be received to sell
menjual suatu aset atau harga yang akan dibayar an asset or paid to transfer a liability in an orderly
untuk mengalihkan suatu liabilitas dalam suatu transaction between market participants at the
transaksi teratur antara pelaku pasar pada tanggal measurement date, regardless of whether that price
pengukuran, terlepas dari apakah harga tersebut is directly observable or estimated using another
dapat diamati secara langsung atau diestimasi valuation technique. In estimating the fair value of an
menggunakan teknik penilaian lain. Dalam asset or a liability, the Bank and Subsidiary take into
mengestimasi nilai wajar dari suatu aset atau account the characteristics of the asset or liability if
liabilitas, Bank dan Entitas Anak memperhitungkan market participants would take those characteristics
karakteristik aset atau liabilitas jika pelaku pasar into account when pricing the asset or liability at the
akan memperhitungkan karakteristik tersebut ketika measurement date.
menentukan harga aset atau liabilitas pada tanggal
pengukuran.
Laporan arus kas konsolidasian disusun dengan The consolidated statements of cash flows are
menggunakan metode langsung dengan prepared based on direct method by classifying cash
mengelompokkan arus kas ke dalam kegiatan flows on the basis of operating, investing, and
operasi, investasi, dan pendanaan. Untuk tujuan financing activities. For the purpose of consolidated
laporan arus kas konsolidasian, kas dan setara kas statements of cash flows, cash and cash equivalents
mencakup kas, giro pada Bank Indonesia, giro pada include cash, current accounts with Bank Indonesia,
bank lain, penempatan pada bank lain dan Bank current accounts with other banks, placements with
Indonesia dan Sertifikat Bank Indonesia yang jatuh other banks and Bank Indonesia and Certificate of
tempo dalam waktu tiga bulan sejak tanggal Bank Indonesia that mature within three-months from
perolehan, sepanjang tidak digunakan sebagai the date of acquisition, as long as they are not being
jaminan atas pinjaman yang diterima serta tidak pledged as collateral for borrowings nor restricted.
dibatasi penggunaannya.
Pada saat persetujuan laporan keuangan At the time of approving the consolidated financial
konsolidasian, Direksi memiliki suatu ekspektasi statements, Board of Directors have a reasonable
yang memadai bahwa Bank dan Entitas Anak expectation that the Bank and Subsidiary have
memiliki sumber daya yang cukup untuk melanjutkan adequate resources to continue in operational
keberadaan operasinya untuk di masa yang akan existence for the foreseeable future. Thus, they
datang. Sehingga, mereka melanjutkan penerapan continue to adopt the going concern basis of
dasar akuntansi kelangsungan usaha dalam accounting in preparing the consolidated financial
penyusunan laporan keuangan konsolidasian. statements.
Dalam penyusunan laporan keuangan konsolidasian The preparation of consolidated financial statements
sesuai dengan Standar Akuntansi Keuangan di in conformity with Indonesian Financial Accounting
Indonesia, dibutuhkan pertimbangan, estimasi, dan Standards are required to make judgments,
asumsi jumlah tercatat aset dan liabilitas yang tidak estimates and assumptions about the carrying
tersedia dari sumber lain. amounts of assets and liabilities that are not readily
apparent from other sources.
Walaupun estimasi dan asumsi terkait didasarkan Although these estimates and associated
pada pengetahuan terbaik manajemen atas kejadian assumptions are based on management’s best
dan tindakan saat ini, hasil aktual mungkin berbeda knowledge of current events and activities, actual
dari estimasi tersebut. results may differ from those estimates.
LAMPIRAN – 5/14 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 599
Page 602
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
b. Dasar penyusunan laporan keuangan b. Basis for preparation of the consolidated
konsolidasian (lanjutan) financial statements (continued)
Estimasi dan asumsi yang mendasari ditelaah Estimates and underlying assumptions are
secara berkesinambungan. Revisi atas estimasi reviewed on an ongoing basis. Revisions to
akuntansi diakui pada tahun dimana estimasi accounting estimates are recognized in the year in
tersebut direvisi dan tahun yang akan datang yang which the estimate is revised and in any future year
dipengaruhi oleh revisi estimasi tersebut. affected.
Secara khusus, informasi mengenai hal-hal penting In particular, information about significant areas of
yang terkait dengan ketidakpastian estimasi dan estimation uncertainty and critical judgements in
pertimbangan penting dalam penerapan kebijakan applying accounting policies that have material
akuntansi yang memiliki dampak yang material effect on the amounts recognized in the
terhadap jumlah yang diakui dalam laporan consolidated financial statements are described in
keuangan konsolidasian dijelaskan dalam Note 3.
Catatan 3.
Seluruh angka dalam laporan keuangan Figures in these consolidated financial statements
konsolidasian ini dibulatkan menjadi jutaan Rupiah are rounded to and stated in millions of Rupiah,
yang terdekat, kecuali dinyatakan secara khusus. unless otherwise stated.
c. Amendemen/Penyesuaian atas Standar-Standar c. Amendments/Improvements to Standards
yang Efektif pada Tahun Berjalan Effective in the Current Year
Dalam tahun berjalan, Bank dan Entitas Anak telah In the current year, the Bank and Subsidiary have
menerapkan amendemen PSAK yang relevan applied amendments to PSAK that are relevant to
dengan operasinya dan efektif untuk periode its operations and effective for accounting period
akuntansi yang dimulai pada atau setelah beginning on or after 1 January 2025:
1 Januari 2025:
• PSAK 117: “Kontrak Asuransi” dan Amendemen • PSAK 117: “Insurance Contract” and
PSAK 117 tentang “Penerapan Awal PSAK 117 Amendment of PSAK 117 on Initial
dan PSAK 109 - Informasi Komparatif” dan Application of PSAK 117 and PSAK 109 –
• Amandemen PSAK 221: “Pengaruh Perubahan Comparative Information” and
Kurs Valuta Asing” terkait pengaturan terkait • Amendment of PSAK 221: “Effect of Changes
kondisi ketika suatu mata uang tidak tertukarkan in Foreign Exchange Rates” regarding
serta pengungkapannya. conditions when a currency is not
exchangeable and its disclosures.
Penerapan atas PSAK dan amendemen PSAK ini The adoption of this PSAK and amendments of
tidak memiliki dampak material terhadap jumlah yang PSAKs have no material effect on the amounts
dilaporkan dalam laporan keuangan konsolidasian. reported in these consolidated financial
statements.
d. Prinsip konsolidasian dan ekuitas d. Consolidation principles and equity
accounting
d.1. Entitas Anak d.1. Subsidiary
Bank mengendalikan Entitas Anak ketika Bank The Bank controls a subsidiary when the
terekspos atau memiliki hak atas imbal hasil Bank is exposed to, or has rights to, variable
variabel dari keterlibatannya dengan Entitas returns from its involvement with the
Anak dan memiliki kemampuan untuk Subsidiary and has the ability to affect those
mempengaruhi imbal hasil tersebut melalui returns through its power over the Subsidiary.
kekuasaannya atas Entitas Anak.
LAMPIRAN – 5/15 – SCHEDULE
600 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 603
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
d. Prinsip konsolidasian dan ekuitas (lanjutan) d. Consolidation principles and equity
accounting (continued)
d.1. Entitas Anak (lanjutan) d.1. Subsidiary (continued)
Entitas Anak dikonsolidasikan sejak tanggal Subsidiary are consolidated from the date on
kendali atas Entitas Anak tersebut beralih which control is transferred to the Bank and
kepada Bank dan sesuai dengan persetujuan as approved by BI for the capital investment
penyertaan modal dari BI dan tidak lagi and are no longer consolidated from the date
dikonsolidasikan sejak tanggal hilangnya that control ceases. The financial statements
pengendalian. Laporan keuangan Entitas Anak of Subsidiary have been prepared using
telah disusun dengan menggunakan kebijakan uniform accounting policies for similar
akuntansi yang sama dengan kebijakan transactions and other events in similar
akuntansi yang diterapkan oleh Bank untuk circumstances.
transaksi yang serupa dan kejadian lain dalam
keadaan yang serupa.
Akuisisi Entitas Anak dicatat dengan Acquisitions of Subsidiary are accounted for
menggunakan metode akuntansi pembelian. using the purchase method accounting. The
Biaya akuisisi diukur sebesar nilai wajar aset cost of an acquisition is measured at the fair
yang diserahkan dan saham yang diterbitkan value of the assets given up and shares
atau liabilitas yang diambil alih pada tanggal issued or liabilities assumed at the date of
akuisisi. Kelebihan biaya akuisisi atas nilai acquisition. The excess of the acquisition cost
wajar aset neto Entitas Anak dicatat sebagai over the fair value of the net assets of the
goodwill (Catatan 2s). Subsidiary acquired is recorded as goodwill
(Note 2s).
Transaksi signifikan antar Bank dan Entitas Significant intercompany transactions,
Anak, saldo dan keuntungan signifikan yang balances and unrealized gains on
belum direalisasi dari transaksi, dieliminasi. transactions between the Bank and
Kerugian yang belum direalisasi juga Subsidiary are eliminated. Unrealized losses
dieliminasi, kecuali apabila harga perolehan are also eliminated unless cost cannot be
tidak dapat diperoleh kembali. recovered.
Bank mengukur kepentingan non-pengendali The Bank measures non-controlling interests
atas basis proporsional pada jumlah yang at its proportionate share of the recognized
diakui atas aset neto yang diidentifikasi pada amount of the identifiable net assets at
tanggal akuisisi. Kepentingan non-pengendali acquisition date. Non-controlling interests are
disajikan di ekuitas dalam laporan posisi presented within equity in the consolidated
keuangan konsolidasian, terpisah dari pemilik statement of financial position, separately
entitas induk. Laba atau rugi dari setiap from the equity holders of the parent entity.
komponen penghasilan komprehensif lain Profit or loss and each component of other
dialokasikan kepada pemilik entitas induk dan comprehensive income are allocated to the
kepentingan non-pengendali. equity holders of the parent entity and non-
controlling interests.
d.2. Entitas Asosiasi d.2. Associate Entity
Entitas Asosiasi adalah entitas dimana Bank Associate is an entity over which the Bank
dan Entitas Anak memiliki pengaruh signifikan and Subsidiary have significant influence but
namun bukan pengendalian, biasanya melalui not control, generally accompanying a
kepemilikan hak suara antara 20% dan 50%. shareholding of between 20% and 50% of the
Investasi Entitas Asosiasi dicatat dengan voting rights. Investment in Associate is
metode ekuitas. accounted for using the equity method of
accounting.
LAMPIRAN – 5/16 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 601
Page 604
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
d. Prinsip konsolidasian dan ekuitas (lanjutan) d. Consolidation principles and equity
accounting (continued)
d.2. Entitas Asosiasi (lanjutan) d.2. Associate Entity (continued)
Dengan metode ekuitas, investasi pada entitas Under the equity method, an investment in an
asosiasi diakui di laporan posisi keuangan associate is initially recognized in the
sebesar biaya perolehan dan selanjutnya statement of financial position at cost and
disesuaikan untuk mengakui perubahan dalam adjusted thereafter to recognize changes in
bagian kepemilikan Bank dan Entitas Anak atas the Bank and Subsidiary’s share of the profit
laba rugi dan penghasilan komprehensif lain dari or loss and other comprehensive income of
entitas asosiasi dan amortisasi atas selisih the associate and amortization of the
antara nilai wajar neto aset dan liabilitas difference between the net fair value of the
teridentifikasi dari entitas asosisasi dengan associate’s identifiable assets and liabilities
harga perolehan saat tanggal akuisisi. and the cost of the investment at acquisition
date.
Jika bagian Bank dan Entitas Anak atas kerugian When the Bank and Subsidiary’s share of
Entitas Asosiasi sama dengan atau melebihi losses in an Associate equals or exceeds its
kepentingannya pada Entitas Asosiasi, termasuk interest in the Associate, including any other
piutang tanpa agunan, Bank dan Entitas Anak unsecured receivables, the Bank and
menghentikan pengakuan bagian kerugiannya, Subsidiary do not recognize further losses,
kecuali Bank dan Entitas Anak memiliki unless it has incurred legal or constructive
kewajiban atau melakukan pembayaran atas obligations or made payments on behalf of
nama Entitas Asosiasi. the Associate.
Dividen yang diterima dan yang akan diterima Dividends received or receivable from
dari Entitas Asosiasi diakui sebagai pengurang Associate is recognized as reduction in the
jumlah tercatat investasi. carrying amount of the investment.
Pada setiap tanggal pelaporan, Bank dan Entitas The Bank and Subsidiary determine at each
Anak menentukan apakah terdapat bukti objektif reporting date whether there is any objective
bahwa telah terjadi penurunan nilai pada evidence that the investment in the Associate
investasi pada Entitas Asosiasi. Jika demikian, is impaired. If this is the case, the carrying
maka nilai tercatat dari investasi yang dicatat amount of the equity accounting investments
dengan akuntansi ekuitas diuji untuk penurunan is tested for impairment.
nilai.
e. Penjabaran mata uang asing e. Foreign currency translation
e.1. Mata uang pelaporan e.1. Reporting currency
Laporan keuangan konsolidasian dinyatakan The consolidated financial statements are
dalam Rupiah, yang merupakan mata uang presented in Rupiah, which is the functional
fungsional Bank dan Entitas Anak. currency of the Bank and Subsidiary.
e.2. Transaksi dan saldo e.2. Transactions and balances
Transaksi dalam mata uang asing dijabarkan ke Transactions denominated in foreign currencies
dalam Rupiah dengan menggunakan kurs yang are translated into Rupiah at the exchange rates
berlaku pada tanggal transaksi. Pada tanggal prevailing at the transaction date. At the
pelaporan, aset dan liabilitas moneter dalam mata reporting date, monetary assets and liabilities
uang asing dijabarkan ke dalam Rupiah dengan denominated in foreign currencies are
kurs yang berlaku pada tanggal tersebut. translated into Rupiah using the exchange rates
prevailing at that date.
LAMPIRAN – 5/17 – SCHEDULE
602 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 605
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
e. Penjabaran mata uang asing (lanjutan) e. Foreign currency translation (continued)
e.2. Transaksi dan saldo (lanjutan) e.2. Transactions and balances (continued)
Keuntungan dan kerugian selisih kurs yang timbul Exchange gains and losses arising from
dari transaksi dalam mata uang asing dan dari transactions in foreign currencies and from the
penjabaran aset dan liabilitas moneter dalam translation of foreign currency monetary assets
mata uang asing, diakui pada laba rugi tahun and liabilities are recognized to the current year
berjalan. profit or loss.
Berikut ini adalah kurs mata uang asing utama yang Below are the major exchange rates used as of
digunakan pada bulan 31 Desember 2025 dan 31 December 2025 and 2024 using the Reuters’
2024 yang menggunakan kurs tengah Reuters pukul middle rates at 16:00 Western Indonesian Time (full
16:00 Waktu Indonesia Barat (nilai penuh): amount):
2025 2024
Dolar Amerika Serikat 16.675 16.095 United States Dollar
Dolar Australia 11.152 10.014 Australian Dollar
Dolar Singapura 12.965 11.845 Singapore Dollar
Euro Eropa 19.571 16.758 European Euro
Yen Jepang 107 103 Japanese Yen
Poundsterling Inggris 22.440 20.219 Great Britain Poundsterling
Dolar Hong Kong 2.142 2.073 Hong Kong Dollar
Franc Swiss 21.026 17.815 Swiss Franc
Baht Thailand 529 470 Thailand Baht
Dolar Selandia Baru 9.626 9.068 New Zealand Dollar
Dolar Canada 12.168 11.202 Canadian Dollar
Yuan China 2.385 2.205 China Yuan
Riyal Arab Saudi 4.447 4.284 Riyal Arab Saudi
Kroner Swedia 1.809 1.463 Swedia Kroner
f. Aset dan liabilitas keuangan f. Financial assets and liabilities
f.1. Klasifikasi f.1. Classification
Sesuai PSAK 109, terdapat tiga klasifikasi In accordance with PSAK 109, there are three
pengukuran aset keuangan: yaitu biaya perolehan measurement classifications for financial assets:
diamortisasi, diukur pada nilai wajar melalui laba amortized cost, fair value through profit or loss
rugi (“FVTPL”), dan diukur pada nilai wajar melalui (“FVTPL”) and fair value through other
penghasilan komprehensif lain (“FVOCI”). comprehensive income (“FVOCI”).
Aset keuangan diklasifikasikan menjadi kategori Financial assets are classified into these
tersebut di atas berdasarkan model bisnis dimana categories based on the business model within
aset keuangan tersebut dimiliki, dan karakteristik which they are held, and their contractual cash
arus kas kontraktualnya. Model bisnis flow characteristics. The business model reflects
merefleksikan bagaimana kelompok aset how groups of financial assets are managed to
keuangan dikelola untuk mencapai tujuan bisnis achieve a particular business objective.
tertentu.
LAMPIRAN – 5/18 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 603
Page 606
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.1. Klasifikasi (lanjutan) f.1. Classification (continued)
Aset keuangan hanya dapat dikategorikan sebagai Financial assets can only be categorized at
biaya perolehan diamortisasi jika instrumen dimiliki amortized cost if the instruments are held in order
dalam rangka mendapatkan arus kas kontraktual to collect the contractual cash flows (“hold to
(“hold to collect”), dan dimana arus kas kontraktual collect”), and where those contractual cash flows
tersebut semata dari pembayaran pokok dan are solely payments of principal and interest
bunga (“SPPI”). Pokok merupakan nilai wajar dari (“SPPI”). Principal represents the fair value of the
instrumen pada saat pengakuan awal. Bunga instrument at the time of initial recognition.
dalam hal ini merupakan kompensasi untuk nilai Interest in this context represents compensation
waktu uang dan risiko kredit terkait beserta for the time value of money and associated credit
kompensasi untuk risiko lain dan biaya yang risks together with compensation for other risks
konsisten dengan persyaratan dalam peminjaman and costs consistent with a basic lending
standar dan marjin laba. Kategori aset ini arrangement and a profit margin. This requires
membutuhkan penilaian persyaratan kontraktual an assessment at initial recognition of the
pada saat pengakuan awal untuk menentukan contractual terms to determine whether it
apakah kontrak mengandung persyaratan yang contains a term that could change the timing or
dapat mengubah waktu atau jumlah dari arus kas amount of cash flows in a way that is inconsistent
yang tidak konsisten dengan persyaratan SPPI. with the SPPI criteria.
Dalam menilai apakah arus kas kontraktual In assessing whether the contractual cash flows
memiliki karakteristik SPPI, Bank dan Entitas Anak have SPPI characteristics, the Bank and
mempertimbangkan persyaratan kontraktual atas Subsidiary considers the contractual terms of the
instrumen tersebut. Hal ini termasuk dalam hal instrument. This includes assessing whether the
menilai apakah aset keuangan mengandung financial asset contains a contractual term that
ketentuan kontraktual yang dapat mengubah waktu could change the timing or amount of contractual
atau jumlah arus kas kontraktual sehingga tidak cash flows such that it would not meet this
dapat memenuhi kondisi SPPI. Dalam melakukan condition. In making the assessment, the Bank
penilaian, Bank dan Entitas Anak and Subsidiary considers:
mempertimbangkan:
• Kejadian kontinjensi yang akan mengubah • Contingent events that would change the
jumlah dan waktu arus kas; amount and timing of cash flows;
• Fitur leverage; dan • Leverage features; and
• Persyaratan pelunasan dipercepat atau • Prepayment and extension terms.
perpanjangan fasilitas.
• Ketentuan yang membatasi klaim Bank atas • Terms that limit the Bank cash flows from
arus kas dari aset tertentu (seperti pinjaman specified assets (e.g. non-recourse loans);
non-recourse); dan and
• Fitur yang memodifikasi imbalan dari nilai • Features that modify consideration of the
waktu atas uang (seperti penetapan ulang time value of money (e.g. periodical reset of
suku bunga berkala). interest rates).
Aset dapat dijual dari portofolio hold to collect ketika Assets may be sold out of hold to collect
terdapat peningkatan risiko kredit. Penghentian portfolios where there is an increase in credit risk.
untuk alasan lain diperbolehkan, namun jumlah Disposals for other reasons are permitted, but
penjualan tersebut harus tidak signifikan jumlahnya such sales should be insignificant in value or
atau tidak sering. infrequent in nature.
LAMPIRAN – 5/19 – SCHEDULE
604 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 607
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.1. Klasifikasi (lanjutan) f.1. Classification (continued)
Aset keuangan berupa instrumen utang dimana Financial asset debt instruments where the
tujuan model bisnis dicapai dengan mendapatkan business model objectives are achieved by
arus kas kontraktual dan menjual aset (“hold to collecting the contractual cash flows and by selling
collect and sell”/”HTCS”) dan memiliki arus kas the assets (“hold to collect and sell”/”HTCS”) and
SPPI, diklasifikasikan sebagai FVOCI, dengan laba that have SPPI cash flows are classified as
rugi yang belum direalisasi ditangguhkan di FVOCI, with unrealized gains or losses deferred in
penghasilan komprehensif lain sampai aset tersebut other comprehensive income until the asset is
dihentikan. derecognized.
Seluruh aset keuangan lainnya akan diklasifikasikan All other financial assets will be classified at
sebagai FVTPL. Aset keuangan dapat ditetapkan FVTPL. Financial assets may be designated at
sebagai FVTPL hanya jika ini dapat mengeliminasi FVTPL only if doing so eliminates or reduces an
atau mengurangi accounting mismatch. accounting mismatch.
Penilaian model bisnis Business model assessment
Model bisnis mengacu pada bagaimana aset Business model refers to how financial assets are
keuangan dikelola bersama untuk menghasilkan managed together to generate cash flows for the
arus kas untuk Bank dan Entitas Anak. Arus kas Bank and Subsidiary. This may be collecting
mungkin dihasilkan dengan menerima arus kas contractual cash flows, selling financial assets or
kontraktual, menjual aset keuangan atau keduanya. both. Business models are determined at a level of
Model bisnis ditentukan pada tingkat agregasi di aggregation where groups of assets are managed
mana kelompok aset dikelola bersama untuk together to achieve a particular objective and do
mencapai tujuan tertentu dan tidak bergantung pada not depend on management's intentions for
niat manajemen pada instrumen individual. individual instruments.
Bank dan Entitas Anak menilai model bisnis pada The Bank and Subsidiary assesses the business
aset keuangan setidaknya pada tingkat lini bisnis model of financial assets at least at business line
atau pada di mana terdapat variasi mandat/tujuan level or where there are varying mandates or
dalam lini bisnis, pada lini bisnis produk atau pada objectives within a business line, at a more
tingkat desk yang lebih granular (misalnya, sub- granular product business line or desk level (i.e.,
portofolio atau sub-lini bisnis). sub-portfolios or sub-business lines).
Penentuan model bisnis dilakukan dengan Business model determinations are made
mempertimbangkan semua bukti relevan yang considering all relevant evidence that is available
tersedia pada tanggal penilaian. Ini termasuk, tetapi at the date of the assessment. This includes, but is
tidak terbatas pada: not limited to:
- bagaimana kinerja bisnis dan aset keuangan - how the performance of the business and the
yang ada di dalam unit bisnis itu dievaluasi dan financial assets held within that business unit
dilaporkan kepada manajemen. Tingkat are evaluated and reported to management.
pemisahan yang diidentifikasi untuk klasifikasi The level of segregation identified for
PSAK 109 harus konsisten dengan bagaimana PSAK 109 classification should be consistent
portofolio aset dipisahkan dan dilaporkan with how asset portfolios are segregated and
kepada manajemen; reported to senior management;
LAMPIRAN – 5/20 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 605
Page 608
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.1. Klasifikasi (lanjutan) f.1. Classification (continued)
Penilaian model bisnis (lanjutan) Business model assessment (continued)
- risiko yang mempengaruhi kinerja unit bisnis - the risks that affect the performance of the
dan aset keuangan yang dimiliki dalam unit business unit and the financial assets held
bisnis itu dan khususnya bagaimana risiko itu within that business unit and in particular the
dikelola; dan way those risks are managed; and
- bagaimana manajer unit bisnis dikompensasi - how managers of the business unit are
(misalnya, apakah kompensasi didasarkan compensated (for example, whether the
pada nilai wajar dari aset yang dikelola atau compensation is based on the fair value of the
pada arus kas kontraktual yang dikumpulkan). assets managed or on the contractual cash
flows collected.
Penentuan model bisnis dilakukan berdasarkan Business model determinations are made on the
skenario yang diperkirakan akan terjadi oleh Bank basis of scenarios that the Bank and Subsidiary
dan Entitas Anak dan tidak dalam kondisi sangat reasonably expects to occur and not under highly
tertekan atau 'kondisi terburuk'. Jika aset dijual stressed or 'worst case' conditions. Where assets
dalam kondisi yang tidak diharapkan oleh are disposed of under conditions that the
Perseroan untuk berlaku ketika aset diakui, Company did not reasonably expect to prevail
klasifikasi aset keuangan yang ada dalam portofolio when the assets were recognized, the
tidak disajikan secara tidak akurat, tetapi kondisi classification of existing financial assets in the
tersebut harus dipertimbangkan untuk aset yang portfolio are not rendered inaccurate but the
diperoleh di masa mendatang. conditions in question should be considered for
any assets acquired going forward.
Pemilihan model operasi dalam PSAK 109 The Targeting Operating Model for PSAK 109 is
dirancang sedemikian rupa sehingga akuntansi designed such that accounting for instruments at
untuk instrumen di FVTPL adalah pilihan yang FVTPL is a conscious choice.
tepat/conscious.
Perubahan pada model bisnis atau pengenalan Changes to business models or the introduction of
model bisnis baru ditentukan melalui proses new business models are determined through the
persetujuan unit bisnis baru. new business unit approval process.
Bank dan Entitas Anak dapat mereklasifikasi The Bank and Subsidiary can reclassified all of its
seluruh aset keuangan yang terpengaruh jika dan financial assets when and only, its business model
hanya jika, model bisnis untuk pengelolaan aset for managing those financial assets changes.
keuangan berubah.
Liabilitas keuangan Financial liabilities
Liabilitas keuangan diklasifikasikan ke dalam Financial liabilities are classified into the following
kategori berikut pada saat pengakuan awal: categories on initial recognition:
i. Liabilitas keuangan yang diukur nilai wajar i. Financial liabilities held at fair value through
melalui laba rugi baik yang dipersyaratkan profit or loss are either mandatorily classified
diukur pada nilai wajar melalui laba rugi atau fair value through profit or loss or irrevocably
ditetapkan pada nilai wajar pada saat designated at fair value through profit or loss
pengakuan awal; dan at initial recognition; and
ii. Liabilitas keuangan yang tidak diukur pada nilai ii. Financial liabilities that are not classified as
wajar melalui laba rugi, akan diklasifikasikan financial liabilities held at fair value through
sebagai liabilitas dengan biaya perolehan profit or loss are classified as financial
diamortisasi. liabilities held at amortized cost.
LAMPIRAN – 5/21 – SCHEDULE
606 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 609
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.2. Pengakuan f.2. Recognition
Bank dan Entitas Anak pada awalnya mengakui The Bank and its Subsidiary initially recognize
transaksi keuangan pada tanggal dimana financial instrument transactions on the date at
Bank/Entitas Anak menjadi suatu pihak dalam which the Bank/Subsidiary become a party to
perjanjian kontraktual instrumen tersebut. Bank the contractual agreement of the instrument.
mengakui pembelian dan penjualan aset The Bank recognized purchases and sales of
keuangan pada tanggal perdagangan sementara financial assets on the trade date while the
Entitas Anak mengakuinya pada tanggal subsidiary recognized it on the settlement date.
penyelesaian.
Pada saat pengakuan awal, aset keuangan atau A financial asset or financial liability is initially
liabilitas keuangan diukur pada nilai wajar measured at fair value plus (for an item not
ditambah (untuk item yang tidak diukur pada nilai subsequently measured at fair value through
wajar melalui laba rugi setelah pengakuan awal) profit or loss) transaction costs that are directly
biaya transaksi yang dapat diatribusikan secara attributable to financial assets acquisition or
langsung atas perolehan aset keuangan atau financial liabilities issuance. The subsequent
penerbitan liabilitas keuangan. Pengukuran aset measurement of financial assets and financial
keuangan dan liabilitas keuangan setelah liabilities depends on their classification.
pengakuan awal tergantung pada klasifikasi aset
keuangan dan liabilitas keuangan tersebut.
Biaya transaksi hanya meliputi biaya-biaya yang Transaction costs include only those costs that
dapat diatribusikan secara langsung untuk are directly attributable to the acquisition of a
perolehan suatu aset keuangan atau penerbitan financial asset or issuance of a financial liability
suatu liabilitas keuangan dan merupakan biaya and are incremental costs that would not have
tambahan yang tidak akan terjadi apabila been incurred if the financial instruments had
instrumen keuangan tersebut tidak diperoleh atau not been acquired or issued.
diterbitkan.
Aset keuangan yang diukur pada nilai wajar Financial assets measured at fair value through
melalui laporan laba rugi pada awalnya dicatat profit or loss are initially recognized at fair value,
sebesar nilai wajar dan biaya transaksinya and transaction costs are expensed in the profit
dibebankan pada laporan laba rugi. Aset or loss. Financial assets measured at fair value
keuangan yang diukur pada nilai wajar melalui through other comprehensive income and
penghasilan komprehensif lain dan aset financial assets measured at fair value through
keuangan yang diukur pada nilai wajar melalui profit or loss are subsequently measured at fair
laporan laba rugi selanjutnya dicatat sebagai nilai value. Financial assets classified as amortized
wajar. Aset keuangan yang diklasifikasikan cost are measured at amortized cost using the
sebagai biaya perolehan diamortisasi dicatat effective interest rate method.
sebesar biaya perolehan diamortisasi dengan
menggunakan metode suku bunga efektif.
Untuk liabilitas keuangan, biaya transaksi For financial liabilities, transaction costs are
dikurangkan dari jumlah utang yang diakui pada deducted from the amount of debt initially
pengakuan awal liabilitas. Biaya transaksi recognized. Such transactions costs are
tersebut diamortisasi selama umur instrumen amortized over the terms of the instruments
berdasarkan metode suku bunga efektif dan based on the effective interest rate method and
dicatat sebagai bagian dari beban bunga. are recorded as part of interest expense.
LAMPIRAN – 5/22 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 607
Page 610
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.3. Penghentian pengakuan f.3. Derecognition
Bank dan Entitas Anak menghentikan pengakuan The Bank and Subsidiary derecognize a
aset keuangan pada saat hak kontraktual atas financial asset when the contractual rights to the
arus kas yang berasal dari aset keuangan cash flows from the asset expire, or when the
tersebut berakhir, atau pada saat Bank dan Bank and Subsidiary transfer the rights to
Entitas Anak mentransfer seluruh hak untuk receive the contractual cash flows on the
menerima arus kas kontraktual dari aset financial asset in a transaction in which
keuangan dalam transaksi dimana Bank dan substantially all the risks and rewards of
Entitas Anak secara substansial telah ownership of the financial asset are transferred.
mentransfer seluruh risiko dan manfaat atas Any interest in transferred financial asset that is
kepemilikan aset keuangan yang ditransfer. created or retained by the Bank and Subsidiary
Setiap hak atau liabilitas atas aset keuangan is recognized as a separate asset or liability.
yang ditransfer yang timbul atau yang masih
dimiliki oleh Bank dan Entitas Anak diakui
sebagai aset atau liabilitas secara terpisah.
Bank dan Entitas Anak menghentikan pengakuan The Bank and Subsidiary derecognize a
liabilitas keuangan pada saat kewajiban yang financial liability when its contractual obligations
ditetapkan dalam kontrak dilepaskan atau are discharged or cancelled or expired.
dibatalkan atau kadaluwarsa.
Bank dan Entitas Anak melakukan transaksi The Bank and Subsidiary enter into transactions
dimana Bank mentransfer aset yang diakui pada whereby they transfer assets recognized on
laporan posisi keuangan konsolidasian, tetapi their consolidated statements of financial
masih memiliki semua risiko dan manfaat atas position, but retain all risks and rewards of the
aset yang ditransfer atau bagian darinya. Jika transferred assets or a portion of them. If all or
seluruh atau secara substansial seluruh risiko substantially all risks and rewards are retained,
dan manfaat masih dimiliki, maka aset yang then the transferred assets are not
ditransfer tidak dihentikan pengakuannya dari derecognized from the consolidated statements
laporan posisi keuangan konsolidasian. of financial position.
Dalam transaksi dimana Bank dan Entitas Anak In transactions in which the Bank and Subsidiary
secara substansial tidak memiliki atau tidak neither retain nor transfer substantially all the
mentransfer seluruh risiko dan manfaat dari risks and rewards of ownership of a financial
kepemilikan aset keuangan, Bank dan Entitas asset, the Bank and Subsidiary derecognize the
Anak menghentikan pengakuan aset tersebut jika asset if they do not retain control over the
Bank dan Entitas Anak tidak lagi memiliki assets. The rights and obligations retained in the
pengendalian atas aset tersebut. Hak dan transfer are recognized separately as assets
kewajiban yang masih dimiliki dalam transfer and liabilities as appropriate. In transfers in
tersebut diakui secara terpisah sebagai aset atau which control over the asset is retained, the
liabilitas. Dalam transfer dimana pengendalian Bank and Subsidiary continue to recognize the
atas aset masih dimiliki, Bank dan Entitas Anak asset to the extent of their continuing
mengakui aset yang ditransfer tersebut sebesar involvement, determined by the extent to which
keterlibatan berkelanjutan, dimana tingkat they are exposed to changes in the value of the
keberlanjutan Bank dan Entitas Anak dalam aset transferred asset.
yang ditransfer adalah sebesar perubahan nilai
aset yang ditransfer.
LAMPIRAN – 5/23 – SCHEDULE
608 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 611
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.4. Saling hapus f.4. Offsetting
Aset dan liabilitas keuangan dapat saling hapus Financial assets and liabilities are set off and the
dan nilai netonya disajikan dalam laporan posisi net amount is presented in the consolidated
keuangan konsolidasian jika, dan hanya jika, statements of financial position when, and only
Bank dan Entitas Anak memiliki hak yang when, the Bank and Subsidiary have a legal
berkekuatan hukum untuk melakukan saling right to set off the amounts and intend either to
hapus atas jumlah yang telah diakui tersebut dan settle on a net basis or realize the asset and
berniat untuk menyelesaikan secara neto atau settle the liability simultaneously. The legally
untuk merealisasikan aset dan menyelesaikan enforceable right must not be contingent on
liabilitasnya secara simultan. Hak yang future events and must be enforceable in the
berkekuatan hukum bukan bersifat kontinjen normal course of business and in the event of
untuk suatu peristiwa dimasa depan dan harus default, insolvency or Bankruptcy of the Bank or
dapat dipaksakan secara hukum baik dalam the counterparty.
situasi bisnis yang normal, atau dalam peristiwa
gagal bayar, atau peristiwa kepailitan atau
kebangkrutan, dari Bank atau pihak lawan.
Pendapatan dan beban disajikan dalam jumlah Income and expense are presented on a net
neto hanya jika diperkenankan oleh standar basis only when permitted by accounting
akuntansi. standards.
Jumlah yang tidak di saling hapus dalam laporan Amounts not offset in the statement of
posisi keuangan konsolidasian adalah consolidated financial position are related to:
sehubungan dengan:
i. Jumlah yang dapat di saling hapus dari i. The counterparties’ offsetting exposures
transaksi pihak lawan dengan Bank dimana with the Bank where the right to set-off is
hak saling hapus hanya berkekuatan only enforceable in the event of default,
hukum pada peristiwa gagal bayar, atau insolvency or Bankruptcy of the
peristiwa kepailitan atau kebangkrutan dari counterparties; and
pihak lawan; dan
ii. Kas dan surat berharga yang diterima dari ii. Cash and securities that are received
atau dijaminkan oleh pihak lawan. from or pledged with counterparties.
f.5. Pengukuran biaya perolehan diamortisasi f.5. Amortized cost measurement
Biaya perolehan diamortisasi dari aset keuangan The amortized cost of a financial asset or
atau liabilitas keuangan adalah jumlah aset atau financial liability is the amount at which the
liabilitas keuangan yang diukur pada saat financial asset or liability is measured at initial
pengakuan awal dikurangi pembayaran pokok, recognition, minus principal repayments, plus or
ditambah atau dikurangi dengan amortisasi minus the cumulative amortization using the
kumulatif dengan menggunakan metode suku effective interest method of any difference
bunga efektif yang dihitung dari selisih antara nilai between the initial amount recognized and the
awal dan nilai jatuh temponya, dan dikurangi maturity amount, minus allowance for expected
cadangan kerugian kredit ekspektasian. credit losses.
LAMPIRAN – 5/24 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 609
Page 612
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.6. Pengukuran nilai wajar f.6. Fair value measurement
Entitas mengukur nilai wajar suatu aset atau An entity shall measure the fair value of an
liabilitas menggunakan asumsi yang akan asset or a liability using the assumptions that
digunakan pelaku pasar ketika menentukan market participants would use when pricing the
harga aset atau liabilitas tersebut, dengan asset or liability, assuming that market
asumsi bahwa pelaku pasar bertindak dalam participants act in their economic best interest.
kepentingan ekonomik terbaiknya.
Jika pasar untuk suatu instrumen keuangan tidak If a market for a financial instrument is not
aktif, Bank dan Entitas Anak menentukan nilai active, the Bank and Subsidiary establish fair
wajar dengan menggunakan teknik penilaian. value using a valuation technique. Valuation
Teknik penilaian mencakup penggunaan techniques include using recent arm’s length
transaksi pasar terkini yang dilakukan secara transactions between knowledgeable, willing
wajar oleh pihak-pihak yang memahami, parties and if available, reference to the current
berkeinginan, dan jika tersedia, referensi atas fair value of other instruments that are
nilai wajar terkini dari instrumen lain yang secara substantially the same, discounted cash flows
substansial sama, penggunaan analisa arus kas analysis, and option pricing models. The
yang didiskonto, dan penggunaan model chosen valuation technique makes maximum
penetapan harga opsi (option pricing model). use of market inputs, relies as little as possible
Teknik penilaian yang dipilih memaksimalkan on estimates specific to the Bank and
penggunaan input pasar, dan meminimalkan Subsidiary, incorporates all factors that market
penggunaan estimasi yang bersifat spesifik dari participants would consider in setting a price,
Bank dan Entitas Anak, memasukkan semua and is consistent with accepted economic
faktor yang akan dipertimbangkan oleh para methodologies for pricing financial instruments.
pelaku pasar dalam menetapkan suatu harga
dan konsisten dengan metodologi ekonomi yang
diterima dalam penetapan harga instrumen
keuangan.
Input yang digunakan dalam teknik penilaian Inputs to valuation techniques reasonably
secara memadai mencerminkan ekspektasi represent market expectations and measures of
pasar dan ukuran atas faktor risiko dan the risk-return factors inherent in the financial
pengembalian (risk-return) yang melekat pada instrument. The Bank and Subsidiary calibrate
instrumen keuangan. Bank dan Entitas Anak valuation techniques and test them for validity
mengkalibrasi teknik penilaian dan menguji using prices from observable current market
validitasnya dengan menggunakan harga-harga transactions in the same instrument or based on
dari transaksi pasar terkini yang dapat other available observable market data.
diobservasi untuk instrumen yang sama atau
atas dasar data pasar lainnya yang tersedia yang
dapat diobservasi.
LAMPIRAN – 5/25 – SCHEDULE
610 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 613
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.6. Pengukuran nilai wajar (lanjutan) f.6. Fair value measurement (continued)
Bukti terbaik atas nilai wajar instrumen The best evidence of the fair value of a
keuangan pada saat pengakuan awal adalah financial instrument at initial recognition is the
harga transaksi, yaitu nilai wajar dari transaction price, i.e., the fair value of the
pembayaran yang diberikan atau diterima, consideration given or received, unless the
kecuali jika nilai wajar dari instrumen keuangan fair value of that instrument is evidenced by
tersebut ditentukan dengan perbandingan comparison with other observable current
terhadap transaksi pasar terkini yang dapat market transactions in the same instrument
diobservasi dari suatu instrumen yang sama (i.e., without modification or repackaging) or
(yaitu tanpa modifikasi atau pengemasan based on a valuation technique whose
ulang) atau berdasarkan suatu teknik penilaian variables include only data from observable
yang variabelnya hanya menggunakan data markets.
dari pasar yang dapat diobservasi.
Jika harga transaksi memberikan bukti terbaik When transaction price provides the best
atas nilai wajar pada saat pengakuan awal, evidence of fair value at initial recognition, the
maka instrumen keuangan pada awalnya financial instrument is initially measured at
diukur pada harga transaksi dan selisih antara the transaction price and any difference
harga transaksi dan nilai yang sebelumnya between this price and the value initially
diperoleh dari model penilaian diakui dalam obtained from a valuation model is
laba rugi setelah pengakuan awal tergantung subsequently recognized profit or loss
pada masing-masing fakta dan keadaan dari depending on the individual facts and
transaksi tersebut namun tidak lebih lambat circumstances of the transaction but not later
dari saat penilaian tersebut didukung than when the valuation is supported wholly
sepenuhnya oleh data dari pasar yang dapat by observable market data or the transaction
diobservasi atau saat transaksi ditutup. is closed out.
Nilai wajar mencerminkan risiko kredit atas Fair values reflect the credit risk of the
instrumen keuangan dan termasuk instrument and include adjustments to take
penyesuaian yang dilakukan untuk into account the credit risk of the
memasukkan risiko kredit Bank/Entitas Anak Bank/Subsidiary and counterparty where
dan pihak lawan, mana yang lebih sesuai. appropriate. Estimated fair values obtained
Estimasi nilai wajar yang diperoleh dari model from models are adjusted for any other
penilaian akan disesuaikan untuk factors, such as liquidity risk or model
mempertimbangkan faktor-faktor lainnya, uncertainties, to the extent that the Bank and
seperti risiko likuiditas atau ketidakpastian Subsidiary believe a third-party market
model penilaian, sepanjang Bank dan Entitas participation would take them into account in
Anak yakin bahwa pelaku pasar pihak ketiga pricing a transaction.
akan mempertimbangkan faktor-faktor tersebut
dalam penetapan harga suatu transaksi.
LAMPIRAN – 5/26 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 611
Page 614
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
f. Aset dan liabilitas keuangan (lanjutan) f. Financial assets and liabilities (continued)
f.6. Pengukuran nilai wajar (lanjutan) f.6. Fair value measurement (continued)
Aset keuangan dan posisi long diukur Financial assets and long positions are
menggunakan harga penawaran, liabilitas measured at a bid price, financial liabilities
keuangan dan posisi short diukur and short positions are measured at an ask
menggunakan harga permintaan. Jika Bank price. Where the Bank and Subsidiary have
dan Entitas Anak memiliki posisi aset dan positions with offsetting risk, mid-market
liabilitas dimana risiko pasarnya saling hapus, prices are used to measure the offsetting risk
maka Bank dan Entitas Anak dapat positions and a bid or ask price adjustment is
menggunakan nilai tengah dari harga pasar applied only to the net open position as
sebagai dasar untuk menentukan nilai wajar appropriate.
posisi risiko yang saling hapus tersebut dan
menerapkan penyesuaian terhadap harga
penawaran atau harga permintaan terhadap
posisi terbuka neto (net open position), mana
yang lebih sesuai.
• Bank dan Entitas Anak mengklasifikasikan • The Bank and Subsidiary classify fair value
pengukuran nilai wajar dengan measurements using a fair value hierarchy
menggunakan hirarki nilai wajar yang that reflects the significance of the inputs
mencerminkan signifikansi input yang used in making the measurements. The fair
digunakan dalam melakukan pengukuran. value hierarchy shall have the followings
Hirarki nilai wajar memiliki tingkat sebagai levels:
berikut:
i. Harga kuotasian (tidak disesuaikan) i. Quoted prices (unadjusted) in active
dalam pasar aktif untuk aset dan liabilitas markets for identical assets or liabilities
yang identik (Tingkat 1); (Level 1);
ii. Input selain harga kuotasian yang ii. Inputs other than quoted prices included
termasuk dalam Tingkat 1 yang dapat within Level 1 that are observable for the
diobservasi untuk aset dan liabilitas baik asset or liability either directly (example,
secara langsung (misalnya harga) atau price) or indirectly (example, derived
secara tidak langsung (misalnya derivasi from prices) (Level 2); and
dari harga) (Tingkat 2); dan
iii. Input untuk aset dan liabilitas yang bukan iii. Inputs for the asset and liability that are
berdasarkan data pasar yang dapat not based on observable market data
diobservasi (input yang tidak dapat (unobservable inputs) (Level 3).
diobservasi) (Tingkat 3).
LAMPIRAN – 5/27 – SCHEDULE
612 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 615
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
g. Klasifikasi dan reklasifikasi instrumen keuangan g. Classification and reclassification of financial
instruments
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and liabilities
Bank dan Entitas Anak mengklasifikasikan The Bank and Subsidiary classify the financial
instrumen keuangan ke dalam klasifikasi tertentu instruments into classes that reflect the nature of
yang mencerminkan sifat dari informasi dan information and take into account the
mempertimbangkan karakteristik dari instrumen characteristics of those financial instruments. The
keuangan tersebut. Klasifikasi ini dapat dilihat pada classification can be seen in the table below:
tabel berikut:
Golongan (ditentukan oleh Bank
dan Entitas Anak)/Class
Kategori instrumen keuangan/ (as determined by the Bank and
Category of financial instrument Subsidiary) Sub-golongan/Sub-classes
Aset keuangan yang diukur Efek-efek/Marketable securities
pada nilai wajar melalui laba Obligasi Pemerintah/Government Bonds
rugi/Financial assets at fair
Tagihan derivatif - Tidak terkait lindung nilai/Derivative receivables - Non hedging
value through profit or loss related
Kas/Cash
Giro pada Bank Indonesia/Current accounts with Bank Indonesia
Giro pada bank lain/Current accounts with other banks
Penempatan pada bank lain dan Bank Indonesia/Placements with other banks and
Bank Indonesia
Aset keuangan diukur pada
Pinjaman yang diberikan/Loans
biaya perolehan
Efek-efek/Marketable securities
diamortisasi/Financial assets
Aset at amortized cost Efek-efek yang dibeli dengan janji dijual kembali/Securities purchased under resale
keuangan/ agreements
Financial Piutang pembiayaan konsumen/Consumer financing receivables
assets Piutang sewa pembiayaan/Finance lease receivables
Tagihan akseptasi/Acceptance receivables
Beban dibayar dimuka dan aset lain-lain/Prepayments and other assets
Aset keuangan yang diukur
pada nilai wajar melalui Efek-efek/Marketable securities
penghasilan komprehensif
lain/Financial assets at fair Obligasi Pemerintah/Government Bonds
value through other
comprehensive income Investasi dalam saham/Investments in shares
Tagihan derivatif - Terkait lindung nilai atas
Derivatif lindung nilai/Hedging Lindung nilai atas arus kas/Hedging arus kas/Derivative receivables -
derivatives instruments in cash flow hedges Hedging instruments in cash flow hedges
related
Liabilitas keuangan yang Liabilitas derivatif - Bukan lindung
Liabilitas keuangan dalam
diukur pada nilai wajar nilai/Derivatives liabilities - Non hedging
kelompok
melalui laba rugi/Financial Liabilitas derivatif - terkait lindung nilai atas
diperdagangkan/Financial liabilities
liabilities at fair value through arus kas/Derivative liabilities - Hedging
held for trading
profit or loss instruments in cash flow hedges related
Simpanan nasabah/Deposits from customers
Liabilitas Simpanan dari bank lain/Deposits from other banks
keuangan/ Utang akseptasi/Acceptance payables
Financial Liabilitas keuangan yang Efek yang dijual dengan janji dibeli kembali/ Securities sold under repurchase
liabilities diukur dengan biaya agreements
perolehan Utang obligasi/Bonds payable
diamortisasi/Financial Sukuk mudharabah/Mudharabah bonds
liabilities at amortized cost Pinjaman yang diterima/Borrowings
Pinjaman subordinasi/Subordinated loan
Beban yang masih harus dibayar dan liabilitas lain-lain/Accrued expenses and
other liabilities
LAMPIRAN – 5/28 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 613
Page 616
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
g. Klasifikasi dan reklasifikasi instrumen keuangan g. Classification and reclassification of financial
(lanjutan) instruments (continued)
Reklasifikasi aset keuangan Reclassification of financial assets
Bank dan Entitas Anak diperkenankan untuk The Bank and Subsidiary shall reclassify financial
mereklasifikasi atas aset keuangan jika dan hanya assets when and only when its business model for
jika terdapat perubahan model bisnis dalam managing those assets changes. The
mengelola aset keuangan tersebut. Reklasifikasi reclassification takes place from the start of the first
dilakukan pada awal tahun pelaporan setelah reporting year following the change. Such changes
terjadinya perubahan. Perubahan tersebut are expected to be very infrequent and none
diharapkan frekuensinya sangat rendah dan tidak occurred during this year.
ada yang terjadi pada tahun ini.
h. Giro pada Bank Indonesia dan bank lain h. Current accounts with Bank Indonesia and
other banks
Giro pada Bank Indonesia dan giro pada bank lain Subsequent to initial recognition, current accounts
setelah pengakuan awal dicatat pada biaya with Bank Indonesia and other banks were carried
perolehan diamortisasi dengan menggunakan at amortized cost using effective interest rate
metode suku bunga efektif pada laporan posisi method in the consolidated statements of financial
keuangan konsolidasian. position.
i. Penempatan pada bank lain dan Bank Indonesia i. Placements with other banks and Bank
Indonesia
Penempatan pada bank lain dan Bank Indonesia Placements with other banks and Bank Indonesia
pada awalnya diukur pada nilai wajar ditambah biaya are initially measured at fair value plus incremental
transaksi yang dapat diatribusikan secara langsung, directly attributable transaction costs, and
dan setelah pengakuan awal diukur pada biaya subsequently measured at their amortized cost
perolehan diamortisasi dengan menggunakan using the effective interest rate method.
metode suku bunga efektif.
j. Efek-efek dan Obligasi Pemerintah j. Marketable securities and Government Bonds
Efek-efek terdiri dari Sertifikat BI (“SBI”), Sekuritas Marketable securities consist of BI Certificates
Rupiah Bank Indonesia (“SRBI”), wesel ekspor, (“SBI”), Bank Indonesia Rupiah Securities
obligasi (termasuk obligasi korporasi yang (“SRBI”), export bills, bonds (including corporate
diperdagangkan di bursa efek, obligasi syariah bonds traded on the stock exchange, ijarah sharia
ijarah, dan obligasi syariah mudharabah), fixed rate bonds, and mudharabah sharia bonds), fixed rate
notes, promissory notes, dan efek utang lainnya. notes, promissory notes, and other debt securities.
Diukur pada biaya perolehan amortisasi Measured at amortized cost
Efek-efek yang diukur pada biaya perolehan After initial recognition, securities held at amortized
diamortisasi, setelah pengakuan awal, diamortisasi cost is amortized using the effective interest rate.
dengan menggunakan suku bunga efektif.
LAMPIRAN – 5/29 – SCHEDULE
614 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 617
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
j. Efek-efek dan Obligasi Pemerintah (lanjutan) j. Marketable securities and Government Bonds
(continued)
Diukur pada FVOCI Measured at FVOCI
Efek-efek yang diukur pada FVOCI, setelah Securities held at FVOCI are subsequently carried
pengakuan awal akan diukur pada nilai wajar at fair value with all unrealized gains and losses
dimana keuntungan dan kerugian yang belum arising from changes in fair value recognized in
direalisasi atas perubahan nilai wajar akan diakui other comprehensive income and accumulated in
sebagai penghasilan komprehensif lain dan separate component in other equity component.
diakumulasikan pada komponen terpisah pada On derecognition, the cumulative fair value gains
komponen ekuitas lainnya. Pada saat penghentian or losses, net of the cumulative expected credit
pengakuan, akumulasi keuntungan atau kerugian loss reserve, are transferred to the profit or loss.
nilai wajar, bersih setelah akumulasi cadangan
kerugian kredit ekspektasian, ditransfer ke laba rugi.
Diukur pada FVTPL Measured at FVTPL
Efek-efek yang dipersyaratkan diukur atas nilai For securities mandatorily held at fair value through
wajar melalui laba rugi, setelah pengakuan awal profit or loss are subsequently carried at fair value
akan diukur pada nilai wajar dimana keuntungan with gains or losses arising from the changes in fair
dan kerugian yang timbul akibat perubahan nilai value recorded in other operating income.
wajar dicatat dalam pendapatan operasional
lainnya.
Bank menerapkan persyaratan penurunan nilai The Bank apply the impairment requirements for
untuk pengakuan dan pengukuran penyisihan the recognition and measurement of a loss
kerugian untuk aset keuangan yang diukur pada allowance for financial assets that are measured at
nilai wajar melalui penghasilan komprehensif lain, fair value through other comprehensive income,
namun penyisihan kerugian diakui dalam however, the loss allowance shall be recognized in
penghasilan komprehensif lainnya dan tidak other comprehensive income and shall not reduce
mengurangi jumlah tercatat aset keuangan dalam the carrying amount of the financial asset in the
laporan posisi keuangan. statement of financial position.
Bank dan Entitas Anak menentukan klasifikasi The Bank and Subsidiary determine the
investasi pada sukuk berdasarkan model usaha classification of their investment in sukuk based on
dengan mengacu pada PSAK 410, “Akuntansi business model in accordance with PSAK 410,
Sukuk” sebagai berikut: “Accounting for Sukuk” as follows:
• Diukur pada biaya perolehan • Acquisition cost
Apabila investasi tersebut dimiliki dalam suatu If the investment is held within a business
model usaha yang bertujuan utama untuk model that aims to acquire assets in order to
memperoleh arus kas kontraktual dan terdapat collect contractual cash flows and there is a
persyaratan kontraktual dalam menentukan contractual requirement to determine the
tanggal tertentu pembayaran pokok dan/atau specific date of principal payments and/or the
hasilnya. result.
Pada saat pengukuran awal, investasi dicatat At the initial measurement, the investment is
sebesar biaya perolehan dan biaya perolehan ini recorded at acquisition cost which includes the
termasuk biaya transaksi. Setelah pengakuan transaction cost. After the initial recognition, the
awal, investasi pada sukuk ini diukur pada nilai investment in sukuk is measured at amortized
perolehan yang diamortisasi. Selisih antara cost. The difference between acquisition cost
biaya perolehan dan nilai nominal diamortisasi and nominal value is amortized using straight-
secara garis lurus selama jangka waktu line method during the period of the sukuk
instrumen sukuk. instrument.
LAMPIRAN – 5/30 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 615
Page 618
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
j. Efek-efek dan Obligasi Pemerintah (lanjutan) j. Marketable securities and Government Bonds
(continued)
• Nilai wajar melalui laba rugi • Fair value through profit or loss
Pada saat pengakuan awal, investasi pada At the initial recognition, the investment in
sukuk dalam klasifikasi ini dicatat sebesar harga sukuk is presented at acquisition cost which
perolehan, namun harga perolehan tersebut does not include transaction cost.
tidak termasuk biaya transaksi.
Setelah pengakuan awal, investasi pada sukuk After initial recognition, the investment in sukuk
diakui pada nilai wajar. Selisih antara nilai wajar is recognized at-fair-value. The difference
dan jumlah tercatat diakui dalam laba rugi. between fair value and recorded amount is
recognized in profit or loss.
• Nilai wajar melalui penghasilan komprehensif • Fair value through other comprehensive
lain income
Pada saat pengakuan awal, investasi pada At the initial recognition, the investment in sukuk
sukuk dalam klasifikasi ini dicatat sebesar harga is presented at acquisition cost which includes
perolehan dan biaya perolehan ini termasuk transaction cost.
biaya transaksi.
Setelah pengakuan awal, investasi pada sukuk After initial recognition, the investment in sukuk
diakui pada nilai wajar. Selisih antara nilai wajar is recognized at-fair-value. The difference
dan jumlah tercatat diakui dalam penghasilan between fair value and recorded amount is
komprehensif lain. Selisih antara biaya recognized in other comprehensive income.
perolehan dan nilai nominal diamortisasi secara The difference between acquisition cost and
garis lurus selama jangka waktu instrumen nominal value is amortized using straight-line
sukuk dan diakui dalam laba rugi. method during the period of the sukuk
instrument and recognized in profit or loss.
k. Efek-efek yang dijual dengan janji dibeli kembali k. Securities sold under repurchase agreements
dan efek-efek yang dibeli dengan janji dijual and securities purchased under resale
kembali agreements
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase agreements are
merupakan transaksi dimana Bank menjual aset transactions in which the Company sold a financial
keuangan dan secara simultan masuk ke dalam asset and simultaneously enters into an agreement
perjanjian untuk membeli kembali aset (atau aset to repurchase the asset (or substantially similar
yang serupa secara substansial) dengan harga tetap asset) at a fixed price on a future date.
di masa depan.
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under repurchase agreements
(repo) disajikan sebagai liabilitas sebesar harga (repo) are presented as liabilities and stated at the
pembelian kembali yang disepakati dikurangi selisih agreed repurchase price less the difference
antara harga jual dan harga pembelian kembali yang between the selling price and agreed repurchase
disepakati. Selisih antara harga jual dan harga price. The difference between the selling price and
pembelian kembali yang disepakati tersebut agreed repurchase price is amortized using
diamortisasi dengan menggunakan metode suku effective interest rate method as interest expense
bunga efektif sebagai beban bunga selama jangka over the period commencing from the selling date
waktu sejak efek-efek tersebut dijual hingga saat to the repurchase date.
dibeli kembali.
LAMPIRAN – 5/31 – SCHEDULE
616 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 619
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
k. Efek-efek yang dijual dengan janji dibeli kembali k. Securities sold under repurchase agreements
dan efek-efek yang dibeli dengan janji dijual and securities purchased under resale
kembali (lanjutan) agreements (continued)
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under resale agreements
(reverse repo) disajikan sebagai tagihan sebesar (reverse repo) are presented as receivables and
harga jual kembali efek-efek yang disepakati stated at the agreed resale price less the difference
dikurangi selisih antara harga beli dan harga jual between the purchase price and the agreed resale
kembali yang disepakati. Selisih antara harga beli price. The difference between the purchase price
dan harga jual kembali yang disepakati tersebut and the agreed resale price is amortized using the
diamortisasi dengan metode suku bunga efektif effective interest method as interest income over the
sebagai pendapatan bunga selama jangka waktu period commencing from the acquisition date to the
sejak efek-efek tersebut dibeli hingga dijual kembali. resale date.
l. Instrumen keuangan derivatif l. Derivative financial instruments
Bank dan Entitas Anak melakukan berbagai The Bank and Subsidiary enter into a variety of
transaksi instrumen keuangan derivatif untuk derivative financial instruments to manage its
mengelola eksposur atas risiko suku bunga dan exposure to interest rate and foreign exchange rate
risiko perubahan nilai tukar mata uang asing risks, using foreign exchange forward contracts and
menggunakan kontrak valuta berjangka dan swap interest rate swaps.
suku bunga.
Derivatif awalnya diakui pada nilai wajar pada Derivatives are initially recognized at fair value at
tanggal kontrak dilakukan dan selanjutnya diukur the date the derivative contracts are entered into
kembali pada nilai wajarnya pada setiap akhir and are subsequently remeasured to their fair
periode pelaporan. Dampak keuntungan atau values at the end of each reporting period. The
kerugian diakui segera di laba rugi kecuali jika resulting gain or loss is recognized in profit or loss
derivatif ditetapkan dan efektif sebagai instrumen immediately unless the derivative is designated and
lindung nilai di mana saat pengakuan di laba rugi effective as hedging instrument in which event the
bergantung pada sifat dari hubungan lindung nilai. timing of the recognition in profit or loss depends on
the nature of the hedge relationship.
Derivatif dengan nilai wajar positif diakui sebagai A derivative with a positive fair value is recognized
aset keuangan sedangkan derivatif dengan nilai as a financial asset whereas a derivative with a
wajar negatif diakui sebagai liabilitas keuangan. negative fair value is recognized as a financial
Derivatif tidak saling hapus dalam laporan keuangan liability. Derivatives are not offset in the financial
kecuali Bank dan Entitas Anak memiliki hak yang statements unless the Bank and Subsidiary have
memiliki kekuatan hukum dan intensi untuk saling both a legally enforceable right and intention to
hapus. offset.
Derivatif melekat Embedded derivatives
Derivatif melekat merupakan komponen dari kontrak An embedded derivative is a component of a hybrid
hibrida yang juga termasuk kontrak non-derivatif contract that also includes a non-derivative host -
induk dengan dampak arus kas dari instrumen with the effect that some of the cash flows of the
gabungan bervariasi dengan cara yang mirip dengan combined instrument vary in a way similar to a
derivatif yang berdiri sendiri. stand-alone derivative.
Derivatif yang melekat pada kontrak hibrida dengan Derivatives embedded in hybrid contracts with a
aset keuangan utama dalam ruang lingkup PSAK financial asset host within the scope of PSAK 109
109 tidak dipisahkan. Seluruh kontrak hibrida are not separated. The entire hybrid contract is
diklasifikasikan dan selanjutnya diukur sebagai biaya classified and subsequently measured as either
perolehan diamortisasi atau nilai wajar yang sesuai. amortized cost or fair value as appropriate.
LAMPIRAN – 5/32 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 617
Page 620
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
l. Instrumen keuangan derivatif (lanjutan) l. Derivative financial instruments (continued)
Derivatif melekat (lanjutan) Embedded derivatives (continued)
Derivatif yang melekat pada kontrak hibrida dengan Derivatives embedded in hybrid contracts with
kontrak utama yang bukan merupakan aset hosts that are not financial assets within the scope
keuangan dalam ruang lingkup PSAK 109 of PSAK 109 (e.g., financial liabilities) are treated as
(misalnya, liabilitas keuangan) diperlakukan separate derivatives when they meet the definition
sebagai derivative terpisah jika definisi derivatif of a derivative, their risks and characteristics are not
tersebut terpenuhi, risiko dan karakteristiknya tidak closely related to those of the host contracts and the
terkait erat dengan kontrak utama dan kontrak host contracts are not measured at FVTPL.
utama tidak diukur dengan FVTPL.
Jika kontrak hibrida tersebut merupakan liabilitas If the hybrid contract is a quoted financial liability,
keuangan yang memiliki kuotasi harga, Bank tidak instead of separating the embedded derivative, the
memisahkan derivatif yang melekat, tapi secara Bank generally designates the whole hybrid
umum menetapkan seluruh kontrak hibrida sebagai contract at FVTPL.
FVTPL.
Akuntansi lindung nilai Hedge accounting
Entitas Anak menerapkan akuntansi lindung nilai Subsidiary applied cash flow hedge accounting. On
arus kas. Pada penetapan awal lindung nilai, Entitas initial designation of the hedge, Subsidiary formally
Anak secara formal mendokumentasikan hubungan document the relationship between the hedging
antara instrumen lindung nilai dengan item yang instruments and hedged items, including the risk
dilindung nilai, termasuk tujuan manajemen risiko management objective and strategy in undertaking
dan strategi dalam melakukan transaksi lindung the hedge transaction, together with the method
nilai, bersamaan dengan metode yang akan that will be used to assess the effectiveness of the
digunakan untuk menilai efektivitas dari hubungan hedging relationship. Subsidiary make an
lindung nilai tersebut. Entitas Anak melakukan assessment, both at the inception of the hedge
penilaian, baik pada awal hubungan lindung nilai relationship as well as on an ongoing basis, whether
maupun secara berkelanjutan, untuk menentukan the hedging instruments are expected to be “highly
apakah instrumen lindung nilai tersebut dapat effective” in offsetting the changes in the cash flows
secara “sangat efektif” menutupi perubahan arus of the respective hedged items.
kas dari item yang dilindung nilai.
Perubahan nilai wajar instrumen derivatif yang tidak Changes in fair value of derivative instruments that
memenuhi kriteria lindung nilai dicatat dalam laba do not qualify for hedge accounting are recognized
rugi tahun berjalan. Jika instrumen derivatif to the current year profit or loss. If derivative
dirancang dan memenuhi syarat akuntansi lindung instruments are designated and qualify for hedge
nilai, perubahan nilai wajar yang berkaitan dengan accounting, changes in fair value of derivative
lindung nilai diakui sebagai penyesuaian terhadap instruments are recorded as adjustments to the
item yang dilindungi nilainya dalam penghasilan hedged items in the current year other
komprehensif lain tahun berjalan atau disajikan comprehensive income or in the equity, depending
dalam ekuitas, tergantung pada jenis transaksi dan on the type of hedge transaction represented and
efektifitas dari lindung nilai tersebut. the effectiveness of the hedge.
LAMPIRAN – 5/33 – SCHEDULE
618 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 621
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
l. Instrumen keuangan derivatif (lanjutan) l. Derivative financial instruments (continued)
Akuntansi lindung nilai (lanjutan) Hedge accounting (continued)
Pada saat derivatif dirancang sebagai instrumen When a derivative is designated as the hedging
lindung nilai untuk melindungi perubahan arus kas instrument to hedge the variability in cash flows
yang dapat diatribusikan pada risiko tertentu dari attributable to a particular risk associated with a
aset atau liabilitas yang diakui atau suatu prakiraan recognized asset or liability or a highly probable
transaksi yang dapat mempengaruhi laba rugi, maka forecast transaction that could affect profit or loss,
bagian efektif dari perubahan nilai wajar dari derivatif the effective portion of changes in the fair value of
diakui sebagai penghasilan komprehensif lainnya. the derivative is recognized in other
Jumlah yang diakui dalam penghasilan comprehensive income. The amount recognized in
komprehensif lainnya direklasifikasi ke laporan laba other comprehensive income is reclassified to the
rugi sebagai penyesuaian reklasifikasi pada tahun profit or loss as a reclassification adjustment in the
yang sama dimana arus kas yang dilindung nilai same year as the hedged cash flows affect profit or
tersebut mempengaruhi laba rugi, dan pada baris loss, and in the same line item in the consolidated
item yang sama pada laporan laba rugi statement of profit or loss. Any ineffective portion
konsolidasian. Setiap bagian yang tidak efektif of changes in the fair value of the derivative is
dalam perubahan nilai wajar derivatif diakui recognized immediately in the consolidated
langsung pada laporan laba rugi konsolidasian. statement of profit or loss.
Ketika instrumen lindung nilai kadaluarsa atau dijual, When the hedging instrument expires or sold,
dihentikan, dilaksanakan, atau tidak lagi memenuhi terminated, exercised, or no longer qualifies for
kriteria akuntansi lindung nilai, keuntungan atau hedge accounting, the cumulative amount deferred
kerugian kumulatif yang ditangguhkan di ekuitas in equity remains in the cumulative losses/gains on
tetap diakui pada pos kerugian/keuntungan kumulatif derivative instruments for cash flows hedges, and
atas instrumen derivatif untuk lindung nilai arus kas is subsequently reclassified to the statement of
dan direklasifikasi ke laporan laba rugi ketika unsur profit or loss when the hedged item is recognised
yang dilindung nilai diakui dalam laporan laba rugi. in the statement of profit or loss.
Ketika suatu prakiraan transaksi lindung nilai tidak When a forecast hedged transaction is no longer
lagi diharapkan akan terjadi, jumlah yang expected to occur, the amount deferred in equity is
ditangguhkan dalam ekuitas diakui segera dalam recognised immediately in the statement of profit
laporan laba rugi. or loss.
m. Pinjaman yang diberikan m. Loans
Pinjaman yang diberikan pada awalnya diukur pada Loans are initially measured at fair value plus
nilai wajar ditambah biaya transaksi yang dapat directly attributable and incremental transaction
diatribusikan secara langsung dan merupakan biaya cost to acquire the financial assets, and after initial
tambahan untuk memperoleh aset keuangan recognition measured at their amortized cost using
tersebut, dan setelah pengakuan awal diukur pada the effective interest rate method.
biaya perolehan diamortisasi dengan menggunakan
metode suku bunga efektif.
Kredit dalam rangka pembiayaan bersama (kredit Syndicated loans are subsequently measured at
sindikasi) setelah pengakuan awal diukur pada biaya amortized cost in accordance with the risk portion
perolehan diamortisasi sesuai dengan porsi risiko borne by the Bank.
yang ditanggung oleh Bank.
LAMPIRAN – 5/34 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 619
Page 622
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
m. Pinjaman yang diberikan (lanjutan) m. Loans (continued)
Termasuk dalam pinjaman yang diberikan adalah Included in the loans is Sharia financing which
pembiayaan Syariah yang terdiri dari piutang consists of murabahah receivables, Ijarah
murabahah, piutang Ijarah, pembiayaan receivables, musyarakah financing, and
musyarakah, dan pembiayaan mudharabah. mudharabah financing. Murabahah is an
Murabahah adalah akad jual beli barang dengan agreement for the sale and purchase of goods
menyatakan harga perolehan dan keuntungan between the buyer and the seller at the agreed cost
(marjin) yang disepakati oleh penjual dan pembeli, and margin, and only can be done based on agreed
dan hanya dapat dilakukan berdasarkan pesanan order. Musyarakah is an agreement between
yang bersifat mengikat. Musyarakah adalah akad investors (musyarakah partners) to join the capital
kerjasama yang terjadi diantara para pemilik modal in a partnership, at an agreed predefined term of
(mitra musyarakah) untuk menggabungkan modal nisbah.
dan melakukan usaha secara bersama dalam suatu
kemitraan, dengan pembagian keuntungan
berdasarkan nisbah yang telah disepakati
sebelumnya.
Mudharabah adalah akad kerjasama usaha antara Mudharabah is an agreement between the Bank as
Bank sebagai pemilik dana (shahibul maal) dan an investor (shahibul maal) and customer as a fund
nasabah sebagai pengelola dana (mudharib) untuk manager (mudharib) to run a business with pre-
melakukan kegiatan usaha dengan nisbah defined terms of nisbah (gain or loss).
pembagian hasil (keuntungan atau kerugian)
menurut kesepakatan dimuka.
Ijarah adalah akad sewa antara pihak yang Ijarah is the lease contract between the party who
menyewakan aset ijarah (mu’jir) dengan penyewa rents out the ijarah assets (mu'jir) and the lessee or
(musta’jir) atau antara penerima jasa (musta’jir) between the recipient of the service (musta'jir) and
dengan pihak yang memberikan jasa (ajir) untuk the party who provide the service (ajir) to exchange
mempertukarkan manfaat dan ujrah, baik manfaat benefits and ujrah, both benefits of ijarah assets or
aset ijarah maupun jasa. services.
Piutang Ijarah Bank terdiri dari piutang ijarah atas Ijarah receivables consist of ijarah of assets (in a
aset (dalam bentuk akad Ijarah Muntahiyah form of Ijarah Muntahiyah Bittamlik agreement) and
Bittamlik) dan piutang ijarah mulitjasa. Ijarah multi-services ijarah receivables. Ijarah Muntahiyah
Muntahiyah Bittamlik (“IMBT”) adalah akad Bittamlik (“IMBT”) is an agreement to obtain rental
pemindahan hak guna (manfaat) atas suatu aset payment on the leased object with an option to
dalam waktu tertentu dengan pembayaran sewa transfer ownership of the leased object at certain
yang diikuti dengan janji perpindahan kepemilikan time. Ijarah receivables owned by the Bank
aset yang diijarahkan pada saat tertentu. Piutang represent ijarah for indirect services where other
ijarah multijasa yang dimiliki Bank merupakan ijarah entities will provide services to customers.
atas jasa secara tidak langsung dimana entitas lain
yang akan memberikan jasa kepada nasabah.
Pinjaman yang diberikan dihapusbukukan ketika Loans are written off when there are no realistic
tidak terdapat prospek yang realistis mengenai prospects of future recovery and all collateral have
pengembalian dimasa datang dan semua jaminan been realized or have been foreclosed. When loans
telah direalisasi atau sudah diambil alih. Pinjaman are deemed uncollectible, they are written off
yang tidak dapat dilunasi dihapusbukukan dengan against the related allowance for impairment
mendebit cadangan kerugian penurunan nilai. losses. Subsequent recoveries of loans written off
Pelunasan kemudian atas pinjaman yang telah are credited to the allowance for impairment losses
dihapusbukukan sebelumnya, dikreditkan ke in the consolidated statements of financial position.
cadangan kerugian penurunan nilai di laporan posisi
keuangan konsolidasian.
LAMPIRAN – 5/35 – SCHEDULE
620 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 623
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
m. Pinjaman yang diberikan (lanjutan) m. Loans (continued)
Restrukturisasi pinjaman yang diberikan meliputi Loan restructuring may involve a modification of the
modifikasi persyaratan kredit, konversi kredit terms of the loans, conversion of loans into equity
menjadi saham atau instrumen keuangan lainnya or other financial instruments and/or a combination
dan/atau kombinasi dari keduanya. of both.
Pinjaman yang diberikan yang direstrukturisasi Restructured loans are stated at the net present
disajikan sebesar nilai kini tunai penerimaan kas value of the total future cash receipts after
masa depan setelah restrukturisasi yang restructuring are discounted using the original
didiskontokan dengan menggunakan suku bunga effective interest rate. The difference between the
efektif awal. Selisih antara nilai tercatat kredit pada carrying amount of the loans prior to restructuring
tanggal restrukturisasi dan nilai kini tunai and the present value of the total future cash
penerimaan kas masa depan setelah restrukturisasi receipts is recognised in the consolidated
diakui dalam laporan laba rugi konsolidasi. statement of income.
Setelah restrukturisasi, semua penerimaan kas Thereafter, all cash receipts under the new terms
masa depan yang ditetapkan dalam persyaratan shall be accounted for as the recovery of principal
baru dicatat sebagai pengembalian pokok pinjaman and interest income, using the original effective
yang diberikan dan pendapatan bunga dengan interest rate.
menggunakan suku bunga efektif awal.
n. Investasi dalam saham n. Investments in shares
Investasi dalam saham yang diklasifikasikan Investments in shares classified as financial assets
sebagai aset keuangan diukur pada nilai wajar measured at fair value through other
melalui penghasilan komprehensif lain. comprehensive income.
Dividen kas yang diterima atas investasi dalam Cash dividend received from investment in shares
saham diakui sebagai pendapatan. is recognized as income.
o. Cadangan kerugian kredit ekspektasian o. Allowance for expected credit losses
PSAK 109 mengharuskan cadangan kerugian diakui PSAK 109 requires a loss allowance to be
sebesar kerugian kredit ekspektasian (“ECL”) recognized at an amount equal to either 12-month
12 bulan atau kerugian kredit ekspektasian expected credit losses (“ECL”) or lifetime ECLs.
sepanjang umur aset keuangan (lifetime ECL). Lifetime ECLs are the ECLs that result from all
Lifetime ECL adalah kerugian kredit ekspektasian possible default events over the expected life of a
yang berasal dari semua kemungkinan kejadian financial instrument, whereas 12-month ECLs are
gagal bayar sepanjang umur ekspektasian suatu the portion of ECLs that result from default events
instrumen keuangan, sedangkan ECL 12 bulan that are possible within the 12 months after
adalah porsi dari kerugian kredit ekspektasian yang reporting date.
berasal dari kemungkinan kejadian gagal bayar
dalam 12 bulan setelah tanggal pelaporan.
ECL diakui untuk seluruh instrumen utang ECL are recognized for all financial debt
keuangan, komitmen pinjaman dan jaminan instruments, loan commitments and financial
keuangan yang diklasifikasikan sebagai hold to guarantees that are classified as hold to collect/hold
collect/hold to collect and sell dan memiliki arus kas to collect and sell and have cash flows that are
SPPI. Kerugian kredit ekspektasian tidak diakui solely payments of principal and interest. Expected
untuk instrumen ekuitas yang ditetapkan sebagai credit losses are not recognized for equity
FVOCI. instruments designated at FVOCI.
LAMPIRAN – 5/36 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 621
Page 624
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
o. Cadangan kerugian kredit ekspektasian o. Allowance for expected credit losses
(lanjutan) (continued)
Perseroan menggunakan model yang kompleks The Company primarily uses sophisticated models
yang menggunakan matriks probability of default that utilise the probability of default (“PD”), loss
(“PD”), loss given default (“LGD”) dan exposure at given default (“LGD”) and exposure at default
default (“EAD”), yang didiskontokan menggunakan (“EAD”) metrics, discounted using the effective
suku bunga efektif. interest rate.
a. Probability of Default (“PD”) a. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu dimana The probability at a point in time that a
debitur mengalami gagal bayar, dikalibrasikan counterparty will default, calibrated over up to
sampai dengan periode 12 bulan dari tanggal 12 months from the reporting date (Stage 1)
laporan (Tahap 1) atau sepanjang umur or over the lifetime of the product (Stage 2
(Tahap 2 dan 3) dan digabungkan pada and 3) and incorporating the impact of
dampak asumsi ekonomi masa depan yang forward-looking economic assumptions that
memiliki risiko kredit. PD diestimasikan pada have an effect on credit risk. PD is estimated
point in time dimana hal ini berfluktuasi sejalan at a point in time that means it will fluctuate in
dengan siklus ekonomi. line with the economic cycle.
b. Loss Given Default (“LGD”) b. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan timbul dari The loss that is expected to arise on default,
debitur yang mengalami gagal bayar dengan incorporating the impact of relevant forward
menggabungkan dampak dari asumsi looking economic assumptions (if any), which
ekonomi masa depan yang relevan (jika ada) represents the difference between the
dimana hal ini mewakili perbedaan antara arus contractual cash flows due and those that the
kas kontraktual yang akan jatuh tempo dengan Bank expects to receive. The Bank estimates
arus kas yang diharapkan untuk diterima. Bank LGD based on the historical recovery rates
mengestimasikan LGD berdasarkan data and considers the recovery of any collateral
historis dari tingkat pemulihan dan that is integral to the financial assets, taking
memperhitungkan pemulihan yang berasal into account forward looking economic
dari jaminan terhadap aset keuangan dengan assumptions if relevant.
mempertimbangkan asumsi ekonomi di masa
depan jika relevan.
c. Exposure at Default (“EAD”) c. Exposure at Default (“EAD”)
Perkiraan nilai eksposur neraca pada saat The expected balance sheet exposure at the
gagal bayar dengan mempertimbangkan time of default, taking into account that
bahwa perubahan ekspektasi yang diharapkan expected change in exposure over the
selama masa eksposur. Hal ini lifetime of the exposure. This incorporates the
menggabungkan dampak penarikan fasilitas impact of drawdowns of committed facilities,
yang committed, pembayaran pokok dan
repayments of principal and interest,
bunga, amortisasi dan pembayaran
amortization and prepayments, together with
dipercepat, bersama dengan dampak asumsi
ekonomi masa depan jika relevan. the impact of forward looking economic
assumptions where relevant.
LAMPIRAN – 5/37 – SCHEDULE
622 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 625
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
o. Cadangan kerugian kredit ekspektasian o. Allowance for expected credit losses
(lanjutan) (continued)
Kerugian kredit ekspektasian 12 bulan (Tahap 1) 12-month expected credit losses (Stage 1)
ECL diakui pada saat pengakuan awal instrumen ECL are recognized at the time of initial recognition
keuangan dan merepresentasikan kekurangan kas of a financial instrument and represent the lifetime
sepanjang umur aset yang timbul dari kemungkinan cash shortfalls arising from possible default events
gagal bayar di masa yang akan datang dalam kurun up to twelve months into the future from the
waktu dua belas bulan sejak tanggal pelaporan. reporting date. ECL continue to be determined on
ECL terus ditentukan oleh dasar ini sampai timbul this basis until there is either a significant increase
peningkatan risiko kredit yang signifikan pada in the credit risk of an instrument or the instrument
instrumen tersebut atau instrumen tersebut telah becomes credit-impaired. If an instrument is no
mengalami penurunan nilai kredit. Jika suatu longer considered to exhibit a significant increase
instrumen tidak lagi dianggap menunjukkan in credit risk, ECL will revert to being determined
peningkatan risiko kredit yang signifikan, maka ECL on a 12-month basis.
dihitung kembali berdasarkan basis dua belas
bulan.
Peningkatan risiko kredit yang signifikan Significant increase in credit risk (Stage 2)
(Tahap 2)
Jika aset keuangan mengalami peningkatan risiko If a financial asset experiences a significant
kredit yang signifikan (“SICR”) sejak pengakuan increase in credit risk (“SICR”) since initial
awal, kerugian kredit ekspektasian diakui atas recognition, an expected credit loss provision is
kejadian gagal bayar yang mungkin terjadi recognized for default events that may occur over
sepanjang umur aset. Peningkatan signifikan dalam the lifetime of the asset. Significant increase in
risiko kredit dinilai dengan membandingkan risiko credit risk is assessed by comparing the risk of
gagal bayar atas eksposur pada tanggal pelaporan default of an exposure at the reporting date to the
dengan risiko gagal bayar saat pengakuan awal risk of default at origination (after taking into
(setelah memperhitungkan perjalanan waktu dari account the passage of time). Significant does not
akun tersebut). Signifikan tidak berarti signifikan mean statistically significant nor is it assessed in
secara statistik, juga tidak dinilai dalam konteks the context of changes in ECL. Whether a change
perubahan dalam ECL. Perubahan atas risiko gagal in the risk of default is significant or not is assessed
bayar dinilai signifikan atau tidak, dinilai using a number of quantitative and qualitative
menggunakan sejumlah faktor kuantitatif dan factors, the weight of which depends on the type of
kualitatif, yang bobotnya bergantung pada tipe product and counterparty. Financial assets that are
produk dan pihak lawan. Aset keuangan dengan 30 or more days past due and not credit-impaired
tunggakan 30 hari atau lebih dan tidak mengalami will always be considered to have experienced a
penurunan nilai akan selalu dianggap telah significant increase in credit risk.
mengalami peningkatan risiko kredit yang signifikan.
Aset hanya akan dianggap mengalami penurunan An asset is only considered credit impaired and
nilai dan kerugian kredit ekspektasian sepanjang lifetime expected credit losses recognized, if there
umurnya diakui, jika terdapat bukti objektif is observed objective evidence of impairment.
penurunan nilai yang dapat diobservasi. Faktor- These factors are similar to the indicators of
faktor yang diobservasi ini serupa dengan indikator objective evidence of impairment, this includes,
bukti objektif penurunan nilai, termasuk antara lain amongst other factors, assets in default for more
aset gagal bayar dengan tunggakan lebih dari 90 than 90 days or experiencing significant financial
hari atau mengalami kesulitan keuangan yang difficulty, or experiencing forbearance on impaired
signifikan atau mengalami forbearance atas kredit credit (mentioned as ‘Stage 3 asset’).
yang mengalami penurunan nilai (disebut sebagai
‘aset Tahap 3’).
LAMPIRAN – 5/38 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 623
Page 626
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
o. Cadangan kerugian kredit ekspektasian o. Allowance for expected credit losses
(lanjutan) (continued)
Peningkatan risiko kredit yang signifikan Significant increase in credit risk (Stage 2)
(Tahap 2) (lanjutan) (continued)
Pengukuran kerugian kredit ekspektasian di seluruh The measurement of expected credit losses across
tahapan aset diperlukan untuk mencerminkan jumlah all stages is required to reflect an unbiased and
yang tidak bias dan rata-rata probabilitas tertimbang probability weighted amount that is determined by
yang ditentukan dengan mengevaluasi serangkaian evaluating a range of reasonably possible
kemungkinan yang dapat terjadi menggunakan outcomes using reasonable and supportable
informasi yang wajar dan dapat didukung dengan information about past events, current conditions
peristiwa di masa lampau, kondisi saat ini dan and forecasts of future economic conditions.
proyeksi terkait dengan kondisi ekonomis di masa
depan.
Eksposur yang mengalami penurunan nilai kredit Credit impaired (or defaulted) exposures
atau gagal bayar (Tahap 3) (Stage 3)
Aset keuangan yang mengalami penurunan nilai Financial assets that are credit impaired (or in
(atau gagal bayar) merupakan aset yang setidaknya default) represent those that are at least 90 days
telah memiliki tunggakan lebih dari 90 hari atas pokok past due in respect of principal and/or interest or
dan/atau bunga atau memiliki peringkat kredit has certain credit grades (credit grading 26-28).
tertentu (peringkat kredit 26-28). Aset keuangan juga Financial assets are also considered to be credit
dianggap mengalami penurunan nilai kredit dimana impaired where the debtors are unlikely to pay on
debitur kemungkinan besar tidak akan membayar the occurrence of one or more observable events
dengan terjadinya satu atau lebih kejadian yang that have a detrimental impact on the estimated
teramati yang memiliki dampak menurunkan jumlah future cash flows of the financial asset. Loss
estimasi arus kas masa depan dari aset keuangan provisions against credit impaired financial assets
tersebut. Cadangan kerugian penurunan nilai are determined based on an assessment of the
terhadap aset keuangan yang mengalami penurunan recoverable cash flows under a range of scenarios,
nilai ditentukan berdasarkan penilaian terhadap arus including the realization of any collateral held
kas yang dapat dipulihkan berdasarkan sejumlah where appropriate. The ECL will reflect weighted
skenario, termasuk realisasi jaminan yang dimiliki average of the scenarios based on the probability
jika memungkinkan. ECL akan mencerminkan rata- of the relevant scenario to occur. The loss
rata tertimbang dari skenario berdasarkan provisions held represent the difference between
probabilitas dari skenario yang relevan untuk terjadi. the present value of the cash flows expected to be
Cadangan kerugian penurunan nilai merupakan recovered, discounted at the instrument’s original
selisih antara nilai sekarang dari arus kas yang effective interest rate, and the gross carrying value
diperkirakan akan dipulihkan, didiskontokan pada of the instrument prior to any credit impairment.
suku bunga efektif awal, dan nilai tercatat bruto
instrumen sebelum penurunan nilai kredit.
Periode yang diperhitungkan ketika mengukur The period considered when measuring expected
kerugian kredit ekspektasian adalah periode yang credit loss is the shorter of the expected life and the
lebih pendek antara umur ekspektasian dan periode contractual term of the financial asset. The
kontrak aset keuangan. Umur ekspektasian dapat expected life may be impacted by prepayments
dipengaruhi oleh pembayaran dimuka dan periode and the maximum contractual term by extension
kontrak maksimum melalui opsi perpanjangan options. For certain revolving portfolios, including
kontrak. Untuk portofolio revolving tertentu, termasuk credit cards, the expected life is assessed over the
kartu kredit, umur ekspektasian dinilai sepanjang period that the Company is exposed to credit risk
periode dimana Perseroan terekspos dengan risiko (which is based on the length of time it takes for
kredit (berdasarkan durasi waktu yang dibutuhkan credit facilities to be withdrawn) rather than the
untuk fasilitas kredit ditarik), bukan sepanjang contractual term.
periode kontrak.
LAMPIRAN – 5/39 – SCHEDULE
624 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 627
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
o. Cadangan kerugian kredit ekspektasian o. Allowance for expected credit losses
(lanjutan) (continued)
Eksposur yang mengalami penurunan nilai kredit Credit impaired (or defaulted) exposures
atau gagal bayar (Tahap 3) (lanjutan) (Stage 3) (continued)
Untuk aset yang diukur pada biaya perolehan For assets measured at amortized cost, the balance
diamortisasi, saldo di neraca mencerminkan aset sheet amount reflects the gross asset less the
bruto dikurangi kerugian kredit ekspektasian. Untuk expected credit losses. For debt instruments held at
instrumen utang dalam kategori FVOCI, saldo di FVOCI, the balance sheet amount reflects the
neraca mencerminkan nilai wajar dari instrumen, instrument’s fair value, with the expected credit loss
dengan cadangan kerugian kredit ekspektasian allowance held as a separate reserve within other
dibukukan terpisah sebagai cadangan pada comprehensive income.
penghasilan komprehensif lain.
Untuk menentukan kerugian kredit ekspektasian To determine the expected credit loss, these
komponen-komponen ini akan diperhitungkan components are multiplied together and discounted
secara bersama-sama dan didiskontokan ke tanggal to the balance sheet date using the effective interest
laporan keuangan menggunakan diskonto rate as the discount rate. The basis of inputs,
berdasarkan suku bunga efektif. Dasar input, asumsi assumptions and the estimation technique are
dan teknik estimasi diungkapkan di Catatan 50. disclosed in Note 50.
Unit Usaha syariah Sharia business unit
Aset produktif perbankan syariah terdiri dari giro Productive assets of sharia banking include current
pada Bank Indonesia, Sertifikat Bank Indonesia, accounts with Bank Indonesia, Certificates of Bank
efek-efek, piutang Islamic Banking (“iB”), piutang iB Indonesia, marketable securities, Islamic Banking
lainnya, pembiayaan iB dan transaksi rekening (“iB”) receivables, other iB receivables, iB financing
administratif yang mempunyai risiko kredit. and off-balance sheet transactions which contain
credit risk.
Bank dan Entitas Anak menghitung cadangan Bank and its subsidiary calculates allowance for
kerugian penurunan nilai sesuai dengan ketentuan impairment losses in accordance with applicable
standar akuntansi dan ketentuan regulator yang accounting standards and regulatory requirements.
berlaku. Khusus untuk piutang dengan akad Specifically for receivables under murabahah
murabahah, kerugian penurunan nilai dievaluasi contracts, impairment losses are evaluated
secara individual dan kolektif dengan metode individually and collectively using the incurred loss
incurred loss. Selain itu, Bank juga menerapkan method. In addition, Bank also applies Financial
Peraturan Otoritas Jasa Keuangan (“POJK”) Services Authority Regulation (“POJK”)
No.02/POJK.03/2022 tanggal 31 Januari 2022 No.02/POJK.03/2022 dated 31 January 2022,
tentang “Penilaian Kualitas Aset Bank Umum concerning “Asset Quality Assessment of Sharia
Syariah dan Unit Usaha Syariah” yang berlaku efektif Commercial Banks and Sharia Business Units”
tanggal 7 Februari 2022 untuk aset produktif atas which became effective on 7 February 2022, for
akad lainnya dengan ketentuan sebagai berikut: productive assets under other contracts using the
following guidelines:
i. Cadangan umum paling rendah 1% dari aset i. General allowance are at least 1% of productive
produktif yang digolongkan lancer. assets classified as current.
LAMPIRAN – 5/40 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 625
Page 628
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
o. Cadangan kerugian kredit ekspektasian o. Allowance for expected credit losses
(lanjutan) (continued)
Unit Usaha syariah (lanjutan) Sharia business unit (continued)
ii. Cadangan khusus untuk aset produktif: ii. Specific allowance for productive assets:
Persentase minimum cadangan/
Klasifikasi Minimum percentage of allowance Classification
Dalam perhatian khusus 5% Special mention
Kurang lancar 15% Substandard
Diragukan 50% Doubtful
Macet 100% Loss
Cadangan khusus untuk aset produktif yang Specific allowance for productive assets and off-
mempunyai risiko kredit yang digolongkan sebagai balance sheet transactions with credit risk
dalam perhatian khusus, kurang lancar, diragukan, classified as special mention, substandard,
dan macet dihitung atas jumlah pokok pinjaman doubtful, and loss is calculated on total loan
yang diberikan setelah dikurangi dengan nilai principal after deducting the value of allowable
agunan yang diperkenankan. Pencadangan tidak collateral. No allowance is provided for any portion
dibentuk untuk porsi fasilitas yang dijamin dengan of facility backed by cash collateral.
agunan tunai.
Bank dan Entitas Anak menghapusbukukan saldo The Bank and Subsidiary write off financial assets
aset keuangan beserta cadangan kerugian and any related allowance for impairment losses
penurunan nilai terkait pada saat Bank dan Entitas when the Bank and Subsidiary determine that
Anak menentukan bahwa pinjaman yang diberikan, those loans, consumer financing receivables,
piutang pembiayaan konsumen, piutang sewa finance lease receivables or debt securities are
pembiayaan atau efek-efek utang tersebut tidak uncollectible. This determination is reached after
dapat lagi ditagih. Keputusan ini diambil setelah considering information such as the occurrence of
mempertimbangkan informasi terkait seperti telah significant changes in the borrower’s/issuer’s
terjadinya perubahan signifikan atas posisi financial position such that the borrower/issuer can
keuangan debitur/penerbit yang mengakibatkan no longer pay the obligation, or that proceeds from
debitur/penerbit tidak lagi dapat melunasi collateral will not be sufficient to pay back the entire
liabilitasnya, atau hasil penjualan agunan tidak akan exposure.
cukup untuk melunasi seluruh eksposurnya.
p. Cadangan kerugian penurunan nilai atas aset p. Allowance for impairment losses on non-
yang bukan aset keuangan kecuali goodwill financial assets except goodwill
Pada akhir setiap periode pelaporan, Bank dan At the end of each reporting period, the Bank and
Entitas Anak menelaah nilai tercatat aset non- Subsidiary review the carrying amount of non-
keuangan untuk menentukan apakah terdapat financial assets to determine whether there is any
indikasi bahwa aset tersebut telah mengalami indication that those assets have suffered an
penurunan nilai. Jika terdapat indikasi tersebut, impairment loss. If any such indication exists, the
jumlah terpulihkan dari aset diestimasi untuk recoverable amount of the asset is estimated in
menentukan tingkat kerugian penurunan nilai (jika order to determine the extent of the impairment loss
ada). Bila tidak memungkinkan untuk mengestimasi (if any). Where the asset does not generate cash
jumlah terpulihkan atas suatu aset individual, Bank flows that are independent from other assets, the
dan Entitas Anak mengestimasi jumlah terpulihkan Bank and Subsidiary estimate the recoverable
dari unit penghasil kas atas aset. amount of the cash-generating unit to which the
asset belongs.
LAMPIRAN – 5/41 – SCHEDULE
626 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 629
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
p. Cadangan kerugian penurunan nilai atas aset p. Allowance for impairment losses on non-
yang bukan aset keuangan kecuali goodwill financial assets except goodwill (continued)
(lanjutan)
Ketika dasar alokasi yang wajar dan konsisten dapat When a reasonable and consistent basis of
diidentifikasi, aset perusahaan juga dialokasikan ke allocation can be identified, corporate assets are
masing-masing kelompok unit penghasil kas, atau also allocated to individual cash-generating units,
sebaliknya mereka dialokasikan ke kelompok or otherwise they are allocated to the smallest
terkecil dari kelompok unit penghasil kas di mana group of cash-generating units for which a
dasar alokasi yang wajar dan konsisten dapat reasonable and consistent allocation basis can be
diidentifikasi. identified.
Aset takberwujud dengan masa manfaat tidak Intangible assets with indefinite useful lives and
terbatas dan aset takberwujud yang belum tersedia intangible assets not yet available for use are
untuk digunakan diuji penurunan nilainya setiap tested for impairment annually, and whenever
tahun dan ketika terdapat indikasi penurunan nilai. there is an indication that the asset maybe
impaired.
Jumlah terpulihkan adalah nilai tertinggi antara nilai Recoverable amount is the higher of fair value less
wajar dikurangi biaya pelepasan dan nilai pakai. cost to sell and value in use. In assessing value in
Dalam menilai nilai pakainya, estimasi arus kas use, the estimated future cash flows are
masa depan didiskontokan ke nilai kini discounted to their present value using a pre-tax
menggunakan tingkat diskonto sebelum pajak yang discount rate that reflects current market
menggambarkan penilaian pasar kini dari nilai waktu assessments of the time value of money and the
uang dan risiko spesifik atas aset dengan estimasi risks specific to the asset for which the estimates
arus kas masa depan belum disesuaikan. of future cash flows have not been adjusted.
Jika jumlah terpulihkan dari aset non-keuangan (unit If the recoverable amount of the non-financial
penghasil kas) lebih kecil dari nilai tercatatnya, nilai asset (cash generating unit) is less than its carrying
tercatat aset (unit penghasil kas) diturunkan menjadi amount, the carrying amount of the asset (cash
sebesar jumlah terpulihkan dan rugi penurunan nilai generating unit) is reduced to its recoverable
segera diakui dalam laba rugi, kecuali aset tersebut amount and an impairment loss is recognized
disajikan pada jumlah revaluasian, di mana kerugian immediately in profit or loss, unless the relevant
penurunan nilai diperlakukan sebagai penurunan asset is carried at revaluation amount, in which the
revaluasi. impairment loss is treated as a revaluation
decrease.
q. Piutang pembiayaan konsumen q. Consumer financing receivables
Piutang pembiayaan konsumen merupakan jumlah Consumer financing receivables are stated at net
piutang setelah dikurangi dengan bagian of joint financing portion, unearned consumer
pembiayaan bersama, pendapatan pembiayaan financing income and allowance for expected
konsumen yang belum diakui dan cadangan credit losses.
kerugian kredit ekskpektasian.
Piutang pembiayaan konsumen diklasifikasikan Consumer financing receivables are classified as at
sebagai diukur pada biaya perolehan diamortisasi, amortized cost, and subsequent to initial recognition,
dan setelah pengakuan awal, dicatat pada biaya are carried at amortized cost using the effective
perolehan diamortisasi dengan menggunakan interest rate method.
metode suku bunga efektif.
Pendapatan pembiayaan konsumen yang belum Unearned consumer financing income represents
diakui merupakan selisih antara jumlah keseluruhan the difference between total installments to be
pembayaran angsuran yang akan diterima dari received from the consumer and the principal
konsumen dan jumlah pokok pembiayaan, yang amount financed, which is recognized as income
diakui sebagai pendapatan selama jangka waktu over the term of the contract based on effective
kontrak berdasarkan tingkat suku bunga efektif dari interest rate of the related consumer financing
piutang pembiayaan konsumen. receivable.
LAMPIRAN – 5/42 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 627
Page 630
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
q. Piutang pembiayaan konsumen (lanjutan) q. Consumer financing receivables (continued)
Termasuk dalam piutang pembiayaan konsumen Included in consumer financing receivables are
adalah piutang pembiayaan murabahah. Murabahah murabahah financing receivables. Murabahah is
adalah akad jual beli barang dengan harga jual goods sell-buy contract with a selling price
sebesar biaya perolehan ditambah keuntungan yang amounted to acquisition cost plus agreed margin
disepakati dan Entitas Anak harus mengungkapkan and the Subsidiary must disclose the acquisition
biaya perolehan barang tersebut kepada konsumen. cost to consumer. When the murabahah contract
Pada saat akad murabahah, piutang pembiayaan is signed, murabahah financing receivables are
murabahah diakui sebesar biaya perolehan recognized at acquisition cost plus agreed margin.
ditambah keuntungan (marjin). Keuntungan Murabahah margin is recognized over the period of
murabahah diakui selama periode akad the contract based on margin of the murabahah
berdasarkan pengakuan marjin dari piutang financing receivables.
pembiayaan murabahah.
Akad murabahah secara substansi merupakan Substantially, murabahah contract is a financing,
suatu pembiayaan, sehingga pengakuan marjin so that margin recognition is based on standards
dilakukan berdasarkan standar yang mengatur which regulate financing, as mentioned in
pembiayaan, seperti yang disebutkan di kebijakan consumer financing policy.
pembiayaan konsumen.
Penyelesaian kontrak sebelum masa pembiayaan Early termination of a contract is treated as
konsumen berakhir diperlakukan sebagai a cancellation of an existing contract and the
pembatalan kontrak pembiayaan konsumen dan jika resulting gain, if any, is recognized in the current
terdapat keuntungan yang timbul diakui dalam laba year profit or loss.
rugi tahun berjalan.
Piutang pembiayaan konsumen akan Consumer financing receivables will be written off
dihapusbukukan setelah menunggak lebih dari 180 when they are overdue for more than 180 days.
hari. Penerimaan dari piutang yang telah Recoveries from written off receivables are
dihapusbukukan diakui sebagai pendapatan lain-lain recognized as other income upon receipt.
pada saat diterima.
Dalam hal restrukturisasi piutang pembiayaan In term of restructuring of murabahah financing
murabahah dilakukan dengan modifikasi receivables through non substantial modification of
persyaratan pembiayaan non substansial yang tidak financing terms which does not result in
menghasilkan penghentian pengakuan, Entitas derecognition, modification of financing terms, the
Anak memberikan kelonggaran pembayaran dan Subsidiary provide payment holiday and tenor
perpanjangan jatuh tempo kepada konsumen extension to the customer but did not change the
namun tidak mengubah total sisa piutang outstanding of murabahah financing receivables
pembiayaan murabahah (baik pokok maupun (both principal and margin) that have to be paid by
marjin) yang harus dibayarkan oleh konsumen. the customer. The Subsidiary records the impact
Entitas Anak mencatat dampak restrukturisasi from restructuring prospectively, by not
tersebut secara prospektif, dengan tidak mengakui recognizing the amortization of margin and
amortisasi marjin serta amortisasi biaya perolehan amortization of acquisition costs during the
pada saat cuti angsuran. Pendapatan marjin setelah payment holiday. Margin income after restructuring
restrukturisasi akan diakui sebesar jumlah marjin will be recognized at the margin amount stated
yang ditentukan dalam persyaratan pembiayaan under the new financing terms which did not
baru yang tidak mengubah total sisa piutang. change the outstanding receivables.
LAMPIRAN – 5/43 – SCHEDULE
628 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 631
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
q. Piutang pembiayaan konsumen (lanjutan) q. Consumer financing receivables (continued)
Restrukturisasi pembiayaan konsumen meliputi Restructuring of consumer financing is a non
modifikasi persyaratan kredit non substantial yang substantial modification of the terms of the loans
tidak menghasilkan penghentian pengakuan. which does not result in derecognition.
Pembiayaan yang direstrukturisasi disajikan sebesar Restructured financing are stated at the net
nilai kini atas arus kas kontraktual setelah present value of contractual cash flows after
restrukturisasi yang didiskontokan menggunakan restructuring are discounted using the original
suku bunga efektif awal. Selisih antara jumlah effective interest rate. Differences arising from the
tercatat bruto piutang pembiayaan konsumen pada gross carrying value of the consumer financing
tanggal restrukturisasi dengan nilai kini arus kas receivables at the time of restructuring with present
kontraktual setelah restrukturisasi diakui dalam laba value of contractual cash flows after restructuring
rugi. are recognized to profit or loss.
Fee dan biaya yang timbul dari restrukturisasi Fee and cost arising from the restructuring adjust
menyesuaikan nilai tercatat bruto setelah modifikasi the gross carrying amount after modification and
dan diamortisasi sepanjang sisa tenor. amortised along remaining tenor.
Setelah restrukturisasi, seluruh arus kas kontraktual Thereafter, all the contractual cash flows under the
dalam persyaratan baru dicatat sebagai new terms shall be accounted for as the repayment
pengembalian pokok pembiayaan yang diberikan of principal and interest income, in accordance with
dan pendapatan bunga sesuai dengan syarat-syarat the restructuring scheme.
restrukturisasi.
Pembiayaan bersama Joint financing
Seluruh kontrak pembiayaan bersama yang All joint financing contracts entered by the
dilakukan oleh Entitas Anak merupakan pembiayaan Subsidiary represent joint financing without
bersama tanpa tanggung renteng (without recourse) recourse in which only the Subsidiary’ financing
dimana hanya porsi jumlah angsuran piutang yang portion of the total installments is recorded as
dibiayai Entitas Anak yang dicatat sebagai piutang consumer financing receivables in the
pembiayaan konsumen di laporan posisi keuangan consolidated statements of financial position (net
konsolidasian (pendekatan neto). Pendapatan dan approach). Consumer financing income and
beban pembiayaan konsumen serta pendapatan expense and Murabahah margin income and
marjin dan beban marjin Murabahah disajikan pada margin expense are presented in profit or loss after
laba rugi setelah dikurangi dengan bagian yang deducting the portions belong to other parties who
merupakan hak pihak-pihak lain yang berpartisipasi participated in the joint financing transactions.
pada transaksi pembiayaan bersama.
r. Sewa pembiayaan r. Finance leases
Pembiayaan sewa Entitas Anak meliputi piutang The Subsidiary’s lease financing consists of
sewa pembiayaan - konvensional dan Ijarah finance lease receivables - conventional and Ijarah
Muntahiyah Bittamlik (“IMBT”) - syariah. Muntahiyah Bittamlik (“IMBT”) - sharia.
Konvensional Conventional
Penentuan apakah suatu perjanjian merupakan The determination of whether an arrangement is,
perjanjian sewa atau perjanjian yang mengandung or contains a lease is based on the substance of
sewa didasarkan atas substansi perjanjian pada the arrangement at inception date and whether the
tanggal awal sewa dan apakah pemenuhan fulfillment of the arrangement is dependent on the
perjanjian tergantung pada penggunaan suatu aset use of a specific asset and the arrangement
dan perjanjian tersebut memberikan suatu hak untuk conveys a right to use the asset. Leases are
menggunakan aset tersebut. Suatu sewa classified as finance leases if the leases transfer
diklasifikasikan sebagai sewa pembiayaan jika sewa substantially all the risks and rewards related to
tersebut mengalihkan secara substansial seluruh ownership of the leased assets. All other leases
risiko dan manfaat yang terkait dengan kepemilikan are classified as operating lease.
aset. Seluruh sewa lainnya diklasifikasikan sebagai
sewa operasi.
LAMPIRAN – 5/44 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 629
Page 632
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
r. Sewa pembiayaan (lanjutan) r. Finance leases (continued)
Konvensional (lanjutan) Conventional (continued)
Entitas Anak mengakui aset berupa piutang sewa The Subsidiary recognised assets of financial
pembiayaan sebesar jumlah yang sama dengan lease receivable at an amount equal to the net
investasi sewa neto. Penerimaan piutang sewa investment in the lease. Lease payment is treated
diperlakukan sebagai pembayaran pokok dan as repayment of principal and financing lease
penghasilan sewa pembiayaan. Pengakuan income. The recognition of financing lease income
penghasilan sewa pembiayaan didasarkan pada is based on a pattern reflecting a constant periodic
suatu pola yang mencerminkan suatu tingkat rate of return on The Subsidiary’s net investment
pengembalian periodik yang konstan atas investasi in the financing lease. The Subsidiary acts as a
neto. Entitas Anak bertindak sebagai lessor dalam lessor in finance leases.
sewa pembiayaan.
Piutang sewa pembiayaan akan dihapusbukukan Finance lease receivables will be written-off when
setelah menunggak lebih dari 180 hari. Penerimaan they are overdue for more than 180 days.
dari piutang yang telah dihapusbukukan diakui Recoveries from written-off receivables are
sebagai pendapatan lain-lain pada saat diterima. recognised as other income upon receipt.
IMBT - Syariah IMBT - Sharia
Entitas Anak mengakui aset IMBT sebesar harga The Subsidiary recognises IMBT asset at cost to
perolehan aset IMBT pada saat akad IMBT. Setelah acquire IMBT Assets when the IMBT contract is
pengakuan awal, aset IMBT disusutkan secara garis signed. After initial recognition, IMBT asset is
lurus sepanjang masa sewa. depreciated on a straight-line basis over the lease
term.
Pengakuan penghasilan IMBT adalah sebesar neto The recognition of IMBT income is net based on
dari angsuran IMBT dikurangi dengan penyusutan installment of IMBT less the depreciation of IMBT
aset IMBT. asset.
Aset terkait pembiayaan IMBT akan dihapusbukukan Asset related to IMBT financing will be written-off
setelah menunggak lebih dari 180 hari. Penerimaan when they are overdue for more than 180 days.
dari piutang yang telah dihapusbukukan diakui Recoveries from written-off receivables are
sebagai pendapatan lain-lain pada saat diterima. recognised as other income upon receipt.
s. Aset takberwujud s. Intangible assets
Aset takberwujud terdiri dari goodwill dan perangkat Intangible assets consist of goodwill and software
lunak yang dibeli Bank dan Entitas Anak. acquired by the Bank and Subsidiary.
s.1. Goodwill s.1. Goodwill
Goodwill timbul atas akuisisi dari suatu bisnis Goodwill arising on an acquisition of a
dicatat pada biaya perolehan yang ditetapkan business is carried at cost as established at
pada tanggal akuisisi bisnis tersebut dikurangi the date of acquisition of the business less
akumulasi penurunan nilai, jika ada. accumulated impairment losses, if any.
LAMPIRAN – 5/45 – SCHEDULE
630 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 633
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
s. Aset takberwujud (lanjutan) s. Intangible assets (continued)
s.1. Goodwill (lanjutan) s.1. Goodwill (continued)
Goodwill tidak diamortisasi tetapi direviu untuk Goodwill is not amortized but is reviewed for
penurunan nilai setidaknya setiap tahun. Untuk impairment at least annually. For the purpose
tujuan uji penurunan nilai, goodwill dialokasikan of impairment testing, goodwill is allocated to
pada setiap unit penghasil kas dari Bank dan each of the Bank and Subsidiary’ cash-
Entitas Anak (atau kelompok unit penghasil generating units (or group of cash-generating
kas) yang diperkirakan memberikan manfaat units) expected to benefit from the synergies
dari sinergi kombinasi bisnis tersebut. Unit of the combination. A cash-generating unit to
penghasil kas yang telah memperoleh alokasi which goodwill has been allocated is tested
goodwill diuji penurunan nilainya setiap tahun, for impairment annually, or more frequently
atau lebih sering jika terdapat indikasi bahwa when there is an indication that the unit may
unit penghasil kas tersebut mungkin mengalami be impaired. If the recoverable amount of the
penurunan nilai. Jika jumlah terpulihkan dari cash-generating unit is less than its carrying
unit penghasil kas kurang dari jumlah amount, the impairment loss is allocated first
tercatatnya, rugi penurunan nilai dialokasikan to reduce the carrying amount of any goodwill
pertama kali untuk mengurangi jumlah tercatat allocated to the unit and then to the other
atas setiap goodwill yang dialokasikan pada assets of the unit pro-rata on the basis of the
unit penghasil kas dan kemudian ke aset lain carrying amount of each asset in the unit. Any
dari unit penghasil kas secara prorata impairment loss for goodwill is recognized
berdasarkan jumlah tercatat dari setiap aset directly in profit or loss in the consolidated
dalam unit penghasil kas tersebut. Setiap statement of profit or loss and other
kerugian penurunan nilai goodwill diakui secara comprehensive income. An impairment loss
langsung dalam laba rugi pada laporan laba recognized for goodwill is not reversed in
rugi dan penghasilan komprehensif lain subsequent periods.
konsolidasian. Rugi penurunan nilai yang diakui
atas goodwill tidak dapat dibalik pada periode
berikutnya.
Pada pelepasan Entitas Anak atau unit On disposal of a subsidiary or the relevant
penghasil kas, jumlah goodwill yang dapat cash-generating unit, the attributable amount
diatribusikan termasuk dalam penentuan laba of goodwill is included in the determination of
rugi atas pelepasan. the profit or loss on disposal.
s.2. Perangkat lunak s.2. Software
Perangkat lunak yang dibeli oleh Bank dan Entitas Software acquired by the Bank and Subsidiary
Anak dicatat sebesar biaya perolehan dikurangi is stated at cost less accumulated amortization
akumulasi amortisasi dan akumulasi kerugian and accumulated impairment losses.
penurunan nilai.
Pengeluaran untuk modifikasi perangkat lunak Expenditure on internal modification software
secara internal diakui sebagai aset ketika Bank is recognized as an asset when the Bank and
dan Entitas Anak dapat mendemonstrasikan Subsidiary are able to demonstrate their
maksud dan kemampuannya untuk intention and ability to complete the
menyelesaikan pengembangan dan memakai development and use of the software in a
perangkat lunak tersebut dalam menghasilkan manner that will generate future economic
keuntungan ekonomis dimasa mendatang, dan benefits, and can reliably measure the costs
dapat secara andal mengukur biaya untuk to complete the development. The capitalized
menyelesaikan pengembangan. Biaya yang costs of internally developed software include
dikapitalisasi dari pengembangan perangkat all costs directly attributable to develop the
lunak secara internal mencakup semua biaya software, and are amortized over its useful
yang dapat diatribusikan langsung untuk life. Internally developed software is stated at
pengembangan perangkat lunak. capitalized cost less accumulated
Pengembangan perangkat lunak dinyatakan amortization and impairment losses.
pada biaya yang dikapitalisasi dikurangi
akumulasi amortisasi dan penurunan nilai.
LAMPIRAN – 5/46 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 631
Page 634
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
s. Aset takberwujud (lanjutan) s. Intangible assets (continued)
s.2. Perangkat lunak (lanjutan) s.2. Software (continued)
Pengeluaran selanjutnya untuk perangkat Subsequent expenditure on software is
lunak akan dikapitalisasi hanya jika capitalized only when it increases the future
pengeluaran tersebut menambah manfaat economic benefits embodied in the specific
ekonomis aset yang bersangkutan di masa asset to which it relates. All other
mendatang. Semua pengeluaran lainnya expenditures are expensed as incurred.
dibebankan pada saat terjadinya.
Amortisasi diakui dalam laba rugi dengan Amortization is recognized in profit or loss on
menggunakan metode garis lurus sepanjang a straight-line basis over the estimated useful
masa manfaat dari perangkat lunak tersebut, life of the software, from the date it is
dari tanggal perangkat lunak tersebut tersedia available for use. The estimated useful life of
untuk dipakai. Estimasi masa manfaat dari software is five years.
perangkat lunak adalah lima tahun.
Metode amortisasi, estimasi masa manfaat, Amortization method, useful lives, and
dan nilai residual ditelaah pada setiap akhir residual values are reviewed at each financial
tahun pelaporan dan disesuaikan jika dianggap year-end and adjusted if appropriate.
tepat.
t. Aset tetap dan Aset hak guna t. Fixed assets and Right-of-use assets
Aset tetap Fixed asset
Aset tetap pada awalnya dinyatakan sebesar harga Fixed assets are initially recognized at acquisition
perolehan. Setelah pengukuran awal, aset tetap cost. After initial measurement, fixed assets are
diukur dengan model biaya, dicatat pada harga measured using the cost model, carried at their cost
perolehan dikurangi akumulasi penyusutan dan less any accumulated depreciation and
akumulasi kerugian penurunan nilai. accumulated impairment losses.
Harga perolehan mencakup harga pembelian dan Acquisition cost includes purchase price and any
semua beban yang terkait secara langsung untuk costs directly attributable to bring the assets to the
membawa aset tersebut ke lokasi dan kondisi yang location and condition necessary for it to be
diperlukan untuk memungkinkan aset tersebut capable of operating in the manner intended by
beroperasi sebagaimana ditentukan oleh management.
manajemen.
Tanah dinyatakan sebesar harga perolehan dan Land is stated at cost and not depreciated.
tidak disusutkan.
Penyusutan diakui dengan metode garis lurus Depreciation is recognized so as to write off the
setelah memperhitungkan nilai residu berdasarkan cost of assets less residual value using the straight-
taksiran masa manfaat asset tetap sebagai berikut: line method based on the estimate useful lives of
the assets as follows:
Tahun/Years
Bangunan 20 Buildings
Perlengkapan kantor 4-5 Office equipment
Kendaraan bermotor 3-5 Motor vehicles
Apabila aset tetap tidak digunakan lagi atau dijual, When fixed assets are retired or otherwise
maka nilai tercatat dan akumulasi penyusutannya disposed of, their carrying values and the related
dikeluarkan dari laporan posisi keuangan accumulated depreciation are removed from the
konsolidasian, dan keuntungan atau kerugian yang consolidated statements of financial position, and
terjadi diakui dalam laba rugi. the resulting gains or losses are recognized in profit
or loss.
LAMPIRAN – 5/47 – SCHEDULE
632 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 635
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
t. Aset tetap dan Aset hak guna (lanjutan) t. Fixed assets and Right-of-use assets
(continued)
Akumulasi biaya pengembangan aset tetap The accumulated costs of the construction of fixed
dikapitalisasi sebagai aset dalam penyelesaian. assets are capitalized as construction in progress.
Beban tersebut direklasifikasi ke aset tetap pada These costs are reclassified to fixed assets when
saat proses konstruksi selesai dan siap digunakan. the construction is completed. Depreciation is
Penyusutan mulai dibebankan pada bulan yang charged from such month.
sama.
Beban perbaikan dan pemeliharaan dibebankan The cost of repairs and maintenance is charge to
pada laba rugi pada saat terjadinya. Biaya-biaya lain profit or loss as incurred. Other costs incurred
yang terjadi selanjutnya yang timbul untuk subsequently to add to, replace part of, or service
menambah, mengganti atau memperbaiki aset tetap and item of fixed assets, are recognized as asset
dicatat sebagai biaya perolehan aset jika, dan hanya if, and only if, it is probable that future economic
jika, kemungkinan besar Bank dan Entitas Anak benefits associated with the item will flow to the
akan memperoleh manfaat ekonomik masa depan Bank and Subsidiary and the cost of the item can
dari asset tersebut dan biaya – biaya tersebut dapat be measured reliably.
diukur secara andal.
Pada setiap tanggal pelaporan, nilai residu, masa At each reporting date, residual value, useful life
manfaat dan metode penyusutan dikaji ulang dan and depreciation method are reviewed, and if
jika diperlukan, akan disesuaikan dengan ketentuan required, will be adjusted and applied in
PSAK yang berlaku. accordance with the requirement of prevailing
Statement of Financial Accounting Standards.
Sewa (Bank dan Entitas Anak sebagai penyewa) Lease (the Bank and its Subsidiary as lessee)
Bank dan Entitas Anak menilai apakah sebuah Bank and its subsidiary assesses whether a
kontrak mengandung sewa, pada tanggal insepsi contract is or contains a lease, at the inception of
kontrak. Bank dan entitas anak mengakui aset hak the contract. Bank and its subsidiary recognizes a
guna dan liabilitas sewa terkait sehubungan dengan right-of-use asset and its corresponding lease
seluruh kesepakatan sewa di mana Bank dan Entitas liability with respect to all lease arrangements in
Anak merupakan penyewa, kecuali untuk sewa which it is the lessee, except for short-term leases
jangka-pendek (12 bulan atau kurang) dan sewa (12 months or less) and leases of low value assets.
yang aset pendasarnya bernilai rendah. Untuk sewa- For these leases, Bank and its subsidiary
sewa tersebut, Bank dan Entitas Anak mengakui recognizes the lease payments as general and
pembayaran sewa sebagai beban umum dan administrative expenses on a straight-line basis
administrasi secara garis lurus selama masa sewa. over the term of the lease.
Aset hak guna terdiri dari pengukuran awal atas The right-of-use assets comprise the initial
liabilitas sewa, pembayaran sewa yang dilakukan measurements of the corresponding lease liability,
pada saat atau sebelum permulaan sewa dan biaya lease payments made at or before the
langsung awal. Aset hak guna selanjutnya diukur commencement day and any initial direct costs.
sebesar biaya dikurangi akumulasi penyusutan dan Right-of-use assets are subsequently measured at
kerugian penurunan nilai (apabila ada). Aset hak cost less accumulated depreciation and
guna disusutkan selama periode yang lebih singkat impairment losses (if any). Right-of-use assets are
antara masa sewa dan masa manfaat aset depreciated over the shorter period of lease term
pendasar. and useful life of the underlying assets.
LAMPIRAN – 5/48 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 633
Page 636
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
t. Aset tetap dan Aset Hak Guna (lanjutan) t. Fixed assets and Right-of-use Assets
(continued)
Sewa (Bank dan Entitas Anak sebagai penyewa) Lease (the Bank and its Subsidiary as lessee)
(lanjutan) (continued)
Liabilitas sewa awalnya diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa masa depan yang belum present value of the lease payments that are not
dibayarkan pada tanggal permulaan, yang paid at the commencement date, discounted by
didiskontokan menggunakan suku bunga implisit using the rate implicit in the lease. If this rate is not
dalam sewa. Jika tidak tersedia, maka Bank dan available, Bank and its subsidiary uses the lessee’s
entitas anak menggunakan suku bunga pinjaman incremental borrowing rate which based on risk-
inkremental penyewa berdasarkan tingkat suku free rate based on government bond rates and
bunga bebas risiko dari obligasi pemerintah dan adjusted with the credit-risk spread of the lessee.
disesuaikan dengan risiko kredit khusus dari Lease liability subsequently measured using
penyewa. Liabilitas sewa selanjutnya diukur dengan effective interest rate and its interest expenses are
metode suku bunga efektif dan beban bunga presented as part of general and administrative
disajikan sebagai bagian dari beban umum dan expenses.
administrasi.
u. Agunan yang diambil alih u. Foreclosed assets
Agunan yang diambil alih sehubungan dengan Foreclosed assets acquired in conjunction with
penyelesaian kredit dinyatakan berdasarkan nilai settlement of loans are stated at the lower of
terendah antara nilai tercatat pinjaman yang related loans’ carrying value or net realizable value
diberikan terkait atau nilai realisasi neto dari agunan of the foreclosed assets. Net realizable value is the
yang diambil alih. Nilai realisasi neto adalah nilai fair value of the foreclosed assets after deducting
wajar agunan yang diambil alih setelah dikurangi the estimated cost of disposal. The excess
beban pelepasan. Selisih lebih antara nilai tercatat between the carrying value and the net realizable
dan nilai realisasi neto dicatat sebagai cadangan value is recorded as allowance for impairment of
penurunan nilai atas agunan yang diambil alih dan foreclosed assets and is charged to the current
dibebankan pada laba rugi tahun berjalan. Secara year profit or loss. In general, the Bank does not
umum, Bank tidak menggunakan aset yang diambil utilize foreclosed assets for business use.
alih untuk kepentingan bisnis.
Beban-beban sehubungan dengan pemeliharaan Expenses in relation with the maintenance of those
agunan yang diambil alih tersebut dibebankan pada foreclosed assets are charged to expense as
saat terjadinya. incurred.
v. Tagihan dan utang akseptasi v. Acceptance receivables and payables
Tagihan dan utang akseptasi setelah pengakuan Acceptance receivables and payables after initial
awal dicatat pada biaya perolehan diamortisasi. recognition are carried at amortized cost.
w. Simpanan nasabah dan simpanan dari bank lain w. Deposits from customers and deposits from
other banks
Simpanan nasabah dan simpanan dari bank lain Deposits from customers and deposits from other
pada awalnya diukur pada nilai wajar ditambah biaya banks are initially measured at fair value plus
transaksi yang dapat diatribusikan secara langsung directly attributable transaction costs and
dan setelah pengakuan awal diukur pada biaya subsequently measured at their amortized cost
perolehan diamortisasi dengan menggunakan using the effective interest rate method.
metode suku bunga efektif.
LAMPIRAN – 5/49 – SCHEDULE
634 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 637
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
x. Pendapatan dan beban bunga x. Interest income and expenses
Pendapatan dan beban bunga diakui dalam laporan Interest income and expenses are recognized in
laba rugi konsolidasian dengan menggunakan consolidated statement of profit or loss using the
metode suku bunga efektif. Suku bunga efektif effective interest rate method. The effective
adalah tingkat suku bunga yang secara tepat interest rate is the rate that exactly discounts the
mendiskontokan estimasi pembayaran dan estimated future cash payments and receipts
penerimaan kas di masa datang selama perkiraan through the expected life of the financial asset or
umur dari aset keuangan atau liabilitas keuangan financial liability (or, where appropriate, a shorter
(atau, jika lebih tepat, digunakan tahun yang lebih year) to the carrying amount of the financial asset
singkat) untuk memperoleh nilai tercatat dari aset or financial liability. When calculating the effective
keuangan atau liabilitas keuangan. Pada saat interest, the Bank and Subsidiary estimate future
menghitung suku bunga efektif, Bank dan Entitas cash flows considering all contractual terms of the
Anak mengestimasi arus kas di masa datang dengan financial instrument but not future credit losses.
mempertimbangkan seluruh persyaratan kontraktual
dalam instrumen keuangan tersebut, tetapi tidak
mempertimbangkan kerugian kredit dimasa
mendatang.
Saat estimasi arus kas telah direvisi, nilai tercatat Where the estimates of cash flows have been
atas aset atau liabilitas keuangan disesuaikan untuk revised, the carrying amount of the financial asset
merefleksikan arus kas yang aktual setelah or liability is adjusted to reflect the actual cash
restrukturisasi yang didiskontokan pada suku bunga flows after restructuring discounted at the
efektif awal. Penyesuaian ini diakui sebagai instruments original effective interest rate. The
pendapatan atau beban pada periode dilakukannya adjustment is recognized as income or expense in
revisi. the period in which the revision is made.
Pendapatan dan beban bunga yang disajikan pada Interest income and expenses presented in profit
laba rugi meliputi: or loss include:
• Bunga atas aset keuangan dan liabilitas • Interest on financial assets and financial
keuangan yang dicatat pada biaya perolehan liabilities at amortized cost calculated using
diamortisasi yang dihitung dengan effective interest rate method;
menggunakan metode suku bunga efektif;
• Bunga atas aset keuangan yang diukur pada nilai • Interest on fair value through other
wajar melalui penghasilan komprehensif lain comprehensive income financial assets
yang dihitung dengan menggunakan metode calculated using on the effective interest rate
suku bunga efektif; method;
• Bunga atas semua aset keuangan yang • Interest on all fair value through profit or loss
diklasifikasikan dalam kelompok diukur pada nilai financial assets. Interest income on all fair
wajar melalui laba rugi. Pendapatan bunga dari value through profit or loss financial assets are
semua aset keuangan yang diukur pada nilai considered to be incidental to the Bank’s
wajar melalui laba rugi dipandang tidak signifikan trading operations.
terhadap kegiatan perdagangan Bank.
Pendapatan bunga atas aset keuangan yang Interest on the impaired financial asset is
mengalami penurunan nilai diakui menggunakan suku recognized using the interest rate used to discount
bunga yang digunakan untuk mendiskonto arus kas the future cash flows for the purpose of measuring
masa datang dalam pengukuran kerugian penurunan the impairment loss.
nilai.
Pendapatan syariah terdiri dari pendapatan dari piutang Sharia income consists of income from murabahah
murabahah, bagi hasil pembiayaan musyarakah, receivables, profit distribution of musyarakah
pendapatan dari ijarah dan pendapatan atas investasi financing, income from ijarah and income on
pada efek-efek syariah berikut amortisasi beban terkait. investment in sharia securities including the
amortization of related costs.
LAMPIRAN – 5/50 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 635
Page 638
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
x. Pendapatan dan beban bunga (lanjutan) x. Interest income and expenses (continued)
Pada saat pinjaman yang diberikan diklasifikasikan When a loan is classified as non-performing, any
sebagai bermasalah, bunga yang telah diakui tetapi interest income previously recognized but not yet
belum tertagih akan dibatalkan pengakuannya. collected is reversed against interest income. The
Selanjutnya bunga yang dibatalkan tersebut diakui reversed interest income is recognized as a
sebagai tagihan kontinjensi. contingent receivable.
Pendapatan marjin murabahah diakui selama masa Murabahah margin income is recognized during
akad dengan dasar akrual. Pendapatan bagi hasil the contract period using accrual basis. Income
pembiayaan musyarakah diakui pada saat diterima from profit distribution of musyarakah financing is
atau dalam periode terjadinya hak bagi hasil sesuai recognized when received or in the period when the
porsi bagi hasil (nisbah) yang disepakati. rights arise in accordance with agreed distribution
ratio (nisbah).
Pendapatan ijarah dari akad IMBT diakui selama masa Ijarah income from IMBT agreement is recognized
akad secara merata sejak aset tersedia sampai akhir over the contract period in a straight-line method
akad. Pendapatan ijarah multijasa diakui secara merata from the time the assets become available until the
selama masa akad ijarah antara Bank dan Entitas Anak end of the contract. Multi-service ijarah income is
dengan Nasabah. Pendapatan IMBT dan ijarah recognized in a straight-line during the period of the
multijasa disajikan secara neto setelah dikurangi beban ijarah contract between the Bank and with the
terkait di laba rugi konsolidasian. Subsidiary. Income from IMBT and multi-services
ijarah are presented on a net basis after deducting
the related expenses in consolidated profit or loss.
Beban syariah terdiri dari beban bagi hasil dari Sharia expense consists of expense for profit
simpanan nasabah dengan akad mudharabah dan distribution on customer deposits with mudharabah
bonus atas simpanan dengan akad wadiah. contract and bonus on customers deposits with
wadiah contract.
Pendapatan bunga atas aset keuangan baik yang Interest income for financial assets held at either
diukur dengan nilai wajar melalui penghasilan fair value through other comprehensive income or
komprehensif lain atau biaya perolehan diamortisasi amortized cost and interest expense on all financial
dan beban bunga atas seluruh liabilitas keuangan yang liabilities held at amortized cost are recognized in
diukur dengan biaya perolehan diamortisasi, diakui profit or loss using the effective interest method.
pada laba rugi berdasarkan suku bunga efektif.
Pendapatan bunga atas aset keuangan yang diukur Interest income for financial assets that are either
dengan nilai wajar melalui penghasilan komprehensif held at fair value through other comprehensive
lain atau biaya diamortisasi yang mengalami penurunan income or amortized cost that have become credit
nilai setelah pengakuan awal (Tahap 3) diakui impaired subsequent to initial recognition (Stage 3)
berdasarkan suku bunga efektif kredit yang is recognized using the credit adjusted effective
disesuaikan. Tingkat bunga ini dihitung dengan cara interest rate. This rate is calculated in the same
yang sama dalam perhitungan suku bunga efektif manner as the effective interest rate except that
kecuali bahwa cadangan kerugian kredit ekspektasian expected credit losses are included in the expected
dimasukkan dalam arus kas ekspektasian. Oleh cash flows. Interest income is therefore recognized
karenanya, pendapatan bunga diakui atas aset on the amortized cost of the financial asset
keuangan dalam klasifikasi biaya perolehan including expected credit losses. Should the credit
diamortisasi termasuk kerugian kredit ekspektasian. risk on a Stage 3 financial asset improve such that
Dalam kondisi risiko kredit atas aset keuangan Tahap 3 the financial asset is no longer considered credit
mengalami perbaikan sehingga aset keuangan tidak impaired, interest income recognition reverts to a
lagi dipertimbangkan mengalami penurunan nilai, computation based on the rehabilitated carrying
pengakuan pendapatan bunga dihitung berdasarkan value of the financial asset gross.
nilai tercatat bruto aset keuangan.
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636 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 639
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
y. Pendapatan dan beban provisi dan komisi dan y. Fees and commission income and expense and
imbalan jasa lain other fees
Pendapatan dan beban provisi dan komisi yang Fees and commission income and expenses that
merupakan bagian tak terpisahkan dari suku bunga are integral to the effective interest rate of a
efektif atas aset keuangan atau liabilitas keuangan financial asset or financial liability are included in
dimasukkan ke dalam perhitungan suku bunga the calculation of effective interest rate.
efektif.
Pendapatan provisi dan komisi serta imbalan jasa Fees and commission income and other fees,
lain termasuk provisi yang terkait dengan kegiatan including credit related fees, bancassurance
perkreditan, bancassurance, kegiatan ekspor-impor, related fees, export-import related fees, cash
manajemen kas, provisi sebagai pengatur sindikasi management, syndication lead arranger fees, and
dan provisi atas jasa lainnya diakui pada saat jasa other service fees are recognized as the related
tersebut dilakukan. services are performed.
Beban provisi dan komisi lainnya sehubungan Other fees and commission expense related
dengan transaksi antar Bank diakui sebagai beban interBank transactions are expensed as the
pada saat jasa tersebut diterima. services are received.
Apabila pinjaman diselesaikan sebelum jatuh tempo, The outstanding balances of unamortized fees and
maka saldo pendapatan provisi dan komisi yang commissions on loans terminated or settled prior to
belum diamortisasi diakui pada saat pinjaman maturity are recognized as income upon
diselesaikan. settlement.
z. Keuntungan atau kerugian dari perubahan nilai z. Gains or losses from changes in fair value of
wajar atas instrumen keuangan financial instruments
Keuntungan atau kerugian dari perubahan nilai wajar Gains or losses from changes in fair value of
instrumen keuangan merupakan perubahan nilai financial instruments represents changes in fair
wajar efek-efek dan Obligasi Pemerintah yang value of trading marketable securities and
diperdagangkan dan instrumen derivatif. Government Bonds and derivative instruments.
aa. Efek yang diterbitkan aa. Securities issued
Efek yang diterbitkan dicatat sebesar nilai nominal Securities issued are presented at nominal value,
dikurangi saldo diskonto yang belum diamortisasi. net of unamortized discounts. Bond issuance costs
Beban emisi obligasi sehubungan dengan in connection with the issuance of bonds are
penerbitan obligasi diakui sebagai diskonto dan recognized as discounts and directly deducted
dikurangkan langsung dari hasil emisi obligasi. from the proceeds of securities issued. The
Diskonto diamortisasi selama jangka waktu obligasi discounts are amortized over the period of the
tersebut dengan menggunakan metode suku bunga bonds using the effective interest rate method.
efektif.
ab. Sukuk mudharabah ab. Mudharabah bonds
Entitas Anak pada awalnya mengakui sukuk The Subsidiary initially recognizes mudharabah
mudharabah pada saat sukuk mudharabah bonds on the date of issuance of mudharabah
diterbitkan sebesar nominalnya. bonds at nominal value.
Biaya transaksi sehubungan dengan penerbitan Transaction costs related to the issuance of
sukuk mudharabah diakui secara terpisah dari sukuk mudharabah bonds are recognized separately
mudharabah. Biaya transaksi diamortisasi from mudharabah bonds. Transaction costs are
menggunakan metode garis lurus selama jangka amortized using straight-line method over the term
waktu sukuk mudharabah dan dicatat sebagai of mudharabah bonds and are recorded as part of
bagian dari beban keuangan. financing charges.
LAMPIRAN – 5/52 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 637
Page 640
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
ab. Sukuk mudharabah (lanjutan) ab. Mudharabah bonds (continued)
Sukuk mudharabah disajikan sebagai bagian dari Mudharabah bonds are presented as a part of
liabilitas dan biaya transaksi sehubungan penerbitan liabilities and the transaction costs related to the
sukuk mudharabah disajikan dalam aset sebagai issuance of mudharabah bonds are presented in
biaya dibayar dimuka. assets as part of prepaid expenses.
ac. Perpajakan ac. Taxation
Beban pajak terdiri dari beban pajak kini dan beban Income tax expense comprises of current and
pajak tangguhan. Beban pajak diakui pada laba rugi deferred tax. Income tax expense is recognized in
kecuali untuk akun yang langsung diakui di profit or loss except to the extent it relates to
komponen ekuitas lainnya, dimana beban pajak accounts recognized directly in other equity
yang terkait dengan akun tersebut diakui di components, in which case it is recognized in other
penghasilan komprehensif lain. comprehensive income.
Beban pajak kini adalah utang pajak yang ditentukan Current tax expense is the expected tax payable
berdasarkan laba kena pajak untuk tahun yang on the taxable income for the year, calculated
bersangkutan yang dihitung berdasarkan tarif pajak using tax rates enacted or substantively enacted at
yang berlaku atau yang secara substansial telah the reporting date.
berlaku pada tanggal pelaporan.
Bank dan Entitas Anak menerapkan metode aset The Bank and Subsidiary adopt the asset and
dan liabilitas dalam menghitung beban pajaknya. liability method in determining their income tax
Dengan metode ini, aset dan liabilitas pajak expense. Under this method, deferred tax assets
tangguhan diakui pada setiap tanggal pelaporan and liabilities are recognized at each reporting date
sebesar perbedaan temporer aset dan liabilitas for temporary differences between the accounting
untuk tujuan akuntansi dan tujuan pajak. Metode ini and tax bases of assets and liabilities. This method
juga mengharuskan pengakuan manfaat pajak di also requires the recognition of future tax benefits,
masa akan datang, jika kemungkinan realisasi to the extent that realization of such benefits is
manfaat tersebut di masa mendatang cukup besar probable. Currently enacted or substantively
(probable). Tarif pajak yang berlaku atau yang enacted tax rates are used in the determination of
secara substansial telah berlaku digunakan dalam deferred income tax.
menentukan pajak penghasilan tangguhan.
Aset pajak tangguhan diakui apabila terdapat Deferred tax assets are recognized to the extent
kemungkinan besar bahwa jumlah laba fiskal pada that it is probable that future taxable profit will be
masa datang akan memadai untuk mengkompensasi available to compensate the temporary differences
perbedaan temporer yang menimbulkan aset pajak which result in such deferred tax assets.
tangguhan tersebut.
Aset dan liabilitas pajak penghasilan tangguhan Deferred income tax assets and liabilities are offset
dapat saling hapus apabila terdapat hak yang when there is a legally enforceable right to offset
berkekuatan hukum untuk melakukan saling hapus current tax assets against current tax liabilities and
antara aset pajak kini dengan liabilitas pajak kini dan when the deferred income tax assets and liabilities
apabila aset dan liabilitas tangguhan terkait pajak relate to income taxes levied by the same taxation
penghasilan yang dikenakan oleh otoritas authority on either the same taxable entity or
perpajakan yang sama, baik atas entitas kena pajak different taxable entities where there is an intention
yang sama ataupun berbeda dan adanya niat untuk to settle the balances on a net basis.
melakukan penyelesaian saldo-saldo tersebut
secara neto.
Perubahan terhadap kewajiban perpajakan dicatat Amendments to taxation obligations are recorded
pada saat diterimanya surat ketetapan, atau apabila when an assessment letter is received or, if appeal
dilakukan banding, atau ketika hasil banding is applied, or when the results of the appeal are
diterima. received.
LAMPIRAN – 5/53 – SCHEDULE
638 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 641
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
ad. Imbalan kerja ad. Employee benefits
Imbalan kerja jangka pendek Short-term employees’ benefits
Imbalan kerja jangka pendek diakui pada saat Short-term employees’ benefits are recognized
terutang kepada karyawan berdasarkan metode when they are owed to the employees based on
akrual. accrual method.
Imbalan kerja jangka panjang dan imbalan Long-term and post-employment benefits
pasca-kerja
Imbalan kerja jangka panjang dan imbalan pasca- Long-term and post-employment benefits, such as
kerja, seperti pensiun, uang pesangon, uang pension, severance pay, service pay and other
penghargaan dan imbalan lainnya, dihitung benefits, are calculated in accordance with
berdasarkan "Peraturan Perusahaan" yang sesuai “Company Regulation” which in accordance with
dengan Undang-undang No.11 tahun 2020 yang Labor Law No.11 of year 2020 which was then
kemudian ditetapkan menjadi Undang-undang No.6 established as Labor Law No.6 of year 2023 on Job
tahun 2023 Tentang Cipta Kerja (Undang Undang Creation (Job Creation Law).
Cipta Kerja).
Bank dan Entitas Anak menerapkan PSAK 219, The Bank and Subsidiary applies PSAK 219,
Imbalan Kerja. Employee Benefits.
Kewajiban imbalan pasca-kerja yang diakui di The obligation for post-employment benefits
laporan posisi keuangan dihitung berdasarkan nilai recognized in the statement of financial position is
kini dari estimasi kewajiban imbalan pasca-kerja di calculated at present value of estimated future
masa depan yang timbul dari jasa yang telah benefits that the employees have earned in return
diberikan oleh karyawan pada masa kini dan masa for their services in the current and prior years, less
lalu, dikurangi dengan nilai wajar aset program. fair value of plan asset. The calculation is
Perhitungan dilakukan oleh aktuaris performed by an independent actuary using the
independen dengan metode projected-unit-credit. projected-unit-credit method.
Ketika imbalan pasca-kerja berubah, porsi kenaikan When the post-employment benefits change, the
atau penurunan imbalan sehubungan dengan jasa portion of the increased or decreased benefits
yang telah diberikan oleh karyawan pada masa lalu relating to past services by employees is charged
dibebankan atau dikreditkan ke dalam laporan laba or credited to the statement of profit or loss. To the
rugi. Imbalan pasca-kerja yang telah dan belum extent that the benefits vest and not yet vest, the
menjadi hak karyawan diakui segera sebagai beban expense is recognized immediately in the
dalam laporan laba rugi. statement of profit or loss.
Pengukuran kembali terdiri dari keuntungan dan Remeasurement comprising actuarial gains and
kerugian aktuarial, dampak batas atas aset (jika ada) losses, the effect of the asset ceiling (if applicable)
dan dari imbal hasil atas aset program (tidak and the return on plan asset (excluding interest),
termasuk bunga), diakui langsung dalam laporan are recognized immediately in the consolidated
posisi keuangan konsolidasian yang dibebankan statement of financial position with a charge or
atau dikreditkan ke penghasilan komprehensif lain credit recognized in other comprehensive income
periode terjadinya. Pengukuran kembali diakui in the period in which they occur.
dalam penghasilan komprehensif lain tercermin Remeasurements recognized in other
segera dalam ”saldo laba”. comprehensive income are reflected immediately
in “retained earnings”.
LAMPIRAN – 5/54 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 639
Page 642
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
ad. Imbalan kerja (lanjutan) ad. Employee benefits (continued)
Imbalan kerja jangka panjang dan imbalan Long-term and post-employment benefits
pasca-kerja (lanjutan) (continued)
Bank dan Entitas Anak telah memiliki program Bank and Subsidiary also has a defined
pensiun iuran pasti yang mana Bank dan Entitas contribution pension program where Bank and
Anak membayar iuran ke dana pensiun lembaga Subsidiary pays contributions to a financial
keuangan yang dihitung berdasarkan persentase institution pension plan which is calculated at a
tertentu dari penghasilan tetap yang diterima certain percentage of fixed income of employees
karyawan yang sudah memenuhi kriteria yang who meet Bank and Subsidiary’ criteria. The
ditetapkan Bank dan Entitas Anak. Iuran dibebankan contributions are charged to the statement of profit
ke dalam laporan laba rugi pada saat terhutang. or loss as they become payable.
Imbalan kerja jangka panjang lainnya Other long-term employment benefits
Entitas Anak memberikan imbalan kerja jangka Subsidiary provides other long-term employment
panjang lainnya berupa tunjangan cuti besar yang benefits in the form of long service leave award
ditentukan sesuai dengan Peraturan Entitas Anak. which is determined in compliance with the
Tunjangan cuti besar diperkirakan tidak akan Subsidiary’ Regulation. The long service leave
diselesaikan seluruhnya dalam waktu 12 bulan award are not expected to be settled wholly within
setelah tanggal laporan posisi keuangan dimana 12 months after the statement of financial position
karyawan memberikan jasa terkait. Kewajiban ini date in which the employees render the related
diukur sebagai nilai kini dari perkiraan pembayaran service. These obligations are measured as the
di masa depan yang akan dibuat sehubungan present value of future payments to be made in
dengan jasa yang diberikan oleh karyawan hingga respect of services provided by employees up to
akhir periode pelaporan dengan menggunakan the end of the reporting period using Projected Unit
metode Projected Unit Credit dan dihitung minimum Credit method and are calculated minimum once a
satu tahun sekali oleh aktuaris independen. year by an independent actuary.
Pesangon Termination benefits
Pesangon terutang ketika karyawan dihentikan kontrak Termination benefits are payable whenever an
kerjanya sebelum usia pensiun normal. Bank dan employee’s employment is terminated before the
Entitas Anak mengakui kewajiban pesangon ketika normal retirement age. The Bank and Subsidiary
Bank dan Entitas Anak menunjukkan komitmennya recognize termination benefits liability when it is
untuk memutuskan kontrak kerja dengan karyawan demonstrably committed to terminate the
berdasarkan suatu rencana formal terperinci yang kecil employment of current employees according to a
kemungkinannya untuk dibatalkan. Pesangon yang detailed formal plan and the possibility to withdraw the
akan dibayarkan dalam waktu lebih dari 12 bulan plan is remote. Benefits falling due more than 12
setelah tanggal pelaporan didiskontokan untuk months after the reporting date are discounted at
mencerminkan nilai kini. present value.
Program kompensasi jangka panjang Long-term compensation program
Bank memberikan program kompensasi jangka The Bank provide long-term compensation program
panjang kepada Direksi dan karyawan Bank yang to the Bank’s Board of Directors and eligible
memenuhi persyaratan. Program ini diberikan employees. The program is granted based on
berdasarkan pencapaian target tertentu perusahaan achievement of certain corporate measurements and
dan peringkat kerja perorangan. Beban kompensasi individual performance rating. The compensation
dihitung berdasarkan nilai uang yang dikeluarkan Bank expense is calculated based on the amount of money
dan diamortisasi selama masa tunggu. paid by the Bank and is amortized during the holding
period.
LAMPIRAN – 5/55 – SCHEDULE
640 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 643
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
ae. Laba per saham ae. Earnings per share
Laba per saham dasar dihitung dengan membagi laba Basic earnings per share are computed by dividing
bersih yang diatribusikan kepada pemilik entitas induk net income attributable to equity holders of parent
dengan jumlah rata-rata tertimbang saham yang entity with the weighted average number of shares
beredar pada tahun berjalan. outstanding during the year.
af. Beban emisi saham af. Shares issuance cost
Beban yang terjadi sehubungan dengan Penawaran Cost incurred in relation with Limited Public Offering
Umum Terbatas dengan Hak Memesan Efek Terlebih with Pre-emptive Rights (Rights Issue) is recorded as
Dahulu (Rights Issue), dicatat sebagai pengurang deduction from the additional paid-up capital which
tambahan modal disetor, yang merupakan selisih represents the excess of funds received from the
antara nilai yang diterima dari pemegang saham shareholders over the par value of shares.
dengan nilai nominal saham.
ag. Dividen ag. Dividend
Pembagian dividen kepada para pemegang saham Dividend distribution to the Bank’s shareholders is
Bank diakui sebagai sebuah liabilitas dalam laporan recognized as a liability in the Bank and Subsidiary’
keuangan konsolidasian Bank dan Entitas Anak pada consolidated financial statements in the year in which
tahun ketika dividen tersebut disetujui oleh para the dividends are approved by the Bank’s and
pemegang saham Bank dan Entitas Anak. Subsidiary’ shareholders.
ah. Transaksi dengan pihak yang berelasi ah. Transactions with related parties
Bank dan Entitas Anak melakukan transaksi dengan The Bank and Subsidiary enter into transactions with
pihak yang berelasi. Dalam laporan keuangan related parties. In these consolidated financial
konsolidasian ini, istilah pihak yang berelasi mengacu statements, the term related parties are used as
pada ketentuan PSAK 224, “Pengungkapan Pihak- defined in the PSAK 224, “Related Party Disclosures”.
Pihak yang Berelasi”.
Jenis transaksi dan saldo dengan pihak-pihak The nature of transactions and balances of accounts
berelasi, yang dilakukan berdasarkan persyaratan with related parties, which are made based on
usaha pada umumnya, yang disetujui oleh kedua commercial terms agreed by the parties, whereby
belah pihak, dimana persyaratan tersebut mungkin such terms may not be the same as those of the
tidak sama dengan transaksi lain yang dilakukan transactions between unrelated parties, are disclosed
dengan pihak-pihak yang tidak berelasi, diungkapkan in the notes to the consolidated financial statements.
dalam catatan atas laporan keuangan konsolidasian.
ai. Pinjaman subordinasi ai. Subordinated loan
Pinjaman subordinasi diakui sebesar nilai wajar pada Subordinated loan are initially recognized at fair value
awalnya dan selanjutnya diukur sebesar nilai biaya and subsequently measured at amortized cost using
perolehan diamortisasi dengan menggunakan metode the effective interest rate method. Amortized cost is
suku bunga efektif. Biaya perolehan diamortisasi calculated by taking into account any discount or
dihitung dengan memperhitungkan adanya diskonto premium on subordinated loan and transaction costs
atau premi terkait dengan pengakuan awal pinjaman that are an integral part of the effective interest rate.
subordinasi dan biaya transaksi yang merupakan
bagian yang tidak terpisahkan dari suku bunga efektif.
LAMPIRAN – 5/56 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 641
Page 644
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2. KEBIJAKAN AKUNTANSI YANG MATERIAL (lanjutan) 2. MATERIAL ACCOUNTING POLICIES (continued)
aj. Segmen operasi aj. Operating segments
Segmen operasi adalah komponen dari Bank yang An operating segment is a component of the Bank that
terlibat dalam aktivitas bisnis yang menghasilkan engages in business activities from which it may earn
pendapatan dan menimbulkan beban, termasuk revenues and incur expenses, including revenues and
pendapatan dan beban yang terkait dengan transaksi expenses that relate to transactions with any of the
dengan komponen lain Bank, dimana hasil operasinya Bank’s other components, whose operating results
dikaji ulang secara berkala oleh pengambil keputusan are reviewed regularly by the chief operating decision-
operasional untuk membuat keputusan mengenai maker to make decisions about resources allocated to
sumber daya yang akan dialokasikan pada segmen the segment and assess its performance and for
tersebut dan menilai kinerjanya, serta tersedia informasi which discrete financial information is available.
keuangan yang dapat dipisahkan. Hasil segmen yang Segment results that are reported to the chief
dilaporkan kepada pengambil keputusan operasional operating decision-maker include items directly
meliputi komponen-komponen yang dapat diatribusikan attributable to a segment, as well as those that can be
secara langsung kepada suatu segmen dan komponen- allocated on a reasonable basis. Unallocated items
komponen yang dapat dialokasikan dengan dasar yang mainly comprise of income tax assets and liabilities,
wajar. Komponen yang tidak dapat dialokasikan including current and deferred taxes and fixed assets.
terutama terdiri dari aset dan liabilitas pajak
penghasilan, termasuk pajak kini dan pajak tangguhan
serta aset tetap.
ak. Transaksi kombinasi bisnis antara entitas ak. Business combination transactions between
sepengendali entities under common control
Transaksi kombinasi bisnis entitas sepengendali, Business combination of entities under common
menurut PSAK 338 “Kombinasi Bisnis Entitas control transactions, according to PSAK 338,
Sepengendali”, diakui pada jumlah tercatat berdasarkan “Accounting for Business Combinations Under
metode penyatuan kepemilikan. Entitas yang menerima Common Control Entities”, is recognised at its carrying
bisnis maupun yang melepas bisnis mengakui selisih amount based on pooling-of-interest method. Entity
antara jumlah imbalan yang dialihkan/diterima dan that receives or disposes the business recognises the
jumlah tercatat dari transaksi kombinasi bisnis entitas difference between the consideration
sepengendali di ekuitas dalam pos tambahan modal transferred/received and its carrying amount arising
disetor. from a business combination under common control
transaction as part of equity in the additional paid-in
capital account.
Dalam menerapkan metode penyatuan kepemilikan, In applying the pooling of interests method, the
unsur-unsur laporan keuangan dari entitas yang elements of the financial statements of the combining
bergabung, untuk periode terjadinya kombinasi bisnis entities, for the period in which the business
entitas sepengendali dan untuk periode komparatif combination of entities under common control occurs
sajian, disajikan sedemikian rupa seolah-olah and for the comparative periods presented, are
penggabungan tersebut telah terjadi sejak awal periode presented in such a way as if the combination had
entitas yang bergabung berada dalam sepengendalian. occurred since the beginning of the period in which the
Jumlah tercatat dari unsur-unsur laporan keuangan combining entities were under common control. The
tersebut merupakan jumlah tercatat dari entitas yang carrying amounts of these financial statement
bergabung dalam kombinasi bisnis entitas elements are the carrying amounts of the combining
sepengendali. entities in the business combination of entities under
common control.
Kebijakan akuntansi yang seragam diterapkan pada Uniform accounting policies are applied across the
entitas yang bergabung tersebut. Penyesuaian combining entities. Adjustments to the carrying
terhadap jumlah tercatat hanya dilakukan untuk amounts are made only to conform the accounting
menyesuaikan kebijakan akuntansi entitas yang policies of the combining entities to the policies
bergabung dengan kebijakan akuntansi yang adopted by the combined entity.
diterapkan oleh entitas hasil kombinasi.
LAMPIRAN – 5/57 – SCHEDULE
642 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 645
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF ESTIMATES AND JUDGEMENTS
a. Sumber utama atas ketidakpastian estimasi a. Key sources of estimation uncertainty
a.1. Cadangan kerugian kredit ekspektasian a.1. Allowances for expected credit losses
Evaluasi atas kerugian penurunan nilai Financial assets accounted for at amortized
dilakukan atas aset keuangan yang dicatat cost and debt securities classified as measured
pada biaya perolehan diamortisasi dan efek at fair value through other comprehensive
utang yang diklasifikasikan sebagai diukur income are evaluated for impairment.
pada nilai wajar melalui penghasilan
komprehensif lain.
Cadangan kerugian penurunan nilai terkait The specific counterparty component of the total
dengan pihak lawan spesifik dalam seluruh allowances for impairment applies to claims
cadangan kerugian penurunan nilai dibentuk evaluated individually for impairment and is
atas tagihan yang penurunan nilainya based upon management’s best estimate of the
dievaluasi secara individual berdasarkan present value of the cash flows that are
estimasi terbaik manajemen atas nilai tunai expected to be received. In calculating
arus kas yang diharapkan akan diterima. allowance for impairment losses, management
Dalam menghitung cadangan kerugian makes judgements about the counterparty’s
penurunan nilai, manajemen membuat financial situation and the net realizable value of
pertimbangan mengenai kondisi keuangan dari any underlying collateral. Each impaired asset
pihak lawan dan nilai neto yang dapat is assessed on its merits, and the workout
direalisasi dari agunan yang diterima. Setiap strategy and estimated cash flows considered
aset yang mengalami penurunan nilai recoverable are independently approved by the
dievaluasi, dan strategi penyelesaiannya serta credit risk unit.
estimasi arus kas yang dinilai dapat diperoleh
kembali disetujui secara independen oleh
bagian risiko kredit.
Selain itu, dalam perhitungan cadangan In addition, in the calculation of allowance for
kerugian penurunan nilai yang dievaluasi impairment losses that evaluated collectively,
secara kolektif, estimasi signifikan dibutuhkan significant estimates are required in determining
dalam penentuan kriteria kenaikan signifikan the criteria for significant increase in credit risk,
pada risiko kredit, pemilihan asumsi model dan selection of the model assumptions and
parameter masa depan. forward-looking parameters.
Informasi mengenai pertimbangan dan Information regarding the judgments and
estimasi yang dibuat oleh Bank diungkapkan di estimates made by the Bank are disclosed in
Catatan 50b. Note 50b.
a.2. Cadangan kerugian penurunan nilai aset yang a.2. Allowances for impairment losses of non-
bukan aset keuangan financial assets
Penurunan nilai muncul saat nilai tercatat aset An impairment exists when the carrying value
atau Unit Penghasil Kas (“UPK”) melebihi nilai of an asset or Cash Generating Unit (“CGU”)
terpulihnya, yaitu yang lebih besar antara nilai exceeds its recoverable amount, which is the
wajar dikurangi biaya untuk menjual dan nilai higher of its fair value less costs to sell and its
pakainya. Nilai wajar dikurangi biaya untuk value in use. The fair value less costs to sell
menjual didasarkan pada ketersediaan data calculation is based on available data from
dari perjanjian penjualan yang mengikat yang binding sales transactions in an arm’s length
dibuat dalam transaksi normal atas aset serupa transaction of similar assets or observable
atau harga pasar yang dapat diamati dikurangi market prices less incremental costs for
dengan biaya tambahan yang dapat disposing the asset.
diatribusikan dengan pelepasan aset.
LAMPIRAN – 5/58 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 643
Page 646
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF ESTIMATES AND JUDGEMENTS
(lanjutan) (continued)
a. Sumber utama atas ketidakpastian estimasi a. Key sources of estimation uncertainty
(lanjutan) (continued)
a.3. Penentuan nilai wajar a.3. Determining fair values
Dalam menentukan nilai wajar atas aset In determining the fair value of financial
keuangan dan liabilitas keuangan dimana tidak assets and financial liabilities for which there
terdapat harga pasar yang dapat diobservasi, is no observable market price, the Bank and
Bank dan Entitas Anak menggunakan teknik Subsidiary use the valuation techniques. For
penilaian. Untuk instrumen keuangan yang financial instruments that are traded
jarang diperdagangkan dan tidak memiliki infrequently and have less price
harga yang transparan, nilai wajarnya menjadi transparency, fair value is less objective, and
kurang obyektif dan karenanya, membutuhkan requires varying degrees of judgement
tingkat pertimbangan yang beragam, depending on liquidity, concentration,
tergantung pada likuiditas, konsentrasi, uncertainty of market factors, pricing
ketidakpastian faktor pasar, asumsi penentuan assumptions, and other risks affecting the
harga, dan risiko lainnya yang mempengaruhi specific instrument.
instrumen tertentu.
a.4. Liabilitas imbalan pasca-kerja a.4. Post-employement benefit obligations
Nilai kini kewajiban imbalan pasca-kerja Present value of retirement obligations
bergantung pada beberapa faktor yang depends on several factors which determined
ditentukan dengan dasar aktuarial berdasarkan by actuarial basis using several assumptions.
beberapa asumsi. Asumsi yang digunakan Assumptions used to determine expenses
untuk menentukan biaya (penghasilan) imbalan (revenues) of net pension including discount
pasca-kerja neto mencakup tingkat diskonto, rate, salary increase rate, mortality rate,
tingkat kenaikan penghasilan, tingkat kematian, resignation rate, and others.
tingkat pengunduran diri, dan lain-lain.
b. Pertimbangan akuntansi yang penting dalam b. Critical accounting judgements in applying the
menerapkan kebijakan akuntansi Bank dan Entitas Bank and Subsidiary’ accounting policies
Anak
Pertimbangan akuntansi yang penting dalam Critical accounting judgements made in applying the
menerapkan kebijakan akuntansi Bank dan Entitas Bank and Subsidiary’ accounting policies include:
Anak meliputi:
Penilaian instrumen keuangan Valuation of financial instruments
Bank dan Entitas Anak mengukur nilai wajar dengan The Bank and Subsidiary measure fair values using
menggunakan hierarki dari metode berikut: the following hierarchy of methods:
• Harga kuotasi di pasar aktif untuk instrumen • Quoted market price in an active market for an
keuangan yang identik. identical instrument.
• Teknik penilaian berdasarkan input yang dapat • Valuation techniques based on observable
diobservasi. Termasuk dalam kategori ini adalah inputs. This category includes instruments valued
instrumen keuangan yang dinilai dengan using quoted market prices in active markets for
menggunakan harga kuotasi di pasar aktif untuk similar instruments; quoted prices for similar
instrumen yang sejenis; harga kuotasi untuk instruments in markets that are considered less
instrumen keuangan yang sejenis di pasar yang than active; or other valuation techniques where
kurang aktif; atau teknik penilaian lainnya all significant inputs are directly or indirectly
dimana seluruh input signifikan yang digunakan observable from market data.
dapat diobservasi secara langsung ataupun tidak
langsung dari data yang tersedia di pasar.
LAMPIRAN – 5/59 – SCHEDULE
644 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 647
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
3. PENGGUNAAN ESTIMASI DAN PERTIMBANGAN 3. USE OF ESTIMATES AND JUDGEMENTS
(lanjutan) (continued)
b. Pertimbangan akuntansi yang penting dalam b. Critical accounting judgements in applying the
menerapkan kebijakan akuntansi Bank dan Entitas Bank and Subsidiary’s accounting policies
Anak (lanjutan) (continued)
Nilai wajar dari aset keuangan dan liabilitas keuangan Fair values of financial assets and financial liabilities
yang diperdagangkan di pasar aktif didasarkan pada that are traded in active markets are based on quoted
kuotasi harga pasar atau kuotasi dari harga dealer. market prices or dealer price quotations. For all other
Untuk seluruh instrumen keuangan lainnya, Bank dan financial instruments, the Bank and Subsidiary
Entitas Anak menentukan nilai wajar dengan determine fair values using valuation techniques.
menggunakan teknik penilaian. Teknik penilaian Valuation techniques include net present value and
termasuk model nilai tunai dan arus kas yang discounted cash flow models, and comparison to
didiskontokan, dan perbandingan dengan instrumen similar instruments for which market observable
yang sejenis dimana terdapat harga pasar yang dapat prices exist. Assumptions and inputs used in valuation
diobservasi. Asumsi dan input yang digunakan dalam techniques include risk-free and benchmark interest
teknik penilaian termasuk suku bunga bebas risiko rates, credit spreads and other variable used in
(risk-free) dan suku bunga acuan, credit spread dan estimating discount rates, bond prices, foreign
variabel lainnya yang digunakan dalam mengestimasi currency exchange rates, and expected price
tingkat diskonto, harga obligasi, kurs mata uang asing, volatilities and correlations.
serta tingkat kerentanan dan korelasi harga yang
diharapkan.
Tujuan dari teknik penilaian adalah penentuan nilai The objective of valuation techniques is to arrive at a
wajar yang mencerminkan harga dari instrumen fair value determination that reflects the price of the
keuangan pada tanggal pelaporan yang akan financial instrument at the reporting date that would
ditentukan oleh para pelaku di pasar dalam suatu have been determined by market participants acting
transaksi yang wajar. at arm’s length.
4. KAS 4. CASH
2025 2024*)
Rupiah 2.431.559 2.337.108 Rupiah
Mata uang asing (Catatan 53) 515.396 165.110 Foreign currencies (Note 53)
2.946.955 2.502.218
Saldo dalam mata uang Rupiah termasuk uang pada The Rupiah balance includes cash in ATMs (Automated
mesin ATM (Anjungan Tunai Mandiri) sejumlah Rp361.329 Teller Machines) amounted to Rp361,329 as of
pada tanggal 31 Desember 2025 (2024: Rp303.596). 31 December 2025 (2024: Rp303,596).
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
2025 2024
Rupiah 6.985.085 5.492.240 Rupiah
Mata uang asing (Catatan 53) 705.361 889.835 Foreign currencies (Note 53)
7.690.446 6.382.075
Informasi mengenai pemenuhan persyaratan Giro Wajib Information regarding the fulfillment of the Reserve
Minimum (“GWM”) serta Rasio Penyangga Likuiditas Requirements ("GWM") and Ratio of Macroprudential
Makroprudensial (“PLM”) diungkapkan pada Catatan 59a. Liquidity Buffer ("PLM") is disclosed in Note 59a.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/60 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 645
Page 648
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
a. Berdasarkan mata uang a. By currency
2025 2024*)
Rupiah 228.867 838.888 Rupiah
Mata uang asing (Catatan 53) 2.173.395 1.100.812 Foreign currencies (Note 53)
2.402.262 1.939.700
Dikurangi: Less:
Kerugian kredit ekspektasian (273) (116) Expected credit losses
2.401.989 1.939.584
Suku bunga efektif rata-rata tertimbang per tahun The weighted average effective interest rate per
untuk tahun yang berakhir pada tanggal 31 Desember annum for the year ended 31 December 2025
2025 adalah 0,15% untuk Rupiah dan 0,88% untuk was 0.15% for Rupiah and 0.88% for foreign
mata uang asing (2024: 0,05% dan 1,28%). currencies (2024: 0.05% and 1.28%).
b. Berdasarkan kolektibilitas OJK b. By OJK collectibility
Kolektibilitas giro pada bank lain sesuai peraturan OJK Collectibility of current accounts with other banks
diungkapkan pada Catatan 59b. in accordance with OJK regulation are disclosed
in Note 59b.
c. Perubahan kerugian kredit ekspektasian c. Movements of expected credit losses
2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 116 - - 116 Beginning balance
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali 95 - - 95 remeasurement
Perubahan model atau Change in model or
parameter 54 - - 54 parameter
Selisih kurs 8 - - 8 Exchange rate difference
Saldo Akhir 273 - - 273 Ending Balance
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 155 - - 155 Beginning balance
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali (32) - - (32) remeasurement
Perubahan model atau Change in model or
parameter (5) - - (5) parameter
Aset keuangan yang
baru diperoleh 1 - - 1 New financial assets
Selisih kurs (3) - - (3) Exchange rate difference
Saldo Akhir 116 - - 116 Ending Balance
Manajemen berpendapat bahwa jumlah kerugian Management believes that the expected credit losses
kredit ekspektasian atas giro pada bank lain telah on current accounts with other banks is adequate.
memadai.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/61 – SCHEDULE
646 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 649
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK LAIN DAN BANK 7. PLACEMENTS WITH OTHER BANKS AND BANK
INDONESIA INDONESIA
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024
Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank Indonesia
- Fasilitas simpanan Deposit facility of -
Bank Indonesia (FASBI) 327.183 889.870 Bank Indonesia (FASBI)
- Fasilitas simpanan Bank Sharia Deposit facility of Bank -
Indonesia Syariah (FASBIS) 1.181.616 2.481.000 Indonesia (FASBIS)
1.508.799 3.370.870
Call Money Call Money
- PT Bank Mega Tbk 200.000 - PT Bank Mega Tbk -
- PT Bank Maspion Indonesia Tbk 100.000 - PT Bank Maspion Indonesia Tbk -
- PT Bank OCBC NISP Tbk 100.000 - PT Bank OCBC NISP Tbk -
- PT Bank SBI Indonesia 20.000 - PT Bank SBI Indonesia -
420.000
Jumlah Rupiah 1.928.799 3.370.870 Total Rupiah
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
- Deposito berjangka Bank Indonesia 450.225 1.046.175 Time deposit of Bank Indonesia -
Jumlah mata uang asing 450.225 1.046.175 Total foreign currency
Jumlah penempatan pada bank lain Total placements with other
dan Bank Indonesia 2.379.024 4.417.045 banks and Bank Indonesia
Dikurangi: Less:
Kerugian kredit ekspektasian (23) - Expected credit losses
Jumlah penempatan pada bank lain Total placements with other
dan Bank Indonesia - neto 2.379.001 4.417.045 banks and Bank Indonesia - net
Suku bunga efektif rata-rata tertimbang per tahun The weighted average effective interest rate per
untuk tahun yang berakhir pada tanggal annum for the year ended 31 December 2025 was
31 Desember 2025 adalah 4,72% untuk Rupiah dan 4.72% for Rupiah and 4.17% for foreign currencies
4,17% untuk mata uang asing (2024: 5,87% dan (2024: 5.87% and 5.20%).
5,20%).
b. Berdasarkan kolektibilitas OJK b. By OJK collectibility
Kolektibilitas penempatan pada bank lain dan Bank Collectibility of placements with other banks and
Indonesia sesuai peraturan OJK diungkapkan pada Bank Indonesia in accordance with OJK regulation
Catatan 59c. are disclosed in Note 59c.
c. Perubahan kerugian kredit ekspektasian c. Movements of expected credit losses
2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal - - - - Beginning balance
Aset keuangan yang
baru diperoleh 108 - - 108 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure
pengukuran kembali (85) - - (85) and remeasurement
Saldo Akhir 23 - - 23 Ending Balance
LAMPIRAN – 5/62 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 647
Page 650
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
7. PENEMPATAN PADA BANK LAIN DAN BANK 7. PLACEMENTS WITH OTHER BANKS AND BANK
INDONESIA (lanjutan) INDONESIA (continued)
c. Perubahan kerugian kredit ekspektasian c. Movements of expected credit losses
(lanjutan) (continued)
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal - - - - Beginning balance
Aset keuangan yang
baru diperoleh 378 - - 378 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure
pengukuran kembali (378) - - (378) and remeasurement
Saldo Akhir - - - - Ending Balance
Manajemen berpendapat bahwa jumlah kerugian kredit Management believes that the expected credit losses
ekspektasian atas penempatan pada bank lain telah on placements with other banks is adequate.
memadai.
8. EFEK-EFEK 8. MARKETABLE SECURITIES
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024
Nilai Nilai Nilai Nilai
nominal/ tercatat/ nominal/ tercatat/
Nominal Carrying Nominal Carrying
value value value value
Biaya perolehan diamortisasi
(harga perolehan, setelah Amortized cost
dikurangi premi/diskonto (cost, net of unamortized
yang belum diamortisasi): premium/discount):
Rupiah Rupiah
- Surat berharga lainnya 1.081.476 1.081.476 2.465.270 2.465.270 Other marketable securities -
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
- Surat berharga lainnya 27.288 27.288 5.096 5.096 Other marketable securities -
Jumlah biaya perolehan diamortisasi 1.108.764 1.108.764 2.470.366 2.470.366 Total amortized cost
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain: comprehensive income:
Rupiah Rupiah
- Sekuritas Rupiah Bank Indonesia 9.669.261 9.402.306 6.403.664 6.253.505 Bank Indonesia Rupiah Securities -
- Obligasi 2.504.343 2.553.456 1.396.000 1.390.670 Bonds -
12.173.604 11.955.762 7.799.664 7.644.175
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
Bank Indonesia Foreign Currency -
- Sekuritas Valas Bank Indonesia 3.335.000 3.323.896 160.950 160.150 Securities
- Obligasi 157.579 154.717 87.718 82.806 Bonds -
3.492.579 3.478.613 248.668 242.956
Jumlah nilai wajar melalui Total fair value through
penghasilan komprehensif lain 15.666.183 15.434.375 8.048.332 7.887.131 other comprehensive income
Nilai wajar melalui laba rugi: Fair value through Profit or Loss:
Rupiah Rupiah
- Sekuritas Rupiah Bank Indonesia 2.903.157 2.805.063 2.624.367 2.512.804 Bank Indonesia Rupiah Securities -
- Obligasi 600 609 - - Bonds -
2.903.757 2.805.672 2.624.367 2.512.804
LAMPIRAN – 5/63 – SCHEDULE
648 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 651
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
a. Berdasarkan jenis dan mata uang (lanjutan) a. By type and currency (continued)
2025 2024
Nilai Nilai Nilai Nilai
nominal/ tercatat/ nominal/ tercatat/
Nominal Carrying Nominal Carrying
value value value value
Fair value through Profit or Loss:
Nilai wajar melalui laba rugi: (lanjutan) (continued)
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
- MUFG Innovation Partners MUFG Innovation Partners -
Garuda No.1 Investment Limited Garuda No.1 Investment Limited
Partnership 80.916 74.334 47.156 48.285 Partnership
- Sinarmas-Spiral Japan Thematic G.K 12.425 12.444 - - Sinarmas-Spiral Japan Thematic G.K -
93.341 86.778 47.156 48.285
Jumlah nilai wajar melalui laba rugi 2.997.098 2.892.450 2.671.523 2.561.089 Total fair value through profit or loss
Jumlah efek-efek 19.772.045 19.435.589 13.190.221 12.918.586 Total marketable securities
Dikurangi: Less:
Kerugian kredit ekspektasian (107.188) (225.130) Expected credit losses
Jumlah efek-efek-neto 19.328.401 12.693.456 Total marketable securities-net
Wesel ekspor tidak terdaftar di bursa efek. The export bills are not listed at a stock exchange.
Selama tahun yang berakhir pada tanggal During the year ended 31 December 2025, unrealized
31 Desember 2025, kerugian neto yang belum net losses arising from changes in fair value of
direalisasi atas perubahan nilai wajar efek-efek marketable securities classified as trading securities
dalam klasifikasi diperdagangkan diakui pada are recorded in profit or loss amounted to Rp9,472
laporan laba rugi sebesar Rp9.472 (2024: (2024: net gains amounted to Rp15,290).
keuntungan neto sebesar Rp15.290).
Bank mengakui keuntungan neto atas penjualan The Bank recognized net gains from the sale of
efek-efek sejumlah Rp239.539 untuk tahun yang marketable securities amounted to Rp239,539 for the
berakhir pada tanggal 31 Desember 2025 (2024: year ended 31 December 2025 (2024: net gains
keuntungan neto sejumlah Rp61.785). amounted to Rp61,785).
Mutasi nilai tercatat bruto efek-efek selama tahun Movement of gross carrying amount during the year
berjalan sebagian besar dari asset keuangan yang were mostly from new financial assets acquired.
baru diperoleh.
b. Berdasarkan penerbit b. By issuer
2025 2024
Bank Indonesia 15.531.265 8.926.459 Bank Indonesia
Korporasi 3.519.387 3.888.681 Corporates
Bank lain 384.937 103.446 Other Banks
19.435.589 12.918.586
Dikurangi: Less:
Kerugian kredit ekspektasian (107.188) (225.130) Expected credit losses
19.328.401 12.693.456
c. Berdasarkan kolektibilitas OJK c. By OJK collectibility
Kolektibilitas efek-efek sesuai peraturan OJK Collectibility of marketable securities in
diungkapkan pada Catatan 59d. accordance with OJK regulation are disclosed in
Note 59d.
LAMPIRAN – 5/64 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 649
Page 652
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
\ 8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan peringkat d. By rating
Nilai Tercatat/Nilai Wajar/
Peringkat/ Carrying Value/Fair
Rating Value
Pemeringkat/
Rated by 2025 2024 2025 2024
Biaya perolehan diamortisasi/Amortized cost
Rupiah/Rupiah
Tidak Tidak
Diperingkat/ Diperingkat/
Wesel SKBDN/SKBDN Bills N/A Not rated Not rated 12.544 18.502
Tidak Tidak
Diperingkat/ Diperingkat/
Wesel lainnya/Other Bills N/A Not rated Not rated 1.068.932 2.446.768
1.081.476 2.465.270
Mata Uang Asing/Foreign Currency
Tidak Tidak
Diperingkat/ Diperingkat/
Wesel ekspor/Export Bills N/A Not rated Not rated 50 -
Tidak Tidak
Diperingkat/ Diperingkat/
Wesel SKBDN/SKBDN Bills N/A Not rated Not rated 27.238 5.096
27.288 5.096
Jumlah biaya perolehan diamortisasi/Total amortized cost 1.108.764 2.470.366
Nilai wajar melalui penghasilan komprehensif lain/
Fair value through other comprehensive income:
Rupiah/Rupiah
Sekuritas Rupiah Bank Indonesia - - - 9.402.306 6.253.505
Obligasi II Merdeka Battery Materials Tahun 2024 Seri B Pefindo idA idA 262.963 250.058
Obligasi Berkelanjutan VI Pegadaian Tahap III Tahun 2025 Seri A Pefindo idAAA - 252.055 -
Obligasi Berkelanjutan IV Sarana Multi Infrastruktur Tahap II Tahun 2024 Seri C Pefindo idAAA idAAA 152.239 146.897
Obligasi Berwawasan Lingkungan Berkelanjutan I Bank Mandiri Tahap II Tahun
2025 Seri B Pefindo idAAA - 133.049 -
Obligasi Berkelanjutan III Sarana Multi Infrastruktur Tahap III Tahun 2023 Seri C Pefindo idAAA idAAA 91.701 89.137
Obligasi Keberlanjutan Berkelanjutan I Bank Mandiri Tahap I Tahun 2025 Seri C Pefindo idAAA - 88.157 -
Obligasi Berkelanjutan IV Maybank Finance Tahap II Tahun 2025 Seri B Pefindo idAAA - 87.358 -
Obligasi Berkelanjutan IV Sarana Multi Infrastruktur Tahap IV Tahun 2025 Seri B Pefindo idAAA - 85.132 -
Obligasi Berkelanjutan III Bussan Auto Finance Tahap IV Tahun 2025 Seri B Fitch AAA(idn) - 84.763 -
Obligasi Berwawasan Sosial Berkelanjutan II Sarana Multigriya Finansial Tahap I
Tahun 2025 Pefindo idAAA - 83.527 -
Obligasi Berkelanjutan VI Astra Sedaya Finance Tahap V Tahun 2025 Seri B Fitch AAA(idn) - 82.087 -
Obligasi Berkelanjutan III Bussan Auto Finance Tahap III Tahun 2025 Seri B Fitch AAA(idn) - 81.834 -
Obligasi Berkelanjutan V SANF Dengan Tingkat Bunga Tetap Tahap I Tahun 2025
Seri B Fitch AA+(idn) - 78.674 -
Obligasi Berkelanjutan IV Chandra Asri Petrochemical Tahap IV Tahun 2024 Seri B Pefindo idAA- idAA- 76.950 73.148
Obligasi Berkelanjutan VII Astra Sedaya Finance Tahap II Tahun 2025 Seri B Pefindo idAAA - 69.834 -
Obligasi Berkelanjutan VII Federal International Finance Tahap II Tahun 2025
Seri B Fitch AAA(idn) - 59.640 -
Obligasi Berkelanjutan VI BFI Finance Indonesia Tahap II Tahun 2025 Seri C Fitch AA-(idn) - 55.881 -
Obligasi Berwawasan Sosial Berkelanjutan I Sarana Multigriya Finansial Tahap III
Tahun 2024 Pefindo idAAA idAAA 51.979 49.371
Obligasi Berkelanjutan I Oto Multiartha Tahap II Tahun 2024 Seri C Pefindo idAAA idAAA 51.924 49.296
Obligasi Berkelanjutan I Oto Multiartha Tahap III Tahun 2025 Seri C Pefindo idAAA - 51.779 -
Obligasi Berkelanjutan IV Bank Panin Tahap III Tahun 2025 Seri A Pefindo idAA - 50.499 -
Obligasi Berkelanjutan VI Pegadaian Tahap IV Tahun 2025 Seri B Pefindo idAAA - 49.670 -
Obligasi Berkelanjutan VII Astra Sedaya Finance Tahap II Tahun 2025 Seri C Pefindo idAAA - 48.973 -
Obligasi Berkelanjutan III Mayora Indah Tahap II Tahun 2025 Seri A Pefindo idAA - 48.039 -
Obligasi Berwawasan Sosial Berkelanjutan I Sarana Multigriya Finansial Tahap I
Tahun 2023 Pefindo idAAA idAAA 47.405 45.232
Obligasi Berkelanjutan IV SANF Dengan Tingkat Bunga Tetap Tahap II Tahun
2023 Seri C Fitch AA+(idn) AA+(idn) 46.402 44.287
Obligasi Berkelanjutan VII Federal International Finance Tahap II Tahun 2025
Seri A Fitch AAA(idn) - 45.314 -
Obligasi Berkelanjutan IV Bank Panin Tahap II Tahun 2024 Pefindo idAA idAA 35.418 34.980
Sukuk Wakalah Bi Al-Istitsmar Berkelanjutan I CIMB Niaga Auto Finance Tahap III
Tahun 2025 Seri B Fitch AAA(idn) - 33.644 -
LAMPIRAN – 5/65 – SCHEDULE
650 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 653
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
\ 8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
d. Berdasarkan peringkat (lanjutan) d. By rating (continued)
Nilai Tercatat/Nilai
Peringkat/ Wajar/Carrying
Rating Value/Fair Value
Pemeringkat/
Rated by 2025 2024 2025 2024
Nilai wajar melalui penghasilan komprehensif lain (lanjutan)/
Fair value through other comprehensive income (continued):
Rupiah (lanjutan)/Rupiah (continued)
Obligasi Berkelanjutan III Jasa Marga Tahap II Tahun 2025 Seri A Pefindo idAA - 32.280 -
Obligasi Berkelanjutan II Indonesia Infrastructure Finance Tahap III Tahun 2025
Seri B Pefindo idAAA - 30.421 -
Sukuk Wakalah Bi Al-Istitsmar Berkelanjutan I CIMB Niaga Auto Finance Tahap II
Tahun 2025 Seri B Fitch AAA(idn) - 25.693 -
Obligasi Berkelanjutan II Bank Mandiri Taspen Tahap I Tahun 2025 Seri B Pefindo idAAA - 20.506 -
Obligasi Berkelanjutan II Indonesia Infrastructure Finance Tahap I Tahun 2023
Seri C Pefindo idAAA idAAA 20.472 19.598
Obligasi Berkelanjutan VI Indomobil Finance Dengan tingkat Bunga Tetap Tahap I
Tahun 2025 Seri C Pefindo idAA- - 19.360 -
Obligasi Berkelanjutan V Toyota Astra Financial Services Tahap II Tahun 2025
Seri B Fitch AAA(idn) - 14.833 -
Sukuk Mudharabah Berwawasan Sosial Orange Berkelanjutan I PNM Tahap II
Tahun 2025 Seri B Pefindo idAAA(sy) - 3.001 -
Obligasi Berkelanjutan I JACCS MPM Finance Indonesia Tahap I Tahun 2022
Seri B Fitch - AA(idn) - 100.015
Obligasi Berkelanjutan V Astra Sedaya Finance Tahap IV Tahun 2022 Seri B Pefindo - idAAA - 99.735
Obligasi Berkelanjutan II Bussan Auto Finance Tahap II Tahun 2022 Seri B Fitch - AAA(idn) - 70.405
Obligasi Berkelanjutan II XL Axiata Tahap I Tahun 2022 Seri A Fitch - AAA(idn) - 69.866
Obligasi Berkelanjutan V Federal International Finance Tahap V Tahun 2023 Seri B Fitch - AAA(idn) - 69.741
Obligasi I KB Finansia Multi Finance Tahun 2022 Seri B Fitch - AAA(idn) - 50.106
Obligasi Berwawasan Lingkungan (Green Bond) I PT Bank Negara Indonesia
(Persero) Tbk Tahun 2022 Seri A Pefindo - idAAA - 44.868
Obligasi Berkelanjutan V Mandiri Tunas Finance Tahap III Tahun 2022 Seri A Pefindo - idAAA - 29.958
Obligasi II KB Finansia Multi Finance Tahun 2023 Seri B Fitch - AAA(idn) - 20.035
Obligasi Berkelanjutan IV Indomobil Finance Dengan Tingkat Bunga Tetap Tahap
III Tahun 2022 Seri B Pefindo - idAA- - 18.962
Obligasi Berkelanjutan III Toyota Astra Financial Services Tahap II Tahun 2022
Seri B Fitch - AAA(idn) - 14.975
11.955.762 7.644.175
Mata Uang Asing/Foreign Currencies
Sekuritas Valas Bank Indonesia - - - 3.323.896 160.150
PT Indonesia Infrastruktur Finance Fitch BBB BBB 48.054 45.405
Obligasi Berkelanjutan Sarana Multi Infrastruktur Fitch BBB BBB 89.796 37.401
Obligasi Bank Mandiri Fitch BBB - 16.867 -
3.478.613 242.956
Jumlah nilai wajar melalui penghasilan komprehensif lain/
Total fair value through other comprehensive income 15.434.375 7.887.131
Nilai wajar melalui laba rugi/fair value through profit or loss
Rupiah/Rupiah
Sekuritas Rupiah Bank Indonesia - - - 2.805.063 2.512.804
Obligasi Berkelanjutan PT Bank Rakyat Indonesia Tbk Pefindo idAAA - 609 -
2.805.672 2.512.804
Mata Uang Asing/Foreign Currencies
MUFG Innovation Partners Garuda No.1 Investment Limited Partnership - - - 74.334 48.285
Sinarmas-Spiral Japan Thematic G.K - - - 12.444 -
86.778 48.285
Jumlah nilai wajar melalui laba rugi/Total fair value through profit or loss 2.892.450 2.561.089
Jumlah efek-efek/Total marketable securities 19.435.589 12.918.586
Dikurangi/Less:
Kerugian kredit ekspektasian/Expected credit losses (107.188) (225.130)
Jumlah efek-efek-neto/Total marketable securities-net 19.328.401 12.693.456
LAMPIRAN – 5/66 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 651
Page 654
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
\ 8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
e. Perubahan keuntungan/(kerugian) yang belum e. Movements of unrealized gains/(losses)
direalisasi
Perubahan keuntungan/(kerugian) yang belum Movements of unrealized gains/(losses) for
direalisasi atas efek-efek dalam kelompok diukur marketable securities measured at fair value through
pada nilai wajar melalui penghasilan komprehensif other comprehensive income are as follows:
lain adalah sebagai berikut:
2025 2024
Saldo awal – sebelum Beginning balance -
pajak penghasilan tangguhan (12.192) (6.221) before deferred income tax
Penambahan keuntungan/(kerugian)
yang belum direalisasi Additional unrealized gains/
selama tahun berjalan - neto 66.897 (2.446) (losses) during the year - net
Keuntungan yang direalisasi ke Realized gains to profit or loss
laba rugi atas penjualan efek-efek from sale of marketable
selama tahun berjalan - neto (3.355) (3.525) securities during the year - net
Jumlah sebelum pajak Total before deferred
penghasilan tangguhan 51.350 (12.192) income tax
Pajak penghasilan tangguhan (11.297) 2.682 Deferred income tax
Saldo akhir - neto 40.053 (9.510) Ending balance - net
f. Perubahan kerugian kredit ekspektasian f. Movements of expected credit losses
2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 9.571 - 215.559 225.130 Beginning balance
Aset keuangan yang
baru diperoleh 13.574 - - 13.574 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali 30 - 221.094 221.124 remeasurement
Perubahan model atau Change in model or
parameter (149) - - (149) parameter
Aset keuangan yang
sudah dihentikan Derecognition of financial
pengakuannya (21.990) - (330.501) (352.491) assets
Saldo Akhir 1.036 - 106.152 107.188 Ending Balance
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 25.001 - 329.648 354.649 Beginning balance
Aset keuangan yang
baru diperoleh 17.786 - - 17.786 New financial assets
Transfer ke penurunan Transferred to credit impaired
kredit (Tahap 3) (21.668) - 21.668 - (Stage 3)
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali 2.747 - 413.659 416.406 remeasurement
Perubahan model atau Change in model or
parameter (160) - - (160) parameter
Aset keuangan yang
sudah dihentikan Derecognition of financial
pengakuannya (14.184) - (549.416) (563.600) assets
Selisih kurs 49 - - 49 Exchange rate difference
Saldo Akhir 9.571 - 215.559 225.130 Ending Balance
Manajemen berpendapat bahwa jumlah kerugian Management believes that the expected credit losses
kredit ekspektasian atas efek-efek telah memadai. on marketable securities is adequate.
LAMPIRAN – 5/67 – SCHEDULE
652 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 655
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
\ 8. EFEK-EFEK (lanjutan) 8. MARKETABLE SECURITIES (continued)
g. Suku bunga/marjin efektif rata-rata tertimbang g. The weighted average effective interest/margin
per tahun untuk tahun yang berakhir pada tanggal rate per annum for the year ended 31 December
31 Desember 2025 dan 2024 2025 and 2024
2025 2024
Obligasi korporasi - Rupiah 7,01% 6,70% Corporate bonds - Rupiah
Obligasi korporasi - mata Corporate bonds - foreign
uang asing 5,72% 5,68% currency
Sekuritas Rupiah Bank Bank Indonesia Rupiah
Indonesia 5,87% 6,80% Securities
Sekuritas Valas Bank Bank Indonesia Foreign Exchange
Indonesia 4,02% 5,20% Securities
9. EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER RESALE
KEMBALI DAN EFEK YANG DIJUAL DENGAN JANJI AGREEMENTS AND SECURITIES SOLD UNDER
DIBELI KEMBALI REPURCHASE AGREEMENTS
a. Efek yang dibeli dengan janji dijual kembali a. Securities purchased under resale
agreements
2025
Tingkat
Nilai suku Tanggal Nilai
Jenis efek/ nominal/ bunga/ dimulai/ Tanggal jatuh tercatat/
Pihak Type of Nominal Interest Commen- tempo/ Carrying
penjual/Counterparty securities amount rate cement date Maturity date value
31 Desember/ 2 Januari/
PT Bank DBS Indonesia IDSR030726364S 800.000 4,23% December 2025 January 2026 780.578
PT Bank BNP Paribas 31 Desember/ 2 Januari/
Indonesia IDSR030726364S 400.000 4,25% December 2025 January 2026 390.289
PT Bank BNP Paribas 31 Desember/ 2 Januari/
Indonesia IDSR161026364S 400.000 4,25% December 2025 January 2026 384.990
19 Desember/ 9 Januari/
PT Bank Nationalnobu Tbk IDSR200226364S 200.000 4,90% December 2025 January 2026 198.317
29 Oktober/ 28 Januari/
Bank Indonesia Jakarta VR92_12_27 100.000 4,70% October 2025 January 2026 95.263
29 Oktober/ 28 Januari/
Bank Indonesia Jakarta VR92_12_27 100.000 4,71% October 2025 January 2026 95.263
PT Bank Maybank 19 Desember/ 2 Januari/
IndonesiaTbk FR73_05_31 50.000 4,80% December 2025 January 2026 53.319
PT Bank CTBC 2 Desember/ 2 Januari/
Indonesia FR100_02_34 20.000 4,80% December 2025 January 2026 19.394
2.070.000 2.017.413
LAMPIRAN – 5/68 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 653
Page 656
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
9. EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER RESALE
KEMBALI DAN EFEK YANG DIJUAL DENGAN JANJI AGREEMENTS AND SECURITIES SOLD UNDER
DIBELI KEMBALI (lanjutan) REPURCHASE AGREEMENTS (continued)
a. Efek yang dibeli dengan janji dijual kembali a. Securities purchased under resale
(lanjutan) agreements (continued)
2024
Tingkat
Nilai suku Tanggal Nilai
Jenis efek/ nominal/ bunga/ dimulai/ Tanggal jatuh tercatat/
Pihak Type of Nominal Interest Commen- tempo/ Carrying
penjual/Counterparty securities amount rate cement date Maturity date value
PT Bank Maybank 19 Desember/ 2 Januari/
IndonesiaTbk FR96_02_33 250.000 6,45% December 2024 January 2025 236.182
31 Desember/ 14 Januari/
PT Bank DBS Indonesia FR81_06_25 200.000 6,45% December 2024 January 2025 195.929
19 Desember/ 2 Januari/
PT Super Bank Indonesia FR101_04_29 200.000 6,45% December 2024 January 2025 191.673
PT Bank Maybank 31 Desember/ 14 Januari/
IndonesiaTbk FR96_02_33 200.000 6,45% December 2024 January 2025 189.620
PT Bank Maybank 30 Desember/ 13 Januari/
IndonesiaTbk FR90_04_27 200.000 6,45% December 2024 January 2025 183.910
30 Desember/ 13 Januari/
PT Super Bank Indonesia FR59_05_27 190.000 6,45% December 2024 January 2025 181.958
PT Bank MNC 30 Desember/ 13 Januari/
Internasional Tbk FR91_04_32 200.000 6,45% December 2024 January 2025 179.582
PT Bank China Construction 10 Desember/ 7 Januari/
Bank Indonesia Tbk IDSR260925364S 100.000 6,55% December 2024 January 2025 94.799
PT Bank Rakyat 31 Desember/ 14 Januari/
Indonesia (Persero) Tbk FR90_04_27 100.000 6,45% December 2024 January 2025 91.951
PT Bank China Construction 16 Desember/ 13 Januari/
Bank Indonesia Tbk IDSR080925367S 80.000 6,55% December 2024 January 2025 75.985
19 Desember/ 2 Januari/
PT Bank KB Bukopin Tbk IDSR210325364S 50.000 6,45% December 2024 January 2025 49.134
20 Desember/ 3 Januari/
PT Bank Nationalnobu Tbk IDSR250425182S 50.000 6,48% December 2024 January 2025 48.847
18 Desember/ 2 Januari/
PT Bank Nationalnobu Tbk IDSR051225364S 50.000 6,45% December 2024 January 2025 46.698
24 Desember/ 7 Januari/
PT Bank KB Bukopin Tbk FR73_05_31 10.000 6,45% December 2024 January 2025 10.216
23 Desember/ 23 Januari/
PT Bank DBS Indonesia FR64_05_28 10.000 6,65% December 2024 January 2025 9.315
1.890.000 1.785.799
Kolektibilitas efek-efek yang dibeli dengan janji dijual Collectibility of securities purchased under resale
kembali sesuai peraturan OJK diungkapkan pada agreements in accordance with OJK regulation
Catatan 59e. are disclosed in Note 59e.
LAMPIRAN – 5/69 – SCHEDULE
654 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 657
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
9. EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER RESALE
KEMBALI DAN EFEK YANG DIJUAL DENGAN JANJI AGREEMENTS AND SECURITIES SOLD UNDER
DIBELI KEMBALI (lanjutan) REPURCHASE AGREEMENTS (continued)
b. Efek yang dijual dengan janji dibeli kembali b. Securities sold under repurchase agreements
2025
Tingkat
Nilai suku Tanggal Nilai
Jenis efek/ nominal/ bunga/ dimulai/ Tanggal jatuh tercatat/
Type of Nominal Interest Commen- tempo/ Carrying
Pihak lawan/Counterparty securities amount rate cement date Maturity date value
29 Desember/ 5 Januari/
PT Bank MegaTbk IDSR180926364S 500.000 4,80% December 2025 January 2026 482.400
30 Desember/ 6 Januari/
PT Bank MegaTbk IDSR180926364S 300.000 4,85% December 2025 January 2026 289.636
30 Desember/ 6 Januari/
PT Bank Digital BCA FR86_04_26 200.000 4,85% December 2025 January 2026 198.775
30 Desember/ 6 Januari/
BPD Sumatera Barat IDSR180926364S 200.000 4,80% December 2025 January 2026 193.091
30 Desember/ 6 Januari/
BPD Sumatera Barat IDSR180926364S 200.000 4,80% December 2025 January 2026 193.091
29 Desember/ 5 Januari/
PT Bank DKI FR86_04_26 150.000 4,80% December 2025 January 2026 149.056
29 Desember/ 5 Januari/
PT Bank DKI FR86_04_26 150.000 4,80% December 2025 January 2026 149.056
29 Desember/ 5 Januari/
PT Bank Digital BCA FR86_04_26 150.000 4,78% December 2025 January 2026 149.056
29 Desember/ 5 Januari/
PT Bank DKI FR86_04_26 100.000 4,80% December 2025 January 2026 99.370
29 Desember/ 5 Januari/
PT Bank DKI FR86_04_26 100.000 4,80% December 2025 January 2026 99.370
PT Bank SMBC 30 Desember/ 13 Januari/
Indonesia Tbk IDSR180926364S 100.000 4,82% December 2025 January 2026 96.545
30 Desember/ 8 Januari/
PT Krom Bank Indonesia Tbk IDSR180926364S 100.000 4,85% December 2025 January 2026 96.545
30 Desember/ 13 Januari/
PT Krom Bank Indonesia Tbk IDSR180926364S 50.000 4,85% December 2025 January 2026 48.273
PT Bank Mandiri 29 Desember/ 26 Januari/
Indonesia Tbk FR86_04_26 10.000 4,85% December 2025 January 2026 9.937
22 Desember/ 5 Januari/
PT Bank DBS Indonesia FR86_04_26 10.000 4,75% December 2025 January 2026 9.928
PT Bank OCBC NISP 30 Desember/ 13 Januari/
Indonesia Tbk IDSR180926364S 10.000 4,82% December 2025 January 2026 9.655
PT Bank OCBC NISP 23 Desember/ 6 Januari/
Indonesia Tbk IDSR180926364S 10.000 4,78% December 2025 January 2026 9.646
2.340.000 2.283.430
LAMPIRAN – 5/70 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 655
Page 658
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
9. EFEK YANG DIBELI DENGAN JANJI DIJUAL 9. SECURITIES PURCHASED UNDER RESALE
KEMBALI DAN EFEK YANG DIJUAL DENGAN JANJI AGREEMENTS AND SECURITIES SOLD UNDER
DIBELI KEMBALI (lanjutan) REPURCHASE AGREEMENTS (continued)
b. Efek yang dijual dengan janji dibeli kembali b. Securities sold under repurchase agreements
(lanjutan) (continued)
2024
Tingkat
Nilai suku Tanggal Nilai
nominal/ bunga/ dimulai/ Tanggal jatuh tercatat/
Pihak Jenis efek/ Nominal Interest Commen- tempo/ Carrying
lawan/Counterparty Type of securities amount rate cement date Maturity date value
PT Bank Rakyat 31 Desember/ 2 Januari/
Indonesia Tbk IDSR170125364S 1.000.000 6,15% December 2024 January 2025 996.778
30 Desember/ 6 Januari/
Bank Indonesia Jakarta FR86_04_26 1.000.000 6,25% December 2024 January 2025 941.534
30 Desember/ 6 Januari/
Bank Indonesia Jakarta FR86_04_26 1.000.000 6,25% December 2024 January 2025 941.534
19 Desember/ 2 Januari/
Bank Indonesia Jakarta FR96_02_33 250.000 6,40% December 2024 January 2025 236.182
31 Desember/ 14 Januari/
Bank Indonesia Jakarta FR81_06_25 200.000 6,40% December 2024 January 2025 195.929
19 Desember/ 2 Januari/
Bank Indonesia Jakarta FR101_04_29 200.000 6,40% December 2024 January 2025 191.673
31 Desember/ 14 Januari/
Bank Indonesia Jakarta FR96_02_33 200.000 6,40% December 2024 January 2025 189.620
30 Desember/ 13 Januari/
Bank Indonesia Jakarta FR90_04_27 200.000 6,40% December 2024 January 2025 183.910
30 Desember/ 13 Januari/
Bank Indonesia Jakarta FR59_05_27 190.000 6,40% December 2024 January 2025 181.958
30 Desember/ 13 Januari/
Bank Indonesia Jakarta FR91_04_32 200.000 6,40% December 2024 January 2025 179.582
31 Desember/ 2 Januari/
PT Bank Nationalnobu Tbk IDSR170125364S 100.000 6,10% December 2024 January 2025 99.678
10 Desember/ 7 Januari/
Bank Indonesia Jakarta IDSR260925364S 100.000 6,50% December 2024 January 2025 94.800
31 Desember/ 14 Januari/
Bank Indonesia Jakarta FR90_04_27 100.000 6,40% December 2024 January 2025 91.951
16 Desember/ 13 Januari/
Bank Indonesia Jakarta IDSR080925367S 80.000 6,50% December 2024 January 2025 75.985
19 Desember/ 2 Januari/
Bank Indonesia Jakarta IDSR210325364S 50.000 6,40% December 2024 January 2025 49.134
27 Desember/ 3 Januari/
PT Bank Mandiri Tbk FR81_06_25 50.000 6,35% December 2024 January 2025 49.029
PT Bank SMBC 27 Desember/ 10 Januari/
Indonesia Tbk FR81_06_25 20.000 6,50% December 2024 January 2025 19.612
4.940.000 4.718.889
LAMPIRAN – 5/71 – SCHEDULE
656 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 659
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
10. TAGIHAN DAN LIABILITAS DERIVATIF 10. DERIVATIVE RECEIVABLES AND LIABILITIES
2025
Nilai kontrak/nosional (setara
dengan Dolar Amerika Nilai wajar/Fair values
Serikat)/ Contract/notional
amount (equivalent to Tagihan derivatif/ Liabilitas derivatif/
United States Dollar) Derivative receivables Derivative liabilities
Bank Bank Bank
Counterparty/ Counterparty/ Counterparty/
Counterparty Nasabah/ Counterparty Nasabah/ Counterparty Nasabah/
Instrumen Bank Customer Bank Customer Bank Customer Instruments
Diperdagangkan: Trading:
Kontrak tunai mata uang asing 207.834.750 10.714.318 2.699 544 9.662 12 Foreign currency spot
Kontrak berjangka mata uang asing 1.223.761.809 384.253.524 37.931 14.709 62.128 12.327 Foreign currency forward
Swap mata uang asing 2.953.149.956 182.570.196 91.769 4.788 123.482 8.176 Foreign currency swap
Option mata uang asing 11.745.709 43.935.972 410 238 594 678.210 Foreign currency option
Cross currency swap 140.001.000 386.558.527 39.807 94.917 45.619 91.549 Cross currency swap
Interest rate swap 5.397.301 - 2 - 153 - Interest rate swap
172.618 115.196 241.638 790.274
Lindung nilai: Hedging:
Cross currency swap 221.107.045 - 59.539 - 16.035 - Cross currency swap
232.157 115.196 257.673 790.274
2024*)
Nilai kontrak/nosional (setara
dengan Dolar Amerika Nilai wajar/Fair values
Serikat)/ Contract/notional
amount (equivalent to Tagihan derivatif/ Liabilitas derivatif/
United States Dollar) Derivative receivables Derivative liabilities
Bank Bank Bank
Counterparty/ Counterparty/ Counterparty/
Counterparty Nasabah/ Counterparty Nasabah/ Counterparty Nasabah/
Instrumen Bank Customer Bank Customer Bank Customer Instruments
Diperdagangkan: Trading:
Kontrak tunai mata uang asing 91.476.641 7.979.880 1.185 509 5.126 21 Foreign currency spot
Kontrak berjangka mata uang asing 460.978.003 228.014.746 49.503 22.294 23.033 12.705 Foreign currency forward
Swap mata uang asing 3.053.672.868 174.624.772 249.200 10.151 286.495 27.918 Foreign currency swap
Option mata uang asing 7.342.283 12.138.044 102 138 678 161.481 Foreign currency option
Cross currency swap 73.619.040 221.421.317 27.007 21.004 6.286 77.210 Cross currency swap
326.997 54.096 321.618 279.335
Lindung nilai: Hedging:
Cross currency swap 321.062.644 - 62.806 - 75.416 - Cross currency swap
389.803 54.096 397.034 279.335
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2025, the losses from
31 Desember 2025, kerugian atas perubahan nilai wajar changes in fair value of derivative instruments which was
instrument derivatif yang diakui dalam laba rugi sebesar recorded in the profit or loss amounted to Rp7,390 (2024:
Rp7.390 (2024: kerugian sebesar Rp24.469). losses amounted to Rp24,469).
Jumlah nosional adalah suatu jumlah dalam unit mata uang A notional amount is a number of the currency units
yang disebutkan dalam perjanjian. Jumlah dalam daftar di specified in the contract. The amount in the above table is
atas disajikan secara bruto (penjumlahan posisi beli dan jual presented at gross basis (a sum of buy and sell position in
secara absolut). Tagihan/liabilitas derivatif merupakan nilai absolute amount). Derivative receivables/liabilities
penyelesaian transaksi derivatif pada tanggal pelaporan. represent the settlement value of derivative instruments
as of the reporting date.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/72 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 657
Page 660
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
10. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan) 10. DERIVATIVE RECEIVABLES AND LIABILITIES
(continued)
Lindung nilai arus kas atas risiko tingkat suku bunga Cash flow hedge of interest rate and foreign
dan mata uang asing currency risks
ADMF melakukan kontrak cross currency swap dan interest ADMF entered into cross currency swap and interest
rate swap dengan tujuan lindung nilai atas risiko fluktuasi rate swap contracts to hedge the risk of fluctuations in
arus kas yang ditimbulkan oleh kurs mata uang dan tingkat cash flow arising from exchange rates and interest rates
suku bunga atas pinjaman yang diterima. on borrowing.
Pada tanggal 31 Desember 2025, ADMF mempunyai As of 31 December 2025, ADMF has an outstanding
kontrak cross currency dan interest rate swap dengan pihak cross currency and interest rate swap contracts with third
ketiga yang masih berjalan dengan PT Bank Maybank party which is PT Bank Maybank Indonesia Tbk,
Indonesia Tbk, PT Bank UOB Indonesia, PT Bank DBS PT Bank UOB Indonesia, PT Bank DBS Indonesia,
Indonesia, PT Bank CTBC Indonesia, PT Bank CIMB Niaga PT Bank CTBC Indonesia, PT Bank CIMB Niaga Tbk,
Tbk, PT Bank OCBC NISP Tbk dan PT Bank ANZ Indonesia. PT Bank OCBC NISP Tbk and PT Bank ANZ
Indonesia.
Perubahan kerugian yang belum direalisasi: Movements of unrealized losses:
2025 2024
Saldo awal (14.577) (959) Beginning balance
Kerugian penyesuaian nilai wajar Loss on fair value adjustments
lindung nilai arus kas (52.371) (13.618) of cashflow hedge
Jumlah sebelum pajak Total before deferred
penghasilan tangguhan (66.948) (14.577) income tax
Pajak penghasilan tangguhan 14.729 3.207 Deferred income tax
Saldo akhir - neto (52.219) (11.370) Ending balance - net
Pada tanggal 31 Desember 2025 dan 2024, jumlah yang As of 31 December 2025 and 2024, the total amount
telah direklasifikasi dari ekuitas ke laporan laba rugi tahun had been reclassified from equity to the current year
berjalan adalah sebagai berikut: profit or loss are as follows:
2025 2024*)
The amount had been reclassified from
Jumlah yang telah direklasifikasi dari equity to profit on foreign
ekuitas ke laba selisih kurs - bersih 183.991 (11.634) exchange - net
Jumlah yang telah direklasifikasi dari The amount had been reclassified from
ekuitas ke beban bunga dan equity to interest expense and
keuangan (113.043) (91.102) financing charges
70.948 (102.736)
Kolektibilitas tagihan derivatif sesuai peraturan OJK Collectibility of derivative receivables in accordance with
diungkapkan pada Catatan 59f. OJK regulation are disclosed in Note 59f.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/73 – SCHEDULE
658 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 661
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN 11. LOANS
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024*)
Rupiah Rupiah
Modal kerja 84.711.719 74.599.735 Working capital
Konsumsi 42.305.524 39.694.480 Consumer
Investasi 33.564.697 25.067.285 Investment
160.581.940 139.361.500
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
Modal kerja 11.220.275 15.535.357 Working capital
Investasi 1.958.106 1.314.138 Investment
13.178.381 16.849.495
Jumlah 173.760.321 156.210.995 Total
Dikurangi: Less:
Kerugian kredit ekspektasian (7.383.046) (7.514.253) Expected credit losses
Jumlah - neto 166.377.275 148.696.742 Total - net
Kualitas pinjaman yang diberikan berdasarkan Loans quality by staging approach and by type:
pendekatan tahapan dan berdasarkan jenis:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Modal kerja 84.719.150 1.568.846 5.564.395 4.079.603 95.931.994 Working capital
Konsumsi 33.388.210 790.139 946.714 7.180.461 42.305.524 Consumer
Investasi 30.529.990 189.567 1.592.581 3.210.665 35.522.803 Investment
148.637.350 2.548.552 8.103.690 14.470.729 173.760.321
Dikurangi: Less:
Kerugian kredit Expected credit
ekspektasian*) (1.320.111) (747.312) (4.807.082) (508.541) (7.383.046) Losses*)
Jumlah - neto 147.317.239 1.801.240 3.296.608 13.962.188 166.377.275 Total - net
2024*)
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Modal kerja 80.022.011 1.566.156 5.774.702 2.772.223 90.135.092 Working capital
Konsumsi 32.042.086 930.670 875.199 5.846.525 39.694.480 Consumer
Investasi 21.297.805 303.622 1.769.094 3.010.902 26.381.423 Investment
133.361.902 2.800.448 8.418.995 11.629.650 156.210.995
Dikurangi: Less:
Kerugian kredit Expected credit
ekspektasian*) (1.486.451) (924.656) (4.680.215) (422.931) (7.514.253) Losses*)
Jumlah - neto 131.875.451 1.875.792 3.738.780 11.206.719 148.696.742 Total - net
*) KKE untuk Syariah menggunakan kerugian historis sesuai PSAK *) ECL for Sharia using incurred loss based on PSAK 239 and PPKA.
239 dan PPKA.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/74 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 659
Page 662
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
b. Berdasarkan sektor ekonomi b. By economic sector
Kualitas pinjaman yang diberikan berdasarkan Loans quality by staging approach and economic
pendekatan tahapan secara sektor ekonomi: sector:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Perantara keuangan 18.949.076 393 5.109 2.464.342 21.418.920 Financial intermediary
Industri pengelolahan 26.011.219 436.181 3.338.914 883.712 30.670.026 Manufacturing
Konstruksi 10.511.469 128.205 328.320 130.674 11.098.668 Construction
Electricity, gas,
Listrik, gas dan uap/air 3.504.464 947 1.543 30.937 3.537.891 and steam/water
Transportasi, Transportation,
pergudangan dan warehousing and
komunikasi 5.475.507 85.186 1.274.993 334.214 7.169.900 communications
Penyediaan akomodasi
dan penyediaan Accommodation and food
makan minum 770.428 62.289 110.848 47.158 990.723 and beverages
Perdagangan besar
dan eceran 27.049.770 932.055 1.660.647 2.267.545 31.910.017 Wholesale and retail
Pertambangan dan
penggalian 729.008 5.160 137.720 104.741 976.629 Mining and excavation
Pertanian, kehutanan Agriculture, forestry
dan perikanan 6.216.896 50.790 172.446 460.021 6.900.153 and fisheries
Rumah tangga 33.282.148 787.689 944.898 7.180.461 42.195.196 Households
Real estate 10.201.675 543 92.399 7.676 10.302.293 Real estate
Lainnya 5.935.690 59.114 35.853 559.248 6.589.905 Others
148.637.350 2.548.552 8.103.690 14.470.729 173.760.321
Dikurangi: Less:
Kerugian kredit
ekspektasian*) (1.320.111) (747.312) (4.807.082) (508.541) (7.383.046) Expected credit losses*)
Jumlah - neto 147.317.239 1.801.240 3.296.608 13.962.188 166.377.275 Total - net
*) *)
KKE untuk Syariah menggunakan kerugian historis sesuai PSAK ECL for Sharia using incurred loss based on PSAK 239 and PPKA.
239 dan PPKA.
LAMPIRAN – 5/75 – SCHEDULE
660 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 663
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
b. Berdasarkan sektor ekonomi (lanjutan) b. By economic sector (continued)
Kualitas pinjaman yang diberikan berdasarkan Loans quality by staging approach and economic
pendekatan tahapan secara sektor ekonomi sector (continued):
(lanjutan):
2024*)
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Perantara keuangan 21.695.714 6.224 1.209 1.569.289 23.272.436 Financial intermediary
Industri pengelolahan 25.109.855 414.248 3.643.592 944.369 30.112.064 Manufacturing
Konstruksi 2.431.080 122.717 340.326 133.992 3.028.115 Construction
Electricity, gas,
Listrik, gas dan uap/air 1.232.911 1.039 1.978 65.483 1.301.411 and steam/water
Transportasi, Transportation,
pergudangan dan warehousing and
komunikasi 6.194.911 117.973 1.376.371 321.141 8.010.396 communications
Penyediaan akomodasi
dan penyediaan Accommodation and food
makan minum 393.770 97.351 140.675 24.967 656.763 and beverages
Perdagangan besar
dan eceran 28.332.398 969.681 1.661.624 1.305.038 32.268.741 Wholesale and retail
Pertambangan dan
penggalian 145.972 5.397 162.281 113.478 427.128 Mining and excavation
Pertanian, kehutanan Agriculture, forestry
dan perikanan 3.155.519 59.994 177.679 808.555 4.201.747 and fisheries
Rumah tangga 31.898.295 926.227 874.043 5.846.525 39.545.090 Households
Real estate 9.176.939 741 2.341 8.493 9.188.514 Real estate
Lainnya 3.594.538 78.856 36.876 488.320 4.198.590 Others
133.361.902 2.800.448 8.418.995 11.629.650 156.210.995
Dikurangi: Less:
Kerugian kredit
ekspektasian*) (1.486.451) (924.656) (4.680.215) (422.931) (7.514.253) Expected credit losses*)
Jumlah - neto 131.875.451 1.875.792 3.738.780 11.206.719 148.696.742 Total - net
*) *)
KKE untuk Syariah menggunakan kerugian historis sesuai PSAK ECL for Sharia using incurred loss based on PSAK 239 and PPKA.
239 dan PPKA.
c. Berdasarkan wilayah geografis c. By geographic region
2025 2024*)
Jakarta, Bogor, Tangerang, Jakarta, Bogor, Tangerang,
Karawang, Bekasi, dan Karawang, Bekasi, and
Lampung 125.154.404 109.923.210 Lampung
Sumatera Utara 10.710.191 10.891.706 North Sumatera
Jawa Timur 9.772.885 8.865.995 East Java
Jawa Barat 7.229.278 6.919.408 West Java
Jawa Tengah dan Yogyakarta 7.180.056 6.682.209 Central Java and Yogyakarta
Sulawesi, Maluku, dan Papua 5.160.670 5.095.530 Sulawesi, Maluku, and Papua
Kalimantan 4.299.478 3.934.622 Kalimantan
Sumatera Selatan 2.565.016 2.402.726 South Sumatera
Bali, NTT, dan NTB 1.688.343 1.495.589 Bali, NTT, and NTB
Jumlah 173.760.321 156.210.995 Total
Dikurangi: Less:
Kerugian kredit ekspektasian (7.383.046) (7.514.253) Expected credit losses
Jumlah - neto 166.377.275 148.696.742 Total - net
*) Disajikan kembali *) As restated
LAMPIRAN – 5/76 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 661
Page 664
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
d. Pinjaman yang direstrukturisasi d. Restructured loans
Pinjaman yang direstrukturisasi meliputi antara lain Restructured loans consist of loans with rescheduled
penjadwalan ulang pembayaran pokok pinjaman principal and interest payments, adjusted interest
dan bunga, penyesuaian tingkat suku bunga, dan rates, and reduced overdue interest. Total
pengurangan tunggakan bunga. Jumlah pinjaman restructured loans as of 31 December 2025
yang direstrukturisasi pada tanggal 31 Desember amounted to Rp4,273,881 (2024: Rp5,186,834).
2025 adalah sebesar Rp4.273.881 (2024: Expected credit losses of restructured loans as of
Rp5.186.834). Kerugian kredit ekspektasian atas 31 December 2025 amounted to Rp2,101,396 (2024:
pinjaman yang direstrukturisasi pada tanggal Rp2,676,707).
31 Desember 2025 adalah sebesar Rp2.101.396
(2024: Rp2.676.707).
Pinjaman yang direstrukturisasi sesuai dengan Restructured loans in accordance with the OJK
peraturan OJK diungkapkan pada Catatan 59g. regulation are disclosed in Note 59g.
e. Pinjaman sindikasi e. Syndicated loans
Pinjaman sindikasi merupakan pinjaman yang Syndicated loans represent loans provided to
diberikan kepada debitur berdasarkan perjanjian debtors under syndication agreements with other
pembiayaan bersama (sindikasi) dengan bank-bank banks. Total syndicated loans as of 31 December
lain. Jumlah pinjaman sindikasi pada tanggal 2025 amounted to Rp8,595,341 (2024:
31 Desember 2025 adalah sebesar Rp8.595.341 Rp5,541,799). The percentage of participation of
(2024: Rp5.541.799). Persentase keikutsertaan the Bank as a member of syndications as of
Bank dalam pinjaman sindikasi sebagai anggota 31 December 2025 and 2024 ranges 1.00% -
pada tanggal 31 Desember 2025 dan 2024 adalah 64.00% and 2.00% - 64.00% of each syndicated
masing-masing sebesar 1,00% - 64,00% dan 2,00% loan facility, respectively.
- 64,00% dari masing-masing fasilitas pinjaman
sindikasi.
f. Berdasarkan kolektibilitas OJK f. By OJK collectibility
Kolektibilitas pinjaman yang diberikan sesuai Collectibility of Loans in accordance with OJK
peraturan OJK diungkapkan pada Catatan 59g. regulation are disclosed in Note 59g.
LAMPIRAN – 5/77 – SCHEDULE
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Page 665
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
g. Perubahan kerugian kredit ekspektasian g. Movements of expected credit losses
Perubahan kerugian kredit ekspektasian adalah Movements of expected credit losses are as follows:
sebagai berikut:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 1.486.451 924.656 4.680.215 422.931 7.514.253 Beginning balance
Aset keuangan yang
baru diperoleh 1.656.018 20.821 - - 1.676.839 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure
pengukuran kembali (788.859) 1.351.234 5.122.944 - 5.685.319 and remeasurement
Transfer ke kerugian Transferred to 12-month
kredit ekspektasian expected credit losses
12 bulan (Tahap 1) 787.547 (556.323) (231.224) - - (Stage 1)
Transfer ke kerugian
kredit ekspektasian Transferred to lifetime
sepanjang umurnya expected credit losses
(Tahap 2) (557.396) 763.100 (205.704) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (62.649) (1.587.459) 1.650.108 - - impaired (Stage 3)
Perubahan model atau Change in model or
parameter (43.191) 374 6.570 - (36.247) parameter
Penghapusbukuan Write offs during the
selama tahun berjalan (86.383) (19.972) (3.044.466) - (3.150.821) year
Aset keuangan yang
telah dihentikan Derecognition of
pengakuannya (1.073.155) (149.129) (3.187.281) - (4.409.565) financial assets
Selisih kurs 1.728 10 15.920 - 17.658 Exchange rate difference
Syariah*) - - - 85.610 85.610 Sharia*)
Saldo Akhir 1.320.111 747.312 4.807.082 508.541 7.383.046 Ending Balance
*)
KKE untuk Syariah menggunakan kerugian historis sesuai PSAK 239 *)
ECL for Sharia using incurred loss based on PSAK 239 and PPKA.
dan PPKA.
LAMPIRAN – 5/78 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 663
Page 666
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
g. Perubahan kerugian kredit ekspektasian g. Movements of expected credit losses
(lanjutan) (continued)
2024
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 1.409.324 1.039.254 4.460.872 427.824 7.337.274 Beginning balance
Aset keuangan yang
baru diperoleh 1.523.580 44.067 1.670 - 1.569.317 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure
pengukuran kembali (305.227) 1.415.606 4.508.125 - 5.618.504 and remeasurement
Perubahan model atau Change in model or
parameter (44.764) (6.973) (1.696) - (53.433) parameter
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian expected credit losses
12 bulan (Tahap 1) 770.250 (574.753) (195.497) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (616.260) 819.637 (203.377) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (231.850) (1.595.733) 1.827.583 - - impaired (Stage 3)
Penghapusbukuan selama Write offs during the
tahun berjalan (111.453) (28.683) (3.402.074) - (3.542.210) year
Aset keuangan yang telah
dihentikan Derecognition of financial
pengakuannya (908.126) (187.909) (2.328.691) - (3.424.726) assets
Selisih kurs 977 143 13.300 - 14.420 Exchange rate difference
Syariah*) - - - (4.893) (4.893) Sharia*)
Saldo Akhir 1.486.451 924.656 4.680.215 422.931 7.514.253 Ending Balance
*)
KKE untuk Syariah menggunakan kerugian historis sesuai PSAK 239 *)
ECL for Sharia using incurred loss based on PSAK 239 and PPKA.
dan PPKA.
Manajemen berpendapat bahwa jumlah kerugian Management believes that the expected credit
kredit ekspektasian atas pinjaman yang diberikan losses on loans is adequate.
telah memadai.
LAMPIRAN – 5/79 – SCHEDULE
664 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 667
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
h. Mutasi pinjaman yang diberikan h. Movements of loans
Mutasi pinjaman yang diberikan berdasarkan Movements of loans by staging are as follows:
tahapan adalah:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 133.361.902 2.800.448 8.418.995 11.629.650 156.210.995 Beginning balance
Aset keuangan yang
baru diperoleh 234.426.885 710.487 - - 235.137.372 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure
pengukuran kembali (21.746.936) (327.611) 7.668.421 - (14.406.126) and remeasurement
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian expected credit losses
12 bulan (Tahap 1) 2.521.717 (2.175.269) (346.448) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (5.385.838) 5.664.072 (278.234) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (1.027.942) (3.374.933) 4.402.875 - - impaired (Stage 3)
Penghapusbukuan selama Write offs during the
tahun berjalan (86.383) (19.972) (3.044.466) - (3.150.821) year
Aset keuangan yang telah
dihentikan Derecognition of financial
pengakuannya (193.958.418) (729.256) (8.754.038) - (203.441.712) assets
Selisih kurs 532.363 586 36.585 - 569.534 Exchange rate difference
Syariah - - - 2.841.079 2.841.079 Sharia
Saldo Akhir 148.637.350 2.548.552 8.103.690 14.470.729 173.760.321 Ending Balance
2024*)
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 122.363.643 3.613.660 6.490.836 11.182.742 143.650.881 Beginning balance
Aset keuangan yang
baru diperoleh 196.801.087 810.413 3.569 - 197.615.069 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure
pengukuran kembali (21.940.617) (418.277) 3.069.344 - (19.289.550) and remeasurement
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian expected credit losses
12 bulan (Tahap 1) 2.580.507 (2.295.432) (285.075) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (5.220.469) 5.539.764 (319.295) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (2.854.753) (3.461.091) 6.315.844 - - impaired (Stage 3)
Penghapusbukuan selama Write offs during the
tahun berjalan (111.453) (28.683) (3.402.074) - (3.542.210) year
Aset keuangan yang telah
dihentikan Derecognition of financial
pengakuannya (158.760.343) (961.502) (3.473.011) - (163.194.856) assets
Selisih kurs 504.300 1.596 18.857 - 524.753 Exchange rate difference
Syariah - - - 446.908 446.908 Sharia
Saldo Akhir 133.361.902 2.800.448 8.418.995 11.629.650 156.210.995 Ending Balance
*) Disajikan kembali *) As restated
LAMPIRAN – 5/80 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 665
Page 668
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
11. PINJAMAN YANG DIBERIKAN (lanjutan) 11. LOANS (continued)
i. Pembiayaan bersama i. Joint financing
Bank mengadakan perjanjian pemberian fasilitas The Bank has entered into joint financing agreements
pembiayaan bersama dengan beberapa lembaga with several multifinance companies for financing
pembiayaan untuk membiayai kepemilikan retail purchases of vehicles and consumer durable
kendaraan bermotor dan barang-barang konsumtif. products. The outstanding balance of joint financing
Jumlah saldo fasilitas pembiayaan bersama dengan agreements with and without recourse as of
dan tanpa tanggung renteng pada tanggal 31 December 2025 was Rp26,277,166 (2024:
31 Desember 2025 adalah sebesar Rp26.277.166 Rp26,440,721).
(2024: Rp26.440.721).
j. Kredit kelolaan j. Channeling loans
Kredit kelolaan adalah kredit yang diterima oleh Bank Channeling loans are loans received by the Bank
dari BI untuk diteruskan membiayai proyek-proyek from BI which have been channeled to finance
pertanian di Indonesia. Bank tidak menanggung risiko agricultural projects in Indonesia. The Bank bears no
atas kredit kelolaan yang diteruskan ini sehingga kredit credit risk on these loans, therefore, these channeling
ini tidak dicatat sebagai pinjaman dalam laporan loans were not recorded as loans in the consolidated
keuangan konsolidasian. financial statements.
Pada tanggal 31 Desember 2025, saldo kredit kelolaan As of 31 December 2025, the balance of channeling
adalah Rp350.561 (2024: Rp350.561). loans amounted to Rp350,561 (2024: Rp350,561).
k. Informasi pokok lainnya sehubungan dengan k. Other significant information relating to loans
pinjaman yang diberikan
Pinjaman yang diberikan pada umumnya dijamin Loans are generally secured by time deposits
dengan deposito berjangka (Catatan 21c) atau harta (Note 21c) or by registered mortgages or by powers
tak bergerak yang diaktakan dengan akta pemberian or by other guarantees acceptable to the Bank.
hak tanggungan atau jaminan lain yang umumnya
diterima oleh Bank.
Jumlah pinjaman yang diberikan yang dijamin Total loans with cash collaterals as of 31 December
dengan agunan tunai pada tanggal 31 Desember 2025 was Rp7,402,803 (2024: Rp4,517,871).
2025 adalah sebesar Rp7.402.803 (2024:
Rp4.517.871).
Suku bunga efektif rata-rata tertimbang per tahun The weighted average effective interest rate per
untuk tahun yang berakhir pada tanggal annum for the year ended 31 December 2025 was
31 Desember 2025 adalah 8,49% untuk Rupiah dan 8.49% for Rupiah and 5.46% for foreign currencies
5,46% untuk mata uang asing (2024: 8,66% dan (2024: 8.66% and 5.99%).
5,99%).
Informasi pokok lainnya terkait rasio kredit Other significant information such as non-performing
bermasalah, rasio kredit usaha kecil terhadap jumlah loan ratio, ratio of small business loans to total loans
pinjaman yang diberikan (Catatan 59g) dan (Note 59g) and if any breach of Legal Lending Limit
pelampauan Batas Maksimum Pemberian Kredit (Note 59m) in accordance with OJK regulation.
Bank (Catatan 59m) sesuai dengan peraturan OJK.
LAMPIRAN – 5/81 – SCHEDULE
666 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 669
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PIUTANG PEMBIAYAAN KONSUMEN 12. CONSUMER FINANCING RECEIVABLES
Piutang pembiayaan konsumen Entitas Anak adalah sebagai The Subsidiary’s consumer financing receivables are as
berikut: follows:
2025 2024*)
Piutang pembiayaan konsumen Consumer financing receivables
pihak ketiga third parties
- pembiayaan bersama 13.451.523 13.463.113 joint financing -
- pembiayaan sendiri 38.095.051 37.623.115 self financing -
Pendapatan pembiayaan
konsumen yang belum Unrecognized consumer
diakui - pihak ketiga (17.647.029) (17.575.358) financing income - third parties
33.899.545 33.510.870
Dikurangi: Less:
Kerugian kredit ekspektasian Expected credit losses
- pihak ketiga (1.867.103) (1.919.141) third parties -
Jumlah - neto 32.032.442 31.591.729 Total - net
Pada tanggal 31 Desember 2025 dan 2024, piutang As of 31 December 2025 and 2024, the gross consumer
pembiayaan konsumen bruto di atas termasuk biaya financing receivables above include transaction costs
transaksi yang terkait langsung dengan pemberian directly attributable to the origination of consumer financing
pembiayaan konsumen dan diskon atas pembelian piutang accounts and discounts on the purchase of consumer
pembiayaan sebesar masing-masing sebesar Rp905.167 financing receivables amounted to Rp905,167 and
dan Rp1.211.880 Rp1,211,880, respectively.
Suku bunga efektif rata-rata tertimbang per tahun untuk The weighted average effective interest rates per annum for
tahun yang berakhir pada tanggal the year ended 31 December 2025 and
31 Desember 2025 dan 2024 adalah sebagai berikut: 2024 were as follows:
Produk 2025 2024*) Products
Mobil 17,56% 16,80% Cars
Motor 33,04% 33,16% Motorcycles
Barang konsumtif 56,85% 61,84% Durable goods
Lainnya 33,64% 33,44% Others
Untuk memastikan kelancaran penyelesaian piutang To ensure settlement of consumer financing receivable,
pembiayaan konsumen yang diberikan, konsumen Entitas the customers of Subsidiary give the Certificates of
Anak memberikan Bukti Pemilikan Kendaraan Bermotor Ownership (BPKB) of the motor vehicles financed.
(BPKB) atas kendaraan bermotor yang dibiayai. Tidak ada Consumer financing receivables for consumer durable
jaminan atas piutang pembiayaan konsumen untuk produk products are unsecured.
barang konsumsi.
Dalam pembiayaan bersama antara Bank dan Entitas In joint financing arrangements between the Bank and
Anak, Entitas Anak berhak menentukan tingkat Subsidiary, the Subsidiary have the right to set higher
bunga/marjin yang lebih tinggi kepada konsumen interest rates/margin to the consumers than the interest
dibandingkan tingkat bunga yang ditetapkan dalam rates stated in the joint financing agreement with the
perjanjian pembiayaan bersama dengan Bank. Bank.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/82 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 667
Page 670
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PIUTANG PEMBIAYAAN KONSUMEN (lanjutan) 12. CONSUMER FINANCING RECEIVABLES(continued)
Perubahan kerugian kredit ekspektasian Movements of expected credit losses
Perubahan kerugian kredit ekspektasian adalah sebagai Movements of expected credit losses are as follows:
berikut:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 820.715 183.352 454.811 460.263 1.919.141 Beginning balance
Aset keuangan yang
baru diperoleh 827.434 5.557 9.896 - 842.887 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali (601.397) 304.178 2.154.209 - 1.856.990 remeasurement
Perubahan model atau Change in model or
parameter 1.583 797 5.706 - 8.086 Parameter
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian expected credit losses
12 bulan (Tahap 1) 276.417 (190.315) (86.102) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (283.546) 331.559 (48.013) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (51.729) (438.582) 490.311 - - impaired (Stage 3)
Aset keuangan yang telah Derecognition of financial
dihentikan pengakuannya (72.329) (36.116) (67.869) - (176.314) assets
Penghapusbukuan selama
tahun berjalan (106.574) (27.066) (2.467.630) - (2.601.270) Write offs during the year
Syariah*) - - - 17.583 17.583 Sharia*)
Saldo Akhir 810.574 133.364 445.319 477.846 1.867.103 Ending Balance
2024*)
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 817.839 154.022 298.729 292.108 1.562.698 Beginning balance
Aset keuangan yang
baru diperoleh 852.822 - - - 852.822 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali (513.821) 431.657 2.030.333 - 1.948.169 remeasurement
Perubahan model atau Change in model or
parameter (37.321) (6.560) 49 - (43.832) parameter
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian expected credit losses
12 bulan (Tahap 1) 277.962 (202.402) (75.560) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (372.341) 416.676 (44.335) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (67.055) (551.545) 618.600 - - impaired (Stage 3)
Aset keuangan yang telah Derecognition of financial
dihentikan pengakuannya (86.017) (81.179) (46.672) - (213.868) assets
Penghapusbukuan selama
tahun berjalan (131.425) (31.703) (2.412.411) - (2.575.539) Write offs during the year
Efek merging entity 80.072 54.386 86.078 147.121 367.657 Merging entity effect
Syariah*) - - - 21.034 21.034 Sharia*)
Saldo Akhir 820.715 183.352 454.811 460.263 1.919.141 Ending Balance
*)
KKE untuk Syariah menggunakan kerugian historis sesuai PSAK 239 *)
ECL for Sharia using incurred loss based on PSAK 239 and PPKA.
dan PPKA.
Manajemen berpendapat bahwa jumlah kerugian kredit Management believes that the expected credit losses on
ekspektasian atas piutang pembiayaan konsumen telah consumer financing receivables is adequate.
memadai.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/83 – SCHEDULE
668 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 671
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
12. PIUTANG PEMBIAYAAN KONSUMEN (lanjutan) 12. CONSUMER FINANCING RECEIVABLES (continued)
Mutasi piutang pembiayaan konsumen Movements of consumer financing receivables
Mutasi piutang pembiayaan konsumen berdasarkan Movements of consumer financing receivables by
tahapan adalah: staging are as follows:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 24.003.076 772.674 604.765 8.130.355 33.510.870 Beginning balance
Aset keuangan yang
baru diperoleh 19.720.605 33.628 21.758 - 19.775.991 New financial assets
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian expected credit losses
12 bulan (Tahap 1) 1.100.717 (971.106) (129.611) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (2.697.220) 2.776.591 (79.371) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (506.543) (1.763.707) 2.270.250 - - impaired (Stage 3)
Aset keuangan yang
telah dihentikan Derecognition of financial
pengakuannya, perubahan assets, changes in
pada biaya transaksi dan transaction cost and
piutang bunga pembiayaan (15.535.053) (219.481) 342.129 - (15.412.405) accrued interest
Penghapusbukuan selama Write offs during
tahun berjalan (106.574) (27.066) (2.467.630) - (2.601.270) the year
Syariah - - - (1.373.641) (1.373.641) Sharia
Saldo Akhir 25.979.008 601.533 562.290 6.756.714 33.899.545 Ending Balance
2024*)
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 20.806.901 654.848 489.471 5.812.170 27.763.390 Beginning balance
Aset keuangan yang
baru diperoleh 17.242.284 - - - 17.242.284 New financial assets
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian 12 bulan expected credit losses
(Tahap 1) 1.094.934 (965.692) (129.242) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (3.072.261) 3.150.667 (78.406) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (626.874) (1.986.515) 2.613.389 - - impaired (Stage 3)
Aset keuangan yang
telah dihentikan Derecognition of financial
pengakuannya, perubahan assets, changes in
pada biaya transaksi dan transaction cost and
piutang bunga pembiayaan (13.795.752) (196.844) 13.929 - (13.978.667) accrued interest
Penghapusbukuan selama Write offs during
tahun berjalan (131.425) (31.703) (2.412.411) - (2.575.539) the year
Efek merging entity 2.485.269 147.913 108.035 2.836.353 5.577.570 Merging entity effect
Syariah - - - (518.168) (518.168) Sharia
Saldo Akhir 24.003.076 772.674 604.765 8.130.355 33.510.870 Ending Balance
Piutang pembiayaan konsumen yang telah direstrukturisasi The restructured consumer financing receivables as of
pada tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024 were Rp398,781 and
masing-masing sebesar Rp398.781 dan Rp434.069. Rp434,069, respectively.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/84 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 669
Page 672
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
13. PIUTANG SEWA PEMBIAYAAN 13. FINANCE LEASE RECEIVABLES
2025 2024
Piutang Sewa Pembiayaan 1.734.465 1.506.907 Finance Lease Receivables
Aset Ijarah Muntahiyah Bittamlik Asset Ijarah Muntahiyah Bittamlik
(IMBT) 1.377.322 728.492 (IMBT)
3.111.787 2.235.399
2025 2024
Piutang sewa pembiayaan - bruto 2.005.713 1.749.944 Finance lease receivables - gross
Nilai residu yang terjamin 611.627 563.230 Guaranteed residual value
Pendapatan sewa pembiayaan
yang belum diakui (203.370) (200.793) Unearned financing lease income
Simpanan jaminan (611.627) (563.230) Security deposits
1.802.343 1.549.151
Dikurangi: Less:
Kerugian kredit ekspektasian (67.878) (42.244) Expected credit losses
Piutang sewa pembiayaan - neto 1.734.465 1.506.907 Finance lease receivables - net
Aset IMBT - bruto 2.257.665 1.075.770 Asset IMBT - gross
Akumulasi penyusutan (830.510) (315.068) Accumulated depreciation
1.427.155 760.702
Dikurangi: Less:
Kerugian kredit ekspektasian (49.833) (32.210) Expected credit losses
Aset IMBT - neto 1.377.322 728.492 Asset IMBT - net
Pada tanggal 31 Desember 2025, piutang sewa pembiayaan As of 31 December 2025, the gross finance lease
bruto termasuk biaya transaksi terkait langsung dengan receivables include transaction costs directly attributable to
pemberian pembiayaan sewa sebesar Rp37.583 (2024: the origination of finance lease accounts amounted to
Rp17.538). Rp37,583 (2024: Rp17,538).
Angsuran piutang sewa pembiayaan - bruto yang akan The installments of finance lease receivables - gross, which
diterima dari konsumen sesuai dengan tanggal jatuh will be collected from consumers in accordance with the due
temponya adalah sebagai berikut: dates are as follows:
2025 2024
- < 1 tahun 2.030.770 1.431.553 < 1 year -
- 1 - 2 tahun 895.135 745.100 1 - 2 years -
- > 2 tahun 506.963 333.993 > 2 years -
Piutang sewa pembiayaan - bruto 3.432.868 2.510.646 Finance lease receivables - gross
LAMPIRAN – 5/85 – SCHEDULE
670 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 673
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
13. PIUTANG SEWA PEMBIAYAAN (lanjutan) 13. FINANCE LEASE RECEIVABLES (continued)
Rata-rata tertimbang tingkat suku bunga efektif per tahun The weighted average effective interest rates per annum
untuk tahun yang berakhir pada tanggal for the year ended 31 December 2025 and 2024 were as
31 Desember 2025 dan 2024 adalah sebagai berikut: follows:
2025 2024
Mobil 11,11% 10,48% Cars
Motor 30,35% 26,36% Motorcycles
Alat berat dan lainnya 12,33% 13,72% Heavy equipment and others
Kolektibilitas piutang sewa pembiayaan sesuai dengan Collectibility of finance lease receivables in accordance
peraturan OJK diungkapkan pada Catatan 59h. with the OJK regulation are disclosed in Note 59h.
Perubahan kerugian kredit ekspektasian adalah sebagai The movements of expected credit losses are as follows:
berikut:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 32.023 4.833 5.388 32.210 74.454 Beginning balance
Aset keuangan yang
baru diperoleh 53.394 24 - - 53.418 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali (30.162) 6.335 65.215 - 41.388 remeasurement
Perubahan model atau Change in model or
parameter 134 (1) 98 - 231 parameter
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian 12 bulan expected credit losses
(Tahap 1) 9.012 (5.717) (3.295) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (5.813) 10.393 (4.580) - - (Stage 2)
Transfer ke penurunan Transferred to credit impaired
kredit (Tahap 3) (1.199) (9.436) 10.635 - - (Stage 3)
Aset keuangan yang telah Derecognition of financial
dihentikan pengakuannya (3.347) (3.386) (6.906) - (13.639) assets
Penghapusbukuan selama Write offs during
tahun berjalan (635) (212) (54.917) - (55.764) the year
Syariah - - - 17.623 17.623 Sharia
Saldo Akhir 53.407 2.833 11.638 49.833 117.711 Ending Balance
LAMPIRAN – 5/86 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 671
Page 674
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
13. PIUTANG SEWA PEMBIAYAAN (lanjutan) 13. FINANCE LEASE RECEIVABLES (continued)
Perubahan kerugian kredit ekspektasian adalah sebagai The movements of expected credit losses are as follows
berikut (lanjutan): (continued):
2024
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 43.915 4.641 1.931 10.283 60.770 Beginning balance
Aset keuangan yang
baru diperoleh 67.753 - - - 67.753 New financial assets
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali (80.860) 17.690 36.142 - (27.028) remeasurement
Perubahan model atau Change in model or
parameter (3.038) (276) (23) - (3.337) parameter
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian 12 bulan expected credit losses
(Tahap 1) 15.652 (13.539) (2.113) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (6.904) 8.814 (1.910) - - (Stage 2)
Transfer ke penurunan Transferred to credit impaired
kredit (Tahap 3) (892) (10.087) 10.979 - - (Stage 3)
Aset keuangan yang telah
dihentikan Derecognition of financial
pengakuannya (3.083) (2.255) (2.476) - (7.814) assets
Penghapusbukuan selama Write offs during
tahun berjalan (520) (155) (37.142) - (37.817) the year
Syariah - - - 21.927 21.927 Sharia
Saldo Akhir 32.023 4.833 5.388 32.210 74.454 Ending Balance
Manajemen berpendapat bahwa jumlah kerugian kredit Management believes that the expected credit losses is
ekspektasian yang dibentuk cukup untuk menutup kerugian adequate to cover possible losses arising from uncollectible
yang mungkin timbul akibat tidak tertagihnya piutang sewa finance lease receivables.
pembiayaan.
Pada saat perjanjian sewa pembiayaan dimulai, lessee At the time of execution of the finance leases contracts, the
memberikan setoran jaminan. Simpanan jaminan ini akan lessee pays the security deposits. The security deposits are
digunakan sebagai pembayaran pada akhir masa sewa used as the final installment at the end of the finance lease
pembiayaan, bila hak opsi dilaksanakan lessee. Apabila period, if the lessee exercises the option to purchase the
lessee tidak melaksanakan hak opsinya untuk membeli aset leased asset. If the lessee does not exercise the purchase
sewa pembiayaan tersebut maka simpanan jaminan option, the security deposit will be returned to the lessee as
dikembalikan kepada lessee sepanjang memenuhi ketentuan long as it meets the conditions in the finance lease
dalam perjanjian sewa pembiayaan. agreement.
Piutang sewa pembiayaan yang telah direstrukturisasi pada The restructured finance lease receivables as of
tanggal 31 Desember 2025 dan 2024 masing-masing 31 December 2025 and 2024 were Rp28,695 and Rp9,162,
sebesar Rp28.695 dan Rp9.162. respectively.
LAMPIRAN – 5/87 – SCHEDULE
672 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 675
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
13. PIUTANG SEWA PEMBIAYAAN (lanjutan) 13. FINANCE LEASE RECEIVABLES (continued)
Mutasi piutang sewa pembiayaan Movements of finance lease receivables
Mutasi piutang sewa pembiayaan berdasarkan tahapan Movements of finance lease receivables by staging are
adalah: as follows:
2025
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 1.518.811 23.006 7.334 760.702 2.309.853 Beginning balance
Aset keuangan yang
baru diperoleh 1.782.569 203 - - 1.782.772 New financial assets
Transfer ke kerugian Transferred to 12-month
kredit ekspektasian expected credit losses
12 bulan (Tahap 1) 37.188 (32.229) (4.959) - - (Stage 1)
Transfer ke kerugian
kredit ekspektasian Transferred to lifetime
sepanjang umurnya expected credit losses
(Tahap 2) (83.100) 93.184 (10.084) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (10.273) (48.438) 58.711 - - impaired (Stage 3)
Aset keuangan yang
telah dihentikan
pengakuannya, Derecognition of financial
perubahan pada biaya assets, changes in
transaksi dan piutang transaction cost and
bunga pembiayaan (1.487.363) (5.429) 18.976 - (1.473.816) accrued interest
Penghapusbukuan Write offs during
selama tahun berjalan (635) (212) (54.917) - (55.764) the year
Syariah - - - 666.453 666.453 Sharia
Saldo Akhir 1.757.197 30.085 15.061 1.427.155 3.229.498 Ending Balance
2024
Konvensional/Conventional
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total
Saldo awal 1.234.039 25.183 4.141 241.707 1.505.070 Beginning balance
Aset keuangan yang
baru diperoleh 1.298.728 - - - 1.298.728 New financial assets
Transfer ke kerugian Transferred to 12-month
kredit ekspektasian expected credit losses
12 bulan (Tahap 1) 56.263 (52.284) (3.979) - - (Stage 1)
Transfer ke kerugian
kredit ekspektasian Transferred to lifetime
sepanjang umurnya expected credit losses
(Tahap 2) (96.624) 100.007 (3.383) - - (Stage 2)
Transfer ke penurunan Transferred to credit
kredit (Tahap 3) (9.798) (47.779) 57.577 - - impaired (Stage 3)
Aset keuangan yang
telah dihentikan
pengakuannya, Derecognition of financial
perubahan pada biaya assets, changes in
transaksi dan piutang transaction cost and
bunga pembiayaan (963.277) (1.966) (9.880) - (975.123) accrued interest
Penghapusbukuan Write offs during
selama tahun berjalan (520) (155) (37.142) - (37.817) the year
Syariah - - - 518.995 518.995 Sharia
Saldo Akhir 1.518.811 23.006 7.334 760.702 2.309.853 Ending Balance
LAMPIRAN – 5/88 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 673
Page 676
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. TAGIHAN AKSEPTASI 14. ACCEPTANCE RECEIVABLES
a. Berdasarkan pihak dan mata uang a. By party and currency
2025 2024
Rupiah Rupiah
- Bank lain 17.699 34.963 Other banks -
- Debitur 135.531 102.884 Debtors -
153.230 137.847
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
- Bank lain 202.119 335.863 Other banks -
- Debitur 725.804 662.290 Debtors -
927.923 998.153
Jumlah 1.081.153 1.136.000 Total
Dikurangi: Less:
Kerugian kredit ekspektasian (2.939) (6.470) Expected credit losses
1.078.214 1.129.530
b. Berdasarkan jatuh tempo b. By maturity
2025 2024
Rupiah Rupiah
- Kurang dari 1 bulan 84.738 96.890 Less than 1 month -
- 1 - 3 bulan 40.645 28.702 1 - 3 months -
- > 3 - 6 bulan 27.847 12.255 > 3 - 6 months -
153.230 137.847
Mata uang asing Foreign currencies
(Catatan 53) (Note 53)
- Kurang dari 1 bulan 439.386 361.921 Less than 1 month -
- 1 - 3 bulan 325.678 358.153 1 - 3 months -
- > 3 - 6 bulan 131.134 260.554 > 3 - 6 months -
- > 6 - 12 bulan 31.725 17.525 > 6 - 12 months -
927.923 998.153
Jumlah 1.081.153 1.136.000 Total
Dikurangi: Less:
Kerugian kredit ekspektasian (2.939) (6.470) Expected credit losses
1.078.214 1.129.530
LAMPIRAN – 5/89 – SCHEDULE
674 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 677
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
14. TAGIHAN AKSEPTASI (lanjutan) 14. ACCEPTANCE RECEIVABLES (continued)
c. Perubahan kerugian kredit ekspektasian c. Movements of expected credit losses
Perubahan kerugian kredit ekspektasian adalah sebagai The movements of expected credit losses are as
berikut: follows:
2025
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 6.470 - - 6.470 Beginning balance
Aset keuangan yang
baru diperoleh 7.395 3.399 - 10.794 New financial assets
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian 12 bulan expected credit losses
(Tahap 1) 3 (3) - - (Stage 1)
Transfer ke kerugian kredit Transferred to lifetime
ekspektasian sepanjang expected credit losses
umurnya (Tahap 2) (624) 624 - - (Stage 2)
Perubahan bersih pada
eksposur dan Net change in exposure and
pengukuran kembali (10.024) (3.603) - (13.627) remeasurement
Perubahan model atau Change in model or
parameter (966) - - (966) parameter
Aset keuangan yang telah
dihentikan Derecognition of financial
pengakuannya (6) - - (6) assets
Selisih kurs 202 72 - 274 Exchange rate difference
Saldo Akhir 2.450 489 - 2.939 Ending Balance
2024
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Saldo awal 2.824 35 - 2.859 Beginning balance
Aset keuangan yang
baru diperoleh 6.098 23 - 6.121 New financial assets
Transfer ke kerugian kredit Transferred to 12-month
ekspektasian 12 bulan expected credit losses
(Tahap 1) 6 (6) - - (Stage 1)
Perubahan bersih pada
eksposur dan Net change in exposure
pengukuran kembali (6.065) (53) - (6.118) and remeasurement
Perubahan model atau Change in model or
parameter 3.432 - - 3.432 parameter
Aset keuangan yang telah
dihentikan Derecognition of financial
pengakuannya (3) - - (3) assets
Selisih kurs 178 1 - 179 Exchange rate difference
Saldo Akhir 6.470 - - 6.470 Ending Balance
Manajemen berpendapat bahwa jumlah kerugian kredit Management believes that the expected credit losses
ekspektasian tagihan akseptasi telah memadai. on acceptance receivables is adequate.
d. Berdasarkan kolektibilitas OJK d. By OJK collectibility
Kolektibilitas tagihan akseptasi sesuai dengan peraturan Collectibility of acceptance receivables in accordance
OJK diungkapkan pada Catatan 59i. with the OJK regulation are disclosed in Note 59i.
LAMPIRAN – 5/90 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 675
Page 678
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
15. OBLIGASI PEMERINTAH 15. GOVERNMENT BONDS
a. Berdasarkan jenis a. By type
2025 2024
Nilai Nilai Nilai Nilai
nominal/ tercatat/ nominal/ tercatat/
Nominal Carrying Nominal Carrying
value value value value
Nilai wajar melalui
penghasilan Fair value through other
komprehensif lain comprehensive income
(nilai wajar) (fair value)
- Suku bunga tetap 18.555.226 19.447.803 17.397.364 17.390.079 Fixed interest rate -
Nilai wajar melalui laba Fair value through profit or
rugi (nilai wajar) loss (fair value)
- Suku bunga tetap 1.892.912 1.931.602 1.319.257 1.309.344 Fixed interest rate -
Jumlah 20.448.138 21.379.405 18.716.621 18.699.423 Total
Suku bunga efektif rata-rata tertimbang per tahun atas The weighted average effective interest rate per
Obligasi Pemerintah dalam Rupiah dan mata uang annum for the year ended 31 December 2025 for
asing untuk tahun yang berakhir pada tanggal Government Bonds in Rupiah and foreign currencies
31 Desember 2025 adalah masing-masing 6,38% dan was 6.38% and 5.09%, respectively (2024: 6.06%
5,09% (2024: 6,06% dan 3,47%). and 3.47%).
Obligasi Pemerintah dengan nilai nominal setara Government Bonds with total nominal value
dengan Rp104.849.906 telah dijual selama tahun yang equivalent to Rp104,849,906 were sold during the
berakhir pada tanggal 31 Desember 2025 (2024: year ended 31 December 2025 (2024:
Rp79.622.543) pada harga yang berkisar antara Rp79,622,543) at prices ranging from 61.60% -
61,60% - 119,57% dari nilai nominal (2024: 64,63% - 119.57% of nominal value (2024: 64.63% - 128.75%).
128,75%). Sementara itu, Obligasi Pemerintah dengan Meanwhile, Government Bonds with total nominal
nilai nominal setara dengan Rp109.652.734 telah dibeli value equivalent to Rp109,652,734 were purchased
selama tahun yang berakhir pada tanggal during the year ended 31 December 2025 (2024:
31 Desember 2025 (2024: Rp87.370.659) pada harga Rp87,370,659) at prices ranging from 58.05% -
yang berkisar antara 58,05% - 119,55% dari nilai 119.55% of nominal value (2024: 63.00% - 128.73%).
nominal (2024: 63,00% - 128,73%).
Selama tahun yang berakhir pada tanggal During the year ended 31 December 2025,
31 Desember 2025, keuntungan neto yang belum unrealized net gains arising from changes in fair value
direalisasi atas perubahan nilai wajar Obligasi of Government Bonds classified as trading securities
Pemerintah dalam klasifikasi diperdagangkan diakui are recorded in profit or loss amounted to Rp8,901
pada laporan laba rugi sebesar Rp8.901 (2024: (2024: net lossess amounted to Rp10,642).
kerugian neto sebesar Rp10.642).
Bank mengakui keuntungan neto atas penjualan The Bank recognized net gains from the sale of
Obligasi Pemerintah sejumlah Rp478.038 selama Government Bonds amounted to Rp478,038 during
tahun yang berakhir pada tanggal 31 Desember 2025 the year ended 31 December 2025 (2024: net gains
(2024: keuntungan neto sebesar Rp259.527). amounted to Rp259,527).
LAMPIRAN – 5/91 – SCHEDULE
676 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 679
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
15. OBLIGASI PEMERINTAH (lanjutan) 15. GOVERNMENT BONDS (continued)
b. Berdasarkan mata uang b. By currency
2025 2024
Rupiah 20.265.640 17.971.599 Rupiah
Mata uang asing (Catatan 53) 1.113.765 727.824 Foreign currencies (Note 53)
21.379.405 18.699.423
c. Berdasarkan jatuh tempo c. By maturity
2025 2024
Rupiah Rupiah
- Kurang dari 1 tahun 3.989.489 2.979.694 Less than 1 year -
- 1 - 5 tahun 4.155.060 4.929.431 1 - 5 years -
- 5 - 10 tahun 8.919.684 7.441.282 5 - 10 years -
- Lebih dari 10 tahun 3.201.407 2.621.192 More than 10 years -
20.265.640 17.971.599
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
- Kurang dari 1 tahun 19.819 67.655 Less than 1 year -
- 1 - 5 tahun 323.714 211.716 1 - 5 years -
- 5 - 10 tahun 710.077 442.422 5 - 10 years -
- Lebih dari 10 tahun 60.155 6.031 More than 10 years -
1.113.765 727.824
.
Jumlah 21.379.405 18.699.423 Total
d. Perubahan keuntungan/(kerugian) yang belum d. Movements of unrealized gains/(losses)
direalisasi
Perubahan keuntungan/(kerugian) yang belum Movements of unrealized gains/(losses) for
direalisasi atas Obligasi Pemerintah dalam kelompok Government Bonds measured at fair value through
diukur pada nilai wajar melalui penghasilan other comprehensive income are as follows:
komprehensif lain adalah sebagai berikut:
2025 2024
Saldo awal - sebelum Beginning balance - before
pajak penghasilan tangguhan (198.366) (70.761) deferred income tax
Penambahan keuntungan/
(kerugian) yang belum
direalisasi selama tahun Additional unrealized gains/
berjalan - neto 809.920 (119.117) (losses) during the year - net
Keuntungan yang direalisasi ke
laba rugi atas penjualan Realized gains to profit or loss
Obligasi Pemerintah selama from sale of Government
tahun berjalan - neto (163.668) (8.488) Bonds during the year - net
Jumlah sebelum pajak
penghasilan tangguhan 447.886 (198.366) Total before deferred income tax
Pajak penghasilan tangguhan (98.535) 43.641 Deferred income tax
Saldo akhir - neto 349.351 (154.725) Ending balance - net
LAMPIRAN – 5/92 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 677
Page 680
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
16. INVESTASI DALAM SAHAM 16. INVESTMENTS IN SHARES
Investasi dalam saham pada tanggal 31 Desember 2025 The investments in shares as of 31 December 2025 and
dan 2024 mencakup: 2024 included:
2025 2024
Persentase Nilai Persentase Nilai
kepemilikan/ tercatat/ kepemilikan/ tercatat/
Nama perusahaan/ Kegiatan usaha/ Percentage Carrying Percentage Carrying
Company name Business activity of ownership value of ownership value
PT Home Credit
Indonesia Pembiayaan/Multifinance 9,82% 420.717 9,82% 396.870
PT Bank Woori
Saudara Indonesia
1906 Tbk Bank/Banking 0,73% 29.614 0,94% 56.958
PT Kliring Lembaga Kliring dan
Penjaminan Efek Penjamin/Clearing and
Indonesia Guarantee Institution 1,11% 20.000 1,11% 20.000
PT Bank Chinatrust
Indonesia Bank/Banking 1,00% 1.500 1,00% 1.500
Usaha Patungan,
Telekomunikasi/Joint
Lain-lain/Other Venture,Telecommunication 0,24% - 4,21% 1.355 0,24% - 4,21% 1.355
473.186 476.683
Pada tanggal 2 Oktober 2023, ADMF melakukan On 2 October 2023, ADMF invested in PT Home Credit
penyertaan pada PT Home Credit Indonesia ("HCI") Indonesia ("HCI") with purchase price of EUR23,163,839
dengan harga beli sebesar EUR23.163.839 (nilai penuh) (full amount) or equivalent to Rp380,397 which represents
atau setara dengan Rp380.397 yang mewakili 9,83% dari 9.83% of the issued and paid up capital of HCI.
modal ditempatkan dan disetor HCI.
Pada tanggal 4 Maret 2024, HCI meningkatkan modal On 4 March 2024, HCI increased its authorized capital by
dasar dengan menerbitkan saham baru sebanyak 600 issuing 600 shares. All of these shares have been issued
lembar saham. Seluruh lembar saham tersebut telah and paid by shareholders other than ADMF, so that
ditempatkan dan disetor oleh pemegang saham selain ADMF’s ownership percentage in HCI became 9.82% of
ADMF, sehingga persentase kepemilikian ADMF pada the total nominal value of HCI shares.
HCI menjadi 9,82% dari jumlah nilai nominal saham HCI.
Perubahan keuntungan/(kerugian) yang belum Movements of unrealized gains/(losses)
direalisasi
Perubahan keuntungan/(kerugian) yang belum direalisasi Movements of unrealized gains/(losses) for investments in
atas investasi dalam saham dalam kelompok diukur pada shares measured at fair value through other
nilai wajar melalui penghasilan komprehensif lain adalah comprehensive others are as follows:
sebagai berikut:
2025 2024
Saldo awal - sebelum Beginning balance - before
pajak penghasilan tangguhan 61.981 69.998 deferred income tax
Penambahankeuntungan/(kerugian) Additional unrealized
yang belum direalisasi selama gains/(losses) during the
tahun berjalan - neto 7.846 (7.997) year - net
Kerugian yang tidak direalisasi ke Realized loss not reclassified
laba rugi atas penjualan to profit or loss
investasi dalam saham selama from sale of investment in
tahun berjalan - neto (259) (20) share during the year - net
Jumlah sebelum pajak
penghasilan tangguhan 69.568 61.981 Total before deferred income tax
Pajak penghasilan tangguhan (8.395) (2.704) Deferred income tax
Saldo akhir - neto 61.173 59.277 Ending balance - net
LAMPIRAN – 5/93 – SCHEDULE
678 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 681
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
17. ASET TAKBERWUJUD 17. INTANGIBLE ASSETS
2025
1 Januari/ Penambahan/ Pengurangan/ 31 Desember/
January Additions Deductions December
Harga perolehan At cost
Perangkat lunak 3.630.742 228.272 (407.196) 3.451.818 Software
Goodwill 1.906.684 - - 1.906.684 Goodwill
5.537.426 228.272 (407.196) 5.358.502
Accumulated
Akumulasi amortisasi amortization
Perangkat lunak (2.694.451) (333.549) 401.485 (2.626.515) Software
Goodwill (832.151) - - (832.151) Goodwill
(3.526.602) (333.549) 401.485 (3.458.666)
Nilai buku neto 2.010.824 1.899.836 Net book value
2024*)
Penambahan
dari gabungan
1 usaha/ 31
Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ Additional from Desember/
January Additions Deductions Reclassified Merger December
Harga perolehan At cost
Perangkat lunak 3.114.336 432.282 (136) 1.754 82.506 3.630.742 Software
Goodwill 1.906.684 - - - - 1.906.684 Goodwill
5.021.020 432.282 (136) 1.754 82.506 5.537.426
Akumulasi Accumulated
penyusutan amortization
Perangkat lunak (2.374.384) (283.221) 136 - (36.982) (2.694.451) Software
Goodwill (832.151) - - - - (832.151) Goodwill
(3.206.535) (283.221) 136 - (36.982) (3.526.602)
Nilai buku neto 1.814.485 2.010.824 Net book value
Pada tanggal 31 Desember 2025, Bank dan Entitas Anak As of 31 December 2025, the Bank and Subsidiary had fully
memiliki aset takberwujud dengan jumlah biaya perolehan amortized intangible assets but still being used with cost
sebesar Rp1.801.173 yang telah diamortisasi secara penuh amounted to Rp1,801,173 (2024: Rp2,025,398).
tetapi masih digunakan (2024: Rp2.025.398).
Tidak ada kerugian penurunan nilai goodwill yang diakui No impairment losses on goodwill were recognized for the
selama tahun yang berakhir pada tanggal 31 Desember year ended 31 December 2025.
2025.
18. ASET TETAP DAN ASET HAK GUNA 18. FIXED ASSETS AND RIGHT-OF-USE ASSETS
2025 2024*)
Aset Tetap 2.027.840 1.937.165 Fixed assets
Aset Hak Guna 665.530 753.397 Right-of-use assets
2.693.370 2.690.562
*) Disajikan kembali *) As restated
LAMPIRAN – 5/94 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 679
Page 682
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
18. ASET TETAP DAN ASET HAK GUNA (lanjutan) 18. FIXED ASSETS AND RIGHT-OF-USE (continued)
a. Aset Tetap a. Fixed Assets
2025
1 Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ 31 Desember/
January Additions Deductions Reclassified December
Harga perolehan Cost
Tanah 682.825 1.947 (581) - 684.191 Land
Bangunan 1.963.466 208.354 (7.944) 40.291 2.204.167 Buildings
Perlengkapan kantor 2.168.037 208.220 (374.846) - 2.001.411 Office equipment
Kendaraan bermotor 66.445 14.961 (59.672) - 21.734 Motor vehicles
4.880.773 433.482 (443.043) 40.291 4.911.503
Bangunan dalam Building in
penyelesaian 10.826 37.649 - (40.291) 8.184 progress
4.891.599 471.131 (443.043) - 4.919.687
Akumulasi Accumulated
penyusutan depreciation
Bangunan (1.178.794) (160.680) 7.883 - (1.331.591) Buildings
Perlengkapan kantor (1.738.713) (175.770) 362.818 - (1.551.665) Office equipment
Kendaraan bermotor (36.927) (9.299) 37.635 - (8.591) Motor vehicles
(2.954.434) (345.749) 408.336 - (2.891.847)
Nilai buku neto 1.937.165 2.027.840 Net book value
2024*)
Penambahan
dari gabungan
1 usaha/ 31
Januari/ Penambahan/ Pengurangan/ Reklasifikasi/ Additional from Desember/
January Additions Deductions Reclassified Merger December
Harga perolehan Cost
Tanah 614.162 24.877 (13.521) 447 56.860 682.825 Land
Bangunan 1.595.249 206.685 (14.524) 42.897 133.159 1.963.466 Buildings
Perlengkapan kantor 2.358.690 244.602 (618.462) - 183.207 2.168.037 Office equipment
Kendaraan bermotor 23.502 12.191 (19.451) - 50.203 66.445 Motor vehicles
4.591.603 488.355 (665.958) 43.344 423.429 4.880.773
Bangunan dalam Building in
penyelesaian 19.412 33.916 - (42.502) - 10.826 progress
4.611.015 522.271 (665.958) 842 423.429 4.891.599
Akumulasi Accumulated
penyusutan depreciation
Bangunan (998.248) (122.079) 10.303 - (68.770) (1.178.794) Buildings
Perlengkapan kantor (2.057.165) (146.299) 612.210 - (147.459) (1.738.713) Office equipment
Kendaraan bermotor (13.088) (10.464) 12.936 - (26.311) (36.927) Motor vehicles
(3.068.501) (278.842) 635.449 - (242.540) (2.954.434)
Nilai buku neto 1.542.514 1.937.165 Net book value
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no indication of
indikasi terjadinya penurunan nilai aset tetap. impairment in the value of fixed assets.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/95 – SCHEDULE
680 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 683
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
18. ASET TETAP DAN ASET HAK GUNA (lanjutan) 18. FIXED ASSETS AND RIGHT-OF-USE (continued)
a. Aset Tetap (lanjutan) a. Fixed Assets (continued)
Termasuk dalam pengurangan aset tetap merupakan Fixed assets disposal includes sales of assets with
penjualan aset dengan rincian sebagai berikut: details as follows:
2025 2024*)
Hasil penjualan 29.399 60.907 Proceeds from sale
Nilai buku (19.827) (30.098) Net book value
Keuntungan penjualan Gain on sale
(Catatan 41 dan 42) 9.572 30.809 (Notes 41 and 42)
Pada tanggal 31 Desember 2025, aset tetap kecuali As of 31 December 2025, fixed assets except for land
tanah telah diasuransikan terhadap risiko kerugian are insured against losses arising from fire, flood, and
kebakaran, kebanjiran, dan risiko lainnya dengan nilai other risks with a total insurance coverage amounted
pertanggungan sejumlah Rp1.634.752 (2024: to Rp1,634,752 (2024: Rp1,639,965). Management
Rp1.639.965). Manajemen berpendapat bahwa nilai believes that the insurance coverage is adequate.
pertanggungan tersebut sudah memadai.
Pada tanggal 31 Desember 2025 dan 2024, semua aset As of 31 December 2025 and 2024, all fixed assets
tetap dimiliki secara langsung. are directly owned.
Pada tanggal 31 Desember 2025, Bank dan Entitas As of 31 December 2025, the Bank and Subsidiary
Anak memiliki aset tetap dengan jumlah biaya perolehan had fully depreciated fixed assets but still being used
sebesar Rp1.755.307 yang telah disusutkan secara with cost amounted to Rp1,755,307 (2024:
penuh tetapi masih digunakan (2024: Rp1.997.846). Rp1,997,846).
Estimasi nilai wajar aset tetap Bank dan Entitas Anak The estimated fair value of the Bank and Subsidiary
(tanah dan bangunan dinilai berdasarkan nilai jual objek fixed assets (land and building based on tax object
pajak) adalah sebesar Rp4.156.542 pada tanggal sale value) amounted to Rp4,156,542 as of
31 Desember 2025 (2024: Rp4.025.289) (tingkat 3). 31 December 2025 (2024: Rp4,025,289) (level 3).
Pada tanggal 31 Desember 2025, persentase nilai As of 31 December 2025 the percentage of carrying
tercatat bangunan dalam penyelesaian terhadap amount of building in progress to the estimated
estimasi nilai kontrak adalah 95,09% dan diperkirakan contract value is 95.09% and estimated to be
akan selesai pada pertengahan tahun 2026. completed by mid-2026.
b. Aset Hak Guna b. Right-Of-Use Assets
2025
1 Januari/ Penambahan/ Pengurangan/ 31 Desember/
January Additions Deductions December
Harga perolehan Cost
Properti 873.672 126.878 (119.257) 881.293 Property
Mesin ATM 348.327 - (2.452) 345.875 ATM Machine
Data centre 168.314 70.722 (9.048) 229.988 Data centre
1.390.313 197.600 (130.757) 1.457.156
Akumulasi Accumulated
amortisasi amortization
Perangkat lunak (487.036) (164.943) 115.460 (536.519) Property
Mesin ATM (76.456) (69.167) - (145.623) ATM Machine
Data centre (73.424) (44.629) 8.569 (109.484) Data centre
(636.916) (278.739) 124.029 (791.626)
Nilai buku neto 753.397 665.530 Net book value
*) Disajikan kembali *) As restated
LAMPIRAN – 5/96 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 681
Page 684
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
18. ASET TETAP DAN ASET HAK GUNA (lanjutan) 18. FIXED ASSETS AND RIGHT-OF-USE (continued)
b. Aset Hak Guna (lanjutan) b. Right-Of-Use Assets (continued)
2024
Penambahan
dari gabungan
usaha/
1 Januari/ Penambahan/ Pengurangan/ Additional from 31 Desember/
January Additions Deductions Merger December
Harga perolehan Cost
Properti 791.094 141.970 (114.612) 55.220 873.672 Property
Mesin ATM 213.838 133.203 1.286 - 348.327 ATM Machine
Data centre 86.563 86.926 (5.175) - 168.314 Data centre
1.091.495 362.099 (118.501) 55.220 1.390.313
Akumulasi Accumulated
penyusutan depreciation
Perangkat lunak (409.848) (159.234) 108.130 (26.084) (487.036) Property
Mesin ATM (29.249) (47.207) - - (76.456) ATM Machine
Data centre (34.333) (44.266) 5.175 - (73.424) Data centre
(473.430) (250.707) 113.305 (26.084) (636.916)
Nilai buku neto 618.065 753.397 Net book value
19. BEBAN DIBAYAR DIMUKA DAN ASET LAIN-LAIN 19. PREPAYMENTS AND OTHER ASSETS
2025 2024*)
Uang muka lain-lain 1.323.520 1.181.327 Other advances
Piutang bunga 1.227.729 1.055.418 Interest receivables
Setoran jaminan dan beban Security deposits and
dibayar dimuka 580.757 431.949 prepaid expenses
Receivables from sales of
Piutang atas penjualan efek-efek 477.824 314.727 marketable securities
Agunan yang diambil alih - neto 333.679 320.073 Foreclosed assets - net
Aset tetap yang tidak digunakan 64.599 64.599 Idle properties
Beban tangguhan - neto 33.873 26.937 Deferred expenses - net
Dana setoran kliring Deposits for clearing transactions
Bank Indonesia 26.358 29.202 with Bank Indonesia
Receivables from credit card
Tagihan transaksi kartu kredit 4.175 1.107 transaction
Instrumen BI lainnya - Devisa Other BI instrument - Devisa Hasil
Hasil Ekspor (DHE) - 16.095 Ekspor (DHE)
Lain-lain 1.277.824 1.698.648 Others
5.350.338 5.140.082
Dikurangi: Less:
Kerugian kredit ekspektasian (28.630) (33.959) Expected credit losses
5.321.708 5.106.123
Saldo di atas terdiri dari beban dibayar dimuka dan aset lain- The above balance consists of prepayments and other
lain dalam Rupiah dan mata uang asing masing-masing assets in Rupiah and foreign currencies of Rp5,109,469
sebesar Rp5.109.469 dan Rp240.869 (2024: Rp4.872.133 and Rp240,869 (2024: Rp4,872,133 and Rp267,949)
dan Rp267.949) (Catatan 53). (Note 53), respectively.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/97 – SCHEDULE
682 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 685
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
19. BEBAN DIBAYAR DIMUKA DAN ASET LAIN-LAIN 19. PREPAYMENTS AND OTHER ASSETS
Instrumen BI lainnya – Devisa Hasil Ekspor (DHE) Other BI instrument – Devisa Hasil Ekspor (DHE)
Berdasarkan ketentuan dalam PBI No. 7 tahun 2023 tentang Based on provisions in PBI No. 7 of 2023 concerning
Devisa Hasil Ekspor dan Devisa Pembayaran Impor, eksportir Foreign Exchange from Export Proceeds and Foreign
SDA (Sumber Daya Alam) dapat menempatkan dana dari Exchange from Import Payments, SDA (Natural
rekening khusus (Reksus) DHE SDA pada instrumen yang Resources) exporters can place funds from the DHE SDA
diterbitkan oleh Bank Sentral Indonesia berupa Term Deposit special account (Reksus) in an instrument issued by
Valas Devisa Hasil Ekspor (TD Valas DHE) melalui produk Central Bank of Indonesia in the form of a Term Deposit in
penempatan dana appointed bank. Bank adalah appointed Foreign Exchange from Export Proceeds (TD Foreign
bank dan akun ini adalah penempatan dana DHE dari Exchange DHE) through fund placement products of
eksportir pada instrumen TD Valas DHE yang diterbitkan oleh appointed bank. The Bank is an appointed bank and this
Bank Sentral Indonesia. account is placement of DHE fund from exporter to DHE
Foreign Exchange TD instrument issued by Central Bank
of Indonesia.
Piutang bunga Interest receivables
Termasuk dalam piutang bunga adalah piutang bunga Included in interest receivables is interest receivable from
Obligasi Pemerintah sebesar Rp347.013 untuk Rupiah dan Government Bonds of Rp347,013 for Rupiah and
Rp14.839 untuk mata uang asing (2024: Rp282.452 untuk Rp14,839 for foreign currency (2024: Rp282,452 for
Rupiah dan Rp11.447 untuk mata uang asing). Rupiah and Rp11,447 for foreign currency).
Setoran jaminan dan beban dibayar dimuka Security deposits and prepaid expenses
Termasuk dalam akun ini adalah setoran jaminan sebesar Included in these accounts are pledged security deposits
Rp129.450 (2024: Rp49.788) dan beban sewa dan of Rp129,450 (2024: Rp49,788) and prepaid rent and
pemeliharaan dibayar dimuka sebesar Rp177.781 (2024: maintenance of Rp177,781 (2024: Rp168,441).
Rp168.441)
20. INVESTASI PADA ENTITAS ASOSIASI 20. INVESTMENT IN ASSOCIATE
Pada tanggal 31 Desember 2025 dan 2024, entitas As of 31 December 2025 and 2024, the associate of the
asosiasi yang dimiliki oleh Bank dan Entitas Anak adalah Bank and Subsidiary were as follows:
sebagai berikut:
2025 2024*)
Persentase
Bidang kepemilikan/
usaha/ % of Nilai tercatat/ Nilai tercatat/
Nama entitas/ Type of ownership Aset bersih/ Carrying Aset bersih/ Carrying
Name of entity business interest Net assets amount Net assets amount
PT Zurich Asuransi
Indonesia Tbk Asuransi/
(“ZAI”) Insurance 19,81% 4.587.277 999.691 4.430.677 968.670
PT Zurich Asuransi Indonesia Tbk PT Zurich Asuransi Indonesia Tbk
Investasi pada ZAI diklasifikasikan sebagai investasi pada Investment in ZAI is classified as investment in
entitas asosiasi yang mana kepemilikan Bank atas ZAI associate with the remaining ownership in ZAI of
menjadi sebesar 19,81% setelah adanya penjualan ZAI ke 19.81% after the sale of ZAI to Zurich and ZAI’s new
Zurich dan penerbitan saham baru ZAI yang telah shares issuance which approved by OJK Financial
memperoleh persetujuan dari OJK Industri Keuangan Industry Non Bank on 27 September 2019 and
Non-Bank pada 27 September 2019 dan kemudian Bapepam - LK on 22 November 2019.
persetujuan dari Bapepam - LK pada 22 November 2019.
Bank memiliki secara langsung saham Entitas Asosiasi The Bank has direct ownership of the Associate’s share
yang terdiri dari saham biasa. Negara tempat pendirian which consists of ordinary shares. The country of
atau pendaftaran merupakan lokasi bisnis yang utama. incorporation or registration is also their principal place
of business.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/98 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 683
Page 686
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
20. INVESTASI PADA ENTITAS ASOSIASI (lanjutan) 20. INVESTMENT IN ASSOCIATE (continued)
PT Zurich Asuransi Indonesia Tbk (lanjutan) PT Zurich Asuransi Indonesia Tbk (continued)
Meskipun Bank memiliki kurang dari 20% saham ZAI, Bank Although the Bank holds less than 20% of the equity shares
memiliki pengaruh signifikan dengan menjalankan hak of ZAI, the Bank exercises significant influence by virtue of
kontraktualnya melalui penunjukkan Wakil Direktur Utama its contractual right to appoint Vice President Director and
dan Wakil Presiden Komisaris entitas tersebut serta memiliki Vice President Commissioner of that entity and has the
kekuatan untuk berpartisipasi dalam pengambilan keputusan power to participate in the financial and operating policy
keuangan dan operasi ZAI. decisions of ZAI.
Tabel di bawah ini menyajikan informasi keuangan dari The following table summarizes the financial information of
investasi Bank pada ZAI seperti yang termasuk dalam the Bank’s investment in ZAI as included in its own financial
laporan keuangan terpisahnya, yang disesuaikan dengan statements, adjusted for fair value adjustments at
penyesuaian nilai wajar pada saat akuisisi dan perbedaan acquisition and differences in accounting policies. The table
kebijakan akuntansi. Tabel di bawah juga merekonsiliasi also reconciles financial information to the carrying amount
informasi keuangan ke nilai tercatat kepentingan Bank of the Bank’s interest in ZAI:
pada ZAI:
2025 2024
Jumlah aset 9.366.148 9.333.641 Total assets
Jumlah liabilitas dan dana Tabarru (4.777.591) (4.901.938) Total liabilities and Tabarru fund
Kepentingan non-pengendali (1.280) (1.026) Non-controlling interest
Aset bersih (100%) 4.587.277 4.430.677 Net assets (100%)
Persentase kepemilikan (19,81%) Percentage of ownership (19.81%)
Bagian Bank atas aset bersih 908.738 877.717 The Bank’s share of net assets
Penyesuaian nilai wajar 429.004*) *) 429.004*)**) Fair value adjustments
Efek dilusi setoran modal saham ZAI (328.351) (328.351) Effect dilution share capital ZAI
Penyesuaian (9.700) (9.700) Adjustment
Nilai tercatat dari investasi pada Carrying amount of investment
entitas asosiasi 999.691 968.670 in associate
2025 2024
Pendapatan premi - bersih 2.851.250 2.414.820 Premium income - net
Beban underwriting (1.994.161) (1.613.290) Underwriting expenses
Penghasilan investasi 365.225 336.920 Investment income
Beban usaha (1.264.611) (1.146.666) Operating expenses
Pendapatan usaha lainnya - bersih 219.275 173.150 Other operating income - net
Beban pajak final dan pajak penghasilan 2.811 (84) Final tax and income tax expense
Laba bersih - entitas induk 179.789 164.850 Net profit - parent entity
Kepentingan non-pengendali 166 117 Minority interest
Laba bersih 179.955 164.967 Net profit
Penghasilan komprehensif lain Other comprehensive income
- entitas induk 177.301 (47.180) parent entity -
Jumlah laba komprehensif Total comprehensive income
- entitas induk 357.090 117.670 parent entity -
Bagian Bank atas jumlah laba The Bank’s share of total
komprehensif 70.740 23.310 comprehensive income
*) *)
Berdasarkan Laporan Penilai Independen dari Desmar, Ferdinan dan Rekan (DFH & Rekan). Based on Independent Appraisal Report of Desmar, Ferdinan dan Rekan (DFH & Partner).
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Page 687
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
20. INVESTASI PADA ENTITAS ASOSIASI (lanjutan) 20. INVESTMENT IN ASSOCIATE (continued)
PT Zurich Asuransi Indonesia Tbk (lanjutan) PT Zurich Asuransi Indonesia Tbk (continued)
Rekonsiliasi atas ringkasan informasi keuangan yang Reconciliation of the summarized financial information
disajikan terhadap nilai buku dari kepentingan entitas presented to the carrying amount of its interest in associate
asosiasi adalah sebagai berikut: is as follows:
2025 2024
Nilai tercatat 968.670 957.158 Carrying amount
Dividen (39.105) (11.871) Dividend
Laba bersih yang diserap 35.616 32.656 Net income absorbed
Penghasilan komprehensif lain Other comprehensive income
yang diserap 35.123 (9.346) absorbed
Penyesuaian Lainnya (613) 73 Other Adjustment
Nilai tercatat 999.691 968.670 Carrying amount
Berdasarkan Anggaran Dasar ZAI yang dituangkan dalam Based on ZAI’s Article of Association No.181 dated
Akta No.181 tanggal 27 November 2019, kepemilikan Bank 27 November 2019, the Bank's ownership of the ZAI shares
atas saham ZAI menjadi 19,81%, sehingga laporan to 19.81%, so that the financial statements of ZAI are no
keuangan ZAI tidak lagi dikonsolidasikan ke Bank. longer consolidated into the Bank. The ZAI ownership is
Kepemilikan ZAI dicatat oleh Bank sebagai investasi pada recorded by the Bank as an investment in associate entity.
entitas asosiasi. Sebagai bagian dari penjualan saham, Bank As part of the sale of share, the Bank will receive additional
akan menerima pertimbangan tambahan sebagai consideration provided that there is an increase in the value
peningkatan nilai saham yang dijual oleh Bank ke Zurich yang of shares sold by the Bank to Zurich which calculated based
dihitung berdasarkan metrik kinerja Bank dan ADMF dalam on the performance metric of the Bank and ADMF in
memberikan kontribusi premi bruto ke ZAI. contributing gross written premium for ZAI.
Pada tanggal 27 November 2019, Bank dan ADMF telah On 27 November 2019, the Bank and ADMF received
menerima imbalan dari ZAI sebesar Rp1.494.000 dan akan fees from ZAI amounted to Rp1,494,000 and will be
diamortisasi selama periode kontrak. Pada saat yang sama, amortized over the contract period. Concurrently, ZAI
ZAI menjalin kemitraan strategis jangka panjang selama has entered into long-term strategic partnership
20 tahun dengan Bank dan ADMF. agreements for 20 years period with the Bank and
ADMF.
21. SIMPANAN NASABAH 21. DEPOSITS FROM CUSTOMERS
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024*)
Rupiah Rupiah
- Giro 28.653.827 21.697.678 Current accounts -
- Tabungan 33.716.331 30.857.915 Savings -
- Deposito berjangka 90.904.602 79.465.129 Time deposits -
153.274.760 132.020.722
Mata uang asing Foreign currencies
(Catatan 53) (Note 53)
- Giro 5.197.927 4.298.623 Current accounts -
- Tabungan 6.096.842 5.330.493 Savings -
- Deposito berjangka 9.607.500 8.817.889 Time deposits -
20.902.269 18.447.005
174.177.029 150.467.727
*) Disajikan kembali *) As restated
LAMPIRAN – 5/100 – SCHEDULE
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Page 688
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
21. SIMPANAN NASABAH (lanjutan) 21. DEPOSITS FROM CUSTOMERS (continued)
a. Berdasarkan jenis dan mata uang (lanjutan) a. By type and currency (continued)
Sesuai dengan Peraturan Pemerintah No.66 Tahun Based on Government Regulation No.66 year
2008 tanggal 13 Oktober 2008 tentang “Besaran 2008 dated 13 October 2008 regarding “The
Nilai Simpanan yang Dijamin Lembaga Penjamin Savings Amount Guaranteed by the Deposit
Simpanan (LPS)” maka nilai simpanan setiap Insurance Agency (LPS)” the savings amount for
nasabah pada satu Bank yang dijamin oleh LPS each customer in a Bank which is guaranteed by
maksimum sebesar Rp2 miliar. the LPS up to Rp2 billion.
b. Suku bunga efektif rata-rata tertimbang per b. The weighted average effective interest rates
tahun untuk tahun yang berakhir pada tanggal per annum for the year ended 31 December
31 Desember 2025 dan 2024 2025 and 2024
2025 2024
Rupiah Rupiah
- Giro 2,64% 2,87% Current accounts -
- Tabungan 1,33% 1,62% Savings -
- Deposito berjangka 5,35% 5,31% Time deposits -
Mata uang asing Foreign Currency
- Giro 1,56% 2,34% Current accounts -
- Tabungan 0,38% 0,28% Savings -
- Deposito berjangka 3,53% 3,94% Time deposits -
c. Simpanan yang diblokir dan dijadikan jaminan c. Amounts blocked and pledged as loan
atas pinjaman yang diberikan collaterals
Simpanan nasabah yang diblokir dan dijadikan Deposit from customers that are blocked and
jaminan atas pinjaman yang diberikan pada pledged as loan collateral as of 31 December 2025
31 Desember 2025 dan 2024 adalah masing masing and 2024 amounted to Rp6,236,527 and
sebesar Rp6.236.527 dan Rp4.893.023. Rp4,893,023, respectively.
22. SIMPANAN DARI BANK LAIN 22. DEPOSITS FROM OTHER BANKS
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024
Rupiah Rupiah
- Giro 1.184.675 1.123.237 Current accounts -
- Tabungan 292.040 390.164 Savings -
- Deposito dan deposits on call 712.215 572.195 Deposits and deposits on call -
- Call Money 4.685.000 1.550.000 Call money -
6.873.930 3.635.596
Mata uang asing Foreign currencies
(Catatan 53) (Note 53)
- Call Money 742.038 - Call money -
- Deposito 464.957 529.319 Deposits -
- Giro 40.844 39.834 Current accounts -
1.247.839 569.153
8.121.769 4.204.749
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686 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 689
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
22. SIMPANAN DARI BANK LAIN (lanjutan) 22. DEPOSITS FROM OTHER BANKS (continued)
b. Suku bunga efektif rata-rata tertimbang per tahun b. The weighted average effective interest rates
untuk tahun yang berakhir pada tanggal per annum for the year ended 31 December
31 Desember 2025 dan 2024 2025 and 2024
2025 2024
Rupiah Rupiah
- Call money 5.43% 6,31% Call money -
- Giro 1.86% 2,11% Current accounts -
- Tabungan 1.40% 1,46% Savings -
- Deposito dan deposits on call 4.88% 4,55% Deposits and deposits on call -
2025 2024
Mata uang asing Foreign Currency
- Call money 1,28% 2,71% Call money -
- Giro 1,12% 1,14% Current accounts -
- Deposito dan deposits on call 2,56% 3,16% Deposits and deposits on call -
23. UTANG AKSEPTASI 23. ACCEPTANCE PAYABLES
a. Berdasarkan pihak dan mata uang a. By party and currency
2025 2024
Rupiah Rupiah
- Bank lain 119.864 100.784 Other banks -
- Debitur 33.366 37.063 Debtors -
153.230 137.847
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
- Bank lain 725.804 662.290 Other banks -
- Debitur 202.119 335.863 Debtors -
927.923 998.153
Jumlah 1.081.153 1.136.000 Total
b. Berdasarkan jatuh tempo b. By maturity
2025 2024
Rupiah Rupiah
- Kurang dari 1 bulan 84.738 96.890 Less than 1 month -
- 1 - 3 bulan 40.645 28.702 1 - 3 months -
- > 3 - 6 bulan 27.847 12.255 > 3 - 6 months -
153.230 137.847
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
- Kurang dari 1 bulan 439.386 361.921 Less than 1 month -
- 1 - 3 bulan 325.678 358.153 1 - 3 months -
- > 3 - 6 bulan 131.134 260.554 > 3 - 6 months -
- > 6 - 12 bulan 31.725 17.525 > 6 - 12 months -
927.923 998.153
Jumlah 1.081.153 1.136.000 Total
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Page 690
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
24. UTANG OBLIGASI 24. BONDS PAYABLE
Entitas Anak Subsidiary
a. Utang Obligasi ADMF a. ADMF’s Bonds Payable
2025 2024
Rupiah Rupiah
Nilai nominal 8.613.399 6.390.610 Nominal value
Dikurangi: Less:
Beban emisi obligasi yang Unamortized bond
belum diamortisasi (17.374) (12.780) issuance cost
Eliminasi untuk keperluan Elimination for consolidation
konsolidasian (73.050) (70.600) purpose
Jumlah - neto 8.522.975 6.307.230 Total - net
Beban amortisasi yang
dibebankan ke laporan laba Amortization costs charged
rugi 12.488 9.492 to the profit or loss
Sesuai dengan perjanjian perwaliamanatan obligasi, According to the trustee bonds agreement, debt to
rasio jumlah pinjaman terhadap ekuitas tidak melebihi equity ratio does not exceed the provision, which
ketentuan, yaitu maksimal 10:1. Selain itu, selama maximum 10:1. Moreover, during the time that the
pokok obligasi belum dilunasi, ADMF tidak bonds principals are still outstanding, ADMF is not
diperkenankan, antara lain melakukan penggabungan allowed to, among others, merged unless performed
usaha kecuali dilakukan pada bidang usaha yang on the same business and to sell or assign more than
sama serta menjual atau mengalihkan lebih dari 40% 40% of ADMF’s non-consumer financing receivables
aset ADMF yang bukan piutang pembiayaan assets.
konsumen.
Pada tanggal 31 Desember 2025 dan 2024, ADMF As of 31 December 2025 and 2024, ADMF had paid
telah melakukan pembayaran bunga obligasi sesuai the bonds interest on schedule as stated in the trustee
dengan jatuh tempo yang telah ditetapkan dalam agreement and complied with all the requirements
perjanjian perwaliamanatan dan telah memenuhi mentioned in the trustee agreement. Total principal of
seluruh persyaratan yang disebutkan dalam perjanjian bonds have been paid in accordance with the
perwaliamanatan. Jumlah pokok utang obligasi telah respective bonds’ maturity date.
dibayarkan sesuai dengan tanggal jatuh tempo obligasi
yang bersangkutan.
Pada tanggal 31 Desember 2025 dan 2024, seluruh As of 31 December 2025 and 2024, all of ADMF’s
obligasi ADMF mendapat peringkat idAAA dari PT bonds are rated idAAA by PT Pemeringkat Efek
Pemeringkat Efek Indonesia (Pefindo). Indonesia (Pefindo).
Beban bunga atas utang obligasi untuk tahun yang The interest expenses of bonds payable for the
berakhir pada tanggal 31 Desember 2025 dan 2024 year ended 31 December 2025 and 2024 amounted to
masing-masing sebesar Rp502.812 dan Rp383.917. Rp502,812 and Rp383,917, respectively.
Rata-rata tertimbang tingkat suku bunga efektif per The weighted average effective interest rate per
tahun atas utang obligasi untuk tahun yang berakhir annum on bonds payable for the year ended
pada tanggal 31 Desember 2025 dan 2024 masing- 31 December 2025 and 2024 was 6,37% and 6.33%.
masing sebesar 6,37% dan 6,33%.
LAMPIRAN – 5/103 – SCHEDULE
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Page 691
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
24. UTANG OBLIGASI (lanjutan) 24. BONDS PAYABLE (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
b. Penawaran umum efek utang ADMF b. Public offering of ADMF’s debt securities
Pada tanggal 31 Desember 2025, obligasi yang As of 31 December 2025, ADMF’s bonds issued are
diterbitkan oleh ADMF adalah sebagai berikut: as follows:
Tanggal Skedul
pernyataan pembayaran
efektif/ bunga/
Effective Interest
Efek utang/ notification Nomor surat/ Jumlah/ Wali amanat/ payment
Debt securities date Letter number Amount The trustee schedule
Obligasi Berkelanjutan V Adira Finance
Tahap III Tahun 2022/Adira Finance
Continuing Bonds V Phase III Year 2022 PT Bank Negara
(Obligasi Berkelanjutan V Tahap 30 Juni/ No. Indonesia Triwulan/
III/Continuing Bonds V Phase III) June 2020 S-182/D.04/2020 1.700.000 (Persero) Tbk Quarterly
Obligasi Berkelanjutan VI Adira Finance
Tahap I Tahun 2023/Adira Finance
Continuing Bonds VI Phase I Year 2023 PT Bank Negara
(Obligasi Berkelanjutan VI Tahap 27 Juni/ No. Indonesia Triwulan/
I/Continuing Bonds VI Phase I) June 2023 S-164/D.04/2023 1.700.000 (Persero) Tbk Quarterly
Obligasi Berkelanjutan VI Adira Finance
Tahap II Tahun 2023/Adira Finance
Continuing Bonds VI Phase II Year 2023 PT Bank Negara
(Obligasi Berkelanjutan VI Tahap 27 Juni/ No. Indonesia Triwulan/
II/Continuing Bonds VI Phase II) June 2023 S-164/D.04/2023 1.250.000 (Persero) Tbk Quarterly
Obligasi Berkelanjutan VI Adira Finance
Tahap III Tahun 2024/Adira Finance
Continuing Bonds VI Phase III Year 2024 PT Bank Negara
(Obligasi Berkelanjutan VI Tahap 27 Juni/ No. Indonesia Triwulan/
III/Continuing Bonds VI Phase III) June 2023 S-164/D.04/2023 1.600.000 (Persero) Tbk Quarterly
Obligasi Berkelanjutan VI Adira Finance
Tahap IV Tahun 2024/Adira Finance
Continuing Bonds VI Phase IV Year 2024 PT Bank Negara
(Obligasi Berkelanjutan VI Tahap 27 Juni/ No. Indonesia Triwulan/
IV/Continuing Bonds VI Phase IV) June 2023 S-164/D.04/2023 2.000.000 (Persero) Tbk Quarterly
Obligasi Berkelanjutan VI Adira Finance
Tahap V Tahun 2025/Adira Finance
Continuing Bonds VI Phase V Year 2025 PT Bank Negara
(Obligasi Berkelanjutan VI Tahap 27 Juni/ No. Indonesia Triwulan/
V/Continuing Bonds VI Phase V) June 2023 S-164/D.04/2023 2.066.993 (Persero) Tbk Quarterly
Obligasi Berkelanjutan VII Adira Finance
Tahap I Tahun 2025/Adira Finance
Continuing Bonds VII Phase I Year 2025 PT Bank Negara
(Obligasi Berkelanjutan VII Tahap I/ 26 Juni/ No. Indonesia Triwulan/
Continuing Bonds VII Phase I) June 2025 S-62/D.04/2025 1.200.000 (Persero) Tbk Quarterly
Obligasi Berkelanjutan VII Adira Finance
Tahap II Tahun 2025/Adira Finance
Continuing Bonds VII Phase II Year 2025 PT Bank Negara
(Obligasi Berkelanjutan VII Tahap II/ 26 Juni/ No. Indonesia Triwulan/
Continuing Bonds VII Phase II) June 2025 S-62/D.04/2025 1.650.000 (Persero) Tbk Quarterly
LAMPIRAN – 5/104 – SCHEDULE
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Page 692
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
24. UTANG OBLIGASI (lanjutan) 24. BONDS PAYABLE (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
b. Penawaran umum efek utang ADMF (lanjutan) b. Public offering of ADMF’s debt securities
(continued)
Rincian tingkat bunga dan jatuh tempo masing-masing Details of interest rate and maturity date of each serial
seri efek utang yang diterbitkan: of debt securities issued:
Tahun Nilai Tingkat
penerbitan/ nominal/ bunga tetap/
Efek utang/ Year of Nominal Fixed Jatuh tempo/ Cicilan pokok efek utang/
Debt securities issuance value interest rate Due date Debt securities installment
Obligasi Berkelanjutan V Tahap III
/Continuing Bonds V Phase III
Pembayaran penuh pada saat
22 Maret/ jatuh tempo/Bullet payment on
Seri C/Serial C 2022 250.000 6,25% March 2027 due date
Obligasi Berkelanjutan VI Tahap I
/Continuing Bonds VI Phase I
Pembayaran penuh pada saat
7 Juli/ jatuh tempo/Bullet payment on
Seri B/Serial B 2023 410.000 6,00% July 2026 due date
Pembayaran penuh pada saat
7 Juli/ jatuh tempo/Bullet payment on
Seri C/Serial C 2023 885.000 6,25% July 2028 due date
Obligasi Berkelanjutan VI Tahap II
/Continuing Bonds VI Phase II
9 November/ Pembayaran penuh pada saat
November jatuh tempo/Bullet payment on
Seri B/Serial B 2023 385.235 6,50% 2026 due date
9 November/ Pembayaran penuh pada saat
November jatuh tempo/Bullet payment on
Seri C/Serial C 2023 30.375 6,55% 2028 due date
Obligasi Berkelanjutan VI Tahap III
/Continuing Bonds VI Phase III
Pembayaran penuh pada saat
3 Mei/ jatuh tempo/Bullet payment on
Seri B/Serial B 2024 391.461 6,55% May 2027 due date
Pembayaran penuh pada saat
3 Mei/ jatuh tempo/Bullet payment on
Seri C/Serial C 2024 129.335 6,65% May 2029 due date
Obligasi Berkelanjutan VI Tahap IV
/Continuing Bonds VI Phase IV
Pembayaran penuh pada saat
10 Oktober/ jatuh tempo/Bullet payment on
Seri B/Serial B 2024 815.000 6,70% October 2027 due date
Pembayaran penuh pada saat
10 Oktober/ jatuh tempo/Bullet payment on
Seri C/Serial C 2024 400.000 6,80% October 2029 due date
LAMPIRAN – 5/105 – SCHEDULE
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
24. UTANG OBLIGASI (lanjutan) 24. BONDS PAYABLE (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
b. Penawaran umum efek utang ADMF (lanjutan) b. Public offering of ADMF’s debt securities
(continued)
Rincian tingkat bunga dan jatuh tempo masing-masing Details of interest rate and maturity date of each serial
seri efek utang yang diterbitkan (lanjutan): of debt securities issued (continued):
Tahun Nilai Tingkat
penerbitan/ nominal/ bunga tetap/
Efek utang/ Year of Nominal Fixed Jatuh tempo/ Cicilan pokok efek utang/
Debt securities issuance value interest rate Due date Debt securities installment
Obligasi Berkelanjutan VI Tahap V
/Continuing Bonds VI Phase V
Pembayaran penuh pada saat
24 Februari/ jatuh tempo/Bullet payment on
Seri A/Serial A 2025 997.102 6,75% February 2026 due date
Pembayaran penuh pada saat
14 Februari/ jatuh tempo/Bullet payment on
Seri B/Serial B 2025 856.076 6,95% February 2028 due date
Pembayaran penuh pada saat
14 Februari/ jatuh tempo/Bullet payment on
Seri C/Serial C 2025 213.815 7,05% February 2030 due date
Obligasi Berkelanjutan VII Tahap I
/Continuing Bonds VII Phase I
Pembayaran penuh pada saat
18 Juli/ jatuh tempo/Bullet payment on
Seri A/Serial A 2025 724.645 6,20% July 2026 due date
Pembayaran penuh pada saat
8 Juli/ jatuh tempo/Bullet payment on
Seri B/Serial B 2025 235.355 6,60% July 2028 due date
Pembayaran penuh pada saat
8 Juli/ jatuh tempo/Bullet payment on
Seri C/Serial C 2025 240.000 6,70% July 2030 due date
Obligasi Berkelanjutan VII Tahap II
/Continuing Bonds VII Phase II
Pembayaran penuh pada saat
31 Oktober/ jatuh tempo/Bullet payment on
Seri A/Serial A 2025 900.000 5,50% October 2026 due date
Pembayaran penuh pada saat
21 Oktober/ jatuh tempo/Bullet payment on
Seri B/Serial B 2025 750.000 5,65% October 2028 due date
ADMF menerbitkan obligasi dengan tujuan untuk ADMF issued bonds for the purpose of funding ADMF’s
membiayai kegiatan utama ADMF yaitu pembiayaan main activity which is consumer financing.
konsumen.
ADMF dapat melakukan pembelian kembali (buy back) ADMF can buy back part or all the bonds issued under
untuk sebagian atau seluruh obligasi yang diterbitkan a condition that such action can only be conducted after
dengan ketentuan bahwa hal tersebut hanya dapat the first anniversary since the issuance date.
dilaksanakan setelah ulang tahun pertama sejak tanggal
emisi.
LAMPIRAN – 5/106 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 691
Page 694
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. MUDHARABAH BONDS
\
25. SUKUK MUDHARABAH
Entitas Anak Subsidiary
a. Sukuk Mudharabah ADMF a. ADMF’s Mudharabah Bonds
2025 2024*)
Nilai nominal: Nominal value:
Sukuk Mudharabah Berkelanjutan I Continuing Mudharabah Bonds I
Tahap II - 196.500 Phase II
Sukuk Mudharabah Berkelanjutan I Continuing Mudharabah Bonds I
Tahap III 200.000 200.000 Phase III
Sukuk Mudharabah Berkelanjutan IV Continuing Mudharabah Bonds IV
Tahap III 98.000 147.000 Phase III
Sukuk Mudharabah Berkelanjutan V Continuing Mudharabah Bonds V
Tahap I 236.000 236.000 Phase I
Sukuk Mudharabah Berkelanjutan V Continuing Mudharabah Bonds V
Tahap II 48.830 48.830 Phase II
Sukuk Mudharabah Berkelanjutan V Continuing Mudharabah Bonds V
Tahap III 61.020 400.000 Phase III
Sukuk Mudharabah Berkelanjutan VI Continuing Mudharabah Bonds VI
Tahap I 300.000 - Phase I
Sukuk Mudharabah Berkelanjutan VI Continuing Mudharabah Bonds VI
Tahap II 700.000 - Phase II
Jumlah - neto 1.643.850 1.228.330 Total - net
Bagian yang jatuh tempo dalam
waktu satu tahun 995.689 584.480 Current portion
Bagian yang jatuh tempo lebih
dari satu tahun 648.161 643.850 Non-current portion
Sesuai dengan perjanjian perwaliamanatan sukuk According to the trustee mudharabah bonds
mudharabah, rasio jumlah pinjaman terhadap ekuitas agreement, debt to equity ratio does not exceed the
tidak melebihi ketentuan, yaitu maksimal 10:1. Selain itu, covenant, which is maximum of 10:1. Moreover,
selama pokok sukuk mudharabah belum dilunasi, during the time that the mudharabah bonds principals
ADMF tidak diperkenankan, antara lain melakukan are still outstanding, ADMF is not allowed to, among
penggabungan usaha kecuali dilakukan pada bidang others, merged unless performed on the same
usaha yang sama serta menjual atau mengalihkan lebih business and to sell or assign more than 40% of
dari 40% aset ADMF yang bukan piutang pembiayaan ADMF’s non-consumer financing receivables assets.
konsumen.
Pendapatan bagi hasil sukuk mudharabah dihitung Sharing revenue of mudharabah bonds is calculated
berdasarkan perkalian antara nisbah bagi hasil dengan by multiplication of sharing revenue ratio and margin
margin yang diperoleh ADMF dari hasil pembiayaan that ADMF earned from mudharabah financing.
mudharabah.
ADMF telah melakukan pembayaran bagi hasil sesuai ADMF had paid the revenue sharing on schedule as
dengan jatuh tempo yang telah ditetapkan dalam stated in the trustee agreement and complied with all
perjanjian perwaliamanatan dan telah memenuhi the requirements mentioned in the trustee agreement.
seluruh persyaratan yang disebutkan dalam perjanjian Total principal of mudharabah bonds has been paid in
perwaliamanatan. Jumlah pokok sukuk mudharabah accordance with the respective mudharabah bonds’
telah dibayarkan sesuai dengan tanggal jatuh tempo maturity date.
sukuk mudharabah yang bersangkutan.
Pada tanggal 31 Desember 2025 dan 2024, seluruh As of 31 December 2025 and 2024, all of ADMF’s
sukuk mudharabah ADMF mendapat peringkat mudharabah bonds are rated idAAA(sy) by
idAAA(sy) dari PT Pemeringkat Efek Indonesia PT Pemeringkat Efek Indonesia (Pefindo).
(Pefindo).
*) Disajikan kembali *) As restated
LAMPIRAN – 5/107 – SCHEDULE
692 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 695
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. SUKUK MUDHARABAH (lanjutan) 25. MUDHARABAH BONDS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
a. Sukuk Mudharabah ADMF (lanjutan) a. ADMF’s Mudharabah Bonds
Bagi hasil atas sukuk mudharabah untuk tahun yang The revenue sharing of mudharabah bonds for the
berakhir pada tanggal 31 Desember 2025 dan 2024 year ended 31 December 2025 and 2024 amounted to
masing-masing sebesar Rp79.147 dan Rp92.771. Rp79,147 and Rp92,771, respectively.
b. Penawaran umum sukuk mudharabah ADMF b. Public offering of ADMF’s mudharabah bonds
Pada tanggal 31 Desember 2025, sukuk mudharabah As of 31 December 2025, ADMF’s mudharabah bonds
yang telah diterbitkan oleh ADMF adalah sebagai issued are as follows:
berikut:
Tanggal
pernyataan Skedul
efektif/ pembayaran
Effective bagi hasil/
Sukuk mudharabah/ notification Nomor surat/ Jumlah/ Wali amanat/ Revenue sharing
Mudharabah bonds date Letter number Amount The trustee payment schedule
Sukuk Mudharabah Berkelanjutan I Mandala
Multifinance Tahap III/Shelf Registration
Mudharabah Bonds I Phase III (Sukuk
Mudharabah Berkelanjutan I Tahap 22 Juni/ PT Bank Rakyat Triwulan/
III/Continuing Mudharabah Bonds I Phase III) June 2023 No. S-87/D.04/2021 500.000 Indonesia (Persero) Tbk Quarterly
Sukuk Mudharabah Berkelanjutan IV Adira
Finance Tahap III Tahun 2022/Adira Finance
Continuing Mudharabah Bonds IV Phase III
Year 2022 (Sukuk Mudharabah
Berkelanjutan IV Tahap III/Continuing 30 Juni/ PT Bank Negara Triwulan/
Mudharabah Bonds IV Phase III) June 2020 No. S-182/D.04/2020 300.000 Indonesia (Persero) Tbk Quarterly
Sukuk Mudharabah Berkelanjutan V Adira
Finance Tahap I Tahun 2023/Adira Finance
Continuing Mudharabah Bonds V Phase I
Year 2023 (Sukuk Mudharabah
Berkelanjutan V Tahap I/Continuing 27 Juni/ PT Bank Negara Triwulan/
Mudharabah Bonds V Phase I) June 2023 No. S-164/D.04/2023 300.000 Indonesia (Persero) Tbk Quarterly
Sukuk Mudharabah Berkelanjutan V Adira
Finance Tahap II Tahun 2023/Adira Finance
Continuing Mudharabah Bonds V Phase II
Year 2023 (Sukuk Mudharabah
Berkelanjutan V Tahap II/Continuing 27 Juni/ PT Bank Negara Triwulan/
Mudharabah Bonds V Phase II) June 2023 No. S-164/D.04/2023 300.000 Indonesia (Persero) Tbk Quarterly
Sukuk Mudharabah Berkelanjutan V Adira
Finance Tahap III Tahun 2024/Adira Finance
Continuing Mudharabah Bonds V Phase III
Year 2024 (Sukuk Mudharabah
Berkelanjutan V Tahap III/Continuing 27 Juni/ PT Bank Negara Triwulan/
Mudharabah Bonds V Phase III) June 2023 No. S-164/D.04/2023 400.000 Indonesia (Persero) Tbk Quarterly
LAMPIRAN – 5/108 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 693
Page 696
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. SUKUK MUDHARABAH (lanjutan) 25. MUDHARABAH BONDS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
b. Penawaran umum sukuk mudharabah ADMF b. Public offering of ADMF’s mudharabah bonds
(lanjutan) (continued)
Pada tanggal 31 Desember 2025, sukuk mudharabah As of 31 December 2025, ADMF’s mudharabah bonds
yang telah diterbitkan oleh ADMF adalah sebagai berikut: issued are as follows: (continued)
(lanjutan)
Tanggal
pernyataan Skedul
efektif/ pembayaran
Effective bagi hasil/
Sukuk mudharabah/ notification Nomor surat/ Jumlah/ Wali amanat/ Revenue sharing
Mudharabah bonds date Letter number Amount The trustee payment schedule
Sukuk Mudharabah Berkelanjutan VI Adira
Finance Tahap I Tahun 2025/Adira
Finance Continuing Mudharabah Bonds
VI Phase I Year 2025 (Sukuk Mudharabah
Berkelanjutan VI Tahap I/Continuing 26 Juni/ PT Bank Negara Triwulan/
Mudharabah Bonds VI Phase I) June 2025 No. S-62/D.04/2025 300.000 Indonesia (Persero) Tbk Quarterly
Sukuk Mudharabah Berkelanjutan VI Adira
Finance Tahap II Tahun 2025/Adira
Finance Continuing Mudharabah Bonds
VI Phase II Year 2025 (Sukuk
Mudharabah Berkelanjutan VI Tahap
II/Continuing Mudharabah Bonds VI 26 Juni/ PT Bank Negara Triwulan/
Phase II) June 2025 No. S-62/D.04/2025 700.000 Indonesia (Persero) Tbk Quarterly
Rincian nisbah bagi hasil dan jatuh tempo masing- Details of revenue sharing ratio and due date of each
masing seri sukuk mudharabah yang diterbitkan serial of mudharabah bonds issued are as follows:
adalah sebagai berikut:
Tahun
penerbitan/ Jatuh Cicilan pokok sukuk
Sukuk mudharabah/ Year of Nilai nominal/ Nisbah bagi hasil/ tempo/ mudharabah/
Mudharabah bonds issuance Nominal value Revenue sharing ratio Due date Mudharabah bonds installment
Sukuk Mudharabah
Berkelanjutan I Tahap
III/Continuing Mudharabah
Bonds I Phase III
27,42% (setara dengan
8,50% per tahun/ Pembayaran penuh pada
equivalent 22 Juni/ saat jatuh tempo/Bullet payment
Seri B/Serial B 2023 200.000 to 8.50% per year) June 2026 on due date
Sukuk Mudharabah
Berkelanjutan IV Tahap
III/Continuing Mudharabah
Bonds IV Phase III
52,08% (setara dengan
6,25% per tahun/ Pembayaran penuh pada saat
equivalent 22 Maret/ jatuh tempo/Bullet payment on
Seri C/Serial C 2022 98.000 to 6.25% per year) March 2027 due date
LAMPIRAN – 5/109 – SCHEDULE
694 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 697
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. SUKUK MUDHARABAH (lanjutan) 25. MUDHARABAH BONDS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
b. Penawaran umum sukuk mudharabah ADMF b. Public offering of ADMF’s mudharabah bonds
(lanjutan) (continued)
Rincian nisbah bagi hasil dan jatuh tempo masing- Details of revenue sharing ratio and due date of each
masing seri sukuk mudharabah yang diterbitkan serial of mudharabah bonds issued are as follows
adalah sebagai berikut (lanjutan): (continued):
Tahun Cicilan pokok sukuk
penerbitan/ Nilai nominal/ mudharabah/
Sukuk mudharabah/ Year of Nominal Nisbah bagi hasil/ Jatuh tempo/ Mudharabah bonds
Mudharabah bonds issuance value Revenue sharing ratio Due date installment
Sukuk Mudharabah
Berkelanjutan V Tahap I/
Continuing Mudharabah
Bonds V Phase I
50,00% (setara dengan
6,00% per tahun/ Pembayaran penuh pada saat
equivalent to 6.00% per 7 Juli/ jatuh tempo/Bullet payment on
Seri B/Serial B 2023 141.000 year) July 2026 due date
52,08% (setara dengan
6,25% per tahun/ Pembayaran penuh pada saat
equivalent to 6.25% per 7 Juli/ jatuh tempo/Bullet payment on
Seri C/Serial C 2023 95.000 year) July 2028 due date
Sukuk Mudharabah
Berkelanjutan V Tahap II/
Continuing Mudharabah
Bonds V Phase II
54,17% (setara dengan
6,50% per tahun/ 9 November/ Pembayaran penuh pada saat
equivalent to 6.50% per November jatuh tempo/Bullet payment on
Seri B/Serial B 2023 48.730 year) 2026 due date
54,58% (setara dengan
6,55% per tahun/ 9 November/ Pembayaran penuh pada saat
equivalent to 6.55% per November jatuh tempo/Bullet payment on
Seri C/Serial C 2023 100 year) 2028 due date
Sukuk Mudharabah
Berkelanjutan V Tahap III/
Continuing Mudharabah
Bonds V Phase III
54,58% (setara dengan
6,55% per tahun/ Pembayaran penuh pada saat
equivalent to 3 Mei/ jatuh tempo/Bullet payment on
Seri B/Serial B 2024 39.005 6.55% per year) May 2027 due date
55,42% (setara dengan
6,65% per tahun/ Pembayaran penuh pada saat
equivalent to 3 Mei/ jatuh tempo/Bullet payment on
Seri C/Serial C 2024 22.015 6.65% per year) May 2029 due date
LAMPIRAN – 5/110 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 695
Page 698
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
25. SUKUK MUDHARABAH (lanjutan) 25. MUDHARABAH BONDS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
b. Penawaran umum sukuk mudharabah ADMF b. Public offering of ADMF’s mudharabah bonds
(lanjutan) (continued)
Rincian nisbah bagi hasil dan jatuh tempo masing- Details of revenue sharing ratio and due date of each
masing seri sukuk mudharabah yang diterbitkan serial of mudharabah bonds issued are as follows
adalah sebagai berikut (lanjutan): (continued):
Tahun Cicilan pokok sukuk
penerbitan/ Nilai nominal/ mudharabah/
Sukuk mudharabah/ Year of Nominal Nisbah bagi hasil/ Jatuh tempo/ Mudharabah bonds
Mudharabah bonds issuance value Revenue sharing ratio Due date installment
Sukuk Mudharabah
Berkelanjutan VI Tahap I/
Continuing Mudharabah
Bonds VI Phase I
51,67% (setara dengan
6,20% per tahun/ Pembayaran penuh pada saat
equivalent to 18 Juli/ jatuh tempo/Bullet payment on
Seri A/Serial A 2025 205.959 6.20% per year) July 2026 due date
55,00% (setara dengan
6,60% per tahun/ Pembayaran penuh pada saat
equivalent to 8 Juli/ jatuh tempo/Bullet payment on
Seri B/Serial B 2025 60.011 6.60% per year) July 2028 due date
55,83% (setara dengan
6,70% per tahun/ Pembayaran penuh pada saat
equivalent to 8 Juli/ jatuh tempo/Bullet payment on
Seri C/Serial C 2025 34.030 6.70% per year) July 2030 due date
Sukuk Mudharabah
Berkelanjutan VI Tahap II/
Continuing Mudharabah
Bonds VI Phase II
45,83% (setara dengan
5,50% per tahun/ Pembayaran penuh pada saat
equivalent to 31 Oktober/ jatuh tempo/Bullet payment on
Seri A/Serial A 2025 400.000 5.50% per year) October 2026 due date
47,08% (setara dengan
5,65% per tahun/ Pembayaran penuh pada saat
equivalent to 21 Oktober/ jatuh tempo/Bullet payment on
Seri B/Serial B 2025 300.000 5.65% per year) October 2028 due date
ADMF menerbitkan sukuk mudharabah dengan tujuan ADMF issued mudharabah bonds for the purpose of
untuk membiayai kegiatan utama ADMF yaitu funding ADMF’s main activity which is consumer
pembiayaan konsumen. financing.
ADMF dapat melakukan pembelian kembali (buy back) ADMF can buy back part or all the mudharabah bonds
untuk sebagian atau seluruh sukuk mudharabah yang issued under a condition that such action can only be
diterbitkan dengan ketentuan bahwa hal tersebut hanya conducted after the first anniversary since the issuance
dapat dilaksanakan setelah ulang tahun pertama sejak date.
tanggal emisi.
LAMPIRAN – 5/111 – SCHEDULE
696 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 699
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. PINJAMAN YANG DITERIMA 26. BORROWINGS
Berdasarkan jenis dan mata uang By type and currency
2025 2024*)
Rupiah Rupiah
- PT Bank Central Asia Tbk 1.326.098 1.170.988 PT Bank Central Asia Tbk -
- PT Bank Mandiri (Persero) Tbk 915.811 1.620.520 PT Bank Mandiri (Persero) Tbk -
- PT Bank Pan Indonesia Tbk 704.532 1.042.159 PT Bank Pan Indonesia Tbk -
- MUFG Bank, Ltd. 627.217 433.333 MUFG Bank, Ltd. -
- PT Bank Rakyat Indonesia Tbk 449.692 - PT Bank Rakyat Indonesia Tbk -
- Citibank, N.A., Indonesia 350.000 450.000 Citibank, N.A., Indonesia -
- PT Bank Central Asia Syariah 329.166 241.257 PT Bank Central Asia Syariah -
- PT Bank UOB Indonesia 175.000 250.000 PT Bank UOB Indonesia -
- PT Bank Maybank Indonesia Tbk 127.762 527.538 PT Bank Maybank Indonesia Tbk -
- PT Bank Negara Indonesia Tbk 70.815 528.455 PT Bank Negara Indonesia Tbk -
- PT Bank Muamalat Indonesia Tbk 41.667 2.500 PT Bank Muamalat Indonesia Tbk -
- PT Bank DKI 38.889 155.556 PT Bank DKI -
- PT Bank DBS Indonesia 24.984 108.244 PT Bank DBS Indonesia -
- PT Bank Maspion Indonesia Tbk - 201.677 PT Bank Maspion Indonesia Tbk -
- PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah -
Jawa Barat dan Banten Tbk - 119.982 Jawa Barat dan Banten Tbk
- PT Bank Resona Perdania - 99.750 PT Bank Resona Perdania -
- PT Bank OCBC NISP Tbk - 16.652 PT Bank OCBC NISP Tbk -
- PT Bank Permata Tbk (termasuk PT Bank Permata Tbk (including -
pinjaman sindikasi) - 16.622 syndicated loan
- PT Bank OKE Indonesia Tbk - 1.458 PT Bank OKE Indonesia Tbk -
5.181.633 6.986.691
Mata uang asing (Catatan 53) Foreign currencies (Note 53)
- MUFG Bank, Ltd. 4.020.460 5.167.503 MUFG Bank, Ltd. -
- The Islamic Corporation for the The Islamic Corporation for the -
Development of the Private Sector Development of the Private Sector
(ICD) - 218.750 (ICD)
9.202.093 12.372.944
Suku bunga efektif rata-rata tertimbang per tahun untuk The weighted average effective interest rate per annum for
tahun yang berakhir pada tanggal 31 Desember 2025 dan the year ended 31 December 2025 and 2024 were 6.63%
2024 adalah 6,63% dan 7,02%. and 7.02%.
Bank The Bank
Pada tanggal 7 Juli 2025, Bank melakukan perjanjian On 7 July 2025, the Bank entered into a loan agreement
pinjaman dengan MUFG Bank, Ltd., Jakarta Branch, pihak amounted to USD20,000,000 (full amount) with MUFG
berelasi, senilai USD20.000.000 (nilai penuh). Pinjaman Bank, Ltd., Jakarta Branch, a related party. The loan was
tersebut telah dicairkan seluruhnya pada tanggal fully disbursed on 15 October 2025 with fixed interest rate
15 Oktober 2025 dengan tingkat suku bunga tetap sebesar of 4.05% and the loan has been fully paid on 15 January
4,05% dan pinjaman telah dilunasi pada tanggal 15 Januari 2026.
2026.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/112 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 697
Page 700
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. PINJAMAN YANG DITERIMA (lanjutan) 26. BORROWINGS (continued)
Entitas Anak Subsidiary
Berikut ini adalah tabel rincian dari pinjaman yang diterima: The following table is the details of borrowings:
Batas
maksimum Perjanjian terakhir/ Suku bunga kontraktual/
kredit/ Latest agreement Contractual interest rate
Nama Bank/ Fasilitas/ Maximum Awal/ Akhir/ Cicilan pokok/
Bank Name Facility credit limit Start End 2025 2024 Principal installment
ADMF
PT Bank Pan 14 November/ 14 November/ Setiap satu bulan
Indonesia Tbk I 1.000.000 November 2022 November 2026 6,90% - 7,30% 6,65% - 7,30% sekali/Monthly basis
20 Februari/ 20 Februari/ Setiap satu bulan
II 1.000.000 February 2023 February 2027 7,10% 7,10% sekali/Monthly basis
27 Maret/ 27 Maret/ Setiap satu bulan
III 1.000.000 March 2023 March 2027 7,10% 6,30% - 7,10% sekali/Monthly basis
28 Februari/ 22 Desember/ Setiap satu bulan
IV 2.000.000 February 2025 December 2028 5,65% - 6,50% 6,30% sekali/Monthly basis
PT Bank
Mandiri 29 September/ 30 Juni/ Setiap satu bulan
(Persero) Tbk I 2.000.000 September 2023 June 2026 7,15% - 7,22% 6,80% - 7,22% sekali/Monthly basis
29 September/ 9 April/ Setiap satu bulan
II 2.000.000 September 2023 April 2028 6,74% - 7,20% 6,50% - 7,20% sekali/Monthly basis
20 Agustus/ 1 Juli/ Setiap satu bulan
III 2.000.000 August 2025 July 2029 6,15% - 6,70% 6,55% - 6,70% sekali/ Monthly basis
26 Januari/ 25 Januari/ Setiap satu bulan
IV 250.000 January 2024 January 2026 6,55% - sekali/ Monthly basis
PT Bank Central 5 September/ 20 April/ Setiap satu bulan
Asia Tbk I 1.000.000 September 2022 April 2026 7,16% - 7,19% 7,16% - 7,19% sekali/Monthly basis
27 Oktober/ 31 Desember/ Setiap satu bulan
II 1.000.000 October 2025 December 2028 5,75% - 7,00% 7,00% sekali/Monthly basis
27 Oktober/ 27 Oktober/ Setiap satu bulan
III 600.000 October 2025 October 2029 - - sekali/Monthly basis
PT Bank
Maybank 28 Maret/ 28 Desember/ Setiap satu bulan
Indonesia Tbk I 1.000.000 March 2023 December 2026 7,35% 7,35% sekali/Monthly basis
23 Juni/ 23 Maret/ Setiap satu bulan
II 1.000.000 June 2023 March 2027 7,25% 6,50% - 7,25% sekali/Monthly basis
Pembayaran penuh pada
saat jatuh tempo/Bullet
19 Oktober/ 23 Juni/ payment on maturity
III 250.000 October 2025 June 2026 - - date
Pembayaran penuh
pada saat jatuh
Citibank, 25 September/ 9 Februari/ tempo/Bullet payment on
N.A., Indonesia I 1.000.000 September 2025 February 2026 6,35 % - 6,75% 6,55% - 6,75% maturity date
Pembayaran penuh
pada saat jatuh
MUFG Bank, 20 Juni/ 30 Desember/ tempo/Bullet payment
Ltd. (Jakarta) I 500.000 June 2025 December 2026 4,70% - 6,40% 5,90% - 6,70% on maturity date
21 Juni/ 3 Februari/ Setiap tiga bulan
II 800.000 June 2023 February 2026 6,00% - 6,60% 6,00% - 6,60% sekali/Quarterly basis
23 Desember/ 23 Juni/ Setiap tiga bulan
III 500.000 December 2022 June 2026 7,25% - 7,30% 7,25% - 7,30% sekali/Quarterly basis
USD50.000.000
(Equivalent to 12 September/ 12 September/ Setiap tiga bulan
IV Rp770.750) September 2024 September 2028 6,50% - sekali/Quarterly basis
LAMPIRAN – 5/113 – SCHEDULE
698 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 701
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. PINJAMAN YANG DITERIMA (lanjutan) 26. BORROWINGS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Berikut ini adalah tabel rincian dari pinjaman yang diterima The following table is the details of borrowings (continued):
(lanjutan):
Batas
maksimum Perjanjian terakhir/ Suku bunga kontraktual/
kredit/ Latest agreement Contractual interest rate
Nama Bank/ Fasilitas/ Maximum Awal/ Akhir/ Cicilan pokok/
Bank Name Facility credit limit Start End 2025 2024 Principal installment
ADMF (lanjutan/continued)
PT Bank Negara 19 Februari/ 18 Februari/ Setiap satu bulan
Indonesia Tbk I 500.000 February 2024 February 2028 6,50% 6,50% sekali/Monthly basis
PT Bank UOB 13 Maret/ 13 September/ Setiap tiga bulan
Indonesia I 500.000 March 2024 September 2025 6,80% 6,80% sekali/Quarterly basis
26 Juni/ 26 Desember/ Setiap tiga bulan
II 500.000 June 2025 December 2028 6,20% - 6,60% - sekali/Quarterly basis
Pembayaran penuh pada
saat jatuh tempo/Bullet
PT Bank CTBC 30 Desember/ 15 Maret/ payment on maturity
Indonesia I 175.000 December 2025 March 2026 6,78% 6,15% - 6,20% date
PT Bank
Pembangunan
Daerah Jawa
Barat & Banten 27 Juli/ 27 April/ Setiap satu bulan
Tbk I 500.000 July 2023 April 2027 6,80% 6,60% - 6,80% sekali/Monthly basis
25 April/ 25 Januari/ Setiap satu bulan
II 500.000 April 2024 January 2028 6,68% 6,68% sekali/Monthly basis
11 September/ 10 April/ Setiap satu bulan sekali/
PT Bank DKI I 184.722 September 2024 April 2026 7,35% 7,35% Monthly basis
PT Bank 4 September/ 4 September/ Setiap tiga bulan
DBS Indonesia I 300.000 September 2023 September 2027 6,60% - 6,80% 6,60% - 6,80% sekali/Quarterly basis
29 Juli/ 29 Januari/ Setiap tiga bulan
II 200.000 July 2025 January 2029 - - sekali/Quarterly basis
PT Bank BCA 24 Oktober/ 30 September/ Setiap satu bulan
Syariah I October 2025 September 2031 7,25% - 7,35% 7,25% - 7,35% sekali/Monthly basis
545.000 Pembayaran penuh pada
24 Oktober/ 30 September/ saat jatuh tempo/Bullet
II October 2025 September 2031 5,50% - payment on maturity date
PT Bank
Muamalat 16 Januari/ 30 Agustus/ Setiap satu bulan
Indonesia Tbk I 200.000 January 2025 August 2026 6,50% 6,35% sekali/Monthly basis
PT Bank Rakyat 18 September/ 23 September/ Setiap satu bulan sekali/
Indonesia Tbk I 1.000.000 September 2025 September 2028 6,25% - 6,45% - Monthly basis
MUFG Bank, Ltd.
(Hong kong -
Sindikasi/ 1 Februari/ 1 November/ Setiap tiga bulan
Sydicated) I USD300.000.000 February 2024 November 2027 4,63% - 5,54% 5,27% - 6,29% sekali/Quarterly basis
PT Bank CIMB 12 Desember/ 12 Desember/ Setiap satu bulan sekali/
Niaga Tbk I 800.000 December 2025 December 2029 - - Monthly basis
LAMPIRAN – 5/114 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 699
Page 702
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. PINJAMAN YANG DITERIMA (lanjutan) 26. BORROWINGS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Berikut ini adalah tabel rincian dari pinjaman yang diterima The following table is the details of borrowings (continued):
(lanjutan):
Batas
maksimum Perjanjian terakhir/ Suku bunga kontraktual/
kredit/ Latest agreement Contractual interest rate
Nama Bank/ Maximum Awal/ Akhir/ Cicilan pokok/
Bank Name Fasilitas/ Facility credit limit Start End 2025 2024 Principal installment
ADMF (lanjutan/continued)
MUFG USD100.000.000
Bank, Ltd. (Equivalent to 21 November/ 21 November/ Setiap tiga bulan
(Singapura) I ¥14.000.112.000) November 2023 November 2027 0,57% - 0,72% 0,57% - 0,72% sekali/Quarterly basis
12 November/ 12 November/ Setiap tiga bulan
II USD100.000.000 November 2025 November 2029 4,58% - sekali/Quarterly basis
Ex-legacy (MFIN)
Pinjaman
PT Bank Central Angsuran/ 19 Juli/ 29 Desember/ Setiap satu bulan
Asia Tbk Installment Loan 7 300.000 July 2022 December 2025 7,00% - 8,00% 7,00% - 8,25% sekali/Monthly basis
Pinjaman
Angsuran/ 27 Oktober/ 22 Juli/ Setiap satu bulan
Installment Loan 8 1.000.000 October 2025 July 2028 7,10% - 7,25% 7,10% - 7,25% sekali/Monthly basis
Pinjaman
Angsuran/ 27 Oktober/ 18 Juli/ Setiap satu bulan
Installment Loan 9 400.000 October 2025 July 2029 6,90% - sekali/Monthly basis
PT Bank Negara Kredit Modal
Indonesia Kerja/Working 24 Februari/ 2 Juli/ Setiap satu bulan
(Persero), Tbk Capital Loan 265.000 February 2024 July 2026 - 7,00% - 7,50% sekali/Monthly basis
PT Bank Kredit Sindikasi/ 08 Juni/ 29 Juni/ Setiap tiga bulan
Permata, Tbk Syndicated Loan 1.200.000 June 2022 June 2025 - 8,00% sekali/Quarterly basis
PT Bank OCBC Kredit Berjangka/ 27 Juli/ 31 Agustus/ Setiap satu bulan
NISP, Tbk Term Loan 150.000 July 2023 August 2025 - 7,15% - 7,20% sekali/Monthly basis
PT Bank Oke Pinjaman Modal
Indonesia, Tbk Kerja/ Working 11 Juli/ 11 Januari/ Setiap satu bulan
Capital Loan 50.000 July 2022 January 2025 - 8,00% sekali/Monthly basis
PT Bank Mandiri Kredit Investasi/ 28 December/ 23 Maret/ Setiap satu bulan
(Persero), Tbk Investment Credit 85.000 December 2021 March 2027 - 8,25% sekali/Monthly basis
Kredit Modal
Kerja/Working 10 Juli/ 30 Januari/ Setiap satu bulan
Capital Loan 500.000 July 2024 January 2027 7,00% - 7,25% 7,10% - 7,25% sekali/Monthly basis
Kredit Angsuran
Berjangka/Term
PT Bank Maspion Installment 6 November/ 26 Juni/ Setiap satu bulan
Indonesia, Tbk Loan Facility 250.000 November 2023 June 2027 - 7,50% - 7,60% sekali/Monthly basis
LAMPIRAN – 5/115 – SCHEDULE
700 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 703
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. PINJAMAN YANG DITERIMA (lanjutan) 26. BORROWINGS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Berikut ini adalah tabel rincian dari pinjaman yang diterima The following table is the details of borrowings (continued):
(lanjutan):
Batas
maksimum Perjanjian terakhir/ Suku bunga kontraktual/
Latest agreement Contractual interest rate
kredit/
Cicilan pokok/
Nama Bank/ Maximum Awal/ Akhir/ Principal
Bank Name Fasilitas/ Facility credit limit Start End 2025 2024 installment
Ex-legacy (MFIN) (lanjutan/continued)
Kredit Angsuran
Berjangka/ Term
PT Bank Resona Installment 12 Desember/ 23 Desember/ Setiap satu bulan
Perdania Loan Facility 100.000 December 2024 December 2026 - 7,00% sekali/Monthly basis
Pembiayaan
Mudharabah/
PT Bank BCA Mudharabah 12 Desember/ 25 Juni/ Setiap satu bulan
Syariah Financing 190.000 December 2024 June 2028 7,25% - 8,50% 7,75% - 9,50% sekali/Monthly basis
Pembiayaan
PT Bank Mudharabah/
Muamalat Mudharabah 12 Desember/ 30 Maret/ Setiap satu bulan
Indonesia, Tbk Financing 100.000 December 2024 March 2025 - 7,75% sekali/Monthly basis
Islamic
Corporation USD30.000.0
For The Fasilitas 00 (nilai
Development Murabahah/ penuh/ full
Of The Private Murabahah amount) (Eq. 25 Maret/ 4 Agustus/ Setiap tiga bulan
Sector (ICD) Facility to 462.200) March 2022 August 2026 - 8,93% - 9,61% sekali/Quarterly basis
Informasi lainnya - ADMF Other information - ADMF
Untuk pinjaman sindikasi MUFG Bank, Ltd. (Hong Kong), For MUFG Bank, Ltd. (Hong Kong) syndicated
CTBC Bank Co., Ltd., DBS Bank Ltd., Maybank Securities borrowing, CTBC Bank Co., Ltd., DBS Bank Ltd.,
PTE Ltd., MUFG Bank, Ltd., dan United Overseas Bank Maybank Securities PTE Ltd., MUFG Bank, Ltd., dan
Limited bertindak sebagai mandated lead arrangers dan United Overseas Bank Limited acted as mandated lead
bookrunners, MUFG Bank, Ltd. (Hong Kong) sebagai arrangers and bookrunners, MUFG Bank, Ltd. (Hong
agent. CTBC Bank Co., Ltd. (Singapore), PT Bank DBS Kong) acted as agent. CTBC Bank Co., Ltd.
Indonesia, Malayan Banking Berhad (Singapore), MUFG (Singapore), PT Bank DBS Indonesia, Malayan Banking
Bank, Ltd. (Singapore), United Overseas Bank Limited, Berhad (Singapore), MUFG Bank, Ltd. (Singapore),
Bank of Baroda (IFSC Banking Unit-GIFT City), PT Bank United Overseas Bank Limited, Bank of Baroda (IFSC
KEB Hana Indonesia, The Korea Development Bank Banking Unit-GIFT City), PT Bank KEB Hana Indonesia,
(Singapore), Mega International Commercial Bank Co., Ltd. The Korea Development Bank (Singapore), Mega
(Offshore Banking), Taipei Fubon Commercial Bank Co., International Commercial Bank Co., Ltd. (Offshore
Ltd. (Singapore), Bank of China Limited (Singapore), Banking), Taipei Fubon Commercial Bank Co., Ltd.
Sumitomo Mitsui Trust Bank, Ltd. (Singapore), E.SUN (Singapore), Bank of China Limited (Singapore),
Commercial Bank, Ltd. (Singapore), The Gunma Bank, Sumitomo Mitsui Trust Bank, Ltd. (Singapore), E.SUN
Ltd., Hua Nan Commercial Bank, Ltd. (Offshore Banking), Commercial Bank, Ltd. (Singapore), The Gunma Bank,
Hua Nan Commercial Bank, Ltd. (Singapore), The Ltd., Hua Nan Commercial Bank, Ltd. (Offshore
Shanghai Commercial & Saving Bank, Ltd. (Offshore Banking), Hua Nan Commercial Bank, Ltd. (Singapore),
Banking), Taiwan Cooperative Bank (Offshore Banking), The Shanghai Commercial & Saving Bank, Ltd.
First Commercial Bank (Offshore Banking), State Bank of (Offshore Banking), Taiwan Cooperative Bank (Offshore
India (Singapore), Taishin International Bank Co., Ltd., Banking), First Commercial Bank (Offshore Banking),
Bank of Taiwan (Singapore), Chang Hwa Commercial State Bank of India (Singapore), Taishin International
Bank, Ltd. (Singapore), The Chugoku Bank, Ltd. (Hong Bank Co., Ltd., Bank of Taiwan (Singapore), Chang Hwa
Kong), Commercial Bank, Ltd. (Singapore), The Chugoku
Bank, Ltd. (Hong Kong),
LAMPIRAN – 5/116 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 701
Page 704
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. PINJAMAN YANG DITERIMA (lanjutan) 26. BORROWINGS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Informasi lainnya - ADMF Other information - ADMF
Far Eastern International Bank, Ltd., Sunny Bank, Ltd., Far Eastern International Bank, Ltd., Sunny Bank, Ltd.,
Taiwan Business Bank, Ltd. (Offshore Banking), Taiwan Taiwan Business Bank, Ltd. (Offshore Banking), Taiwan
Shin Kong Commercial Bank Co., Ltd., The Chiba Bank, Shin Kong Commercial Bank Co., Ltd., The Chiba Bank,
Ltd. (Hong Kong), The Hyakugo Bank, Ltd., The Joyo Bank, Ltd. (Hong Kong), The Hyakugo Bank, Ltd., The Joyo
Ltd., PT Bank SBI Indonesia bertindak sebagai original Bank, Ltd., PT Bank SBI Indonesia acted as original
lenders. lenders.
Pinjaman yang diterima dari Citibank, N.A., Indonesia, The borrowings from Citibank, N.A., Indonesia, PT Bank
PT Bank BCA Syariah, MUFG Bank, Ltd. (Jakarta) (fasilitas BCA Syariah, MUFG Bank, Ltd. (Jakarta) (facility I),
I), PT Bank CTBC Indonesia Indonesia Tbk dan PT Bank PT Bank CTBC Indonesia and PT Bank Maybank
Maybank Indonesia Tbk (fasilitas III) merupakan fasilitas Indonesia Tbk (facility III) are revolving working capital
pinjaman modal kerja berulang. facilities.
Seluruh pinjaman yang diterima oleh ADMF digunakan All of the ADMF’s borrowings are used for working
untuk modal kerja. Selama pinjaman belum dilunasi, ADMF capital purposes. During the period that the loan is still
tidak diperkenankan antara lain, mengikat diri sebagai outstanding, the ADMF is not allowed to, among others,
penjamin atas pemenuhan kewajiban pihak ketiga, act as a guarantor for the fulfillment of third party
diharuskan untuk memenuhi ketentuan gearing ratio paling obligations, is required to comply with gearing ratio
tinggi 10 kali dan mempertahankan rasio saldo piutang provisions for a maximum of 10 times and maintain the
pembiayaan (outstanding principal) dengan kategori ratio of financing receivable (outstanding principal)
kualitas piutang pembiayaan bermasalah (non-performing categorised as non-performing financing after deducting
financing) setelah dikurangi cadangan penyisihan allowance for impairment losses at the maximum of 5%
penghapusan piutang pembiayaan paling tinggi sebesar in accordance with OJK provisions, and other reporting
5% sesuai ketentuan OJK, dan kewajiban penyampaian obligation.
laporan lainnya.
Pada tanggal 31 Desember 2025, saldo pinjaman yang As of 31 December 2025, the outstanding balance of the
diterima dalam mata uang asing sebesar USD185.000.000 borrowings denominated in foreign currency amounted
dan JPY5.653.380.000 (nilai penuh) (2024: to USD185,000,000 and JPY5,653,380,000 (full
USD268.619.040 dan JPY10.320.084.000 (nilai penuh)), amount) (2024: USD268,619,040 and
termasuk bunganya telah dilindung nilai dengan kontrak JPY10,320,084,000 (full amount)), including the interest
cross currency dan interest rate swap (lihat Catatan 10 dan which was hedged by cross currency and interest rate
38). swap (see Notes 10 and 38).
Pembayaran bunga dan pokok pinjaman telah dibayarkan Interest and principal loan payments have been paid by
oleh ADMF sesuai dengan jadwal. ADMF on schedule.
Pada tanggal 31 Desember 2025, ADMF telah memenuhi As of 31 December 2025, ADMF has complied with all
seluruh persyaratan yang disebutkan dalam perjanjian the requirements mentioned in the loan facility
fasilitas-fasilitas pinjaman ini. agreements.
Informasi lainnya - MFIN Other information - MFIN
Berdasarkan Akta Penggabungan Usaha No.71 tanggal Based on the Merger Deed No.71 dated 16 July 2025
16 Juli 2025 dan Akta No.65 tanggal 30 September 2025, and Deed No.65 dated 30 September 2025, all assets
seluruh aset dan liabilitas MFIN, termasuk namun tidak and liabilities of MFIN, including but not limited to debts
terbatas pada utang dan kewajiban pembayaran and payment obligations under financial facilities of any
berdasarkan fasilitas keuangan berupa dan dengan nama form and name, have been legally transferred to ADMF
apapun, telah beralih secara hukum kepada ADMF pada on the effective date of the merger (1 October 2025).
tanggal efektif penggabungan (1 Oktober 2025). Dengan Accordingly, all loan facilities previously received by
demikian, seluruh fasilitas pinjaman yang sebelumnya MFIN as described above have been novated and
diterima oleh MFIN sebagaimana diuraikan di atas ini telah become the obligations of ADMF since that date.
dinovasikan dan menjadi kewajiban ADMF sejak tanggal
tersebut.
LAMPIRAN – 5/117 – SCHEDULE
702 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 705
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
26. PINJAMAN YANG DITERIMA (lanjutan) 26. BORROWINGS (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Informasi lainnya - MFIN (lanjutan) Other information - MFIN (continued)
Untuk pinjaman sindikasi yang diterima, PT Bank Permata For the syndicated loan received, PT Bank Permata Tbk
Tbk bertindak sebagai joint mandated lead arranger dan acted as the joint mandated lead arranger and facility
facility agent. PT Bank CIMB Niaga Tbk, PT Bank KEB agent. PT Bank CIMB Niaga Tbk, PT Bank KEB Hana
Hana Indonesia, PT Bank Pembangunan Daerah Sulawesi Indonesia, PT Bank Pembangunan Daerah Sulawesi
Selatan dan Sulawesi Barat, PT Bank Pembangunan Selatan dan Sulawesi Barat, PT Bank Pembangunan
Daerah Papua, dan PT Bank Pembangunan Daerah Jawa Daerah Papua, and PT Bank Pembangunan Daerah
Tengah bertindak sebagai kreditur pemberi pinjaman. Jawa Tengah acted as the original lenders. This
Fasilitas pinjaman sindikasi ini telah dilunasi seluruhnya syndicated loan facility was fully repaid in April 2025.
pada April 2025.
Pinjaman yang diterima MFIN terdiri dari fasilitas pinjaman The borrowings received by MFIN consist of installment
angsuran dan pinjaman rekening koran dari PT Bank loan and current account loan facilities from PT Bank
Central Asia Tbk; fasilitas pinjaman kredit investasi dan Central Asia Tbk; investment credit loan and working
pinjaman kredit modal kerja dari PT Bank Mandiri (Persero) capital credit loan facilities from PT Bank Mandiri
Tbk; fasilitas kredit rekening koran (revolving); serta (Persero) Tbk; as well as sharia financing facilities in the
fasilitas pembiayaan syariah berupa pembiayaan modal form of working capital mudharabah financing
kerja mudharabah (revolving) dari PT Bank BCA Syariah. (revolving) from PT Bank BCA Syariah. The majority of
Mayoritas fasilitas tersebut dijamin dengan fidusia atas these facilities are secured by a fiduciary transfer of the
piutang pembiayaan konsumen MFIN. Fasilitas pinjaman MFIN’s consumer financing receivables. Other loan
lainnya dari The Islamic Corporation for the Development facilities from The Islamic Corporation for the
of the Private Sector (ICD), PT Bank Negara Indonesia Development of the Private Sector (ICD), PT Bank
(Persero) Tbk, PT Bank Maspion Indonesia Tbk, dan PT Negara Indonesia (Persero) Tbk, PT Bank Maspion
Bank Muamalat Indonesia Tbk telah dilunasi selama tahun Indonesia Tbk, and PT Bank Muamalat Indonesia Tbk
berjalan tahun 2025. were settled during the current year of 2025.
Selama pinjaman belum dilunasi, MFIN tidak During the period that the borrowings are still
diperkenankan antara lain, mengikat diri sebagai penjamin outstanding, MFIN is not allowed to, among others, act
atas pemenuhan kewajiban pihak ketiga, diharuskan untuk as a guarantor for the fulfillment of third-party
memenuhi berbagai ketentuan finansial termasuk gearing obligations, is required to comply with various financial
ratio paling tinggi 9 kali, mempertahankan rasio covenants including a maximum gearing ratio of 9 times,
pembiayaan bermasalah (non-performing financing) paling maintaining its non-performing financing ratio at a
tinggi sebesar 3,5%, dan net credit losses paling tinggi maximum of 3.5%, and net credit losses shall not
sebesar 7% sesuai ketentuan OJK, serta tunduk pada exceed 7% in accordance with OJK provisions, and is
kewajiban pelaporan dan pemberitahuan lainnya kepada subject to other reporting and notification obligations to
kreditur. the lenders.
Pada tanggal 31 Desember 2024, MFIN tidak memenuhi As of December 31, 2024, MFIN did not meet several
(breach) beberapa pembatasan finansial terkait pinjaman financial debt covenants related to loans from PT Bank
dari PT Bank Mandiri (Persero) Tbk, PT Bank Maspion Mandiri (Persero) Tbk, PT Bank Maspion Indonesia Tbk
Indonesia Tbk dan PT Bank Muamalat Indonesia Tbk. and PT Bank Muamalat Indonesia Tbk. MFIN and the
MFIN dan the Banks telah melakukan komunikasi atas Banks have communicated on this breach condition for
kondisi breach ini dimana the Banks meminta MFIN untuk which the Banks asked MFIN to submit a commitment
menyampaikan komitmen perbaikan rasio yang to improve the required ratios. There are no default of
dipersyaratkan. Tidak terdapat tunggakan pembayaran payment on MFIN’s loans as of 31 December 2024, or
atas pinjaman MFIN pada tanggal 31 Desember 2024 an early payment request for this breach condition by
maupun permintaan pembayaran dipercepat atas kondisi the Banks.
breach ini oleh the Banks.
MFIN telah melakukan pembayaran kewajiban atas seluruh MFIN has repaid all of its borrowings obligations in a
pinjaman secara tepat waktu. Pada tanggal 30 September timely manner. As of 30 September 2025, MFIN has
2025, MFIN telah memenuhi pembatasan-pembatasan fulfilled the debts covenants requirements and other
finansial dan nonfinansial yang diwajibkan dalam perjanjian non-financial debt covenants.
pinjaman.
LAMPIRAN – 5/118 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 703
Page 706
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN 27. TAXATION
a. Pajak dibayar dimuka a. Prepaid tax
2025 2024
Bank Bank
Surat Ketetapan Pajak (SKP) 1.341.774 1.169.693 Tax Assessment Letters
Pajak Penghasilan Badan 2023 - 343.150 Corporate Income Tax 2023
Pajak Penghasilan Badan 2024 534.878 534.878 Corporate Income Tax 2024
Pajak Penghasilan Pasal 21 - 19.858 Income Tax Article 21
Entitas Anak Subsidiary
Surat Ketetapan Pajak (SKP) 39.763 61.281 Tax Assessment Letters
Pajak Penghasilan Badan 2025 Ex-legacy MFIN Corporate
Ex-legacy MFIN 31.115 - Income Tax 2025
Pajak Penghasilan Pasal 21 - 12.528 Income Tax Article 21
1.947.530 2.141.388
b. Utang pajak b. Taxes payable
2025 2024*)
Bank Bank
Pajak Penghasilan: Income Tax:
- Pasal 25 dan 29 48.399 64.878 Article 25 and 29 -
- Pasal 21 168 14.705 Article 21 -
- Pajak Penghasilan Lainnya 27.859 29.416 Other Income Taxes -
Pajak Pertambahan Nilai 6.384 14.299 Value Added Tax
82.810 123.298
Entitas Anak Subsidiary
Pajak Penghasilan: Income Tax:
- Pasal 29 160.203 223.924 Article 29 -
- Pasal 21 2.132 2.240 Article 21 -
- Pajak Penghasilan Lainnya 7.870 11.375 Other Income Taxes -
Pajak Pertambahan Nilai 13.883 7.550 Value Added Tax
184.088 245.089
266.898 368.387
c. Beban pajak penghasilan c. Income tax expense
2025 2024*)
Bank Bank
Kini 151.224 - Current
Tangguhan 596.734 542.912 Deferred
Surat Ketetapan Pajak 552 4.152 Tax Assesment Letter
748.510 547.064
Entitas Anak Subsidiary
Kini 424.417 551.949 Current
Tangguhan 14.706 (78.692) Deferred
Surat Ketetapan Pajak 4.099 1.504 Tax Assesment Letter
Penyesuaian tahun sebelumnya 684 810 Prior year adjustment
443.906 475.571
Konsolidasian Consolidated
Kini 575.641 551.949 Current
Tangguhan 611.440 464.220 Deferred
Surat Ketetapan Pajak 4.651 5.656 Tax Assessment Letter
Penyesuaian tahun sebelumnya 684 810 Prior year adjustment
Jumlah 1.192.416 1.022.635 Total
*) Disajikan kembali *) As restated
LAMPIRAN – 5/119 – SCHEDULE
704 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 707
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Rekonsiliasi antara laba sebelum pajak penghasilan, The reconciliation between income before income tax,
seperti yang disajikan dalam laporan laba rugi as shown in the consolidated statements of profit or
konsolidasian, dan penghasilan kena pajak Bank loss of the Bank, and taxable income for the
untuk tahun yang berakhir pada tanggal 31 Desember year ended 31 December 2025 and 2024 is as
2025 dan 2024 adalah sebagai berikut: follows:
2025 2024*)
Laba konsolidasian Consolidated income
sebelum pajak penghasilan 5.386.653 4.717.639 before income tax
Laba sebelum pajak - Entitas Anak (1.341.591) (2.286.371) Income before tax - Subsidiary
Laba akuntansi sebelum pajak Accounting income before tax
(Bank saja - untuk tujuan pajak) 4.045.062 2.431.268 (Bank only - for tax purposes)
Perbedaan temporer: Temporary differences:
- Kerugian penurunan nilai
atas aset dan (40.752) (5.232.135) Impairment losses on assets -
penghapusbukuan pinjaman and loans written off
- Keuntungan yang belum Unrealized Gains from -
direalisasi atas perubahan nilai changes in fair value
wajar efek-efek dan Obligasi of marketable securities
Pemerintah - neto 8.909 (10.640) and Government Bonds - net
- Penyusutan aset tetap (2.331) (76.430) Depreciation of fixed assets -
- Imbalan kerja karyawan 89.669 39.129 Employee benefits -
- Lain-lain 52.048 (7.684) Others -
4.152.605 (5.287.760)
Perbedaan permanen: Permanent differences:
- Lain-lain (628.764) 36.521 Others -
Laba/(rugi) kena pajak 3.523.841 (2.819.971) Taxable income/(losses)
Utilization on fiscal
Utilisasi kompensasi fiskal 2024 (2.836.459) - compensation 2024
Laba kena pajak setelah Taxable income after fiscal
kompensasi kerugian 687.382 - compensation
Beban pajak penghasilan 151.224 - Corporate income tax expense
Dikurangi: Less:
Pajak dibayar dimuka pasal 25 (120.599) (534.878) Prepaid tax article 25
Utang pajak/(pajak dibayar Corporate income tax
dimuka) penghasilan badan 30.625 (534.878) payable/(prepaid income tax)
Sesuai dengan Undang-Undang Perpajakan In accordance with Indonesia Taxation Law,
Indonesia, pajak penghasilan badan dihitung secara Corporate income tax is calculated annually for the
tahunan untuk Bank dan Entitas Anak sebagai entitas Bank and Subsidiary in the understanding that they
hukum yang terpisah. are separate legal entities.
Perhitungan pajak penghasilan badan untuk tahun The above calculation of income tax for the year
yang berakhir pada tanggal 31 Desember 2025 di atas ended 31 December 2025 was a preliminary estimate
adalah suatu perhitungan sementara untuk tujuan for accounting purposes and is subject to change at
akuntansi dan dapat berubah pada waktu Bank the time the Bank submits its Annual Tax Return
menyampaikan Surat Pemberitahuan Tahunan (“SPT”) corporate income tax.
(“SPT”) pajak penghasilan badan.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/120 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 705
Page 708
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Sampai dengan 31 Desember 2025, Bank masih Up to 31 December 2025, The Bank is still
menilai dampak implementasi atas Peraturan assessing the impact on the implementation of the
Pengenaan Pajak Minimum Global (“Pilar Dua”) Global Anti-Base Erosion Model Rules (Pillar Two)
yang telah disahkan oleh Menteri Keuangan which has been effective by the Ministry of Finance
Republik Indonesia No.136 tahun 2024 (PMK-136). of the Republic of Indonesia’s regulation No.136
Bank dan Entitas Anak menerapkan pengecualian Year 2024 (PMK-136). The Bank and Subsidiary
PSAK 212 untuk mengakui dan mengungkapkan are applying the PSAK 212 exception to recognize
informasi tentang asset dan liabilitas pajak and disclose information on deferred tax assets
tangguhan yang terkait dengan pajak penghasilan and liabilities related to the Pillar Two income
pilar dua. Bank meyakini tidak ada dampak pajak taxes. The Bank believe there is no tax effect as
karena simulasi Tingkat Pajak Efektif Pilar Dua Bank the Bank and Subsidiary simulation Pillar Two
dan Entitas Anak lebih dari 15 persen. Effective Tax Rate is more than 15 percent.
Pada tanggal 31 Desember 2025, Bank telah As of 31 December 2025, the Bank has fully utilized
mengkompensasikan seluruh kerugian fiskal. its fiscal losses.
Rekonsiliasi atas beban pajak penghasilan Bank dan The reconciliation between the Bank and Subsidiary
Entitas Anak dengan perkalian laba akuntansi Bank income tax expense and the Bank and Subsidiary
dan Entitas Anak sebelum pajak penghasilan dan accounting profit before tax multiplied by the
tarif pajak yang berlaku adalah sebagai berikut: prevailing tax rate is as follows:
2025 2024*)
Laba konsolidasian 5.386.653 4.717.639 Consolidated income
sebelum pajak penghasilan before income tax
Pendapatan yang dikenakan
pajak final (37.197) (78.569) Income subject to final tax
5.349.456 4.639.070
Pajak dihitung pada tarif pajak 1.176.880 1.020.596 Tax calculated at statutory tax rate
Beban pajak akibat perbedaan Tax expense on permanent
permanen dengan Tarif Pajak 22% 4.067 8.034 difference at 22%
Perbedaan permanen - Entitas Anak 9.761 (12.460) Permanent differences - Subsidiary
Lain-lain 1.708 6.465 Others
Beban pajak penghasilan 1.192.416 1.022.635 Income tax expense
Tarif Pajak Tax Rate
Pada tanggal 29 Oktober 2021, Pemerintah On 29 October 2021, the Government stipulated Law
menetapkan Undang-Undang No.7 Tahun 2021 No.7 Year 2021 on the Harmonization of Tax
tentang Harmonisasi Peraturan Perpajakan Regulations (“HPP Law”). One of the changes in this
(“UU HPP”). Salah satu perubahan dalam UU HPP HPP Law is the Corporate Income Tax rate
ini adalah tarif pajak penghasilan badan yang applicable in 2022 and so forth is 22%.
berlaku di tahun 2022 dan seterusnya adalah 22%.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/121 – SCHEDULE
706 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 709
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank Bank
Pemeriksaan pajak tahun 2016 Tax audit for the fiscal year 2016
Pada bulan November 2019, Bank menerima Surat In November 2019, the Bank received tax
Ketetapan Pajak (“SKP”) untuk tahun fiskal 2016. assessment letters for the fiscal year 2016. Based
Berdasarkan SKP tersebut, Kantor Pajak on the assessment letters, the Tax Office
menetapkan kurang bayar atas Pajak Penghasilan confirmed the underpayment of Article 26
(“PPh”) Pasal 26, PPh Final Pasal 4(2), Pajak Withholding Tax (“WHT”), Final Income Tax (“FIT”)
Pertambahan Nilai (“PPN”), dan PPh Badan dengan Article 4(2), Value Added Tax (“VAT”), and
jumlah keseluruhan Rp310.756. Hasil pemeriksaan Corporate Income Tax (“CIT”) aggregating
tersebut telah disetujui oleh Manajemen Bank, Rp310,756. The result of the audit was agreed by
kecuali ketetapan kurang bayar PPh Badan, PPh the Bank’s Management, except for the
Pasal 26, PPh Final Pasal 4(2) dan PPN masing- assessment on the underpayment of CIT, Article
masing sebesar Rp274.415, Rp4.699, Rp2.591, dan 26 WHT, FIT Article 4(2) and VAT of Rp274,415,
Rp22.357. Pada tanggal 7 Februari 2020, Bank Rp4,699, Rp2,591, and Rp22,357, respectively.
mengajukan surat keberatan atas penetapan pajak On 7 February 2020, the Bank submitted objection
tersebut. Jumlah yang telah dibayarkan sebesar letter on the above tax assessments. The amount
Rp304.062 dicatat sebagai pajak dibayar dimuka. paid of Rp304,062 is recorded as prepaid tax.
Pada Januari 2021, Bank menerima Surat In January 2021, the Bank received Tax Objection
Keputusan Keberatan atas Surat Ketetapan Pajak Decision Letter on VAT Assessment Letter for
PPN masa Januari - Desember 2016, Surat period January - December 2016, CIT Assessment
Ketetapan PPh Badan, dan Surat Ketetapan PPh Letter, and Article 26 WHT and FIT Article 4(2)
Pasal 26 dan PPh Final Pasal 4(2). Dalam Surat Assessment Letter. On the tax objection decision
Keputusan Keberatan tersebut, Kantor Pajak letter, the Tax Office agreed the CIT objection
menyetujui permohonan keberatan pajak PPh amounting Rp73,236 and the Bank has received
Badan Bank sebesar Rp73.236 dan Bank telah the refund on the agreed amount from Tax Office.
menerima pengembalian sejumlah yang disetujui ini
dari Kantor Pajak.
Pada Februari 2021, Bank telah menerima Surat In February 2021, the Bank has received Decision
Keputusan Pengembalian Kelebihan Pembayaran Letter for the Return of VAT Overpayment for the
PPN Masa Oktober 2016 sebesar Rp28 dan Bank Period of October 2016 amounted to Rp28 and the
telah menerima pengembalian sejumlah Rp28 dari Bank has received a payment of Rp28 from the
Kantor Pajak. Tax Office.
Pada Maret 2021, Bank telah mengajukan On March 2021, The Bank has submitted an
permohonan banding ke Pengadilan Pajak atas sisa appeal letter to Tax Court on the underpayment of
ketetapan kurang bayar PPh Badan, PPh Pasal 26, CIT, Article 26 WHT, FIT Article 4(2) and VAT of
PPh Final 4(2) dan PPN masing-masing sebesar, Rp201,179, Rp4,699, Rp2,591 and Rp17,032,
Rp201.179, Rp4.699, Rp2.591 dan Rp17.032 respectively with the total amount of Rp225,501.
dengan jumlah keseluruhan Rp225.501.
Pada Desember 2022, Bank mengajukan On December 2022, the Bank submitted
permohonan pemindahbukuan atas PPN Jasa Luar overbooking request on VAT Offshore on
Negeri sebesar Rp5.297. provision of services amounted to Rp5,297.
LAMPIRAN – 5/122 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 707
Page 710
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank Bank
Pemeriksaan pajak tahun 2016 (lanjutan) Tax audit for the fiscal year 2016 (continued)
Dan pada bulan yang sama Bank telah menerima And in the same month, the Bank has received
surat keputusan Bukti Pemindahbukuan atas PPN Overbooking Decision Letter on VAT Offshore on
Jasa Luar Negeri masa Januari - Desember 2016 provision of service for the period January -
sebesar Rp3.444 yang dipindahbukukan ke angsuran December 2016 amounted to Rp3,444, which will
PPh Pasal 25 masa Januari 2023. Atas selisih antara be overbook to instalment of Income Tax Article 25
pemindahbukuan dan Surat Ketetapan Pajak Kurang for the period of January 2023. On the
Bayar (“SKPKB”) PPN Barang Tidak Berwujud dari discrepancies between the overbooked tax and the
Luar daerah Pabean hasil pemeriksaan pajak tahun 2016 Tax Assessment Letter on VAT of Taxable
2016, sebesar Rp1.853, Bank telah menyetujui untuk Intangible Goods from outside the Customs Area
membukukan selisih tersebut sebagai biaya pajak amounting Rp1,853, the Bank has agreed to
lainnya di Januari 2023. record as other tax expenses in January 2023.
Sampai dengan tanggal pelaporan, upaya hukum Up to the reporting date, the legal action for the
pengajuan banding Bank masih dalam proses. application of the Bank appeal is still in process.
Pemeriksaan pajak tahun 2017 Tax audit for the fiscal year 2017
Pada tanggal 31 Januari 2022, Bank telah menerima On 31 January 2022, the Bank received tax
SKP untuk tahun fiskal 2017. Berdasarkan SKP assessment letters for the fiscal year 2017. Based
tersebut, Kantor Pajak menetapkan kurang bayar atas on the tax assessment letters, the Tax Office
PPh Badan, PPh Final Pasal 4(2), PPh Pasal 21, PPh confirm the underpayment of CIT, FIT Article 4(2),
Pasal 26 dan PPN dengan jumlah keseluruhan Article 21, Article 26 WHT and VAT aggregating
Rp374.257. Hasil pemeriksaan tersebut telah disetujui Rp374,257. The tax audit result was agreed by the
oleh Manajemen Bank, kecuali ketetapan kurang Bank’s Management, except for the assessment
bayar PPh Pasal 26, PPN dan PPh Badan masing- on the underpayment of Article 26 WHT, VAT, and
masing sebesar Rp53.121, Rp25.513 dan Rp290.453. CIT of Rp53,121, Rp25,513 and Rp290,453,
Jumlah yang telah dibayarkan sebesar untuk respectively. The amount paid of Rp369,087 is
Rp369.087 dicatat sebagai pajak dibayar di muka. recorded as prepaid tax. Amount of the tax
Jumlah ketetapan pajak kurang bayar yang disetujui assessment which was agreed by the Bank’s
sebesar Rp5.170 telah dibayarkan dan dibebankan ke Management of Rp5,170 has been paid and it was
laporan laba rugi tahun 2022. Pada tanggal 25 April charged to the 2022 profit or loss. On 25 April
2022 Bank telah mengajukan surat keberatan atas 2022, the Bank submitted objection letter on the
penetapan pajak tersebut. above tax assessments.
Bank menerima Surat Keputusan Keberatan atas The Bank received Objection Decision Letter on
Surat Ketetapan Pajak PPN Masa Juli - Desember VAT Assessment Letter for the period July -
2017 di bulan Januari 2023 dan Surat Keputusan December 2017 in January 2023 and Objection
Keberatan atas Surat Ketetapan Pajak PPN Masa Decision Letter on VAT Assessment Letter for the
Januari - Juni 2017 di bulan Februari 2023. Dalam period January - June 2017 in February 2023. On
Surat Keputusan Keberatan tersebut Kantor Pajak the Objection Decision Letter, the Tax Office only
hanya menyetujui sebagian permohonan keberatan partially agreed on the VAT objection request for
pajak masa Desember 2017 sebesar Rp2.190 dari the period December 2017 amounted to Rp2,190
total permohonan keberatan sebesar Rp25.513 out of the total request amounted to Rp25,513
(termasuk penalti). Bank telah menerima seluruh (including penalty). Bank has received all of the tax
pengembalian pajak atas porsi yang disetujui. Pada refunds on the accepted portion. In March 2023,
bulan Maret 2023, Bank telah mengajukan Bank submitted a refund request on reduction of
permohonan pengembalian atas pengurangan STP Tax Collection Notice for VAT for the period
PPN masa Desember 2017 sebesar Rp152. December 2017 amounting Rp152.
LAMPIRAN – 5/123 – SCHEDULE
708 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 711
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank (lanjutan) Bank (continued)
Pemeriksaan pajak tahun 2017 (lanjutan) Tax audit for the fiscal year 2017 (continued)
Pada bulan Juni 2023, Bank menerima Surat In June 2023, the Bank received a Decision Letter
Keputusan Pengurangan Pajak atas Surat Tagihan on Waiver/Reduction Tax Sanction for VAT for the
Pajak PPN Masa Desember 2017 sebesar Rp152 period of December 2017 amounted to Rp152
sehingga pada bulan Juli 2023 Bank telah menerima therefore in July 2023 the Bank received a tax
pengembalian pajak atas Keputusan Pengurangan refund on the Decision on Waiver/Reduction Tax
Pajak tersebut sebesar Rp152. Pada bulan April 2023, Sanction amounted to Rp152. In April 2023,
Bank telah mengajukan permohonan banding ke the Bank filed an appeal request for the rejected
Pengadilan Pajak atas porsi keberatan kurang bayar portion of the underpayment VAT for the period of
PPN masa Januari - Desember 2017 yang ditolak January - December 2017 amounted to Rp23,171.
sebesar Rp23.171.
Pada bulan Maret 2023, Bank menerima Surat In March 2023, the Bank received Objection
Keputusan Keberatan atas Surat Ketetapan Pajak Decision Letter on CIT Assessment Letter and
PPh Badan dan PPh Pasal 26 Tahun Pajak 2017. Article 26 WHT for Fiscal Year 2017. On the
Dalam surat keputusan keberatan tersebut Kantor objection decision, the Tax Office only partially
Pajak hanya menyetujui sebagian permohonan agreed on CIT objection request amounted to
keberatan pajak PPh Badan sebesar Rp1.792 dari Rp1,792 out of the total request amounted to
total permohonan keberatan sebesar Rp290.453 dan Rp290,453 and rejected all the Bank’s objection
menolak seluruh keberatan pajak atas PPh Pasal 26 requests on Article 26 WHT amounted to
Bank sebesar Rp53.121. Rp53,121.
Pada Mei 2023, Bank telah menerima pengembalian In May 2023, the Bank received a tax refund
pajak tersebut sebesar Rp1.792. Pada bulan Juni amounted to Rp1,792. In June 2023,
2023, Bank telah mengajukan permohonan banding the Bank filed an appeal request to Tax Court on
ke Pengadilan Pajak atas keputusan keberatan PPh the rejected objection decision for CIT and Article
Badan dan PPh Pasal 26 yang ditolak sebesar 26 WHT amounted to Rp288,661 and Rp53,121.
Rp288.661 dan Rp53.121.
Pada bulan Juni 2024, Pengadilan Pajak In June 2024, Tax Court has partially granted the
mengabulkan sebagian permohonan banding Bank Bank's appeal request for underpayment of
kurang bayar PPh Badan sebesar Rp275.523 dan Corporate Income Tax amounted to Rp275,523
PPN sebesar Rp12.285, serta menerima seluruh and VAT amounted to Rp12,285, and granted all
permohonan banding Bank atas kurang bayar PPh of the Bank's appeal requests for underpayment
Pasal 26 sebesar Rp53.121. Bank telah menerima of Article 26 WHT amounted to Rp53,121. The
pengembalian sejumlah Rp340.929 dari Kantor Pajak. Bank has received payment of Rp340,929 from
Pada bulan September 2024, Kantor Pajak telah the Tax Office. In September 2024, Tax Office has
mengajukan permohonan Peninjauan Kembali ke submitted Judicial Review to Supreme Court on
Mahkamah Agung atas PPh Badan dan PPN yang corporate income tax and VAT initially granted by
semula dikabulkan oleh Pengadilan Pajak masing- Tax Court amounted to Rp272,264 and Rp10,089,
masing sebesar Rp272.264 dan Rp10.089. Pada respectively. In October 2024, in response of
bulan Oktober 2024, atas pengajuan peninjauan Judicial Review submitted by the Tax Office, the
kembali oleh Kantor Pajak tersebut, Bank mengajukan Bank has submitted Counter Judicial Review to
Kontra Memori Peninjauan Kembali ke Mahkamah Supreme Court. In June - October 2025, Supreme
Agung. Pada bulan Juni - Oktober 2025, Mahkamah Court gradually rejected Tax Office’s Judicial
Agung secara bertahap menerbitkan Putusan menolak Review request for VAT with the total amount
permohonan peninjauan kembali Kantor Pajak untuk Rp10,089. Up to the reporting date, the legal
PPN dengan total Rp10.089. Sampai dengan tanggal action counter judicial review for CIT is still in
pelaporan, upaya hukum Pengajuan Kontra Memori process.
Peninjauan Kembali PPh Badan masih dalam proses.
LAMPIRAN – 5/124 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 709
Page 712
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank (lanjutan) Bank (continued)
Pemeriksaan pajak tahun 2017 (lanjutan) Tax audit for the fiscal year 2017 (continued)
Pada bulan September 2024, atas putusan pengadilan In September 2024, based on Tax Court decision,
pajak yang belum mengabulkan permohonan banding which was not granted yet, the Bank filed a
Bank, Bank mengajukan permohonan Peninjauan Memorandum for Judicial Review to the Supreme
Kembali ke Mahkamah Agung atas PPh Badan dan Court on the corporate income tax and VAT
PPN masing-masing sebesar Rp13.138 dan amounting to Rp13,138 and Rp10,886,
Rp10.886. Pada bulan Juni - Desember 2025, respectively. In June - December 2025, the
Mahkamah Agung secara bertahap menerbitkan Supreme Court gradually granted the Bank's
Putusan mengabulkan permohonan Peninjauan Judicial Review request for VAT January, March,
Kembali Bank untuk PPN masa pajak Januari, Maret, April, May, June, July, September, October 2017
April, Mei, Juni, Juli, September, Oktober 2017 dengan with the total amount Rp4,838. In September 2025,
total Rp4.838. Pada bulan September 2025, Bank the Bank received tax refund from Supreme
telah menerima pengembalian pajak atas Putusan Court’s result of VAT June and July amounted
PPN Juni dan Juli sebesar Rp530. Pada bulan Januari Rp530. In January 2026, the Supreme Court fully
2026, Mahkamah Agung menerbitkan Putusan granted the Bank's Judicial Review request for CIT.
mengabulkan permohonan Peninjauan Kembali Bank Up to the reporting date, the legal action judicial
untuk PPh Badan. Sampai dengan tanggal pelaporan, review for the remaining period of VAT is still in
upaya hukum permohonan Peninjauan Kembali PPN process.
masa pajak lainnya masih dalam proses.
Pemeriksaan pajak tahun 2018 Tax audit for the fiscal year 2018
Pada bulan Maret 2023, Bank menerima Surat In March 2023, the Bank received a Tax Audit
Perintah Pemeriksaan Pajak untuk Tahun Pajak 2018. Notification Letter for Fiscal Year 2018. In October
Pada Oktober 2023, Bank telah menerima SKP untuk 2023, the Bank received tax assessment letters for
tahun pajak 2018. Berdasarkan SKP tersebut, Kantor the fiscal year 2018. Based on the tax assessment
Pajak menetapkan kurang bayar atas PPh Badan dan letters, the Tax Office confirms the underpayment
PPN masing-masing Rp333.356 dan Rp9.104, serta of CIT and VAT amounted to Rp333,356 and
PPh Pasal 21 dan PPh Pasal 23 dengan jumlah pajak Rp9,104, respectively, also Article 21 and Article
kurang bayar sebesar Rp1.022. Manajemen Bank 23 WHT with the total tax underpayment amounted
telah menyetujui kurang bayar PPh Pasal 21 dan PPh to Rp1,022. The Bank’s Management agreed with
Pasal 23 sebesar Rp1.022 serta sebagian PPh Badan the tax underpayment of Article 21 and Article 23
dan sebagian PPN dengan jumlah masing-masing WHT amounted to Rp1,022 and also partially
Rp4.767 dan Rp190 telah dibayar pada November agreed with the CIT and VAT underpayment
2023 yang dicatat pada laba/rugi tahun 2023. Atas amounted to Rp4,767 and Rp190, respectively.
jumlah kurang bayar sebagian PPh Badan dan The agreed underpayment was paid in November
sebagian PPN yang tidak disetujui masing-masing 2023 and it was charged to the 2023 profit or loss.
sebesar Rp328.589 dan Rp8.914 telah dibayar pada The partially disagreed tax underpayment on CIT
November 2023 yang dicatat pada uang muka pajak. and VAT amounted to Rp328,589 and Rp8,914
was paid in November 2023 and recorded as
prepaid tax.
Pada bulan Januari 2024, Bank telah mengajukan In January 2024, the Bank submitted an objection
surat keberatan atas jumlah yang tidak disetujui letter to the partially disagreed amount in the CIT
sebagian pada SKP PPh Badan dan PPN masing- and VAT assessment letter amounted to
masing sejumlah Rp328.589 dan Rp8.914. Pada Rp328,589 and Rp8,914, respectively. In October
Oktober dan Desember 2024, Bank menerima Surat and December 2024, the Bank received Objection
Keputusan Keberatan atas Surat Ketetapan Pajak Decision Letter on VAT and CIT. On the objection
PPN PPh Badan. Dalam Surat Keputusan Keberatan decision, the Tax Office rejected all objection
tersebut, Kantor Pajak menolak seluruh permohonan request for VAT and CIT. On January and March
keberatan untuk PPN dan PPh Badan. Pada bulan 2025, the Bank filed an appeal request to Tax
Januari dan Maret 2025, Bank telah mengajukan Court for CIT and VAT amounted to
permohonan banding ke Pengadilan Pajak atas PPh Rp328,589 and Rp8,914 respectively.
Badan dan PPN masing-masing sebesar Rp328.589
dan Rp8.914.
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710 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 713
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank (lanjutan) Bank (continued)
Pemeriksaan pajak tahun 2018 (lanjutan) Tax audit for the fiscal year 2018 (continued)
Pada bulan Desember 2025, Pengadilan Pajak In December 2025, Tax Court rejected the Bank’s
menolak seluruh permohonan banding Bank atas PPN appeal requests on VAT amounted Rp8,914. The
sebesar Rp8.914. Bank berencana mengajukan Bank plans to submit judicial review letters to
peninjauan kembali ke Mahkamah Agung untuk PPN. Supreme Court on VAT. Up to the reporting date,
Sampai dengan tanggal pelaporan, upaya hukum the legal action for the application of Bank appeal
pengajuan banding Bank untuk PPh Badan masih on CIT is still in process.
dalam proses.
Pemeriksaan pajak tahun 2019 Tax audit for the fiscal year 2019
Pada bulan November 2023, Bank menerima Surat In November 2023, the Bank received a Tax Audit
Perintah Pemeriksaan Pajak untuk Tahun Pajak 2019. Notification Letter for Fiscal Year 2019. In May
Pada bulan Mei 2024, Bank telah menerima SKP 2024, the Bank received tax assessment letters for
untuk Tahun Pajak 2019. Berdasarkan SKP tersebut, the Fiscal Year 2019. Based on the tax
Kantor Pajak menetapkan kurang bayar atas PPh assessment letters, the Tax Office confirms the
Badan, PPh Final Pasal 4(2), PPh Pasal 21, PPh Pasal underpayment of CIT, FIT Article 4(2), Article 21,
23, dan PPN dengan jumlah keseluruhan Rp507.655. Article 23, and VAT totaling Rp507,655. The tax
Hasil pemeriksaan tersebut telah disetujui oleh Bank, audit result was agreed by the Bank, except for
kecuali sebagian ketetapan kurang bayar PPh Badan some assessment on the underpayment of CIT
dan PPN masing-masing sebesar Rp475.477 dan and VAT of Rp475,477 and Rp25,310,
Rp25.310. Jumlah yang telah dibayarkan sebesar respectively. The amount paid of Rp500,787 is
Rp500.787 dicatat sebagai pajak dibayar dimuka, recorded as prepaid tax, while the underpayment
sedangkan jumlah ketetapan pajak kurang bayar of assessment letter of CIT, VAT and other taxes
untuk sebagian PPh Badan, PPN dan pajak lainnya amounted to Rp3,244, Rp82 and Rp3,542 has
yang disetujui masing-masing sebesar Rp3.244, Rp82 been paid and it was charged to the 2024 profit and
dan Rp3.542 telah dibayarkan dan dibebankan ke loss. Up to the reporting date, the Bank plans to
laporan laba rugi tahun 2024. submit a tax objection.
Pada bulan Agustus 2024, Bank telah mengajukan In August 2024, the Bank submitted an objection
surat keberatan atas jumlah yang tidak disetujui letter to the partially disagreed amount in the CIT
sebagian pada SKP PPh Badan dan PPN masing- and VAT assessment letter amounted to
masing sejumlah Rp475.477 dan Rp25.310. Pada Rp475,477 and Rp25,310, respectively. In May
bulan Mei 2025, Bank menerima surat Keputusan 2025, the Bank received Objection Decision Letter
Keberatan atas PPh Badan yang menyetujui sebagian which agreed the Bank's objection letter on CIT
permohonan keberatan Bank sebesar Rp4.258 amounted to Rp4,258, thus the amount disagreed
sehingga jumlah yang tidak disetujui oleh Bank semula by the Bank previously Rp475,477 became
Rp475.477 menjadi sebesar Rp471.219. Bank juga Rp471,219. The Bank also received Objection
menerima surat Keputusan Keberatan atas PPN yang Decision Letters that fully rejected the Bank's
menolak seluruh permohonan keberatan Bank objection letter on VAT, so the amount disagreed
sehingga jumlah yang tidak disetujui oleh Bank tetap by the Bank is still Rp25,310. In June 2025, the
sebesar Rp25.310. Pada bulan Juni 2025, Bank telah Bank received a tax refund of Rp4,258 for the
menerima pengembalian pajak sejumlah Rp4.258 atas Corporate Income Tax objection that was
permohonan keberatan PPh Badan yang disetujui oleh approved by the Tax Office. In August 2025, the
Kantor Pajak. Pada bulan Agustus 2025, Bank telah Bank submitted appeal letters on Objection
mengajukan surat banding atas Keputusan Keberatan Decision Letters for CIT and VAT of Rp471,219
PPh Badan dan PPN masing-masing sebesar and Rp25,310, respectively. Up to the reporting
Rp471.219 dan Rp25.310. Sampai dengan tanggal date, the legal action for the application of the Bank
pelaporan, upaya hukum pengajuan banding Bank appeal is still in process.
masih dalam proses.
LAMPIRAN – 5/126 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 711
Page 714
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank (lanjutan) Bank (continued)
Pemeriksaan pajak tahun 2020 Tax audit for the fiscal year 2020
Pada bulan Agustus 2025, Bank menerima Surat In August 2025, the Bank received a Tax Audit
Perintah Pemeriksaan Pajak untuk Tahun Pajak 2020. Notification Letter for Fiscal Year 2020. In
Pada bulan November 2025, Bank telah menerima November 2025, the Bank received tax
SKP untuk Tahun Pajak 2020. Berdasarkan SKP assessment letters for the Fiscal Year 2020. Based
tersebut, Kantor Pajak menetapkan kurang bayar atas on the tax assessment letters, the Tax Office
PPh Badan dan PPN masing-masing sebesar confirms the underpayment of CIT and VAT
Rp88.463 dan Rp25.926, serta PPh Final Pasal 4(2) amounted to Rp88,463 and Rp25,926,
dan PPh Pasal 23, dengan jumlah kurang bayar respectively, also the underpayment of FIT Article
masing-masing sebesar Rp82 dan Rp36. 4(2) and Article 23 amounted to Rp82 and Rp36,
respectively.
Manajemen Bank telah menyetujui kurang bayar PPh The Bank’s Management agreed with the tax
Final Pasal 4(2) dan PPh Pasal 23 masing-masing underpayment of FIT Article 4(2) and WHT Article
sebesar Rp82 dan Rp36 serta sebagian PPh Badan 23 amounted to Rp82 and Rp36, respectively also
dan sebagian PPN dengan jumlah masing-masing partially agreed with the CIT and VAT
sebesar Rp136 dan Rp36 telah dibayar pada underpayment amounted to Rp136 and Rp36,
Desember 2025 yang dicatat pada laba/rugi tahun respectively. The agreed underpayment was paid
2025. Atas jumlah kurang bayar sebagian PPh Badan in December 2025, and it was charged to the 2025
dan sebagian PPN yang tidak disetujui masing-masing profit or loss. The partially disagreed tax
sebesar Rp88.327 dan Rp25.890 telah dibayar pada underpayment on CIT and VAT amounted to
Desember 2025 yang dicatat pada uang muka pajak. Rp88,327 and Rp25,890 was paid in December
Sampai dengan tanggal pelaporan, Bank berencana 2025 and recorded as prepaid tax. Up to the
mengajukan keberatan. reporting date, the Bank plans to submit objection
letter.
Pemeriksaan pajak tahun 2021 Tax audit for the fiscal year 2021
Pada bulan Agustus 2025, Bank menerima Surat In August 2025, the Bank received a Tax Audit
Perintah Pemeriksaan Pajak untuk Tahun Pajak 2021. Notification Letter for Fiscal Year 2021. Up to the
Sampai dengan tanggal pelaporan, Pemeriksaan reporting date, the Tax Audit is still in process.
Pajak masih dalam proses.
Pemeriksaan pajak tahun 2022 Tax audit for the fiscal year 2022
Pada bulan Juni 2023, Bank menerima Surat Perintah In June 2023, the Bank received a Tax Audit
Pemeriksaan Pajak untuk Tahun Pajak 2022. Pada Notification Letter for Fiscal Year 2022. In April
bulan April 2024, Bank menerima SKP untuk Tahun 2024, the Bank received a tax assessment letter
Pajak 2022. Berdasarkan SKP tersebut, Kantor Pajak for the Fiscal Year 2022. Based on the tax
menetapkan lebih bayar PPh Badan sebesar assessment letters, the Tax Office confirms the
Rp169.687 dari semula sesuai surat pemberitahuan CIT overpayment of Rp169,687 from the initial as
sebesar Rp208.453 dan kurang bayar PPh Pasal 23 per Tax Return of Rp208,453, and Article 23 WHT,
dan PPN masing-masing Rp96 dan Rp38.934. and VAT underpayment of Rp96 and Rp38,934,
respectively.
LAMPIRAN – 5/127 – SCHEDULE
712 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 715
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank (lanjutan) Bank (continued)
Pemeriksaan pajak tahun 2022 (lanjutan) Tax audit for the fiscal year 2022 (continued)
Pada bulan Mei 2024, Bank telah menerima In May 2024, the Bank received a refund for CIT
pengembalian pajak atas PPh Badan sebesar amounted to Rp169,687, while the rest of
Rp169.687, sementara sisanya lebih bayar yang overpayment which not accepted by the Bank
masih belum disetujui Bank sebesar Rp37.858 masih amounted to Rp37,858 is still recorded as prepaid
tercatat sebagai uang muka pajak. Bank telah tax. The Bank agreed with Article 23 WHT, CIT,
menyetujui kurang bayar PPh 23, PPh Badan, dan and VAT with a total of Rp96, Rp908 and Rp278,
PPN dengan jumlah masing-masing Rp96 dan Rp908 respectively that has been paid and charged to the
serta PPN sebesar Rp278 telah dibayar dan 2024 profit or loss. The partially disagreed VAT
dibebankan pada laba rugi tahun 2024. Atas jumlah underpayment of Rp38,656 was paid in May 2024
kurang bayar sebagian PPN yang tidak disetujui and recorded as prepaid tax. In July 2024, the
sebesar Rp38.656 telah dibayar pada Mei 2024 dan Bank submitted an objection letter to the partially
dicatat pada uang muka pajak. Pada bulan Juli 2024, disagreed amount in the CIT and VAT assessment
Bank telah mengajukan surat keberatan atas jumlah letter amounted to Rp37,858 and Rp38,656,
yang tidak disetujui sebagian pada SKP PPh Badan respectively.
dan PPN masing-masing sejumlah Rp37.858 dan
Rp38.656.
Pada bulan Maret 2025, Bank menerima Surat In March 2025, the Bank received Objection
Keputusan Keberatan atas PPh Badan dan PPN yang Decision Letters on CIT and VAT which partially
menyetujui sebagian permohonan keberatan Bank agreed the Bank Objection Letters amounted to
masing-masing sebesar Rp11.980 dan Rp1.057. Rp11,980 and Rp1.057, respectively. Therefore,
Sehingga jumlah pajak yang tidak disetujui Bank the disagreed amount by Bank become Rp25,878
masing-masing menjadi sebesar Rp25.878 dan and Rp37,599, respectively. In April and May
Rp37.599. Pada bulan April dan Mei 2025, Bank telah 2025, Bank partially received Tax Refund for Tax
menerima sebagian pengembalian pajak atas SKP Assessment Letter on CIT and VAT amounted to
PPH Badan dan PPN masing-masing sebesar Rp11,980 and Rp1,057, respectively.
Rp11.980 dan Rp1.057.
Pada bulan Juni 2025, Bank telah mengajukan surat In June 2025, the Bank submitted appeal letters on
banding atas Keputusan Keberatan PPh Badan dan Objection Decision Letters for CIT and VAT. Up to
PPN. Sampai dengan tanggal pelaporan, upaya the reporting date, the legal action for the
hukum pengajuan banding Bank masih dalam proses. application of Bank appeal is still in process.
Pemeriksaan pajak tahun 2023 Tax audit for the fiscal year 2023
Pada bulan Juli 2024, Bank menerima Surat Perintah In July 2024, the Bank received a Tax Audit
Pemeriksaan Pajak untuk Tahun Pajak 2023. Pada Notification Letter for Fiscal Year 2023. In April
bulan April 2025, Bank telah menerima SKP untuk 2025, the Bank received tax assessment letter for
Tahun Pajak 2023. Berdasarkan SKP tersebut, Kantor the Fiscal Year 2023. Based on the tax
Pajak menetapkan lebih bayar PPh Badan sebesar assessment letters, the tax office confirms the
Rp272.155 dari nilai semula yang dilaporkan pada underpayment of CIT overpayment of Rp272,155
Surat Pemberitahuan sebesar Rp343.150 dan kurang from initial as per Tax Return of Rp343,150 and
bayar PPh Pasal 21 dan PPh Pasal 23 serta PPN Article 21, Article 23 and VAT amounted to Rp37,
masing-masing Rp37, Rp134 dan Rp14.885. Rp134 and Rp14,885, respectively.
Berdasarkan hasil pemeriksaan tersebut, pada April Based on the results of the audit, in April 2025, the
2025, atas selisih jumlah lebih bayar PPh Badan difference in the amount of overpayment of CIT of
sebesar Rp70.995, sebesar Rp416 telah dibebankan Rp70,995, which amounted to Rp416 was charged
pada laporan laba rugi tahun 2025. Dan atas pajak to the 2025 profit or loss. And the underpayment of
kurang bayar PPh pasal 21, PPh pasal 23 dan Article 21, Article 23 and part of the VAT of Rp37,
sebagian PPN masing-masing sebesar Rp37, Rp134 Rp134 and Rp4,411, respectively have been paid
dan Rp4.411 telah dibayarkan dan dibebankan pada and charged to the 2025 profit or loss.
laporan laba rugi tahun 2025.
LAMPIRAN – 5/128 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 713
Page 716
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank (lanjutan) Bank (continued)
Pemeriksaan pajak tahun 2023 (lanjutan) Tax audit for the fiscal year 2023 (continued)
Pada bulan Juni 2025, Bank telah mengajukan surat In June 2025, the Bank submitted objection letters
keberatan atas PPh Badan dan PPN masing-masing on CIT and VAT assessment letter amounted to
sebesar Rp70.579 dan Rp10.474. Pada bulan Januari Rp70,579 and Rp10,474, respectively. In January
2026, Bank menerima surat Keputusan Keberatan 2026, the Bank received Objection Decision Letter
atas PPh Badan yang menyetujui sebagian which agreed the Bank's objection letter on CIT
permohonan keberatan Bank sebesar Rp3.620 amounted to Rp3,620, thus the amount disagreed
sehingga jumlah yang tidak disetujui oleh Bank semula by the Bank previously Rp70,579 became
Rp70.579 menjadi sebesar Rp66.959. Bank juga Rp66,959. The Bank also received Objection
menerima surat Keputusan Keberatan atas PPN yang Decision Letters that fully rejected the Bank's
menolak seluruh permohonan keberatan Bank objection letter on VAT, so the amount disagreed
sehingga jumlah yang tidak disetujui oleh Bank tetap by the Bank is still Rp10,474. Up to the reporting
sebesar Rp10.474. Sampai dengan tanggal date, the Bank plans to submit appeal letter.
pelaporan, Bank berencana mengajukan banding.
Pemeriksaan pajak tahun 2024 Tax audit for the fiscal year 2024
Pada bulan Juni 2025, Bank menerima Surat Perintah In June 2025, the Bank received a Tax Audit
Pemeriksaan Pajak untuk Tahun Pajak 2024. Sampai Notification Letter for Fiscal Year 2024. Up to the
dengan tanggal pelaporan, Pemeriksaan Pajak masih reporting date, the Tax Audit is still in process.
dalam proses.
BNP BNP
Pada saat tanggal penggabungan usaha, BNP masih At the merger date, BNP still had several
memiliki beberapa proses banding yang berjalan yang outstanding appeals processes which transfer to
dialihkan kepada Bank atas hasil pemeriksaan pajak the Bank on the results of tax audits for fiscal years
untuk tahun fiskal 2013 sampai dengan 2017 dengan 2013 through 2017 with a total tax appeal of
total permohonan banding pajak sebesar Rp33.368. Rp33,368. For the above outstanding items, BNP
Atas proses yang masih berjalan tersebut, BNP telah has recorded prepaid tax of Rp5,733 consisting of
membukukan pajak dibayar dimuka sebesar Rp5.733 2016 and 2017 tax audit of Rp5,364 and Rp369,
terdiri dari pemeriksaan pajak tahun 2016 dan respectively. In July 2024 and February 2025, the
pemeriksaan pajak tahun 2017 masing-masing Bank received a refund of 2017 and 2016 prepaid
Rp5.364 dan Rp369. Pada Juli 2024 dan Februari tax of Rp369 and Rp2,721, respectively. Based on
2025, Bank telah menerima pengembalian uang muka the results of the Tax Court's decision, the
pajak tahun 2017 dan tahun 2016 masing-masing difference of Rp2,643 has been deducted from the
sebesar Rp369 dan Rp2.721. Berdasarkan hasil prepaid tax.
putusan pengadilan pajak tersebut, atas selisih
sejumlah Rp2.643 telah dikurangkan dari uang muka
pajak.
Sampai dengan tanggal pelaporan, berikut dibawah ini Up to the reporting date, the following are the
perkembangan dari proses banding tersebut: progress on BNP’s tax appeal:
Pemeriksaan Pajak tahun 2013 Tax audit for the fiscal year 2013
Pada bulan Maret 2024, Pengadilan Pajak In March 2024, Tax Court granted all appeals
mengabulkan seluruh permohonan banding Bank atas submitted by the Bank on CIT and VAT amounted
PPh Badan dan PPN masing-masing sebesar to Rp1,298 and Rp4,786, respectively. Therefore,
Rp1.298 dan Rp4.786. Sehingga tidak ada pajak yang there is no Tax Underpayment.
kurang dibayar oleh BNP.
LAMPIRAN – 5/129 – SCHEDULE
714 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 717
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Bank (lanjutan) Bank (continued)
BNP (lanjutan) BNP (continued)
Pemeriksaan Pajak tahun 2013 (lanjutan) Tax audit for the fiscal year 2013 (continued)
Pada bulan Juni 2024, Bank menerima Pengajuan In June 2024, the Bank received the application for
Peninjauan Kembali dari Kantor Pajak atas PPh Badan Judicial Review from Tax Office on CIT of
sebesar Rp1.298. Pada bulan Juli 2024, Bank Rp1,298. In July 2024, the Bank submitted counter
mengajukan kontra memori Peninjauan Kembali Judicial Review to Supreme Court. In August 2025,
kepada Mahkamah Agung. Pada bulan Agustus 2025, the Bank received Supreme Court Decision which
Bank menerima Putusan Mahkamah Agung yang fully rejected Tax Office’s Judicial Review.
menolak permohonan Peninjauan Kembali Kantor Therefore, there is no Tax Underpayment. Up to
Pajak. Sehingga, tidak ada pajak yang kurang dibayar the reporting date, all the tax litigation process for
oleh BNP. Sampai dengan tanggal pelaporan, seluruh BNP fiscal year 2013 has been completed.
proses litigasi pajak untuk BNP tahun pajak 2013 telah
selesai.
Pemeriksan Pajak tahun 2014 Tax audit for the fiscal year 2014
Pada bulan Maret 2024, Pengadilan Pajak In March 2024, Tax Court granted all appeals
mengabulkan seluruh permohonan banding Bank atas submitted by the Bank on CIT amounted Rp1,212.
PPh Badan sejumlah Rp1.212. Sehingga tidak ada Therefore, there were no taxes underpaid by the
pajak yang kurang dibayar oleh Bank atas PPh Badan. Bank for CIT. The Tax Court partially granted the
Pengadilan Pajak mengabulkan sebagian appeals on VAT with the initial tax underpayment
permohonan banding PPN dengan jumlah pajak yang of Rp2,515 to Rp2,511. The Bank did not file a
kurang dibayar semula Rp2.515 menjadi Rp2.511. request for Judicial Review with Supreme Court
Bank tidak mengajukan Peninjauan Kembali ke regarding Tax Court decision.
Mahkamah Agung atas hasil Putusan Pengadilan
Pajak tersebut.
Pada bulan Juni 2024, Bank menerima Pengajuan In June 2024, the Bank received the application for
Peninjauan Kembali dari Kantor Pajak atas PPh Badan Judicial Review from Tax Office for the
sebesar Rp1.212. Pada bulan Juli 2024, Bank underpayment of CIT of Rp1,212. In July 2024, the
mengajukan kontra memori Peninjauan Kembali Bank submitted counter Judicial Review to
kepada Mahkamah Agung. Pada bulan Juni 2025, Supreme Court. In June 2025, the Bank received
Bank menerima Putusan Mahkamah Agung yang Supreme Court Decision which fully rejected Tax
menolak permohonan Peninjauan Kembali Kantor Office’s Judicial Review. Therefore, there is no Tax
Pajak. Sehingga, tidak ada pajak yang kurang dibayar Underpayment. Up to the reporting date, all the tax
oleh BNP. Sampai dengan tanggal pelaporan, seluruh litigation process for BNP fiscal year 2014 has
proses litigasi pajak untuk BNP tahun pajak 2014 telah been completed.
selesai.
Pemeriksaan pajak tahun 2016 Tax audit for the fiscal year 2016
Pada Desember 2024, Pengadilan Pajak In December 2024, Tax Court has partially granted
mengabulkan sebagian permohonan banding BNP BNP’s appeal for VAT and other income tax
untuk PPN dan PPh lainnya menjadi sebesar Rp124 amounted to Rp124 from Rp2,635 and change the
dari semula Rp2.635 serta mengubah lebih bayar PPh overpayment of CIT amounted to Rp12,488 from
Badan menjadi sebesar Rp12.488 dari semula Rp15,737. The Bank did not take further legal
Rp15.737. Bank tidak melakukan upaya hukum action regarding the tax court verdict. Up to the
lanjutan atas putusan Pengadilan Pajak tersebut. reporting date, all the tax litigation process for BNP
Sampai dengan tanggal pelaporan, seluruh proses fiscal year 2016 has been completed.
litigasi pajak untuk BNP tahun pajak 2016 telah
selesai.
LAMPIRAN – 5/130 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 715
Page 718
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Entitas Anak Subsidiary
ADMF ADMF
Pemeriksaan pajak tahun 2017 Tax audit for the fiscal year 2017
Pada tanggal 28 Juni 2022, ADMF menerima SKP On 28 June 2022, ADMF received Tax
untuk tahun fiskal 2017. Berdasarkan SKP tersebut, Assessment Letters for the fiscal year 2017. Based
Kantor Pajak menetapkan kurang bayar atas PPh on the Assessment Letters, the Tax Office
Pasal 21, PPh Pasal 23/26, PPN, dan Pajak confirmed the underpayment of Article 21 Income
Penghasilan Badan dengan jumlah keseluruhan Tax, Withholding Tax Articles 23/26, VAT, and
Rp28.324 yang di dalamnya terdapat porsi lebih bayar Corporate Income Tax aggregating Rp28,324
PPh Badan Rp14.909 yang disetujui oleh Kantor which include Corporate Income Tax overpayment
Pajak. ADMF setuju dengan koreksi lebih bayar PPh of Rp14,909 agreed by Tax Office. ADMF agreed
Badan sebesar Rp14.909 dan koreksi kurang bayar with correction on Corporate Income Tax
PPh Pasal 21, PPh Pasal 23/26, PPN Luar Negeri overpayment of Rp14,909 and correction on
sebesar Rp1.274. Article 21, Article 23/26, Overseas VAT
underpayment of Rp1,274.
Pada tanggal 31 Agustus 2022, ADMF mengajukan On 31 August 2022, ADMF has submitted the
keberatan atas sisa ketetapan kurang bayar Pajak objection on Corporate Income Tax underpayment
Penghasilan Badan sebesar Rp17.278 dan ketetapan of Rp17,278 and VAT underpayment of Rp24,681
kurang bayar PPN sebesar Rp24.681 (termasuk (including penalties). For VAT case, on 30 March
denda). Untuk kasus PPN, pada tanggal 30 Maret 2023, ADMF has received Objection Decision
2023, ADMF telah menerima Keputusan Keberatan reducing the VAT Payable from Rp24,681 to
yang isinya mengurangkan PPN terutang dari Rp21,976. For CIT case, on 2 May 2023, ADMF
Rp24.681 menjadi Rp21.976. Untuk kasus PPh has received Objection Decision that granted part
Badan, pada tanggal 2 Mei 2023, ADMF telah of the ADMF’s objection amounted to Rp12,791
menerima Keputusan Keberatan yang isinya out of a total request amounted to Rp17,278.
mengabulkan sebagian permohonan keberatan ADMF has received tax refund from the portion of
sebesar Rp12.791 dari total permohonan sebesar CIT and VAT that was granted during the objection
Rp17.278. ADMF telah menerima pengembalian pajak process. For rejected portion on CIT Case of
dari porsi PPh Badan dan PPN yang dikabulkan pada Rp4,487, ADMF agreed with CIT objection
proses keberatan. Atas porsi PPh Badan yang ditolak decision amounted to Rp388 which was charged
keberatannya sebesar Rp4.487, ADMF menyetujui to the statement profit or loss on June 2023.
sebagian keputusan keberatan sebesar Rp388 yang
sudah dibebankan ke laporan laba rugi Juni 2023.
Pada tanggal 14 Juni 2023, ADMF mengajukan On 14 June 2023, ADMF filed an appeal request
banding untuk kasus PPh Badan sebesar Rp4.099 dan to Tax Court for the CIT case of Rp4,099 and the
kasus PPN sebesar Rp21.976. Pada tanggal VAT case of Rp21,976. On 15 May 2024, the Tax
15 Mei 2024, Pengadilan Pajak memutuskan sengketa Court decided on ADMF CIT and VAT dispute. In
PPh Badan dan PPN ADMF. Dalam Putusan the Tax Court's Decision for the CIT case for Fiscal
Pengadilan Pajak untuk kasus PPh Badan Tahun Year 2017, the Panel of Judges rejected ADMF’s
Pajak 2017, Majelis Hakim menolak permohonan appeal amounted to Rp4,099. In the Tax Court's
banding ADMF sebesar Rp4.099. Dalam Putusan Decision for the VAT case, the Panel of Judges
Pengadilan Pajak untuk kasus PPN, Majelis Hakim rejected ADMF's appeal amounted to Rp21,976.
menolak permohonan banding ADMF sebesar
Rp21.976.
Pada tanggal 19 Juli 2024, ADMF mengajukan On 19 July 2024, ADMF has submitted a Judicial
Permohonan Peninjauan Kembali atas kasus PPh Review to Supreme Court for CIT case of Rp4,099
Badan sebesar Rp4.099 dan kasus PPN sebesar and VAT case of Rp21,976 which was rejected by
Rp21.976 yang ditolak oleh Majelis Hakim. the Panel of Judges.
LAMPIRAN – 5/131 – SCHEDULE
716 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 719
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
ADMF (lanjutan) ADMF (continued)
Pemeriksaan pajak tahun 2017 (lanjutan) Tax audit for the fiscal year 2017 (continued)
ADMF telah menerima Putusan Mahkamah Agung ADMF has received Supreme Court Decisions that
yang isinya mengabulkan Permohonan Peninjauan granted the Judicial Review of VAT case and reject
Kembali atas kasus PPN dan menolak Permohonan the Judicial Review of CIT case. ADMF has
Peninjauan Kembali atas kasus PPh Badan. ADMF received tax refund on the granted portion for the
telah menerima pengembalian pajak untuk Masa period June, July, August, October, November,
Pajak Juni, Juli, Agustus, Oktober, November dan and December 2017 amounted to Rp17,419 and
Desember 2017 sebesar Rp17.419 dan atas putusan for the rejected CIT case amounting to Rp4,099
PPh Badan sebesar Rp4.099 telah dibebankan ke has been charged to the statement of profit or loss
laporan laba rugi September 2025. in September 2025.
Pemeriksaan pajak tahun 2018 Tax audit for the fiscal year 2018
Pada tanggal 5 September 2023, ADMF menerima On 5 September 2023, ADMF received Tax
SKP untuk tahun fiskal 2018. Berdasarkan SKP Assessment Letters for the fiscal year 2018. Based
tersebut, Kantor Pajak menetapkan kurang bayar atas on the Assessment Letters, the Tax Office
PPh Pasal 21, PPh Pasal 21 Final, PPh Pasal 23/26, confirmed the underpayment of Article 21 Income
PPh Pasal 4 ayat (2), PPN, dan PPh Badan dengan Tax, Article 21 Final Income Tax, Withholding Tax
jumlah keseluruhan Rp38.473. ADMF setuju dengan Articles 23/26, Withholding Tax Article 4 paragraph
koreksi kurang bayar PPh Pasal 21, PPh Pasal 21 (2), VAT, and CIT aggregating Rp38,473. ADMF
Final, PPh Pasal 23/26, dan PPh Pasal 4 ayat (2) agreed with correction on Article 21, Article 21
sebesar Rp152. Final, Articles 23/26, and Article 4 paragraph (2)
underpayment of Rp152.
Pada tanggal 3 November 2023, ADMF mengajukan On 3 November 2023, ADMF has submitted the
keberatan atas ketetapan kurang bayar Pajak objection on Corporate Income Tax underpayment
Penghasilan Badan sebesar Rp12.814 dan ketetapan of Rp12,814 and VAT underpayment of Rp25,507
kurang bayar PPN sebesar Rp25.507 (termasuk (including penalties). For VAT case, on 31 July
denda). Untuk kasus PPN, pada tanggal 31 Juli 2024, 2024, ADMF has received Objection Decision
ADMF telah menerima Keputusan Keberatan yang reducing the VAT payable from Rp25,507 to
isinya mengurangkan PPN terutang dari Rp25.507 Rp24,804. For CIT case, on 31 July 2024, ADMF
menjadi Rp24.804. Untuk kasus PPh Badan, pada has received Objection Decision reducing the CIT
tanggal 31 Juli 2024, ADMF telah menerima payable from Rp12,814 to Rp12,563. ADMF has
Keputusan Keberatan yang isinya mengurangkan PPh received tax refund from the portion of CIT and
Badan terutang dari Rp12.814 menjadi Rp12.563. VAT that was granted during the objection process.
ADMF telah menerima pengembalian pajak dari porsi ADMF plans to submit appeal to tax court. For
PPh Badan dan PPN yang dikabulkan pada proses rejected portion on CIT case of Rp12,563, ADMF
keberatan. Atas porsi PPh Badan yang ditolak agreed with CIT objection decision amounted to
keberatannya sebesar Rp12.563, ADMF menyetujui Rp2,161 which was charged to the statement of
sebagian keputusan keberatan sebesar Rp2.161 yang profit or loss on October 2024. On 15 October
telah dibebankan ke laporan laba rugi Oktober 2024. 2024, ADMF submitted appeal for CIT and VAT
Pada tanggal 15 Oktober 2024, ADMF mengajukan amounted to Rp10,402 and Rp24,804. Up to the
banding untuk PPh Badan dan PPN masing-masing reporting date, the legal action for the application
sebesar Rp10.402 dan Rp24.804. of ADMF appeal is still in process.
LAMPIRAN – 5/132 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 717
Page 720
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
c. Beban pajak penghasilan (lanjutan) c. Income tax expense (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
ADMF (lanjutan) ADMF (continued)
Pemeriksaan pajak tahun 2018 (lanjutan) Tax audit for the fiscal year 2018 (continued)
Pada tanggal 26 November 2025, Pengadilan Pajak On 26 November 2025, the Tax Court decided on
memutuskan sengketa PPh Badan dan PPN ADMF. the ADMF's CIT and VAT dispute. In the Tax
Dalam Putusan Pengadilan Pajak untuk kasus PPh Court's Decision for the CIT case for Fiscal Year
Badan Tahun Pajak 2018, Majelis Hakim 2018, the Panel of Judges granted the ADMF’s
mengabulkan permohonan banding ADMF sebesar appeal amounting to Rp10,402. In the Tax Court's
Rp10.402. Dalam Putusan Pengadilan Pajak untuk Decision for the VAT case, the Panel of Judges
kasus PPN, Majelis Hakim menolak permohonan rejected the ADMF’s appeal amounting to
banding ADMF sebesar Rp23.486. ADMF akan Rp23,486. ADMF will submit Judicial Review
mengajukan Permohonan Peninjauan Kembali atas Request to Supreme Court for the appeal of VAT
kasus banding PPN Masa September - Desember for the period September - December 2018 which
2018 yang ditolak oleh Majelis Hakim. was rejected by the Panel of Judges.
d. Aset pajak tangguhan d. Deferred tax assets
Bank Bank
2025
Dikreditkan/
(dibebankan)
ke penghasilan
Dikreditkan/ komprehensif
(dibebankan) lain/
ke laba rugi/ Credited/
Credited/ (charged)
(charged) to other
1 Januari/ to profit or comprehensive 31 Desember/
January loss income December
Aset pajak tangguhan: Deferred tax assets:
- Kerugian kredit Expected credit losses -
ekspektasian atas aset dan on assets and
penghapusbukuan pinjaman 485.550 (8.966) - 476.584 loans written off
- (Keuntungan)/kerugian yang Unrealized (gains)/losses -
belum direalisasi atas from changes in fair
perubahan nilai wajar Value of marketable
efek-efek dan Obligasi securities and
Pemerintah - neto 49.041 1.960 (156.155) (105.154) Government Bonds - net
- Imbalan kerja karyawan Accrued employee -
yang masih harus dibayar 509.333 19.727 9.834 538.894 benefits
- Penyusutan aset tetap (6.090) (512) - (6.602) Depreciation of fixed assets -
- Kerugian pajak 620.394 (620.394) - - Fiscal losses -
- Lain-lain (81.096) 11.451 (7.727) (77.372) Others -
Jumlah aset pajak tangguhan - Total deferred tax
neto 1.577.132 (596.734) (154.048) 826.350 assets - net
LAMPIRAN – 5/133 – SCHEDULE
718 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 721
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
d. Aset pajak tangguhan (lanjutan) d. Deferred tax assets (continued)
Bank (lanjutan) Bank (continued)
2024
Dikreditkan/
(dibebankan)
ke penghasilan
Dikreditkan/ komprehensif
(dibebankan) lain/
ke laba rugi/ Credited/
Credited/ (charged)
(charged) to other
1 Januari/ to profit or comprehensive 31 Desember/
January loss income December
Aset pajak tangguhan: Deferred tax assets:
- Kerugian kredit Expected credit losses -
ekspektasian atas aset dan on assets and
penghapusbukuan pinjaman 1.636.619 (1.151.069) - 485.550 loans written off
- (Keuntungan)/kerugian yang Unrealized (gains)/losses -
belum direalisasi atas from changes in fair
perubahan nilai wajar value of marketable
efek-efek dan Obligasi securities and
Pemerintah - neto 21.995 (2.341) 29.387 49.041 Government Bonds-net
- Imbalan kerja karyawan Accrued employee -
yang masih harus dibayar 501.191 8.608 (466) 509.333 benefits
- Penyusutan aset tetap 10.724 (16.814) - (6.090) Depreciation of fixed assets -
- Kerugian pajak - 620.394 - 620.394 Fiscal losses -
- Lain-lain (81.451) (1.690) 2.045 (81.096) Others -
Jumlah aset pajak tangguhan - Total deferred tax
neto 2.089.078 (542.912) 30.966 1.577.132 assets - net
Entitas Anak Subsidiary
2025
Dikreditkan/
(dibebankan)
Dikreditkan/ ke penghasilan
(dibebankan) komprehensif lain/
ke laba rugi/ Credited/(charged)
Credited/ to other
1 Januari/ (charged) comprehensive 31 Desember/
January to profit or loss income December
Aset pajak tangguhan: Deferred tax assets:
- Cadangan Allowance for other-
piutang lain-lain 224.372 (12.999) - 211.373 receivables
- Penyusutan aset tetap (14.777) (8.347) - (23.124) Depreciation of fixed assets -
- Imbalan kerja karyawan Accrued employee -
yang masih harus dibayar 240.468 (5.186) (8.221) 227.061 Benefits and others
- Promosi 20.815 12.107 - 32.922 Promotion -
- Bagian efektif atas perubahan Effective portion on -
nilai wajar instrumen fair value changes of
derivatif untuk lindung derivative instruments for
nilai arus kas 3.208 188 11.522 14.918 cash flow hedge
- Lain-lain 5.025 (469) (5.691) (1.135) Others -
Jumlah aset pajak tangguhan - Total deferred tax
neto 479.111 (14.706) (2.390) 462.015 assets - net
LAMPIRAN – 5/134 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 719
Page 722
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
27. PERPAJAKAN (lanjutan) 27. TAXATION (continued)
d. Aset pajak tangguhan (lanjutan) d. Deferred tax assets (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
2024*)
Dikreditkan/
(dibebankan)
Dikreditkan/ ke penghasilan
(dibebankan) komprehensif lain/
ke laba rugi/ Credited/(charged) Penambahan dari
Credited/ to other gabungan
1 Januari/ (charged) comprehensive usaha/Additional 31 Desember/
January to profit or loss income from Merger December
Aset pajak
tangguhan: Deferred tax assets:
- Cadangan Allowance for other -
piutang lain-lain 81.451 112.983 - 29.938 224.372 receivables
Depreciation of fixed -
- Penyusutan aset tetap (17.519) 1.122 - 1.620 (14.777) assets
- Imbalan kerja
karyawan yang Accrued employee -
masih harus dibayar 245.864 (19.000) 2.187 11.417 240.468 Benefits and others
- Promosi 37.863 (17.048) - - 20.815 Promotion -
- Bagian efektif atas Effective portion on -
nilai wajar instrumen
perubahan fair value changes of
derivatif untuk derivative instruments
lindung nilai arus kas 212 - 2.996 - 3.208 for cash flow hedge
- Lain-lain 7.094 635 (2.704) - 5.025 Others -
Jumlah aset pajak Total deferred tax
tangguhan - neto 354.965 78.692 2.479 42.975 479.111 assets - net
e. Administrasi e. Administration
Sesuai dengan peraturan perpajakan di Indonesia, Under the taxation laws in Indonesia, the Bank
Bank dan Entitas Anak melaporkan/menyetorkan pajak and Subsidiary submit/pay individual corporate
untuk setiap perusahaan sebagai suatu tax returns (income tax reporting on consolidated
badan hukum yang terpisah (pelaporan pajak basis is not allowed) on the basis of self-
penghasilan konsolidasi tidak diperbolehkan) assessment. The tax authorities may assess or
berdasarkan prinsip self-assessment. Fiskus dapat amend taxes within the statute of limitation, under
menetapkan/mengubah pajak-pajak tersebut dalam prevailing regulations. Directorate General of Tax
jangka waktu tertentu sesuai peraturan yang berlaku. (“DJP”) may assess or amend tax liabilities within
Direktorat Jenderal Pajak (“DJP”) dapat menetapkan five years since the time the tax becomes due.
atau mengubah liabilitas pajak dalam waktu lima tahun
sejak saat terutangnya pajak.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/135 – SCHEDULE
720 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 723
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
28. PINJAMAN SUBORDINASI 28. SUBORDINATED LOAN
Rincian pinjaman subordinasi pada tanggal The details of subordinated loan as of
31 Desember 2025 dan 2024 sebagai berikut: 31 December 2025 and 2024 is as follows:
2025 2024
MUFG Bank, Ltd. 25.000 25.000 MUFG Bank, Ltd.
Pada tanggal 27 November 2018, Bank melakukan On 27 November 2018, the Bank entered into a
perjanjian pinjaman subordinasi dengan MUFG Bank, subordinated loan agreement amounted to Rp25,000
Ltd., pihak berelasi, senilai Rp25.000. Pinjaman with MUFG Bank, Ltd., a related party. The
subordinasi tersebut telah dicairkan seluruhnya dari subordinated loan was fully disbursed from MUFG
MUFG Bank, Ltd. pada tanggal 4 Desember 2018 Bank, Ltd. on 4 December 2018 with fixed interest rate
dengan tingkat suku bunga tetap sebesar 9,27%. of 9.27%. The subordinated loan has been extended
Pinjaman telah diperpanjang pada tanggal 4 Desember on 4 December 2023 with fixed interest rate of 7.33%
2023 dengan tingkat suku bunga tetap sebesar 7,33% per annum and will mature in 5 years from the loan
dan akan jatuh tempo dalam 5 tahun sejak tanggal extension date. The subordinated loan was used to
perpanjangan pinjaman. Pinjaman subordinasi tersebut fulfill the requirements of recovery plan according to
dilakukan untuk memenuhi persyaratan rencana aksi POJK No.14/POJK.03/2017 concerning the Recovery
(recovery plan) sesuai POJK No.14/POJK.03/2017 Plan for Systemic Banks. The subordinated loan
tentang Rencana Aksi (Recovery Plan) bagi Bank cannot be early terminated or repaid before its maturity
Sistemik. Pinjaman subordinasi ini tidak dapat dilunasi date without obtaining prior approval from OJK.
sebelum tanggal jatuh tempo tanpa mendapat
persetujuan terlebih dahulu dari OJK.
Sesuai surat OJK No.S-85/PB.32/2018 tanggal As per OJK’s letter No.S-85/PB.32/2018 dated
23 Oktober 2018, OJK memberikan persetujuan 23 October 2018, OJK approved the subordinated loan
pelaksanaan pinjaman subordinasi untuk diperhitungkan to be included as part of capital components and as
sebagai komponen modal dan menjadi bagian dari part of the Bank’s obligation in the Bank’s Recovery
kewajiban Bank dalam Rencana Aksi Bank untuk tahun Plan for 2018, subject to the Bank fulfilling all
2018 setelah Bank memenuhi seluruh persyaratan yang requirements as stated in the letter. The Bank per its
disebutkan dalam surat OJK tersebut. Bank melalui surat letter to OJK No.042/TRS/1218 dated 6 December
yang ditujukan kepada OJK No.042/TRS/1218 tanggal 6 2018, has confirmed that all requirements stipulated by
Desember 2018, telah mengonfirmasikan bahwa seluruh OJK have been fulfilled.
persyaratan yang ditetapkan OJK tersebut telah
dipenuhi.
Perjanjian pinjaman subordinasi ini memuat pembatasan The subordinated loan agreement has negative
yang tidak boleh dilakukan Bank sebagai berikut: covenants as follows:
1. Mengubah bidang usaha utama Bank. 1. Change the main business of the Bank.
2. Mengurangi modal dasar, modal ditempatkan dan 2. Reduce the authorized capital, issued capital
modal disetor, kecuali jika pengurangan tersebut and paid-up capital, except if the reduction is
dilakukan atas dasar permintaan atau perintah dari done based on the request or order from the
regulator yang memiliki kewenangan untuk regulator which is capable to do so in
melakukan hal tersebut sesuai dengan ketentuan accordance with prevailing law.
hukum yang berlaku.
Pada tanggal 31 Desember 2025, Bank telah memenuhi As of 31 December 2025, the Bank has complied with
seluruh persyaratan yang disebutkan dalam perjanjian all the requirements mentioned in the subordinated
pinjaman subordinasi. loan agreement.
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 721
Page 724
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
29. BEBAN YANG MASIH HARUS DIBAYAR DAN 29. ACCRUALS AND OTHER LIABILITIES
LIABILITAS LAIN-LAIN
2025 2024*)
Provisi pinjaman diterima dimuka 3.278.517 3.435.160 Unearned loan provision
Beban yang masih harus dibayar 2.771.768 2.543.528 Accrued expenses
Cadangan imbalan kerja Provision for employee
karyawan (Catatan 43) 2.278.766 2.311.597 benefits (Note 43)
Utang bunga 629.798 594.458 Interest payable
Pembelian efek-efek yang Accrued purchase of
masih harus dibayar 503.341 536.778 marketable securities
Liabilitas sewa 464.804 496.630 Lease liability
Dana setoran 369.625 327.880 Temporary fund
Liabilitas terkait transaksi
asuransi 168.176 157.931 Insurance transaction liability
Utang kepada dealer 136.089 302.480 Payable to dealers
Kerugian Kredit Ekspektasian -
Transaksi Rekening Expected Credit Losses
Administratif 123.457 153.035 - off Balance Sheet
Pajak final 96.221 88.587 Final tax
Kewajiban kepada card holder 78.095 67.405 Payable to card holder
Liabilitas transaksi nasabah 29.073 37.543 Customer transaction liability
Utang kepada merchant 15.475 10.503 Payable to merchants
Setoran jaminan 7.583 7.989 Security deposits
Cadangan biaya lainnya 2.912 2.909 Other provisions
Utang dividen 682 736 Dividend Payable
Instrumen BI lainnya - Devisa Other BI instrument - Devisa Hasil
Hasil Ekspor (DHE) - 16.095 Ekspor (DHE)
Lain-lain 375.772 551.678 Others
11.330.154 11.642.922
Saldo di atas pada tanggal 31 Desember 2025 terdiri atas The above balance as of 31 December 2025 consists of
beban yang masih harus dibayar dan liabilitas lain-lain dalam accruals and other liabilities in Rupiah of Rp11,046,308
Rupiah sebesar Rp11.046.308 dan mata uang asing sebesar and in foreign currencies of Rp283,846 (2024:
Rp283.846 (2024: Rp11.380.025 dan Rp262.897) (Catatan Rp11,380,025 and Rp262,897) (Note 53).
53).
Beban yang masih harus dibayar Accrued expenses
Akun ini termasuk akrual untuk kesejahteraan karyawan This account includes an accrual for employees’ welfare of
sebesar Rp1.220.916 (2024: Rp1.089.894) dan sisanya Rp1,220,916 (2024: Rp1,089,894) and the remainder
merupakan akrual untuk beban operasional Bank dan Entitas represents accruals in relation to operational costs of the
Anak. Bank and Subsidiary.
Instrumen BI lainnya – Devisa Hasil Ekspor (DHE) Other BI instrument – Devisa Hasil Ekspor (DHE)
Akun ini adalah dana DHE yang diterima dari eksportir yang This account is DHE funds received from exporters which
selanjutnya ditempatkan oleh Bank pada instrumen TD Valas are further placed by the Bank in DHE Foreign Exchange
DHE yang diterbitkan oleh Bank Sentral Indonesia. TD instruments issued by the Central Bank of Indonesia.
Utang kepada dealer Payable to dealers
Utang kepada dealer merupakan liabilitas ADMF kepada Payable to dealers represents ADMF liabilities to dealers
dealer atas nasabah-nasabah yang telah memperoleh for the approved consumer financing contracts, where the
persetujuan kredit dan pihak dealer telah menyerahkan dealers have delivered the vehicles to the customers.
kendaraan yang dibiayai kepada nasabah tersebut.
Pendapatan diterima dimuka Unearned income
Akun ini termasuk imbalan yang diterima dimuka dari ZAI This account includes upfront fees received from ZAI
sebesar Rp1.494.000 dan diamortisasi selama periode amounted to Rp1,494,000 and amortized over the contract
kontrak (Catatan 20). period (Note 20).
*) Disajikan kembali *) As restated
LAMPIRAN – 5/137 – SCHEDULE
722 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 725
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
29. BEBAN YANG MASIH HARUS DIBAYAR DAN 29. ACCRUALS AND OTHER LIABILITIES (continued)
LIABILITAS LAIN-LAIN (lanjutan)
Pendapatan diterima dimuka (lanjutan) Unearned income (continued)
Selain itu, termasuk juga pendapatan diterima dimuka dari In addition, included in the unearned income is the
PT Asuransi Jiwa Manulife dimana berdasarkan perjanjian collaboration fees received from PT Asuransi Jiwa Manulife
pada tanggal 31 Maret 2020, Bank dan PT Asuransi Jiwa which based on the agreement dated 31 March 2020, the
Manulife setuju untuk memperpanjang collaboration Bank and PT Asuransi Jiwa Manulife agreed to extend their
agreement yang ada dalam mempromosikan dan existing collaboration agreement in promoting and
memperkenalkan produk asuransi PT Asuransi Jiwa introducing insurance products of PT Asuransi Jiwa
Manulife kepada nasabah Bank dan Entitas Anak. Sebagai Manulife to the Bank’s and its Subsidiary’s customers. In
imbal balik, Bank dan Entitas Anak telah menerima return, the Bank and its Subsidiary have received extension
perpanjangan collaboration fee dari PT Asuransi Jiwa collaboration fee from PT Asuransi Jiwa Manulife which is
Manulife yang diakui dalam pendapatan diterima dimuka dan recognized in unearned income and amortized to profit and
diamortisasi ke laba rugi. loss.
30. MODAL SAHAM 30. SHARE CAPITAL
2025
Jumlah saham
ditempatkan dan
disetor penuh/ Persentase
Number of shares kepemilikan/
issued and Percentage Jumlah nominal/
Pemegang saham fully paid of ownership Nominal value Shareholders
Saham Seri A (nilai nominal A Series shares (par value
Rp50.000 (nilai penuh) of Rp50,000 (full amount)
per saham) per share)
Masyarakat (kepemilikan Public (ownership interest
masing-masing dibawah 5%) 22.400.000 0,23% 1.120.000 below 5% each)
Saham Seri B (nilai nominal B Series shares (par value
Rp500 (nilai penuh) of Rp500 (full amount)
per saham) per share)
MUFG Bank, Ltd. MUFG Bank, Ltd.
(langsung dan tidak langsung) 9.038.053.192 92,47% 4.519.027 (direct and indirect)
Masyarakat (kepemilikan Public (ownership interest
masing-masing dibawah 5%) 708.633.922 7,25% 354.317 below 5% each)
Direksi: Board of Directors:
- Honggo Widjojo Kangmasto 1.573.300 0,02% 787 Honggo Widjojo Kangmasto -
- Dadi Budiana 946.400 0,01% 473 Dadi Budiana -
- Herry Hykmanto 809.156 0,01% 405 Herry Hykmanto -
- Thomas Sudarma 589.700 0,01% 295 Thomas Sudarma -
- Rita Mirasari 424.400 0,00% 212 Rita Mirasari -
- Yenny Siswanto 122.800 0,00% 61 Yenny Siswanto -
9.751.152.870 99,77% 4.875.577
9.773.552.870 100% 5.995.577
LAMPIRAN – 5/138 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 723
Page 726
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
30. MODAL SAHAM (lanjutan) 30. SHARE CAPITAL (continued)
2024
Jumlah saham
ditempatkan dan
disetor penuh/ Persentase
Number of shares kepemilikan/
issued and Percentage Jumlah nominal/
Pemegang saham fully paid of ownership Nominal value Shareholders
Saham Seri A (nilai nominal A Series shares (par value
Rp50.000 (nilai penuh) of Rp50,000 (full amount)
per saham) per share)
Masyarakat (kepemilikan Public (ownership interest
masing-masing dibawah 5%) 22.400.000 0,23% 1.120.000 below 5% each)
Saham Seri B (nilai nominal B Series shares (par value
Rp500 (nilai penuh) of Rp500 (full amount)
per saham) per share)
MUFG Bank, Ltd. MUFG Bank, Ltd.
(langsung dan tidak langsung) 9.038.053.192 92,47% 4.519.027 (direct and indirect)
Masyarakat (kepemilikan Public (ownership interest
masing-masing dibawah 5%) 708.640.822 7,25% 354.321 below 5% each)
Direksi: Board of Directors:
- Honggo Widjojo Kangmasto 1.188.000 0,01% 594 Honggo Widjojo Kangmasto -
- Dadi Budiana 749.700 0,01% 375 Dadi Budiana -
- Herry Hykmanto 680.256 0,01% 340 Herry Hykmanto -
- Hafid Hadeli 534.200 0,01% 267 Hafid Hadeli -
- Muljono Tjandra 503.000 0,01% 251 Muljono Tjandra -
- Thomas Sudarma 460.100 0,00% 230 Thomas Sudarma -
- Rita Mirasari 343.600 0,00% 172 Rita Mirasari -
9.751.152.870 99,77% 4.875.577
9.773.552.870 100% 5.995.577
MUFG Bank, Ltd. merupakan entitas anak yang sepenuhnya MUFG Bank, Ltd. is wholly-owned subsidiary of Mitsubishi
dimiliki oleh Mitsubishi UFJ Financial Group, Inc. yang UFJ Financial Group, Inc. which is based in Japan.
berkedudukan di Jepang.
31. TAMBAHAN MODAL DISETOR 31. ADDITIONAL PAID-IN CAPITAL
Tambahan modal disetor terdiri dari: Additional paid-in capital consists of:
2025 2024
Agio saham 7.546.140 7.546.140 Additional paid-in capital
Biaya emisi efek ekuitas (154.384) (154.384) Share issuance costs
Adjustment on additional
Penyesuaian agio saham (135.432) (135.432) paid-up capital
Penyesuaian agio saham - efek Adjustment on additional
penggabungan usaha paid-up-capital - effect of merger
dengan BNP 729.647 729.647 with BNP
Dampak dari penggabungan usaha Impact from merger of
Entitas Anak (70.490) - Subsidiary
Jumlah 7.915.481 7.985.971 Total
LAMPIRAN – 5/139 – SCHEDULE
724 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 727
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
32. PENGGUNAAN LABA BERSIH 32. APPROPRIATION OF NET INCOME
Penggunaan laba bersih untuk dua tahun buku terakhir The appropriation of net income for the last two financial
adalah sebagai berikut: years is as follows:
Laba bersih untuk tahun buku/
Net income for financial year
2024 2023
Pembagian dividen tunai 1.112.719 1.226.385 Distribution of cash dividend
Pembentukan cadangan umum Appropriation for general
dan wajib 31.793 35.039 and legal reserve
Saldo laba 2.034.823 2.242.458 Retained earnings
3.179.335 3.503.882
Rapat Umum Pemegang Saham Tahunan (“RUPS The Annual General Meeting of Shareholders (“Annual
Tahunan”) yang diadakan pada tanggal 21 Maret 2025, GMS”) which was held on 21 March 2025, approved the
memutuskan pembagian total dividen tunai untuk tahun buku total cash dividend distribution for the 2024 financial year of
2024 sebesar 35% dari laba bersih atau sejumlah kurang 35% of the net profit or in the amount of approximately
lebih Rp1.112.767 atau Rp113,85 (nilai penuh) per saham Rp1,112,767 or Rp113.85 (full amount) per share for series
seri A dan seri B dan pembentukan cadangan umum dan A and series B shares and the allocation for general and
wajib sebesar Rp31.793. legal reserve in the amount of Rp31,793.
Berdasarkan Daftar Pemegang Saham tanggal 11 April 2025 Based on the Shareholders Registry as of 11 April 2025
yang merupakan tanggal pencatatan daftar pemegang whereby shareholders registered as of that date are entitled
saham yang berhak atas dividen, jumlah saham yang to the dividends, the total number of issued shares as of
beredar pada tanggal 11 April 2025 adalah 9.773.552.870 11 April 2025 was 9,773,552,870 shares, therefore, the
saham, sehingga dividen per saham yang akan dibagikan dividends distributed on 24 April 2025 amounted to
pada tanggal 24 April 2025 adalah sebesar Rp113,85 (nilai Rp113.85 (full amount) per share for series A and series B
penuh) per saham seri A dan seri B atau jumlah dividen tunai shares or total cash dividends of Rp1,112,719.
adalah sebesar Rp1.112.719.
Rapat Umum Pemegang Saham Tahunan (“RUPS The Annual General Meeting of Shareholders (“Annual
Tahunan”) yang diadakan pada tanggal 22 Maret 2024, GMS”) which was held on 22 March 2024, approved the
memutuskan pembagian total dividen tunai untuk tahun buku total cash dividend distribution for the 2023 financial year of
2023 sebesar 35% dari laba bersih atau sejumlah kurang 35% of the net profit or in the amount of approximately
lebih Rp1.226.359 atau Rp125,48 (nilai penuh) per saham Rp1,226,359 or Rp125.48 (full amount) per share for series
seri A dan seri B dan pembentukan cadangan umum dan A and series B shares and the allocation for general and
wajib sebesar Rp35.039. legal reserve in the amount of Rp35,039.
Berdasarkan Daftar Pemegang Saham tanggal 4 April 2024 Based on the Shareholders Registry as of 4 April 2024
yang merupakan tanggal pencatatan daftar pemegang whereby shareholders registered as of that date are entitled
saham yang berhak atas dividen, jumlah saham yang to the dividends, the total number of issued shares as of
beredar pada tanggal 4 April 2024 adalah 9.773.552.870 4 April 2024 was 9,773,552,870 shares, therefore, the
saham, sehingga dividen per saham yang dibagikan pada dividends distributed on 25 April 2024 amounted to
tanggal 25 April 2024 adalah sebesar Rp125,48 (nilai penuh) Rp125.48 (full amount) per share for series A and series B
per saham seri A dan seri B atau jumlah dividen tunai adalah shares or total cash dividends of Rp1,226,385.
sebesar Rp1.226.385.
LAMPIRAN – 5/140 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 725
Page 728
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
33. CADANGAN UMUM DAN WAJIB 33. GENERAL AND LEGAL RESERVES
Pada tanggal 31 Desember 2025, Bank telah membentuk As of 31 December 2025, the Bank had general and
cadangan umum dan wajib sebesar Rp595.680 legal reserves of Rp595,680 (2024: Rp563,887). This
(2024: Rp563.887). Cadangan umum dan wajib ini dibentuk general and legal reserve was provided in relation with
sehubungan dengan mengenai Perseroan Terbatas, yang regarding the Limited Liability Company which requires
mengharuskan perusahaan-perusahaan untuk membuat companies to set up a general reserve amounted to at
penyisihan cadangan umum sebesar sekurang-kurangnya least 20% of the issued and fully paid share capital.
20% dari jumlah modal yang ditempatkan dan disetor penuh. There is no timeline over which this amount should be
Undang-undang tersebut tidak mengatur jangka waktu untuk provided.
membentuk cadangan tersebut.
34. PENDAPATAN BUNGA 34. INTEREST INCOME
2025 2024*)
Pinjaman yang diberikan 13.381.490 12.556.247 Loans
Piutang pembiayaan konsumen 10.083.074 9.711.004 Consumer financing receivables
Obligasi Pemerintah 1.202.409 1.067.846 Government Bonds
Marketable securities and
Efek-efek dan tagihan lainnya 996.922 756.007 other bills receivable
Penempatan pada bank lain Placements with other banks
dan BI 276.878 406.419 and BI
25.940.773 24.497.523
Pendapatan bunga berdasarkan klasifikasi aset keuangan Interest income based on the classification of financial
adalah sebagai berikut: assets is as follows:
2025 2024*)
Biaya perolehan diamortisasi 24.119.057 22.914.173 Amortized cost
Nilai wajar melalui Fair value through other
penghasilan komprehensif lain 1.714.191 1.487.956 comprehensive income
Nilai wajar melalui
laporan laba rugi 107.525 95.394 Fair value through profit or loss
25.940.773 24.497.523
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2025, the amortization
31 Desember 2025, amortisasi dari beban yang terkait of costs directly incurred in acquiring customers
langsung dari perolehan nasabah (“biaya transaksi”) sebesar (“transaction cost”) amounted to Rp850,165 was
Rp850.165 disajikan sebagai pengurang dari pendapatan recorded as a deduction from interest income (2024:
bunga (2024: Rp929.832). Rp929,832).
35. BEBAN BUNGA 35. INTEREST EXPENSE
2025 2024*)
Simpanan nasabah Deposits from customers
- Giro 712.105 795.685 Current accounts -
- Tabungan 459.319 550.792 Savings -
- Deposito berjangka 4.737.241 4.009.414 Time deposits -
Pinjaman yang diterima dan Borrowings and deposits
simpanan dari bank lain 1.204.362 1.187.776 from other banks
Efek yang diterbitkan 581.959 503.932 Securities issued
Beban asuransi penjaminan Deposit insurance guarantee
simpanan 322.033 294.004 expense
8.017.019 7.341.603
*) Disajikan kembali *) As restated
LAMPIRAN – 5/141 – SCHEDULE
726 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 729
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
36. PENDAPATAN DAN BEBAN PROVISI DAN KOMISI 36. FEES AND COMMISSION INCOME AND EXPENSE
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2025, included in fees
31 Desember 2025, termasuk di dalam pendapatan provisi and commission income are credit related fees income
dan komisi adalah pendapatan provisi terkait dengan amounted to Rp354,932 (2024: Rp341,761) and service
kegiatan perkreditan sebesar Rp354.932 (2024: Rp341.761) commissions amounted to Rp952,575 (2024: Rp945,563).
dan komisi atas jasa yang dilakukan sebesar Rp952.575
(2024: Rp945.563).
Termasuk didalam beban provisi dan komisi untuk tahun Included in provision and commissions expense for the
yang berakhir pada tanggal 31 Desember 2025 adalah year ended 31 December 2025 is credit related provision
beban provisi terkait dengan kegiatan perkreditan sebesar expense amounted to Rp320,471 (2024: Rp236,152).
Rp320.471 (2024: Rp236.152).
37. IMBALAN JASA LAIN 37. OTHER FEES
2025 2024*)
Imbalan administrasi 1.507.409 1.454.599 Administration fees
Transaksi bancassurance 576.050 745.709 Bancassurance transactions
Transaksi kartu kredit 87.595 77.801 Credit card transactions
Lain-lain 225.425 209.926 Others
2.396.479 2.488.035
38. KEUNTUNGAN/(KERUGIAN) DARI PERUBAHAN 38. GAINS/(LOSSES) FROM CHANGES IN FAIR VALUE
NILAI WAJAR ATAS INSTRUMEN KEUANGAN OF FINANCIAL INSTRUMENTS AT FAIR VALUE
YANG DIUKUR PADA NILAI WAJAR MELALUI LABA THROUGH PROFIT OR LOSS - NET
RUGI - NETO
2025 2024
Obligasi Pemerintah dan Efek- Trading Government bonds and
efek yang diperdagangkan Marketable securities
(Catatan 8 dan 15) (571) 4.648 (Notes 8 and 15)
Instrumen derivatif (Catatan 10) (7.390) (24.469) Derivative instruments (Note 10)
(7.961) (19.821)
39. BEBAN UMUM DAN ADMINISTRASI 39. GENERAL AND ADMINISTRATIVE EXPENSES
2025 2024*)
Beban kantor 2.566.489 2.450.913 Office expenses
Iklan dan promosi 955.525 931.892 Advertising and promotion
Penyusutan aset tetap dan Depreciation of fixed assets and
aset hak guna 624.747 529.549 right-of-use assets
Sewa 444.905 441.917 Rental
Beban amortisasi 334.826 284.432 Amortization expenses
Komunikasi 219.624 208.962 Communications
Beban bunga liabilitas sewa 30.598 29.244 Interest expense on lease liabilities
Lain-lain 66.970 88.193 Others
5.243.684 4.965.102
*) Disajikan kembali *) As restated
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 727
Page 730
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
40. BEBAN TENAGA KERJA DAN TUNJANGAN 40. SALARIES AND EMPLOYEE BENEFITS
2025 2024*)
Gaji dan tunjangan lainnya 6.695.412 6.251.680 Salaries and other allowance
Pendidikan dan pelatihan 113.070 115.845 Education and training
Lain-lain 484.559 454.896 Others
7.293.041 6.822.421
Remunerasi Direksi, Dewan Komisaris, dan Komite Audit Remuneration for Board of Directors, Board of
Bank dan Entitas Anak adalah sebagai berikut: Commissioners, and Audit Committee of the Bank and
Subsidiary is as follows:
2025
Tunjangan dan
fasilitas lainnya, bruto/
Gaji, bruto/ Other allowance and
Salaries, gross benefits, gross Jumlah/Total
Direksi 63.218 131.858 195.076 Board of Directors
Dewan Komisaris 15.310 23.664 38.974 Board of Commissioners
Komite Audit 1.828 497 2.325 Audit Committee
80.356 156.019 236.375
2024
Tunjangan dan
fasilitas lainnya, bruto/
Gaji, bruto/ Other allowance and
Salaries, gross benefits, gross Jumlah/Total
Direksi 62.465 128.730 191.195 Board of Directors
Dewan Komisaris 15.672 22.811 38.483 Board of Commissioners
Komite Audit 1.832 479 2.311 Audit Committee
79.969 152.020 231.989
41. PENDAPATAN BUKAN OPERASIONAL 41. NON-OPERATING INCOME
2025 2024*)
Penerimaan dari asuransi atas Insurance recoveries of loans
pinjaman yang telah dihapusbukukan 43.363 47.019 written off
Keuntungan penjualan aset tetap Gain on sale of fixed assets
(Catatan 18) 16.509 33.689 (Note 18)
Lain-lain 15.737 37.968 Others
75.609 118.676
42. BEBAN BUKAN OPERASIONAL 42. NON-OPERATING EXPENSES
2025 2024*)
Kerugian atas penjualan aset Loss on disposal of foreclosed
yang diambil alih 85.437 121.057 assets
Kerugian penghapusan aset tetap dan Loss on write-off of fixed assets and
aset tidakberwujud 13.260 411 intangible assets
Kerugian penjualan aset tetap Loss on disposal of fixed assets
(Catatan 18) 6.937 2.880 (Note 18)
Lain-lain 41.524 39.506 Others
147.158 163.854
*) Disajikan kembali *) As restated
LAMPIRAN – 5/143 – SCHEDULE
728 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 731
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
a. Program pensiun iuran pasti a. Defined contribution pension plan
Bank Bank
Bank menyelenggarakan program pensiun iuran pasti untuk The Bank has a defined contribution pension plan covering
karyawan tetap yang memenuhi syarat yang dikelola dan its qualified permanent employees, which is managed and
diadministrasikan oleh PT Asuransi Jiwa Manulife Indonesia. administered by PT Asuransi Jiwa Manulife Indonesia.
Pada tanggal 31 Desember 2025 dan 2024, iuran yang As of 31 December 2025 and 2024, the employees’ and
dibayarkan oleh karyawan dan Bank masing-masing adalah the Bank’s contributions were 3.75% and 4.25%,
sebesar 3,75% dan 4,25% dari penghasilan dasar karyawan. respectively, of the employees’ basic salaries.
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2025 and 2024, the
31 Desember 2025 dan 2024, imbalan pasti Bank yang diakui Bank’s defined benefit are recognized as “salaries and
sebagai “beban tenaga kerja dan tunjangan” masing-masing employee benefits” amounted to Rp6,699 and Rp7,354,
sebesar Rp6.699 dan Rp7.354. respectively.
Bank mengikut-sertakan seluruh karyawan ke dalam The Bank registers all employees into the government
program pemerintah BPJS Kesehatan yang dimulai pada program BPJS Medical starting June 2015 with the
bulan Juni 2015 dengan besar iuran yang dibayarkan oleh employee and the Bank’s contribution at 0.50% and 4.00%,
karyawan dan Bank masing-masing adalah sebesar 0,50% respectively of the employee wages. Employee
dan 4,00% dari upah karyawan. Besarnya iuran karyawan contribution became 1.00% starting July 2015.
berubah menjadi 1,00% mulai bulan Juli 2015.
Bank juga mengikut-sertakan seluruh karyawan kedalam The Bank also registered all employees into the
program pemerintah BPJS Ketenagakerjaan yang dimulai government program BPJS Pension starting July 2015 with
pada bulan Juli 2015 dengan besar iuran yang dibayarkan the employee and the Bank’s contribution at 1.00% and
oleh karyawan dan Bank masing-masing adalah sebesar 2.00%, respectively, of the employee wages.
1,00% dan 2,00% dari upah karyawan.
Entitas Anak Subsidiary
ADMF menyelenggarakan program pensiun imbalan pasti ADMF has defined benefit pension program covering its
untuk karyawan tetap yang sudah memenuhi kriteria yang qualified permanent employees who meet the Company’s
ditetapkan Perseroan dan dikelola serta diadministrasikan criteria, managed and administered by PT Asuransi Jiwa
oleh PT Asuransi Jiwa Manulife Indonesia. Manulife Indonesia.
Pada tanggal 31 Desember 2025 dan 2024, ADMF As of 31 December 2025 and 2024, ADMF paid pension
membayar iuran pensiun sebesar 3,00% dari penghasilan costs at 3.00% from the employees’ basic salaries.
dasar karyawan.
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2025 and 2024, the
31 Desember 2025 dan 2024, imbalan pasti ADMF yang defined benefit for ADMF recognized as “salaries and
diakui sebagai “beban tenaga kerja dan tunjangan” masing- employee benefits” amounted to Rp29,532 and Rp27,931,
masing sebesar Rp29.532 dan Rp27.931. respectively.
b. Program pensiun manfaat pasti b. Defined benefit pension plan
Bank Bank
Liabilitas atas program pensiun manfaat pasti dan imbalan The liability for defined benefit pension plan and post-
pasca-kerja pada tanggal 31 Desember 2025 dan 2024 employment benefits as of 31 December 2025 and 2024
dihitung oleh perusahaan konsultan aktuaria I Gde Eka was calculated by a licensed actuarial consulting firm I Gde
Sarmaja, FSAI & Rekan dengan menggunakan metode Eka Sarmaja, FSAI & Rekan using the Projected-Unit-
Projected-Unit-Credit. Credit method.
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 729
Page 732
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
b. Program pensiun manfaat pasti (lanjutan) b. Defined benefit pension plan (continued)
Bank (lanjutan) Bank (continued)
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2025, the Bank set aside
31 Desember 2025, Bank telah menyisihkan dana untuk funds to be used to support the fulfilment of post-
mendukung pemenuhan liabilitas imbalan pasca-kerja employment benefit obligations to the Bank’s employees
karyawan sebesar Rp290.840 (2024: Rp100.000), yang amounted to Rp290,840 (2024: Rp100,000), which is placed
ditempatkan pada DPLK AIA Financial dalam bentuk in DPLK AIA Financial in the form of Management of Post-
program Pengelolaan Manfaat Pensiun untuk Dana employment Benefit Compensation plan, that meet the
Kompensasi Pasca Kerja, yang memenuhi kriteria untuk criteria to be recorded as plan asset.
dicatat sebagai aset program.
Tabel berikut ini menyajikan saldo kewajiban imbalan The following table reflects the balance the Bank’s obligation
pasca-kerja Bank pada tanggal 31 Desember 2025 dan for post-employment benefits as of 31 December 2025 and
2024: 2024:
2025 2024
Nilai kini kewajiban imbalan Present value of obligation
pasca-kerja 1.460.939 1.425.468 post-employment benefit
Nilai wajar aset program (53.542) (15.078) Fair value of plan asset
Kewajiban imbalan pasca-kerja 1.407.397 1.410.390 Obligation for post-employment benefit
Nilai yang diakui dalam laporan laba rugi dan penghasilan Amounts recognized in statement of profit or loss and
komprehensif lain atas imbalan pasca-kerja adalah sebagai other comprehensive income in respects of post-
berikut: employment benefits are as follows:
2025 2024
Diakui pada laba rugi Recognized in profit or loss
Beban jasa kini 134.789 161.034 Current service cost
Beban jasa lalu 12.144 (191.538) Past service cost
Keuntungan atas penyelesaian 13.829 (3.202) Gains on settlements
Beban bunga atas kewajiban 91.725 97.949 Interest on obligation
Penghasilan bunga pada aset
program (1.910) - Interest income on plan assets
250.577 64.243
Diakui pada penghasilan Recognized in other
Komprehensif lain comprehensive income
Effect of financial assumption
Efek perubahan asumsi keuangan 52.136 (16.828) changes
Efek penyesuaian pengalaman (4.968) 15.500 Effect of experience adjustment
Imbal hasil atas aset program (2.466) (791) Return on plan asset
44.702 (2.119)
Jumlah yang diakui di laporan laba Total recognized in statement of profit
rugi dan penghasilan komprehensif or loss and other comprehensive
lain 295.279 62.124 income
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730 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 733
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
b. Program pensiun manfaat pasti (lanjutan) b. Defined benefit pension plan (continued)
Bank (lanjutan) Bank (continued)
Perubahan nilai kini kewajiban imbalan pasca kerja adalah The movements of the present value of obligation for
sebagai berikut: post employment benefits are as follows:
2025 2024
Saldo pada awal tahun 1.410.390 1.556.003 Balance at beginning year
Beban jasa kini 134.789 161.034 Current service cost
Beban jasa lalu 12.144 (191.538) Past service cost
Keuntungan atas penyelesaian 13.829 (3.202) Gains on settlements
Beban bunga 91.725 97.949 Interest expense
Penghasilan bunga pada aset
program (1.910) - Interest income on plan assets
Imbalan yang dibayar oleh
pemberi kerja (7.432) (107.737) Benefits paid from employer
Iuran pemberi kerja (290.840) (100.000) Employer contributions
Pengukuran kembali: Remeasurement:
Perubahan dalam asumsi
keuangan 52.136 (16.828) Change in financial assumptions
Penyesuaian pengalaman (4.968) 15.500 Experience adjustment
Imbal hasil atas aset program (2.466) (791) Return on plan asset
Saldo pada akhir tahun 1.407.397 1.410.390 Balance at end of year
Perubahan nilai wajar aset program untuk program pasca- Movements in the fair value of the plan asset for post-
kerja: employment program were as follows:
2025 2024
Saldo awal nilai wajar aset program 15.078 - Beginning fair value of plan asset
Penghasilan bunga pada aset
program 1.910 - Interest income on plan assets
Iuran pemberi kerja 290.840 100.000 Employer contributions
Pembayaran imbalan dari aset
program (242.922) (82.511) Benefit payment from plan asset
Pembayaran penyelesaian dari
aset program (13.830) (3.202) Settlement payments from plan asset
Pengukuran kembali: Remeasurements:
Imbal hasil atas aset program 2.466 791 Return on plan asset:
Saldo akhir nilai wajar aset Ending balance fair value of
program 53.542 15.078 plan asset
Komposisi aset program pada tanggal 31 Desember 2025 The composition of plan asset for the year ended
dan 2024 adalah sebagai berikut: 31 December 2025 and 2024 are as follows:
2025 2024
Pasar uang 90% 90% Money market
Pendapatan tetap 10% 10% Fixed income
100% 100%
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 731
Page 734
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
b. Program pensiun manfaat pasti (lanjutan) b. Defined benefit pension plan (continued)
Bank (lanjutan) Bank (continued)
Asumsi-asumsi utama yang digunakan dalam Key assumptions used in the above calculation:
perhitungan di atas:
2025 2024
Asumsi ekonomi: Economic assumptions:
- Tingkat diskonto per tahun 6,25% 7,00% Annual discount rate -
- Tingkat kenaikan penghasilan Annual basic salary -
dasar per tahun 6,50% 6,50% growth rate
Asumsi demografi: Economic assumptions:
- Tingkat kematian TMI 2019 TMI 2019 Mortality rate -
- Tingkat kecacatan 10% of TMI 2019 10% of TMI 2019 Disability rate -
Tabel berikut menunjukkan sensitivitas atas The following table demonstrates the sensitivity to a
kemungkinan perubahan tingkat suku bunga pasar, reasonably possible change in market interest rates, with
dengan variabel lain dianggap tetap, terhadap kewajiban all other variables held constant, of the obligation for post-
imbalan pasca-kerja dan beban jasa kini pada tanggal employment and current service cost as of
31 Desember 2025 dan 2024: 31 December 2025 and 2024:
2025
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (68.658) 76.096 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 80.373 (73.883) Annual salary growth rate
2024
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (63.392) 69.878 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 74.800 (69.101) Annual salary growth rate
LAMPIRAN – 5/147 – SCHEDULE
732 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 735
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
b. Program pensiun manfaat pasti (lanjutan) b. Defined benefit pension plan (continued)
Bank (lanjutan) Bank (continued)
Liabilitas imbalan kerja Bank pada tanggal 31 Desember The Bank’s employee benefit liabilities as of
2025 dan 2024 telah sesuai dengan laporan aktuaris 31 December 2025 and 2024 is in accordance with the
independen tertanggal 9 Januari 2026 dan 31 Januari 2025. independent actuarial report dated 9 January 2026 and
31 January 2025.
Entitas Anak Subsidiary
Untuk tahun yang berakhir 31 Desember 2025, ADMF telah For year ended 31 December 2025, ADMF set aside funds
menyisihkan dana untuk mendukung pemenuhan liabilitas to be used to support the fulfillment of post-employment
imbalan pasca-kerja karyawan sebesar Rp34.000, yang benefit obligations to the ADMF’s employees amounted to
ditempatkan pada DPLK Manulife Indonesia dalam bentuk Rp34,000, which is placed in DPLK Manulife Indonesia in
program Pengelolaan Manfaat Pensiun untuk Dana the form of Management of Post-employment Benefit
Kompensasi Pasca Kerja, yang memenuhi kriteria untuk Compensation Plan, that meet the criteria to be recorded
dicatat sebagai aset program. as plan asset.
Liabilitas atas program pensiun manfaat pasti dan imbalan The liability for defined benefit pension plan and post-
pasca-kerja pada tanggal 31 Desember 2025 dan employment benefits as of 31 December 2025 and
2024 dihitung oleh perusahaan konsultan aktuaria I Gde Eka 2024 was calculated by a licensed actuarial consulting firm
Sarmaja, FSAI & Rekan dengan menggunakan metode I Gde Eka Sarmaja, FSAI & Rekan using the Projected-
Projected-Unit-Credit. Unit-Credit method.
Tabel berikut ini menyajikan saldo kewajiban imbalan The following table reflects the balance the ADMF;s
pasca-kerja ADMF pada tanggal 31 Desember 2025 dan obligation for post-employment benefits as of 31 December
2024: 2025 and 2024:
2025 2024*)
Nilai kini kewajiban imbalan Present value of obligation
pasca-kerja 664.132 711.995 post-employment benefit
Nilai wajar aset program (16.908) - Fair value of plan asset
Kewajiban imbalan pasca-kerja 647.224 711.995 Obligation for post-employment benefit
Nilai yang diakui dalam laporan laba rugi dan penghasilan Amounts recognized in statement of profit or loss and
komprehensif lain atas program pensiun imbalan pasti other comprehensive income in respects of the defined
adalah sebagai berikut: benefit plan are as follows:
2025 2024*)
Diakui pada laba rugi Recognized in profit or loss
Beban jasa kini 74.749 70.956 Current service cost
Beban jasa lalu - 8.098 Past service cost
Beban bunga atas kewajiban 47.039 42.578 Interest on obligation
Kerugian atas penyelesaian 168.499 6.067 Losses on settlements
Beban administrasi 267 - Administrative expenses
290.554 127.699
Diakui pada penghasilan Recognized in other
komprehensif lain comprehensive income
Efek perubahan asumsi keuangan 5.395 (13.507) Effect of financial assumption changes
Efek penyesuaian pengalaman (46.127) 34.361 Effect of experience adjustment
Imbal hasil aset program (845) - Return on plan asset
Effect of demographic
Efek perubahan asumsi demografik - (10.913) assumption changes
(41.577) 9.941
Jumlah yang diakui di laporan laba Total recognized in statement of
rugi dan penghasilan komprehensif profit or loss and other
lain 248.977 137.6400 comprehensive income
*) Disajikan kembali *) As restated
LAMPIRAN – 5/148 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 733
Page 736
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
b. Program pensiun manfaat pasti (lanjutan) b. Defined benefit pension plan (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Perubahan nilai kini kewajiban imbalan pasca kerja adalah The movements of the present value of obligation for
sebagai berikut: post-employment benefits are as follows:
2025 2024*)
Saldo pada awal tahun 711.995 561.160 Balance at beginning year
Beban jasa kini 74.749 70.956 Current service cost
Beban jasa lalu - 8.098 Past service cost
Kerugian atas penyelesaian 168.499 6.067 Losses on settlements
Beban bunga 47.039 42.578 Interest expense
Beban administrasi 267 - Administrative expenses
Imbalan yang dibayar oleh
pemberi kerja (279.748) (40.145) Benefits paid from employer
Iuran pemberi kerja (34.000) - Employer contributions
Pengukuran kembali: Remeasurement:
Perubahan dalam asumsi
demografik - (10.913) Change in demographic assumptions
Perubahan dalam asumsi
keuangan 5.395 (13.507) Change in financial assumptions
Penyesuaian pengalaman (46.127) 34.361 Experience adjustment
Imbal hasil atas aset program (845) - Return on plan asset
Efek merging entity - 53.340 Merging entity effect
Saldo pada akhir tahun 647.224 711.995 Balance at end of year
Asumsi-asumsi utama yang digunakan dalam Key assumptions used in the above calculation:
perhitungan di atas:
2025 2024*)
Asumsi ekonomi: Economic assumptions:
- Tingkat diskonto per tahun 6,25% 7,00% Annual discount rate -
- Tingkat kenaikan penghasilan Annual basic salary -
dasar per tahun 6,50% 5,00% - 7,00% growth rate
Asumsi demografi: Economic assumptions:
- Tingkat kematian TMI 2019 TMI 2019 Mortality rate -
- Tingkat kecacatan 10% of TMI 2019 5% - 10% of TMI 2019 Disability rate -
*) Disajikan kembali *) As restated
LAMPIRAN – 5/149 – SCHEDULE
734 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 737
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
b. Program pensiun manfaat pasti (lanjutan) b. Defined benefit pension plan (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Tabel berikut menunjukkan sensitivitas atas kemungkinan The following table demonstrates the sensitivity to a
perubahan tingkat suku bunga pasar, dengan variabel lain reasonably possible change in market interest rates, with
dianggap tetap, terhadap liabilitas imbalan pasca-kerja dan all other variables held constant, of the obligation for post-
beban jasa kini Entitas Anak pada tanggal 31 Desember employment and current service cost of Subsidiary as of
2025 dan 2024: 31 December 2025 and 2024:
2025
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (49.111) 55.263 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 70.222 (63.257) Annual salary growth rate
2024*)
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (40.524) 45.624 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 58.550 (52.669) Annual salary growth rate
Aset program ADMF seluruhnya (100%) diinvestasikan dalam ADMF’s plan asset are fully (100%) invested in money
instrument pasar uang berupa deposito berjangka. market instruments in the form of time deposits.
Liabilitas imbalan kerja ADMF pada tanggal-tanggal ADMF’s employee benefits liability as of 31 December 2025
31 Desember 2025 dan 2024 telah sesuai dengan laporan and 2024 was in accordance with the independent actuarial
aktuaris independent masing-masing tertanggal 8 Januari report dated 8 January 2026 and 30 January 2025,
2026 dan 30 Januari 2025. respectively.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/150 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 735
Page 738
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
c. Imbalan kerja jangka panjang lainnya c. Other long-term employment benefits
Bank Bank
Nilai yang diakui dalam laporan laba rugi atas imbalan kerja Amounts recognized in statement of profit or loss in
jangka panjang lainnya adalah sebagai berikut: respects of the other long-term employment benefits are
as follows:
2025 2024
Diakui pada Laba Rugi Recognized in Profit or Loss
Beban jasa kini 18.453 15.377 Current service cost
Beban bunga atas kewajiban 8.623 6.876 Interest on obligation
Pengukuran kembali: Remeasurement:
Imbalan kerja jangka panjang lain 55.415 25.685 Other long term benefits
Jumlah yang diakui di laporan Total recognized in statement
laba rugi 82.491 47.938 of profit or loss
Perubahan nilai kini kewajiban imbalan kerja jangka The movements of the present value of other long-term
panjang lainnya adalah sebagai berikut: employment benefits are as follows:
2025 2024
Saldo pada awal tahun 142.900 106.856 Balance at beginning year
Beban jasa kini 18.453 15.377 Current service cost
Beban jasa lalu - Past service cost
Beban bunga 8.623 6.876 Interest expense
Imbalan yang dibayar (48.495) (11.894) Benefits paid
Pengukuran kembali: Remeasurement:
Effect of demographic
Efek perubahan asumsi demografik (1.764) - assumption changes
Perubahan dalam asumsi keuangan 52.917 22.974 Change in financial assumptions
Penyesuaian pengalaman 4.262 2.711 Experience adjustment
Saldo pada akhir tahun 176.896 142.900 Balance at end of year
Tabel berikut menunjukkan sensitivitas atas kemungkinan The following table demonstrates the sensitivity to a
perubahan tingkat suku bunga pasar, dengan variabel lain reasonably possible change in market interest rates, with
dianggap tetap, terhadap imbalan kerja jangka panjang all other variables held constant, of other long-term
lainnya dan beban jasa kini Bank pada tanggal employment benefits and current service cost of Bank as
31 Desember 2025 dan 2024: of 31 December 2025 and 2024:
2025
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (9.574) 10.730 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 1.795 (1.660) Annual salary growth rate
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Page 739
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
c. Imbalan kerja jangka panjang lainnya c. Other long-term employment benefits
Bank (lanjutan) Bank (continued)
2024
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (6.477) 7.218 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 1.693 (1.579) Annual salary growth rate
Entitas Anak Subsidiary
Nilai yang diakui dalam laporan laba rugi atas imbalan kerja Amounts recognized in statement of profit or loss in
jangka panjang lainnya adalah sebagai berikut: respects of the other long-term employment benefits are
as follows:
2025 2024
Diakui pada Laba Rugi Recognized in Profit or Loss
Beban jasa kini 6.449 6.237 Current service cost
Beban bunga atas kewajiban 2.984 2.814 Interest on obligation
Effect of financial
Efek perubahan asumsi keuangan 471 (573) Assumption changes
Efek penyesuaian pengalaman (683) 3.519 Effect of experience adjustment
Jumlah yang diakui di laporan Total recognized in statement of
laba rugi 9.221 11.997 profit or loss
Perubahan nilai kini kewajiban imbalan kerja jangka panjang The movements of the present value of obligation for other
lainnya adalah sebagai berikut: long-term employment benefits are as follows:
2025 2024
Saldo pada awal tahun 46.312 45.391 Balance at beginning year
Beban jasa kini 6.449 6.237 Current service cost
Beban bunga 2.984 2.814 Interest expense
Imbalan yang dibayar (8.284) (11.076) Benefits paid
Pengukuran kembali atas imbalan
pasca kerja: Remeasurement:
Perubahan dalam asumsi keuangan 471 (573) Change in financial assumptions
Experience adjustment on
Penyesuaian pengalaman kewajiban (683) 3.519 obligation
Saldo pada akhir tahun 47.249 46.312 Balance at end of year
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
43. DANA PENSIUN DAN IMBALAN KERJA LAINNYA 43. PENSION PLAN AND OTHER EMPLOYEE BENEFITS
(lanjutan) (continued)
c. Imbalan kerja jangka panjang lainnya (lanjutan) c. Other long-term employment benefits (continued)
Entitas Anak (lanjutan) Subsidiary (continued)
Tabel berikut menunjukkan sensitivitas atas kemungkinan The following table demonstrates the sensitivity to a
perubahan tingkat suku bunga pasar, dengan variabel lain reasonably possible change in market interest rates, with
dianggap tetap, terhadap imbalan kerja jangka panjang all other variables held constant, of other long-term
lainnya dan beban jasa kini Entitas Anak pada tanggal employment benefits and current service cost of Subsidiary
31 Desember 2025 dan 2024: as of 31 December 2025 and 2024:
2025
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (2.173) 2.377 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 2.501 (2.327) Annual salary growth rate
2024
Dampak atas kewajiban imbalan pasti/
Impact on defined benefit obligation
Perubahan Kenaikan Penurunan
asumsi/ asumsi/ asumsi/
Change in Increase in Decrease in
assumption assumption assumption
Asumsi ekonomi: Economic assumptions:
Tingkat diskonto per tahun 100 basis point (2.171) 2.375 Annual discount rate
Tingkat kenaikan penghasilan dasar 100 basis point 2.499 (2.324) Annual salary growth rate
Bank dan Entitas Anak Bank and Subsidiary
Tabel berikut ini adalah perubahan liabilitas imbalan pasca The following table shows the movements of the post
kerja Bank dan Entitas Anak pada tanggal 31 Desember employment benefits liability of the Bank and Subsidiary as
2025 dan 2024: of 31 December 2025 and 2024:
2025 2024*)
Saldo awal 2.311.597 2.269.410 Beginning balance
Beban tahun berjalan - neto 632.843 251.877 Current year expenses - net
Penghasilan komprehensif lain Other comprehensive income
selama tahun berjalan 3.125 7.822 during the year
Pembayaran kepada karyawan (343.959) (170.852) Payment to employees
Penempatan dana pada
perusahaan asuransi (aset Deposit fund to insurance company
program) (324.840) (100.000) (plan asset)
Efek merging entity - 53.340 Merging entity effect
Liabilitas yang diakui di laporan Liability recognized in consolidated
posisi keuangan konsolidasian 2.278.766 2.311.597 statement of financial position
Rata-rata durasi dari liabilitas imbalan pasca-kerja adalah The average of duration of the obligation for
4,77 tahun - 7,86 tahun (2024: 2,75 tahun - 8,23 tahun). post-employment benefits is 4.77 years - 7.86 years
(2024: 2.75 years - 8.23 years).
*) Disajikan kembali *) As restated
LAMPIRAN – 5/153 – SCHEDULE
738 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 741
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
44. PROGRAM KOMPENSASI JANGKA PANJANG 44. LONG-TERM COMPENSATION PROGRAM
Program Insentif Jangka Panjang ("LTIP") diberikan Bank The Long-Term Incentive Program (“LTIP”) which was
kepada Senior Executive secara selektif setiap tahun, berupa awarded by the Bank to the Senior Executives selectively
program retensi dalam bentuk kas yang diberikan sejak every year as a retention program in the form of cash which
tahun 2019 dengan masa tunggu 3 tahun dan pembayaran has been granted on 2019 with 3 years vesting period and
penuh akan dilakukan pada tahun ketiga. the full payment will be done in the third year.
Pada tanggal 31 Desember 2025 program LTIP yang masih As of 31 December 2025, the LTIP programs that are still
berjalan dan belum jatuh tempo adalah program yang ongoing and have not yet vested are those launched in
diluncurkan pada tahun 2023 dan 2024, yang 2023 and 2024, each of which will be settled in accordance
masing-masing akan selesai sesuai dengan periode with their respective predetermined payment schedules.
pembayaran yang telah ditetapkan.
Untuk tahun yang berakhir pada tanggal For the year ended 31 December 2025 the amount
31 Desember 2025 jumlah yang telah dicatat ke laba rugi recorded in profit and loss amounted to Rp81,329
tahun berjalan adalah sebesar Rp81.329 (2024: Rp86.555). (2024: Rp86,555).
45. LABA BERSIH PER SAHAM DASAR YANG 45. BASIC EARNINGS PER SHARE ATTRIBUTABLE TO
DIATRIBUSIKAN KEPADA PEMILIK ENTITAS INDUK EQUITY HOLDERS OF THE PARENT ENTITY
Laba bersih per saham dasar dihitung dengan membagi laba Basic earnings per share is calculated by dividing net
bersih dengan rata-rata tertimbang jumlah saham biasa yang income by the weighted average number of ordinary
beredar pada tahun bersangkutan. shares outstanding during the year.
2025 2024*)
Laba bersih yang diatribusikan Net income attributable to equity
kepada pemilik entitas induk 3.970.711 3.482.828 holders of the parent entity
Rata-rata tertimbang jumlah Weighted average number of
saham biasa yang beredar 9.773.552.870 9.773.552.870 ordinary shares outstanding
Laba bersih per saham dasar
yang diatribusikan Basic earnings per share
kepada pemilik entitas induk attributable to equity holders
(nilai penuh) 406,27 356,35 of the parent entity (full amount)
Laba bersih per saham dasar dan dilusian adalah sama, Basic and diluted earnings per share are the same,
karena Bank tidak memiliki potensi dilutif atas saham yang because the Bank does not have dilutive effect of issued
telah dikeluarkan. share.
46. KOMITMEN DAN KONTINJENSI 46. COMMITMENTS AND CONTINGENCIES
2025 2024
Liabilitas komitmen Commitment liabilities
- Fasilitas kredit kepada debitur Unused loan facilities to -
yang belum digunakan 5.867.306 4.898.230 debtors
- Irrevocable letters of credit Outstanding irrevocable -
yang masih berjalan 1.122.396 1.082.139 letters of credit
Jumlah liabilitas komitmen 6.989.702 5.980.369 Total commitment liabilities
Tagihan kontinjensi Contingent receivables
- Garansi dari bank lain 777.526 766.033 Guarantee from other banks -
Jumlah tagihan kontinjensi 777.526 766.033 Total contingent receivables
*) Disajikan kembali *) As restated
LAMPIRAN – 5/154 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 739
Page 742
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
46. KOMITMEN DAN KONTINJENSI (lanjutan) 46. COMMITMENTS AND CONTINGENCIES (continued)
2025 2024
Liabilitas kontinjensi Contingent liabilities
- Garansi yang diterbitkan Guarantees issued in the -
dalam bentuk: form of:
- Garansi Bank 8.518.172 7.139.369 Bank guarantees -
- Standby letters of credit 1.352.342 1.180.186 Standby letters of credit -
Jumlah liabilitas kontinjensi 9.870.514 8.319.555 Total contingent liabilities
Liabilitas kontinjensi - neto 9.092.988 7.553.522 Contingent liabilities - net
Liabilitas komitmen dan Commitment and
kontinjensi - neto 16.082.690 13.533.891 contingent liabilities - net
Liabilitas komitmen Commitment liabilities
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024
Rupiah Rupiah
Irrevocable letters of credit Outstanding irrevocable
yang masih berjalan 317.745 168.021 letters of credit
Fasilitas kredit kepada debitur Unused loan facilities
yang belum digunakan 4.745.912 3.823.889 to debtors
5.063.657 3.991.910
Mata uang asing Foreign currencies
Irrevocable letters of credit Outstanding irrevocable
yang masih berjalan 804.651 914.118 letters of credit
Fasilitas kredit kepada debitur Unused loan facilities
yang belum digunakan 1.121.394 1.074.341 to debtors
1.926.045 1.988.459
Jumlah 6.989.702 5.980.369 Total
b. Berdasarkan kolektibilitas OJK b. By OJK collectibility
Kolektibilitas liabilitas komitmen sesuai dengan Collectibility of commitment liabilities in accordance
peraturan OJK diungkapkan pada Catatan 59j. with the OJK regulation are disclosed in Note 59j.
Liabilitas kontinjensi Contingent liabilities
a. Berdasarkan jenis dan mata uang a. By type and currency
2025 2024
Rupiah Rupiah
Garansi yang diterbitkan Guarantees issued in the
dalam bentuk: form of:
- Garansi Bank 8.340.798 6.759.423 Bank guarantees -
- Standby letters of credit 683.692 624.536 Standby letters of credit -
9.024.490 7.383.959
Mata uang asing Foreign currencies
Garansi yang diterbitkan Guarantees issued in the
dalam bentuk: form of:
- Garansi Bank 177.374 379.946 Bank guarantees -
- Standby letters of credit 668.650 555.650 Standby letters of credit -
846.024 935.596
Jumlah 9.870.514 8.319.555 Total
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
46. KOMITMEN DAN KONTINJENSI (lanjutan) 46. COMMITMENTS AND CONTINGENCIES (continued)
Liabilitas kontinjensi (lanjutan) Contingent liabilities (continued)
b. Berdasarkan kolektibilitas OJK b. By OJK collectibility
Kolektibilitas liabilitas kontinjensi sesuai dengan Collectibility of contingent liabilities in accordance with
peraturan OJK diungkapkan pada Catatan 59j. the OJK regulation are disclosed in Note 59j.
Selain itu, Bank menghadapi berbagai kasus hukum yang In addition, the Bank is a party to various unresolved
belum terselesaikan, tuntutan administrasi, dan gugatan legal actions, administrative proceedings, and claims in
sehubungan dengan kegiatan usaha Bank. Tidak the ordinary course of its business. It is not possible to
memungkinkan bagi Bank untuk memperkirakan dengan predict with certainty whether or not the Bank will
pasti apakah Bank akan berhasil dalam setiap kasus ultimately be successful in any of these legal matters or,
hukum tersebut, atau jika tidak, dampak yang mungkin if not, what the impact might be.
timbul.
Perikatan Penting Significant Agreement
Pada tanggal 13 Januari 2023, Bank telah On 13 January 2023, the Bank has signed agreement
menandatangani perjanjian penempatan dana pada regarding placement to MUFG Innovation Partners
MUFG Innovation Partners Garuda No.1 Investment Garuda No.1 Investment Limited Partnership (Venture
Limited Partnership (Dana Ventura) sebagai mitra terbatas Capital Fund) as Limited Partners (the General Partners
(Limited Partner) (General Partner pendanaan ini adalah of the Fund is MUFG Innovation Partners, MUIP) with
MUFG Innovation Partners, MUIP) dengan total komitmen total commitment of USD10,000,000 (10% of total initial
sebesar USD10.000.000 (10% dari total pendanaan). Fund size). Up to the reporting date, the Bank has
Sampai dengan tanggal pelaporan, Bank telah melakukan executed four capital calls amounted to USD5,000,000
empat kali penempatan dana sejumlah USD5.000.000 (full amount).
(nilai penuh).
Pada tanggal 12 Agustus 2024, Bank telah On 12 August 2024, the Bank has signed Shareholders
menandatangani Perjanjian Antar Pemegang Saham Agreement related to Establishment and Development
(PAPS) mengenai Kerja Sama Pembentukan dan of Central Counterparty (CCP) in PT Kliring Penjaminan
Pengembangan Central Counterparty (CCP) pada Efek Indonesia (KPEI) together with PT Bursa Efek
PT Kliring Penjaminan Efek (KPEI) bersama dengan Indonesia (BEI), Bank Indonesia (BI), KPEI and other 7
PT Bursa Efek Indonesia (BEI), Bank Indonesia (BI), KPEI banks.
dan 7 bank umum lainnya.
Penyetoran modal sebesar Rp20.000 pada KPEI telah Investment of Rp20,000 has been completed on
dilakukan pada 25 September 2024 dan Bank telah resmi 25 September 2024 and the Bank has officially been a
menjadi pemegang saham minoritas KPEI efektif per minority shareholder of KPEI effective as of
tanggal 26 September 2024 berdasarkan Anggaran Dasar 26 September 2024 according to Articles of Association
KPEI yang dimuat dalam Akta Notaris No.05 tanggal of KPEI contained in Notarial Act No.05 dated
26 September 2024 dan SK Menkumham RI 26 September 2024 and SK Menkumham RI
No.AHU-0061216.AH.01.02 tahun 2024. No.AHU-0061216.AH.01.02 year 2024.
Pada tanggal 28 Oktober 2025, Bank telah On 28 October 2025, the Bank has signed a Tokumei
menandatangani perjanjian Tokumei Kumia (TK) Kumia (TK) agreement regarding placement to Japan
mengenai penempatan dana pada Thematic Fund (Dana Thematic Fund (a Venture Fund) as TK Investor
Ventura) sebagai TK Investor (Limited Partner). (Limited Partner). The fund has initial size of
Pendanaan awal sebesar USD25.000.000 (nilai penuh) USD25,000,000 (full amount) with potential increase up
dengan kemungkinan meningkat sampai dengan to USD100,000,000 (full amount), and is managed by
USD100.000.000 (nilai penuh), dan dikelola oleh Living Living Lab Ventures and Spiral Ventures (Fund
Lab Ventures and Spiral Ventures (Fund Managers). Total Managers). The Bank’s total commitment is 19.90% of
komitmen Bank adalah 19,90% dari total penempatan the total fund size, or up to USD10,000,000 (whichever
dana atau sampai dengan USD10.000.000 (nilai penuh) is smaller). Up to the reporting date, the Bank has
(yang mana yang lebih kecil). Sampai dengan tanggal executed the 1st capital call amounted to USD746,250
Pelaporan, Bank telah melakukan penempatan dana (full amount).
pertama sejumlah USD746.250 (nilai penuh).
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 741
Page 744
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
46. KOMITMEN DAN KONTINJENSI (lanjutan) 46. COMMITMENTS AND CONTINGENCIES (continued)
Perikatan Penting (lanjutan) Significant Agreement (continued)
Pada tanggal 7 November 2025, ADMF telah On 7 November 2025, ADMF signed the Deed of
menandatangani Akta Perjanjian Pengalihan Piutang Receivable Transfer Agreement with PT Arthaasia
dengan PT Arthaasia Finance ("AAF") untuk mengakuisisi Finance ("AAF") to acquire AAF's vehicle loan portofolio
portofolio pinjaman kendaraan milik AAF dengan nilai with payment of Rp1,063,937 comprising consumer
pembayaran sebesar Rp1.063.937 yang terdiri atas financing receivables of Rp840,823 and finance lease
piutang pembiayaan konsumen sebesar Rp840.823 dan receivables of Rp223,114. The transaction price
piutang sewa pembiayaan sebesar Rp223.114. Nilai represents the fair value of the transferred receivables.
transaksi tersebut mencerminkan nilai wajar piutang yang Upon initial recognition, the majority of the acquired
dialihkan. Pada saat pengakuan awal, mayoritas piutang receivables were classified in Stage 1.
yang dibeli diklasifikasikan dalam Stage 1.
47. INFORMASI MENGENAI PIHAK BERELASI 47. RELATED PARTIES INFORMATION
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties*) Nature of relationship Nature of transaction
Komisaris, direksi, dan personil Pengawas, pengurus dan karyawan Pinjaman yang diberikan, Simpanan dana dan
manajemen kunci/Commissioners, kunci/Oversight team, management, remunerasi/Loans, Deposit fund and remuneration
directors, and key management and key management personnel
personnel
MUFG Bank, Ltd. Pemegang saham/Shareholder Penempatan dana, Tagihan derivatif, Tagihan
akseptasi, Aset lain-lain, Simpanan dana, Liabilitas
derivatif, Utang akseptasi, Pinjaman yang diterima,
Pinjaman subordinasi dan Liabilitas lain-lain/Fund
placements, Derivatives receivable, Acceptance
receivable, Other assets, Deposit fund, Derivative
payable, Acceptance payable, Borrowings,
Subordinated loan and Other liabilities
PT Zurich Asuransi Indonesia Tbk Entitas Asosiasi/Associate Entity Aset lain-lain, Simpanan dana, Utang obligasi dan
Liabilitas lain-lain/Other assets, Deposit fund,
Bonds payable and Other liabilities
PT Zurich General Takaful Indonesia Dimiliki oleh entitas asosiasi /Owned by Aset lain-lain, Simpanan dana, Sukuk mudharabah
associate entity dan Liabilitas lain-lain /Other assets, Deposit fund,
Mudharabah bonds and Other liabilities
PT JACCS MPM Finance Indonesia Dimiliki oleh pemegang saham pengendali Efek-efek, Pinjaman yang diberikan, Tagihan
yang sama dengan MUFG Bank, Ltd./ derivatif, Aset lain-lain, Simpanan dana dan
Owned by the same controlling shareholder Liabilitas derivatif/Marketable securities, Loans,
of MUFG Bank, Ltd. Derivative receivables, Other asset, Deposit fund
and Derivatives liabilities
Bank of Ayudhya Public Company, Ltd. Dimiliki oleh pemegang saham pengendali Penempatan dana, Simpanan dana, Utang
yang sama dengan MUFG Bank, Ltd./ akseptasi dan liabilitas derivatif/Fund placements,
Owned by the same controlling shareholder Deposit fund, Acceptance payables and Derivative
of MUFG Bank, Ltd. liabilities
PT Guna Dharma Dimiliki oleh pemegang saham pengendali Simpanan dana/Deposit fund
yang sama dengan MUFG Bank, Ltd./
Owned by the same controlling shareholder
of MUFG Bank, Ltd.
MUFG Innovation Partner Garuda No. 1 Dimiliki oleh pemegang saham pengendali Efek-efek/Marketable securities
Investment limited partnership yang sama dengan MUFG Bank, Ltd./
Owned by the same controlling shareholder
of MUFG Bank, Ltd.
LAMPIRAN – 5/157 – SCHEDULE
742 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 745
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
47. INFORMASI MENGENAI PIHAK BERELASI (lanjutan) 47. RELATED PARTIES INFORMATION (continued)
Pihak berelasi/ Sifat dari hubungan/ Sifat dari transaksi/
Related parties*) Nature of relationship Nature of transaction
Security Bank Corporation Dimiliki oleh pemegang saham pengendali Tagihan akseptasi/Acceptance receivables
yang sama dengan MUFG Bank, Ltd./
Owned by the same controlling shareholder
of MUFG Bank, Ltd.
PT Home Credit Indonesia Dimiliki oleh MUFG Bank, Ltd melalui Bank Pinjaman yang diberikan, Investasi dalam
of Ayudhya Public Company Limited dan saham, Aset lain-lain dan Simpanan dana/Loans,
PT Adira Dinamika Multifinance Tbk/ Investment in shares, Other asset and Deposit
Owned by MUFG Bank, Ltd. through fund
Bank of Ayudhya Public Company Limited
and PT Adira Dinamika Multifinance Tbk.
PT General Integrated Company Dimiliki oleh keluarga Komisaris/Owned by Simpanan dana dan Liabilitas lain-lain/Deposit fund
Commissioner’s family and Other liabilities
Morgan Stanley & Co International Ltd Dimiliki oleh MUFG Bank, Ltd melalui Tagihan derivatif/Derivative receivables
Morgan Stanley/Owned by MUFG Bank, Ltd
through Morgan Stanley
*) Berdasarkan PSAK 224/Peraturan Bank Indonesia *) According to PSAK 224 /Bank Indonesia’s Regulation
2025 2024*)
Aset Assets
Giro pada bank lain – neto Current accounts with other banks – net
MUFG Bank, Ltd. 129.680 80.718 MUFG Bank, Ltd.
Bank of Ayudhya Public Company, Ltd. 1.386 397 Bank of Ayudhya Public Company, Ltd.
131.066 81.115
Persentase terhadap jumlah aset 0,05% 0,03% Percentage to total assets
Efek-efek Marketable securities
MUFG Innovation Partners Garuda MUFG Innovation Partners Garuda
No.1 Investment limited partnership 74.334 48.285 No. 1 Investment limited partnership
PT JACCS MPM Finance Indonesia - 100.015 PT JACCS MPM Finance Indonesia
74.334 148.300
Persentase terhadap jumlah aset 0,03% 0,06% Percentage to total assets
Pinjaman yang diberikan – neto Loans – net
PT JACCS MPM Finance Indonesia 91.765 222.697 PT JACCS MPM Finance Indonesia
PT Home Credit Indonesia 414.599 948.776 PT Home Credit Indonesia
Komisaris dan karyawan kunci 68.330 64.428 Commissioners and key management
574.694 1.235.901
Persentase terhadap jumlah aset 0,21% 0,50% Percentage to total assets
Tagihan derivatif Derivatives receivables
MUFG Bank, Ltd. 7.316 7.013 MUFG Bank, Ltd.
PT JACCS MPM Finance Indonesia 196 2.652 PT JACCS MPM Finance Indonesia
Morgan Stanley & Co International Ltd 14 - Morgan Stanley & Co International Ltd
7.526 9.665
Persentase terhadap jumlah aset 0,00% 0,00% Percentage to total assets
*) Disajikan kembali *) As restated
LAMPIRAN – 5/158 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 743
Page 746
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
47. INFORMASI MENGENAI PIHAK BERELASI (lanjutan) 47. RELATED PARTIES INFORMATION (continued)
2025 2024*)
Tagihan Akseptasi Acceptance receivables
Security Bank Corporation 72.020 149.801 Security Bank Corporation
MUFG Bank, Ltd. 4.069 20.507 MUFG Bank, Ltd.
76.089 170.308
Persentase terhadap jumlah aset 0,03% 0,07% Percentage to total assets
Investasi dalam saham Investment in shares
PT Home Credit Indonesia 420.717 396.870 PT Home Credit Indonesia
Persentase terhadap jumlah aset 0,15% 0,16% Percentage to total assets
Beban dibayar dimuka dan aset lain-lain Prepayments and other assets
PT Zurich Asuransi Indonesia Tbk 86.636 76.233 PT Zurich Asuransi Indonesia Tbk
PT Zurich General Takaful Indonesia 11.404 8.974 PT Zurich General Takaful Indonesia
PT Home Credit Indonesia 505 1.529 PT Home Credit Indonesia
PT JACCS MPM Finance Indonesia 109 314 PT JACCS MPM Finance Indonesia
MUFG Bank, Ltd. - 2.203 MUFG Bank, Ltd.
98.654 89.253
Persentase terhadap jumlah aset 0,04% 0,04% Percentage to total assets
Liabilitas Liabilities
Simpanan nasabah Deposits from customers
Giro 321.131 386.254 Current Accounts
Tabungan 87.845 100.535 Savings
Deposito berjangka 166.663 124.331 Time deposits
575.639 611.120
Persentase terhadap jumlah liabilitas 0,26% 0,32% Percentage to total liabilities
Simpanan dari bank lain Deposit for other banks
MUFG Bank, Ltd. 99.228 97.821 MUFG Bank, Ltd.
Bank of Ayudhya Public Company, Ltd. 1.069 478 Bank of Ayudhya Public Company, Ltd.
100.297 98.299
Persentase terhadap jumlah liabilitas 0,05% 0,05% Percentage to total liabilities
Utang akseptasi Acceptance payables
MUFG Bank, Ltd. 19.353 23.340 MUFG Bank, Ltd.
Bank of Ayudhya Public Company, Ltd. 5.628 17.729 Bank of Ayudhya Public Company, Ltd
24.981 41.069
Persentase terhadap jumlah liabilitas 0,01% 0,02% Percentage to total liabilities
Liabilitas derivatif Derivative liabilities
MUFG Bank, Ltd. 49.134 10.304 MUFG Bank, Ltd.
PT JACCS MPM Finance Indonesia 2.001 1.637 PT JACCS MPM Finance Indonesia
Bank of Ayudhya Public Company, Ltd. 22 - Bank of Ayudhya Public Company, Ltd.
51.157 11.941
Persentase terhadap jumlah liabilitas 0,02% 0,01% Percentage to total liabilities
Utang obligasi Bonds payable
PT Zurich Asuransi Indonesia Tbk 110.000 110.000 PT Zurich Asuransi Indonesia Tbk
Persentase terhadap jumlah liabilitas 0,05% 0,06% Percentage to total liabilities
Sukuk mudharabah Mudharabah bonds
PT Zurich General Takaful Indonesia 30.000 30.000 PT Zurich General Takaful Indonesia
Persentase terhadap jumlah liabilitas 0,01% 0,02% Percentage to total liabilities
Pinjaman yang diterima Borrowings
MUFG Bank, Ltd. 4.647.677 5.600.836 MUFG Bank, Ltd.
Persentase terhadap jumlah liabilitas 2,13% 2,94% Percentage to total liabilities
*) Disajikan kembali *) As restated
LAMPIRAN – 5/159 – SCHEDULE
744 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 747
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
47. INFORMASI MENGENAI PIHAK BERELASI (lanjutan) 47. RELATED PARTIES INFORMATION (continued)
2025 2024*)
Pinjaman subordinasi Subordinated loan
MUFG Bank, Ltd. 25.000 25.000 MUFG Bank, Ltd.
Persentase terhadap jumlah liabilitas 0,01% 0,01% Percentage to total liabilities
Beban yang masih harus dibayar dan
liabilitas lain-lain Accruals and other liabilities
PT Zurich Asuransi Indonesia Tbk 1.231.463 1.246.122 PT Zurich Asuransi Indonesia Tbk
PT Zurich General Takaful Indonesia 39.381 28.675 PT Zurich General Takaful Indonesia
MUFG Bank, Ltd. 34.836 45.344 MUFG Bank, Ltd.
PT General Integrated Company - 48 PT General Integrated Company
1.305.680 1.320.189
Persentase terhadap jumlah liabilitas 0,60% 0,68% Percentage to total liabilities
Pendapatan dan Beban Income and Expenses
Pendapatan bunga Interest income
PT Home Credit Indonesia 42.198 64.234 PT Home Credit Indonesia
PT JACCS MPM Finance Indonesia 7.955 19.364 PT JACCS MPM Finance Indonesia
Komisaris, direksi, dan Commissioners, directors, and
personil manajemen kunci 3.669 3.502 key management personnel
PT General Integrated Company 21 43 PT General Integrated Company
MUFG Bank, Ltd. 1 10 MUFG Bank, Ltd.
53.844 87.153
Persentase terhadap jumlah pendapatan bunga 0,21% 0,36% Percentage to total interest income
Beban bunga Interest expense
MUFG Bank, Ltd. 275.382 340.403 MUFG Bank, Ltd.
PT Zurich Asuransi Indonesia Tbk 9.369 9.018 PT Zurich Asuransi Indonesia Tbk
Komisaris, direksi, dan personil Commissioners, directors, and key
manajemen kunci 6.819 7.216 management personnel
PT Zurich General Takaful Indonesia 2.009 2.016 PT Zurich General Takaful Indonesia
PT Home Credit Indonesia 1.463 2.503 PT Home Credit Indonesia
PT JACCS MPM Finance Indonesia 971 1.019 PT JACCS MPM Finance Indonesia
PT Guna Dharma 150 137 PT Guna Dharma
PT Indosat Ooredoo Hutchison - 7.664 PT Indosat Ooredoo Hutchison
296.163 369.976
Persentase terhadap jumlah beban bunga 3,69% 5,04% Percentage to total interest expense
Imbalan jasa lain Other fees
PT Zurich Asuransi Indonesia Tbk 95.803 100.859 PT Zurich Asuransi Indonesia Tbk
PT Zurich General Takaful Indonesia 9.302 4.631 PT Zurich General Takaful Indonesia
MUFG Bank, Ltd. 33 254 MUFG Bank, Ltd.
105.138 105.744
Persentase terhadap jumlah imbalan jasa lain 4,39% 4,25% Percentage to total other fees
Beban tenaga kerja dan tunjangan Salaries and employee benefits
atas Komisaris, direksi, dan of the Bank’s and Subsidiary
personil manajemen kunci Bank Commissioners, directors, and
dan Entitas Anak: key management personnel:
Imbalan kerja jangka pendek 552.570 537.066 Short-term employee benefits
Imbalan kerja jangka panjang lainnya 59.414 71.457 Other long-term employee benefits
Imbalan pasca-kerja 32.859 38.344 Post-employment benefits
Pesangon pemutusan kontrak kerja - 3.754 Working termination benefit
644.843 650.621
Persentase terhadap jumlah beban tenaga Percentage to total salaries
kerja dan tunjangan 8,84% 9,54% and employee benefits
*) Disajikan kembali *) As restated
LAMPIRAN – 5/160 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 745
Page 748
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
47. INFORMASI MENGENAI PIHAK BERELASI (lanjutan) 47. RELATED PARTIES INFORMATION (continued)
Selama tahun yang berakhir pada tanggal During the year ended 31 December 2025 and 2024, no
31 Desember 2025 dan 2024, tidak terdapat kerugian impairment losses have been recorded on outstanding
penurunan nilai atas saldo transaksi dengan personil balances due from key management personnel, and as of
manajemen kunci, dan pada tanggal 31 Desember 2025 dan 31 December 2025 and 2024, there was no specific
2024, tidak ada penyisihan khusus yang dibuat untuk allowance made for impairment losses on balances with
kerugian penurunan nilai atas transaksi dengan personil key management personnel and their immediate relatives
manajemen kunci dan kerabat dekat mereka.
Transaksi dengan pihak-pihak berelasi dilakukan dengan Transactions with related parties are conducted with
kebijakan harga dan syarat normal, sebagaimana dilakukan normal pricing policy and conditions similar with those of
dengan pihak yang tidak berelasi, kecuali pinjaman yang third parties, except for loans to the Bank’s employees.
diberikan kepada karyawan Bank.
48. KEPENTINGAN NON-PENGENDALI 48. NON-CONTROLLING INTERESTS
Kepentingan non-pengendali atas aset neto Entitas Anak The movements of the non-controlling interests’ share in
adalah sebagai berikut: the net assets of the Subsidiary are as follows:
2025 2024*)
Kepentingan non-pengendali Non-controlling interests at
pada awal tahun 1.503.254 722.751 the beginning of year
Dampak dari penggabungan usaha
Entitas anak 2.064.233 649.101 Impact from merger of Subsidiary
Bagian kepentingan non-pengendali Net income for the year attributable
atas laba bersih tahun berjalan 223.526 212.176 to non-controlling interests
Bagian kepentingan non-pengendali Remeasurement of obligation for
atas pengukuran kembali liabilitas post-employment benefits to
imbalan pasca kerja 12.764 (3.612) non-controlling interest
Bagian kepentingan non-pengendali atas Effective portion on investment
investasi pada saham diukur pada in shares measured at fair value
nilai wajar melalui through other comprehensive
penghasilan komprehensif lain 6.651 760 income to non-controlling interests
Bagian kepentingan non-pengendali atas Losses from effective portion
kerugian dari bagian on derivative instruments for
efektif atas instrument derivatif untuk cash flow hedges attributable to
lindung nilai arus kas (12.101) (842) non-controlling interests
Pembagian dividen (55.748) (77.080) Dividend distribution
Kepentingan non-pengendali pada Non-controlling interests at
akhir tahun 3.742.579 1.503.254 the end of year
*) Disajikan kembali *) As restated
LAMPIRAN – 5/161 – SCHEDULE
746 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 749
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
49. INFORMASI SEGMEN OPERASI 49. OPERATING SEGMENT INFORMATION
Informasi yang berkaitan dengan segmen usaha utama Information concerning the main business segments as a
secara konsolidasian disajikan dalam tabel di bawah ini: consolidated entity is set out in the table below:
2025
Retail1) Wholesale2) Jumlah/Total
Hasil Segmen Segment Results
Pendapatan bunga neto 12.713.617 5.210.137 17.923.754 Net interest income
Pendapatan selain bunga 3.411.683 1.643.564 5.055.247 Non-interest income
Jumlah pendapatan
operasional 16.125.300 6.853.701 22.979.001 Total operating income
Beban operasional (10.300.109) (2.873.098) (13.173.207) Operating expenses
Beban atas kredit (4.171.360) (176.232) (4.347.592) Cost of credit
(Beban)/pendapatan Non-operating
bukan operasional - neto (99.223) 27.674 (71.549) (expenses)/income - net
Laba sebelum pajak
penghasilan 1.554.608 3.832.045 5.386.653 Income before income tax
Beban pajak penghasilan (1.192.416) Income tax expense
Laba bersih 4.194.237 Net income
2025
Retail1) Wholesale2) Jumlah/Total
Aset Segmen: Segment Assets:
Pinjaman yang diberikan, Loans, consumer financing
Piutang pembiayaan konsumen, receivables, and investment in
piutang sewa pembiayaan finance leases excluding
tidak termasuk piutang bunga 85.133.731 125.755.672 210.889.403 interest receivables
Aset tresuri - 48.316.681 48.316.681 Treasury assets
85.133.731 174.072.353 259.206.084
Aset yang tidak dapat dialokasi 16.508.283 Unallocated assets
Jumlah aset 275.714.367 Total assets
Liabilitas Segmen: Segment Liabilities:
Pendanaan 77.875.573 98.996.188 176.871.761 Funding
Liabilitas tresuri - 27.832.325 27.832.325 Treasury liabilities
77.875.573 126.828.513 204.704.086
Liabilitas yang tidak dapat dialokasi 12.998.212 Unallocated liabilities
Jumlah liabilitas 217.702.298 Total liabilities
LAMPIRAN – 5/162 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 747
Page 750
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
49. INFORMASI SEGMEN OPERASI (lanjutan) 49. OPERATING SEGMENT INFORMATION (continued)
Informasi yang berkaitan dengan segmen usaha utama Information concerning the main business segments as a
secara konsolidasian disajikan dalam tabel di bawah ini consolidated entity is set out in the table below (continued):
(lanjutan):
2024*)
Retail1) Wholesale2) Jumlah/Total
Hasil Segmen Segment Results
Pendapatan bunga neto 12.419.926 4.735.994 17.155.920 Net interest income
Pendapatan selain bunga 3.473.705 1.191.184 4.664.889 Non-interest income
Jumlah pendapatan
operasional 15.893.631 5.927.178 21.820.809 Total operating income
Beban operasional (9.484.345) (2.718.788) (12.203.133) Operating expenses
Beban atas kredit (4.386.281) (468.577) (4.854.858) Cost of credit
Beban bukan operasional - neto (73.674) 28.496 (45.178) Non-operating expenses - net
Laba sebelum pajak
penghasilan 1.949.331 2.768.309 4.717.639 Income before income tax
Beban pajak penghasilan (1.022.635) Income tax expense
Laba bersih 3.695.004 Net income
2024*)
Retail1) Wholesale2) Jumlah/Total
Aset Segmen: Segment Assets:
Pinjaman yang diberikan, Loans, consumer financing
Piutang pembiayaan konsumen, receivables, and investment in
piutang sewa pembiayaan finance leases excluding
tidak termasuk piutang bunga 82.700.826 109.330.964 192.031.790 interest receivables
Aset tresuri - 40.835.532 40.835.532 Treasury assets
82.700.826 150.166.496 232.867.322
Aset yang tidak dapat dialokasi 15.100.070 Unallocated assets
Jumlah aset 247.967.392 Total assets
Liabilitas Segmen: Segment Liabilities:
Pendanaan 76.585.696 76.536.781 153.122.477 Funding
Liabilitas tresuri - 26.414.464 26.414.464 Treasury liabilities
76.585.696 102.951.245 179.536.941
Liabilitas yang tidak dapat dialokasi 13.611.607 Unallocated liabilities
Jumlah liabilitas 193.148.548 Total liabilities
1)
Retail terdiri dari produk dan jasa (termasuk fasilitas kredit yang 1)
Retail consists of products and services (includes loans, deposits
diberikan, simpanan dan transaksi-transaksi lain) yang diberikan and other transactions) for individual customer and balances with
kepada nasabah individual serta saldo atas nasabah retail. retail customer.
2)
Wholesale terdiri dari produk dan jasa (termasuk kredit yang 2)
Wholesale consists of products and services (includes loans,
diberikan, simpanan dan transaksi-transaksi lain) yang diberikan deposit, and other transaction) for the small-medium enterprise,
kepada nasabah usaha kecil dan menengah, komersial, korporasi, commercial, corporate, financial institution customers, and
institusi keuangan, dan kegiatan tresuri. treasury activities.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/163 – SCHEDULE
748 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 751
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN 50. FINANCIAL RISK MANAGEMENT
Bank melakukan pengelolaan risiko yang terdiri dari Risiko The Bank manages risks which consists of Credit Risk,
Kredit, Risiko Pasar, Risiko Likuiditas dan Risiko Operasional Market Risk, Liquidity Risk and Operational Risk as
yang diuraikan pada huruf b sampai dengan huruf e dibawah described in letter b to letter e below. The explanation
ini. Uraian ini menyajikan informasi mengenai eksposur Bank describes information about the Bank’s exposure to
terhadap risiko-risiko tersebut termasuk tujuan, kebijakan dan those risks including the objectives, policies and process
proses yang dilakukan oleh Bank dalam mengukur dan which are done by the Bank in measuring and managing
mengelola risiko. Selain itu, Bank juga melakukan the risks. In addition, the Bank also manages other risks
pengelolaan terhadap risiko lainnya, yaitu Risiko Kepatuhan, such as Compliance Risk, Strategic Risk, Legal Risk,
Risiko Stratejik, Risiko Hukum, Risiko Reputasi dan Risiko Reputation Risk and Sharia related Risk (Investment
terkait dengan Syariah (Risiko Investasi dan Risiko Imbal Risk and Rate of Return Risk). While for risk management
Hasil). Sedangkan untuk pengelolaan risiko terkait dengan related to financial conglomeration, the managed risks
konglomerasi keuangan, risiko yang dikelola termasuk Risiko include Intra-Group Transaction Risk.
Transaksi Intra-Grup.
Metodologi Methodology
Metodologi perhitungan pencadangan kerugian kredit The methodology for calculating the provisioning of
ekspetasian (KKE) menggunakan metode expected loss expected credit loss (ECL) is forward-looking credit loss
bersifat forward-looking, dimana memperkirakan estimasi method, which estimates the estimated risk of financial
risiko instrumen keuangan sejak pengakuan awal instruments since initial recognition using forward-
menggunakan informasi forward-looking seperti proyeksi looking information such as macroeconomic projections
makroekonomi pertumbuhan ekonomi, inflasi, tingkat suku of economic growth, inflation, interest rates, and
bunga, dan nilai tukar mata uang di setiap tanggal pelaporan, currency exchange rates at each reporting date, also
serta penetapan probability-weighted dari multiple skenario probability-weighted determination of multiple
makroekonomi. macroeconomic scenarios.
Hingga tahun berjalan, Bank melakukan pengkinian data- Until the current year, the Bank is updating the data and
data dan penilaian/kajian model pada metodologi assessing/reviewing the model regularly on the ECL
perhitungan KKE secara berkala untuk menyesuaikan calculation methodology to adjust with current
kondisi dan informasi data terkini. conditions and data information.
a. Kerangka manajemen risiko a. Risk management framework
Organisasi manajemen risiko Bank melibatkan The organization of the Bank’s risk management
pengawasan dari Dewan Komisaris dan Direksi. involves oversight from the Board of
Komite Pemantau Risiko merupakan komite risiko Commissioners and the Board of Directors. The
tertinggi di tingkat Dewan Komisaris yang Risk Oversight Committee is a highest risk
bertanggung jawab untuk memberikan pengawasan committee at the Board of Commissioners’ level
atas pelaksanaan strategi dan kebijakan manajemen who are responsible to oversight the
risiko serta mengevaluasi pelaksanaan tugas Komite implementation of risk management strategies and
Manajemen Risiko dan satuan kerja manajemen policies and evaluate implementation of duties of
risiko Bank dan Entitas Anak. the Risk Management Committee and risk
management working unit in the Bank and
Subsidiary.
Dewan Komisaris mendelegasikan wewenang The Board of Commissioners delegate authority to
kepada Direksi untuk mengimplementasikan strategi the Board of Directors to implement the risk
manajemen risiko. Komite Manajemen Risiko management strategy. The Risk Management
dibentuk pada tingkat Direksi dan bertanggungjawab Committee is established at the Board of Directors’
untuk memberikan rekomendasi kepada Direktur level and is responsible in providing
Utama dan Direktur lainnya dalam mengembangkan recommendation to the President Director and
strategi dan kebijakan manajemen risiko, mengelola other Directors for developing the risk management
risiko secara keseluruhan di Bank dan Entitas Anak, strategy and policy, managing overall risk in the
serta perbaikan atas pelaksanaan strategi, kebijakan Bank and Subsidiary, and improving the
dan evaluasi atas permasalahan risiko yang implementation of strategies, policies and
signifikan. evaluating significant risk issues.
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 749
Page 752
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
a. Kerangka manajemen risiko (lanjutan) a. Risk management framework (continued)
Komite Manajemen Risiko diketuai oleh Direktur The Risk Management Committee is chaired by the
Utama. Khusus untuk unit usaha syariah, selain President Director. Specifically for sharia business
pengawasan dari Direksi dan Dewan Komisaris, unit, in addition to oversight from Board of Directors
penerapan manajemen risiko juga melibatkan and Board of Commissioners, risk management
pengawasan aktif Dewan Pengawas Syariah (DPS) implementation involves active monitoring of Sharia
terkait dengan pemenuhan Prinsip Syariah. Supervisory Board (DPS) related to fulfillment of
sharia principle.
Selain itu, sejalan dengan Peraturan OJK tentang In addition, in line with the OJK Regulation on
Manajemen Risiko Terintegrasi untuk Konglomerasi Integrated Risk Management of Financial
Keuangan dan Peraturan OJK tentang Konglomerasi Conglomeration and OJK Regulation regarding
Keuangan (KK) dan Perusahaan Induk Financial Conglomeration (“FC”) and Financial
Konglomerasi Keuangan (PIKK), Bank juga telah Conglomeration Holding Company (“PIKK”), the Bank
membentuk Komite Manajemen Risiko Terintegrasi established an Integrated Risk Management
yang diketuai oleh Direktur Manajemen Risiko PIKK Committee which is chaired by the Risk Management
dan anggota tetap terdiri dari beberapa Direktur Director of the PIKK and the permanent members
terkait dari PIKK, Direktur yang ditunjuk dari Entitas consist of several related Directors of the PIKK,
Anggota serta Pejabat Eksekutif terkait dari PIKK. appointed Director from Entity Member and related
Fungsi utama Komite Manajemen Risiko Terintegrasi Executive Officers from PIKK. The main function of
adalah memberikan rekomendasi kepada Direksi Integrated Risk Management Committee is to provide
Bank sebagai PIKK terkait dengan penyusunan, recommendation to the Bank’s Board of Directors as
perbaikan atau penyempurnaan Kebijakan PIKK regarding the preparation, improvement or
Manajemen Risiko Terintegrasi berdasarkan hasil enhancement of the Integrated Risk Management
evaluasi pelaksanaan, evaluasi atas efektivitas Policy based on the evaluation of the implementation,
penerapan kebijakan, kerangka dan pedoman evaluation of the effectiveness of the implementation
manajemen risiko terintegrasi, dan penilaian risiko of integrated risk management policies, frameworks
utama yang ada di entitas dan seluruh entitas dalam and guidelines, and assessment of key risks in the
Konglomerasi Keuangan beserta formulasi strategi entities and across entities within Financial
untuk mengatasi isu risiko yang ada dan yang Conglomeration including the formulation of strategies
diperkirakan akan terjadi. to deal with existing and emerging risk issues.
Sejalan dengan peraturan OJK dan praktik di industri In line with OJK Regulation and industry best
perbankan, Bank telah membentuk unit kerja practices, the Bank has established Risk
Manajemen Risiko yang independen dari risk taking unit Management working unit which is independent from
dan unit kerja yang melaksanakan fungsi pengendalian risk taking units and working unit which performs
intern. Unit kerja Manajemen Risiko merupakan suatu internal control function. Risk Management working
fungsi manajemen risiko yang mengelola risiko kredit, unit is a risk management function that manage the
pasar, likuiditas (termasuk permodelan risiko) dan credit, market, liquidity (include risk modelling) and
operasional, (termasuk risiko teknologi informasi dan operational risks (include the risk related to
siber, dan keamanan informasi & data dibawah satu information technology and cyber, and information &
payung), serta risiko investasi dan risiko imbal hasil data security under one umbrella) as well as
yang timbul dari kegiatan Unit Usaha Syariah. Unit kerja investment risks and rate of return risks that arising
ini dipimpin oleh Direktur Manajemen Risiko dan from the Sharia Business Unit activities. This working
didukung penuh oleh para manajer risiko yang unit is led by the Risk Management Director and fully
berpengalaman. supported with experienced risk managers.
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750 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 753
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
a. Kerangka manajemen risiko (lanjutan) a. Risk management framework (continued)
Prinsip pengelolaan risiko oleh Bank dilakukan secara The Bank’s risk management principles are
proaktif untuk mendukung tercapainya pertumbuhan implemented proactively to support achieving
yang berkelanjutan. Oleh karenanya, Bank telah sustainable growth. Therefore, the Bank has risk
memiliki kebijakan manajemen risiko yang sesuai management policy which is in line with OJK
dengan Peraturan OJK. Bank telah melakukan kaji regulation. The Bank has reviewed the risk
ulang atas kebijakan manajemen risiko. Dengan management policy. Considering the structure of
mempertimbangkan struktur Konglomerasi Keuangan Financial Conglomeration where it consist of vertical
dimana terdiri dari hubungan vertikal dan horizontal, and horizontal relationship, then the risk management
maka kebijakan manajemen risiko untuk Bank dan policy for the Bank and Financial Conglomeration is
Konglomerasi Keuangan dibedakan menjadi 2 (dua) separated into 2 (two) documents i.e. Risk
dokumen, yaitu Kebijakan Manajemen Risiko Bank dan Management Policy of Bank and Consolidated which
Konsolidasi yang mencakup kerangka kerja dan include the framework and implementation of
penerapan manajemen risiko secara individu dan individual and consolidated risk management for
konsolidasi bagi Bank dan Entitas Anak dan Kebijakan Bank and Subsidiary, and Integrated Risk
Manajemen Risiko Terintegrasi Konglomerasi Management Policy of MUFG Financial
Keuangan MUFG yang mencakup kerangka kerja dan Conglomeration which include the framework and
penerapan manajemen risiko terintegrasi bagi implementation of integrated risk management for
Konglomerasi Keuangan. Bank juga memiliki berbagai Financial Conglomeration. The Bank also has various
kebijakan dan prosedur manajemen risiko untuk risk management policies and procedure to identify
mengidentifikasi dan menganalisa risiko yang dihadapi and analyze the risks faced by the Bank, to set
Bank, menetapkan limit risiko dan pengendalian yang appropriate risk limits and controls, and to monitor
sesuai, serta memonitor risiko dan kepatuhan terhadap risks and adherence to limits. These various risk
limit. Berbagai kebijakan dan prosedur tersebut ini dikaji management policies and procedures are reviewed
ulang secara berkala untuk mencerminkan perubahan regularly to reflect changes in market conditions,
dalam kondisi pasar, produk, dan jasa yang ditawarkan. products and services offered.
Untuk meningkatkan kesadaran risiko di kalangan To improve risk awareness among employee, Risk
karyawan, unit kerja Manajemen Risiko telah Management working unit has established Risk
mengembangkan Akademi Manajemen Risiko. Management Academy. The syllabus consists of
Silabusnya terdiri dari pelatihan mengenai Manajemen general Risk Management training as well as for each
Risiko secara umum maupun untuk masing-masing tipe type of risk. Training have been performing through
risiko. Pelatihan dilaksanakan secara fisik atau virtual physical or online classroom and e-learning.
dan melalui e-learning.
Informasi tambahan kerangka manajemen risiko yang The following additional information of risk
merupakan informasi yang disyaratkan oleh regulasi management framework that is required by
yang berlaku dan bukan/tidak merupakan informasi applicable regulations and is not required by
yang dipersyaratkan oleh Standar Akuntansi Indonesia Indonesian Accounting Standards are disclosed in
diungkapkan pada Catatan 59k. Note 59k.
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 751
Page 754
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit b. Credit risk
Risiko Kredit adalah risiko kerugian akibat kegagalan Credit risk is the risk due to failure of
debitur/nasabah penerima fasilitas dan/atau pihak lain debtors/customers receiving facilities and/or other
dalam memenuhi kewajibannya kepada Bank dan/atau parties to meet its obligation to the Bank and/or
Entitas Anak, termasuk risiko kredit akibat kegagalan Subsidiary, including credit risk due to debtor failure,
debitur, terkonsentrasinya penyediaan dana (risiko credit concentration risk, counterparty credit risk,
konsentrasi kredit), kegagalan pihak lawan settlement risk, as well as country risk and transfer
(counterparty credit risk), kegagalan settlement risk. Credit risk exposure at the Bank primarily arises
(settlement risk), serta country risk dan transfer risk. from lending activities as well as other activities such
Eksposur risiko kredit pada Bank terutama muncul dari as trade finance, treasury and investment. The
kegiatan perkreditan maupun aktivitas lainnya seperti objective of credit risk management is to control and
pembiayaan perdagangan (trade finance), tresuri dan manage credit risk exposures within acceptable limits
investasi. Tujuan dari pengelolaan risiko kredit adalah in accordance to risk appetite, while optimizing the
untuk mengendalikan dan mengelola eksposur risiko risk adjusted returns.
kredit dalam batasan yang dapat diterima, sekaligus
memaksimalkan risk adjusted returns.
Risiko kredit dikelola melalui penetapan kebijakan- Credit risk is managed through established policies
kebijakan dan proses-proses yang meliputi kriteria and processes covering credit acceptance criteria,
pemberian kredit, credit origination, persetujuan kredit, credit origination, approval, pricing, monitoring,
penetapan pricing, pemantauan, pengelolaan kredit problem loan management and portfolio
bermasalah dan manajemen portofolio. management.
Bank memiliki Kebijakan Risiko Kredit yang merupakan The Bank has a Credit Risk Policy which is the core
kebijakan inti dan kerangka acuan utama dalam policy and main reference framework for the
penerapan pengelolaan risiko kredit. Kebijakan ini, implementation of credit risk management. This
bersama dengan panduan risiko kredit, mengatur policy, together with credit risk guidelines, regulate a
proses pengelolaan risiko secara komprehensif. comprehensive risk management process. All credit
Seluruh kebijakan dan panduan risiko kredit ditinjau risk policies and guidelines are reviewed periodically
secara berkala untuk menyesuaikan dengan peraturan to comply with prevailing regulations and adjust to the
yang berlaku serta dengan tingkat risk appetite. Bank risk appetite level.
Bank juga memantau perkembangan portofolio kredit The Bank also closely monitors the performance of its
yang memungkinkan untuk melakukan tindakan loan portfolios, that enable to initiate preventive
pencegahan secara tepat waktu apabila terjadi actions in a timely manner when deterioration is
penurunan kualitas kredit. observed in credit quality.
Kelayakan kredit setiap nasabah dievaluasi untuk The creditworthiness of every debtor is evaluated to
menetapkan batasan kredit yang sesuai. Batas kredit determine appropriate credit limits. Credit limits is set
ditetapkan sesuai dengan maksimum eksposur yang based on the maximum credit exposures the Bank is
bersedia ditanggung oleh Bank untuk jangka waktu willing to absorb over specified period. Credit limits
tertentu. Batas kredit juga ditetapkan untuk industri, dan are also established for industries, and products to
produk untuk memastikan diversifikasi risiko kredit yang ensure broad diversification of credit risk and to avoid
luas dan menghindari terjadinya ketidakseimbangan excessive concentration.
konsentrasi.
Bank telah membuat Internal Rating atau Scorecard The Bank has established an Internal Rating or
untuk debitur dan dipetakan ke dalam Danamon Rating Scorecard for its debtors and is mapped to
Scale (DRS), untuk diaplikasikan di semua lini bisnis Danamon’s Rating Scale (DRS) which is applied in all
(portofolio Enterprise Banking, SME dan Retail), kecuali lines of business (Enterprise Banking, SME and
portofolio Syariah, yang digunakan untuk proses kredit, Retail portfolio), except for Sharia portfolio, and is
manajemen portfolio dan basis perhitungan Kerugian used for credit process, portfolio management and
Kredit Ekspektasian (KKE) sesuai prinsip-prinsip PSAK the basis for Expected Credit Loss (ECL) calculation
109. in accordance with the PSAK 109 principles.
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752 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 755
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
Bank memiliki Komite Kebijakan Perkreditan atau The Bank implement Credit or Financing Policy
Pembiayaan dan Komite Kredit atau Pembiayaan Committee and Credit or Financing Committee in
untuk lebih mendukung pemberian kredit yang sehat order to support a good credit granting and include
dan mengandung unsur pengendalian intern mulai internal controlling function from the initial credit
tahap awal proses kegiatan perkreditan. Komite process activity.Credit or Financing Policy Committee
Kebijakan Perkreditan atau Pembiayaan bertugas are responsible to provide feedbacks to Board of
memberikan masukan kepada Direksi dalam Director on the development of Bank’s credit policies
penyusunan kebijakan perkreditan Bank untuk as to ensure the implementation of prudential
memastikan prinsip kehati-hatian dalam pemberian principles in credit/financing granting and monitor the
kredit/pembiayaan serta mengawasi penerapan dan implementation of Bank’s credit policies. Monitoring
pelaksanaan kebijakan perkreditan Bank. and evaluation are performed towards the quality and
Pemantauan dan evaluasi dilakukan diantaranya growth of bankwide portfolio, implementation of Legal
terhadap perkembangan dan kualitas portofolio Lending Limit (LLL) policy, settlement of Non
secara keseluruhan, pelaksanaan kebijakan BMPK, Performing Loan (NPL) as well as the efforts carried
dan penyelesaian kredit bermasalah serta upaya out by the Bank to fulfill the provisioning adequacy on
Bank dalam memenuhi kecukupan penyisihan written off credit/financing.
penghapusan kredit atau pembiayaan/pencadangan
Agunan Collateral
Bank menerapkan kebijakan untuk memitigasi risiko The Bank employs policies to mitigate credit risk,
kredit, antara lain dengan meminta agunan sebagai including requiring collateral to secure the repayment
jaminan pelunasan kredit. Jenis agunan yang dapat of loan. The collaterals types that can be accepted by
diterima Bank antara lain adalah uang tunai (termasuk the Bank include: cash (including deposits from
simpanan dari nasabah), obligasi negara, tanah customers), government bonds, land and/or building,
dan/atau bangunan, Standby LC/bank garansi yang Standby LC/bank guarantee received by the Bank,
diterima Bank, mesin, kendaraan bermotor, piutang machinery, vehicle, trade receivable, inventory,
dagang, bahan baku/barang dagangan (persediaan), shares or other marketable securities. Estimates of
saham atau surat berharga lainnya. Perkiraan nilai fair value of collateral held by the Bank is based on
wajar dari agunan yang digunakan oleh Bank the value of collateral assessed by internal or external
didasarkan pada nilai pasar wajar oleh penilai internal appraisers.
atau penilai eksternal.
i. Eksposur maksimum terhadap risiko kredit i. Maximum exposure to credit risk
Untuk aset keuangan yang diakui di laporan posisi For financial assets recognized on the
keuangan konsolidasian, eksposur maksimum statement of consolidated financial position, the
terhadap risiko kredit sama dengan nilai maximum exposure to credit risk equals their
tercatatnya. Untuk liabilitas kontinjensi, eksposur carrying amount. For contingent liabilities, the
maksimum terhadap risiko kredit adalah nilai maximum exposure to credit risk is the
maksimum yang harus Bank bayarkan dalam hal maximum amount that the Bank would have to
timbul kewajiban atas instrumen yang diterbitkan. pay if the obligations of the instruments issued
are called upon.
Untuk kredit komitmen, eksposur maksimum For committed credit, the maximum exposure to
terhadap risiko kredit adalah sebesar jumlah credit risk is the full amount of the un-drawn
fasilitas yang belum ditarik dari nilai penuh fasilitas committed credit facilities granted to customers.
kredit yang telah disepakati (committed) kepada
nasabah.
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Page 756
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
i. Eksposur maksimum terhadap risiko kredit i. Maximum exposure to credit risk (continued)
(lanjutan)
Tabel berikut menyajikan eksposur maksimum The following table presents the Bank’s maximum
terhadap risiko kredit Bank atas instrument exposure to credit risk on financial instruments in its
keuangan pada laporan posisi keuangan statements of consolidated financial position and
konsolidasian dan komitmen dan kontinjensi commitments and contingencies (administrative
(rekening administratif), tanpa memperhitungkan accounts), without taking into account any collateral
agunan yang dimiliki atau jaminan kredit lainnya. held or other credit enhancement.
2025 2024*)
Laporan Posisi Keuangan Consolidated Statements of
Konsolidasian: Financial Position:
Giro pada Bank Indonesia 7.690.446 6.382.075 Current accounts with Bank Indonesia
Giro pada bank lain - neto 2.401.989 1.939.584 Current accounts with other banks - net
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia - neto 2.379.001 4.417.045 and Bank Indonesia - net
Efek-efek - neto Marketable securities - net
Nilai wajar melalui laba rugi 2.892.450 2.561.089 Fair value through profit or loss
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain 15.434.375 7.887.131 comprehensive income
Biaya perolehan diamortisasi 1.001.576 2.245.236 Amortized cost
Efek yang dibeli dengan janji Securities purchased under
dijual kembali 2.017.413 1.785.799 resale agreements
Obligasi Pemerintah Government bonds
Nilai wajar melalui laba rugi 1.931.602 1.309.344 Fair value through profit or loss
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain 19.447.803 17.390.079 comprehensive income
Tagihan derivatif 347.353 443.899 Derivative receivables
Pinjaman yang diberikan - neto 166.377.275 148.696.742 Loans - net
Piutang pembiayaan konsumen - neto 32.032.442 31.591.729 Consumer financing receivables - net
Piutang sewa pembiayaan - neto 3.111.787 2.235.399 Finance lease receivables - net
Tagihan akseptasi - neto 1.078.214 1.129.530 Acceptance receivables - net
Investasi dalam saham 473.186 476.683 Investment in shares
Aset lain-lain - neto 2.436.843 2.490.399 Other assets - net
Jumlah 261.053.755 232.981.763 Total
Komitmen dan Kontinjensi: Commitments and Contingencies:
Fasilitas kredit kepada debitur
yang belum digunakan 5.867.306 4.898.230 Unused loan facilities
Irrevocable Letters of Credit Outstanding irrevocable
yang masih berjalan 1.122.396 1.082.139 Letters of Credit
Garansi yang diterbitkan 9.870.514 8.319.555 Guarantees issued
16.860.216 14.299.924
Jumlah 277.913.971 247.281.687 Total
*) Disajikan kembali *) As restated
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754 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 757
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
i. Eksposur maksimum terhadap risiko kredit i. Maximum exposure to credit risk (continued)
(lanjutan)
Nilai wajar agunan Fair value of collateral
Bank memiliki agunan terhadap pinjaman yang The Bank holds collaterals against loans in the
diberikan dalam bentuk agunan tunai, aset tetap, form of cash collaterals, fixed assets and others.
dan lain-lain.
Estimasi nilai terendah dari nilai wajar agunan dan Lower estimate of the collateral fair value and
jumlah tercatat dari aset keuangan pada tanggal carrying amounts of the financial assets as of the
pelaporan ditampilkan seperti di bawah ini. reporting date is shown below.
Agunan terhadap pinjaman yang diberikan Collateral of loans
2025 2024
Agunan Tunai 6.007.649 4.272.910 Cash Collateral
Aset Tetap 59.409.842 49.433.147 Fixed Assets
Lain-lain 19.364.334 16.405.447 Others
Jumlah 84.781.825 70.111.504 Total
ii. Analisis risiko konsentrasi kredit ii. Concentration of credit risk analysis
Risiko konsentrasi kredit timbul ketika sejumlah Concentrations of credit risk arise when a number
nasabah bergerak dalam aktivitas usaha yang of customers are engaged in similar business
sejenis atau memiliki kegiatan usaha dalam wilayah activities or activities within the same geographic
geografis yang sama, atau memiliki karakteristik region, or when they have similar characteristics.
yang sejenis.
Bank mendorong adanya diversifikasi dari portofolio The Bank encourages the diversification of its
kreditnya pada berbagai wilayah geografis, sektor credit portfolio among a variety of geographic
industri, produk kredit, individual obligor, areas, industries, credit products, individual
mencerminkan profil risiko yang seimbang dan obligors, reflecting a well-balanced and healthy
sehat, dan untuk fokus pada upaya pemasaran risk profile, and to focus marketing efforts toward
terhadap industri dan nasabah yang potensial untuk potential industries and customers in order to
meminimalisir risiko kredit. Bank telah menetapkan minimize the credit risk. The Bank has set its
limit konsentrasi industri yang ditentukan industry concentration limit based on industry risk
berdasarkan tingkat risiko sektor industri, proyeksi level, projection of loan growth and availability of
pertumbuhan kredit dan juga ketersediaan modal. capital.
Diversifikasi portofolio kredit didasarkan rencana The extent of diversification is based on the
strategi Bank, sektor target, kondisi ekonomi saat Bank’s strategic plan, target sectors, current
ini, kebijakan pemerintah, sumber pendanaan, dan economic conditions, government policy, funding
proyeksi pertumbuhan. Konsentrasi pinjaman yang sources and growth projections. Concentration of
diberikan berdasarkan jenis kredit, mata uang, credit risk of loans receivable by type of loans,
sektor ekonomi, dan wilayah geografis currency, economic sector, and geographic
diungkapkan pada Catatan 11. region is disclosed in Note 11.
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 755
Page 758
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
ii. Analisis risiko konsentrasi kredit (lanjutan) ii. Concentration of credit risk analysis (continued)
Tabel di bawah ini menyajikan informasi aset The following table presents the financial assets
keuangan pada tanggal 31 Desember 2025 dan as of 31 December 2025 and 2024 based on
2024 berdasarkan tingkat risiko: risk rate:
2025
Konvensional/Conventional
Grade 26-28:
kredit
Grade 1-22: Bermasalah/ Kerugian
risiko yang Grade 23-25: Grade 26-28: kredit
dapat diterima/ risiko tinggi/ non- Tidak ekspektasian/
Grade 1-22: Grade 23-25: performing Syariah/ dirating/ Expected Jumlah/
acceptable risk high risk loan Sharia Un-rating credit losses Total
Giro pada BI - - - - 7.690.446 - 7.690.446 Current accounts with BI
Current accounts with other
Giro pada bank lain 2.402.262 - - - - (273) 2.401.989 banks
Penempatan pada Placements with other
bank lain dan BI 2.379.024 - - - - (23) 2.379.001 banks and BI
Efek-efek 19.435.589 - - - - (107.188) 19.328.401 Marketable securities
Efek yang dibeli
dengan janji Securities purchased
dijual kembali 2.017.413 - - - - - 2.017.413 under resale agreements
Obligasi Pemerintah - - - - 21.379.405 - 21.379.405 Government Bonds
Tagihan derivatif 347.353 - - - - - 347.353 Derivative receivables
Pinjaman yang
diberikan 147.041.050 9.694.946 2.553.596 14.470.729 - (7.383.046) 166.377.275 Loans
Piutang pembiayaan Consumer financing
konsumen 23.545.748 3.034.793 562.290 6.756.714 - (1.867.103) 32.032.442 receivables
Piutang sewa
pembiayaan 1.412.769 374.513 15.061 1.427.155 - (117.711) 3.111.787 Finance lease receivables
Tagihan akseptasi 1.081.153 - - - - (2.939) 1.078.214 Acceptance receivables
Investasi dalam
saham - - - - 473.186 - 473.186 Investments in shares
Aset lain-lain - - - - 2.465.473 (28.630) 2.436.843 Other assets
199.662.361 13.104.252 3.130.947 22.654.598 32.008.510 (9.506.913) 261.053.755
LAMPIRAN – 5/171 – SCHEDULE
756 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 759
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
ii. Analisis risiko konsentrasi kredit (lanjutan) ii. Concentration of credit risk analysis (continued)
2024*)
Konvensional/Conventional
Grade 26-28:
kredit
Grade 1-22: Bermasalah/ Kerugian
risiko yang Grade 23-25: Grade 26-28: kredit
dapat diterima/ risiko tinggi/ non- Tidak ekspektasian/
Grade 1-22: Grade 23-25: performing Syariah/ dirating/ Expected Jumlah/
acceptable risk high risk loan Sharia Un-rating credit losses Total
Giro pada BI - - - - 6.382.075 - 6.382.075 Current accounts with BI
Current accounts with other
Giro pada bank lain 1.939.700 - - - - (116) 1.939.584 banks
Penempatan pada Placements with other
bank lain dan BI 4.417.045 - - - - - 4.417.045 banks and BI
Efek-efek 12.918.586 - - - - (225.130) 12.693.456 Marketable securities
Efek yang dibeli
dengan janji Securities purchased
dijual kembali 1.785.799 - - - - - 1.785.799 under resale agreements
Obligasi Pemerintah - - - - 18.699.423 - 18.699.423 Government Bonds
Tagihan derivatif 443.899 - - - - - 443.899 Derivative receivables
Pinjaman yang
diberikan 131.654.454 10.317.182 2.609.709 11.629.650 - (7.514.253) 148.696.742 Loans
Piutang pembiayaan Consumer financing
konsumen 21.288.696 3.487.054 604.765 8.130.355 - (1.919.141) 31.591.729 receivables
Piutang sewa
pembiayaan 1.301.742 240.075 7.334 760.702 - (74.454) 2.235.399 Finance lease receivables
Tagihan akseptasi 1.136.000 - - - - (6.470) 1.129.530 Acceptance receivables
Investasi dalam
saham - - - - 476.683 - 476.683 Investments in shares
Aset lain-lain - - - - 2.524.358 (33.959) 2.490.399 Other assets
176.885.921 14.044.311 3.221.808 20.520.707 28.082.539 (9.773.523) 232.981.763
iii. Stress testing iii. Stress testing
Stress testing adalah metode pengukuran risiko Stress testing is a method of risk measurement
dengan memperkirakan potensi kerugian ekonomi which estimates the potential economic loss to
Bank berdasarkan kondisi pasar abnormal untuk the Bank under abnormal market conditions in
memastikan sensitivitas kinerja Bank terhadap order to ascertain the sensitivity of the Bank’s
perubahan faktor risiko dan mengidentifikasi faktor performance to changes in risk factors and to
yang mempengaruhi dan berdampak kepada identify influencing factors that significantly
kualitas portofolio kredit, pendapatan dan modal impact the Bank’s loan portfolio quality, revenue
Bank secara signifikan. Bank melaksanakan stress and capital. The Bank conducts credit stress
testing kredit setidaknya setiap tahun sebagai testing at least annually as a part of ICAAP
bagian dari ICAAP stress testing atau lebih sering stress testing or more often when there is an
ketika timbul kejadian peristiwa atau kejadian yang occurrence of events that have a significant
memiliki dampak negatif yang signifikan terhadap negative impact to the Bank’s credit portfolio.
portofolio kredit Bank. Skenario untuk stress testing Scenarios for stress testing are defined based
dibuat berdasarkan severity faktor-faktor ekonomi on the severity of macroeconomic factors (e.g.
makro (contoh: GDP, inflasi, IDR/USD, dll). Selain GDP, inflation, IDR/USD, etc). In addition to the
skenario yang dibuat berdasarkan kejadian historis determined scenarios based on observed
yang diamati, Bank juga mempertimbangkan historical events, hypothetical adverse events
kejadian yang berdampak buruk secara hipotesis and their impact are also considered by the
dan dampaknya. Bank.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/172 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 757
Page 760
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
iv. Konsentrasi berdasarkan jenis debitur iv. Concentration by type of debtors
Tabel berikut menyajikan konsentrasi aset The following table presents the concentration
keuangan dan komitmen dan kontinjensi of financial assets and commitments and
(rekening administratif) berdasarkan jenis debitur: contingencies (administrative accounts) by
type of debtors:
2025
Pemerintah
dan Bank
Indonesia/
Government
Korporasi/ and Bank Bank-Bank/ Jumlah/
Corporate Indonesia Banks Retail/ Retail Total
Giro pada BI - neto - 7.690.446 - - 7.690.446 Current accounts with BI - net
Current accounts with other
Giro pada bank lain - neto - - 2.401.989 - 2.401.989 banks - net
Penempatan pada bank Placements with other
lain dan BI - neto - 1.959.024 419.977 - 2.379.001 banks and BI - net
Efek-efek - neto 3.324.841 15.531.266 472.294 - 19.328.401 Marketable securities - net
Efek yang dibeli dengan Securities purchased under
janji dijual kembali - 190.527 1.826.886 - 2.017.413 resale agreements
Obligasi Pemerintah - 21.379.405 - - 21.379.405 Government Bonds
Tagihan derivatif 116.253 4.573 226.282 245 347.353 Derivative receivables
Pinjaman yang diberikan -
neto 79.238.579 2.714.219 7.853.655 76.570.822 166.377.275 Loans - net
Piutang pembiayaan Consumer financing
konsumen - neto 1.311.351 - - 30.721.091 32.032.442 receivables - net
Piutang sewa Finance lease
pembiayaan - neto 1.399.219 - - 1.712.568 3.111.787 receivables - net
Tagihan akseptasi - neto 858.396 - 219.818 - 1.078.214 Acceptance receivables - net
Investasi dalam saham 442.072 - 31.114 - 473.186 Investments in shares
Aset lain-lain - neto 1.673.808 7.961 187.981 567.093 2.436.843 Other assets - net
Commitments and
Komitmen dan kontinjensi 15.011.255 158.125 544.077 1.146.759 16.860.216 contingencies
Jumlah 103.375.774 49.635.546 14.184.073 110.718.578 277.913.971 Total
% 37% 18% 5% 40% 100% %
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758 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 761
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
iv. Konsentrasi berdasarkan jenis debitur (lanjutan) iv. Concentration by type of debtors (continued)
2024*)
Pemerintah
dan Bank
Indonesia/
Government
Korporasi/ and Bank Bank-Bank/ Jumlah/
Corporate Indonesia Banks Retail/ Retail Total
Giro pada BI - neto - 6.382.075 - - 6.382.075 Current accounts with BI - net
Current accounts with other
Giro pada bank lain - neto - - 1.939.584 - 1.939.584 banks - net
Penempatan pada bank Placements with other
lain dan BI - neto - 4.417.045 - - 4.417.045 banks and BI - net
Efek-efek - neto 3.663.551 8.926.459 103.446 - 12.693.456 Marketable securities - net
Efek yang dibeli dengan Securities purchased under
janji dijual kembali - - 1.785.799 - 1.785.799 resale agreements
Obligasi Pemerintah - 18.699.423 - - 18.699.423 Government Bonds
Tagihan derivatif 54.010 28.583 361.156 150 443.899 Derivative receivables
Pinjaman yang diberikan -
neto 59.503.762 2.572.971 10.262.539 76.357.470 148.696.742 Loans - net
Piutang pembiayaan Consumer financing
konsumen - neto 947.228 - - 30.644.501 31.591.729 receivables - net
Piutang sewa Finance lease
pembiayaan - neto 1.199.998 - - 1.035.401 2.235.399 receivables - net
Tagihan akseptasi - neto 758.704 - 370.826 - 1.129.530 Acceptance receivables - net
Investasi dalam saham 418.225 - 58.458 - 476.683 Investments in shares
Aset lain-lain - neto 1.708.362 37.369 43.858 700.810 2.490.399 Other assets - net
Commitments and
Komitmen dan kontinjensi 12.603.080 - 403.228 1.293.616 14.299.924 contingencies
Jumlah 80.856.920 41.063.925 15.328.894 110.031.948 247.281.687 Total
% 33% 17% 6% 44% 100% %
*) Disajikan kembali *) As restated
LAMPIRAN – 5/174 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 759
Page 762
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
v. Saling hapus atas aset keuangan dan liabilitas v. Offsetting of financial assets and financial
keuangan liabilities
Aset keuangan dan liabilitas keuangan yang Financial assets and financial liabilities subject
dapat saling hapus sesuai dengan perjanjian to offsetting under enforceable master netting
induk untuk penyelesaian secara neto (master agreements or similar agreements as of
netting agreements) atau perjanjian serupa pada 31 December 2025 and 2024 are as follows:
tanggal-tanggal 31 Desember 2025 dan
2024 adalah sebagai berikut:
2025
Jumlah Jumlah yang tidak di saling
bruto diakui hapus pada laporan posisi
Jumlah saling Jumlah neto keuangan/ Amount not offset
bruto aset/ hapus disajikan in the statement of financial
liabilitas dalam dalam position
keuangan laporan laporan Jaminan
yang diakui/ posisi posisi keuangan
Gross keuangan/ keuangan/ yang di
amount of Gross Amount terima/
recognized amount presented in dijaminkan/
financial offset in the the Instrumen Financial Jumlah
assets/ statement statement of keuangan/ collateral neto/
financial of financial financial Financial received/ Net
liabilities position position instruments pledged amount
Aset Keuangan Financial Assets
Tagihan derivatif 347.353 - 347.353 (94.114) - 253.239 Derivative assets
Liabilitas
Keuangan Financial Liabilities
Liabilitas derivatif 1.047.947 - 1.047.947 (94.114) - 953.833 Derivative liabilities
2024*)
Jumlah Jumlah yang tidak di saling
bruto diakui hapus pada laporan posisi
Jumlah saling Jumlah neto keuangan/ Amount not offset
bruto aset/ hapus disajikan in the statement of financial
liabilitas dalam dalam position
keuangan laporan laporan Jaminan
yang diakui/ posisi posisi keuangan
Gross keuangan/ keuangan/ yang di
amount of Gross Amount terima/
recognized amount presented in dijaminkan/
financial offset in the the Instrumen Financial Jumlah
assets/ statement statement of keuangan/ collateral neto/
financial of financial financial Financial received/ Net
liabilities position position instruments pledged amount
Aset Keuangan Financial Assets
Tagihan derivatif 443.899 - 443.899 (228.315) - 215.583 Derivative assets
Liabilitas
Keuangan Financial Liabilities
Liabilitas derivatif 676.369 - 676.369 (228.315) - 448.054 Derivative liabilities
*) Disajikan kembali *) As restated
LAMPIRAN – 5/175 – SCHEDULE
760 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 763
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
Penerapan PSAK 109 PSAK 109 Implementation
Bank telah menerapkan perhitungan Kerugian Kredit The Bank has applied the Expected Credit Loss
Ekspektasian (KKE) mengacu pada prinsip-prinsip (ECL) calculation, referring to the principles of
PSAK 109 sesuai ketentuan regulator, dimana PSAK 109 in accordance to regulator provision,
menghitung pencadangan KKE secara forward which calculates ECL provisioning in forward looking
looking. Bank menggunakan 2 (dua) Metode approach. The Bank uses 2 (two) ECL calculation
Perhitungan KKE, yaitu: methods, as follows:
1) Perhitungan secara Kolektif, yaitu perhitungan 1) Collective calculation, is ECL calculation in
KKE secara portofolio untuk lini bisnis portfolio base for retail/consumer/mass-
retail/consumer/mass-market/auto-finance dan market/auto-finance business lines and some
sebagian portofolio besar. Pada metode ini, Bank large exposure portfolios. In this method,
menggunakan Internal Rating/Scorecard sebagai Bank uses the Internal Rating/Scorecard as
basis dalam penentuan model PD (probability the basis for the of the PD (probability default)
default) untuk masing-masing debitur. Serta Model model for each debtor. Also the LGD/LGD
LGD/LGD Pool mempertimbangkan salah satu Pool Model considers one of components
komponennya yaitu, nilai agunan yang diakui i.e., recognized collateral value and recovery
berserta pembayaran recovery. Sedangkan EAD payment. While EAD (Exposure at Default) is
(Exposure at Default) merupakan posisi semua including all assets On & Off Balance sheet.
aset On & Off Balance sheet.
2) Perhitungan secara Individu, untuk portofolio besar 2) Individual calculations, for large exposure
dengan kondisi yang mengalami penurunan nilai portfolios with impaired conditions and
dan eksposur diatas Rp10 miliar. Perhitungan ini exposures above Rp10 billion. This
menggunakan pendekatan DCF (Discounted Cash calculation uses the DCF (Discounted Cash
Flow) atau pendekatan agunan (Collateral) yang Flow) or Collateral approach which is
dihitung secara individu. calculated in individual level.
Sesuai prinsip-prinsip PSAK 109, Bank juga In accordance with PSAK 109 principles, the Bank
menetapkan kriteria Tahap 1 untuk debitur-debitur also defines Stage-1 criteria for debtors with good
dengan kualitas portofolio yang baik. Tahap 2 untuk portfolio quality. Stage-2 for debtors under
debitur-debitur yang mengalami kondisi peningkatan Significant Increase in Credit Risk (SICR)
Risiko Kredit yang Signifikan (SICR) dan Tahap 3 untuk condition and Stage-3 for defaulted debtors with
debitur-debitur yang menunggak/default dengan collectibility 3,4,5 or impaired.
kolektibilitas 3,4,5 atau mengalami penurunan nilai.
MEV (Macroeconomic Variables), merupakan salah MEV (Macroeconomic Variables), is one of the
satu parameter/komponen pada perhitungan KKE parameters/components for ECL in Forward
secara pendekatan Forward Looking. Bank Looking approach. The Bank defines the
menetapkan variabel makro ekonomi secara berkala macroeconomic variables periodically and
dan mengkorelasikan terhadap model-model correlates to PSAK 109 models.
PSAK 109.
Sensitivitas MEV terhadap ECL Sensitivity of MEV to ECL
Perhitungan KKE bergantung pada banyak variabel, ECL relies on multiple variables, one of which is
salah satunnya adalah MEV dan juga tergantung MEV and also depends on the portfolio of each
pada portfolio masing-masing segmen. Pada segment. Basically, there is no single analysis can
dasarnya tidak ada analisis tunggal yang dapat fully demonstrate the sensitivity of ECL to
sepenuhnya menunjukkan sensitivitas KKE terhadap changes in the MEVs. The Bank believes that
perubahan dalam MEV. Bank berkeyakinan bahwa sensitivity should be performed to all variables,
sensitivitas harus dilakukan terhadap seluruh not just single variable, as this is in line with the
variabel, bukan hanya variabel tunggal, karena hal ini multi-variable nature of ECL calculations.
sejalan dengan sifat multi-variabel dari perhitungan
KKE.
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 761
Page 764
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
b. Risiko kredit (lanjutan) b. Credit risk (continued)
Sensitivitas MEV terhadap ECL (lanjutan) Sensitivity of MEV to ECL (continued)
Bank telah membuat Internal Rating atau Scorecard The Bank has established an Internal Rating or
untuk debitur dan dipetakan ke dalam Danamon Rating Scorecard for its borrowers and is mapped to
Scale (DRS), untuk diaplikasikan di lini bisnis (portofolio Danamon’s Rating Scale (DRS) to be applied in
enterprise banking dan retail), kecuali portofolio syariah, lines of business (enterprise banking and retail
yang digunakan untuk proses kredit, portfolio portfolio), except for sharia portfolio, that is used for
management dan basis perhitungan KKE sesuai credit process, portfolio management and the basis
prinsip-prinsip PSAK 109. for ECL calculation in accordance with the
PSAK 109 principles.
c. Risiko pasar c. Market risk
Risiko pasar merupakan risiko yang timbul karena Market risk is the risk of loss arising from adverse
adanya pergerakan faktor pasar seperti suku bunga movement in market variables in portfolios held by
dan nilai tukar pada portofolio yang dimiliki oleh Bank the Bank which are defined as interest rates and
yang dapat menyebabkan kerugian bagi Bank exchange rates.
(adverse movement).
Risiko pasar terdapat pada aktivitas fungsional Bank Market risk exists at all Bank functional activities, as
termasuk level kegiatan tresuri. Aktivitas ini well as treasury business level. These include
mencakup posisi dalam bentuk surat berharga dan exposure in securities and money market, equity
pasar uang, penyertaan pada lembaga keuangan participation in other financial institutions, provisions
lainnya, penyediaan dana (pinjaman dan bentuk of funds (loans and other similar forms), funding and
sejenis lainnya), kegiatan pendanaan dan penerbitan issuance of debt instruments, and trade financing
surat utang, dan kegiatan trade finance, baik yang activities, both in On Balance Sheet and Off
ada di On Balance Sheet maupun di Off Balance Balance Sheet.
Sheet.
Komite Aset dan Liabilitas (ALCO) berperan sebagai The Asset and Liability Committee (ALCO) acts as
komite manajemen senior tertinggi untuk mengambil the apex senior management committee that in
keputusan atas kebijakan yang berkaitan dengan charge of making all policy decisions regarding
manajemen risiko pasar dan likuiditas. Pemantauan market and liquidity risk management. Market risk
dan pengendalian risiko pasar diterapkan melalui monitoring and controlling is implemented through a
kerangka limit yang secara periodik ditelaah untuk limit framework which is periodically reviewed in
mendapatkan struktur limit yang lebih sensitif. Limit order to accomplish a more sensitive limit structure.
risiko pasar ditetapkan untuk Trading dan Interest The limits are set for Trading and Interest Rate Risk
Rate Risk in the banking Book (termasuk Portofolio in the banking Book (including HTCS - Hold to
HTCS – Hold to Collect & Sell dan Derivative for Collect & Sell Portfolio and derivative for Funding &
Funding & Hedging). Hedging).
Secara keseluruhan, risiko pasar dibagi menjadi dua In overall, market risk is divided into two following
bagian sebagai berikut: risks:
i. Risiko mata uang asing i. Foreign currency risk
Risiko mata uang asing timbul dari adanya posisi Foreign exchange risks arise from on and off-
neraca dan komitmen dan kontinjensi (off- balance sheet positions both on the asset and
balance sheet) baik di sisi aset maupun liabilitas liability sides through transactions in foreign
yang timbul melalui transaksi mata uang asing. currencies.
Bank mengukur risiko nilai tukar untuk melihat The Bank measures the foreign exchange risk
dampak perubahan nilai tukar pada pendapatan to understand the impact of the exchange rate
dan modal Bank. Untuk mengelola dan movement on the Bank’s revenue and capital.
memitigasi risiko nilai tukar yang lebih hati-hati, In order to manage and mitigate the foreign
secara internal Bank telah menetapkan limit exchange risk more prudently, internally Bank
risiko nilai tukar dibawah dari ketentuan has set the foreign exchange risk limit below the
regulator (20%). regulator requirement (20%).
LAMPIRAN – 5/177 – SCHEDULE
762 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 765
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
c. Risiko pasar (lanjutan) c. Market risk (continued)
Analisa Sensitivitas Sensitivity Analysis
Selain melakukan pemantauan terhadap rasio In addition to the NOP ratio monitoring, the Bank
PDN, Bank juga melakukan pemantauan also monitors the foreign exchange sensitivity. The
sensitivitas nilai tukar mata uang asing. Bank Bank performs simulations to illustrate the
melakukan simulasi untuk menggambarkan exposure if there are movements in the foreign
besarnya eksposur jika terjadi pergerakan nilai exchange. Sensitivity factor for foreign exchange
tukar mata uang asing. Faktor sensitivitas untuk is defined as the total amount of exposure for each
nilai tukar didefinisikan sebagai jumlah total foreign exchange given unit changes by 1%.
eksposur untuk setiap perubahan nilai tukar mata
uang asing sebesar 1%.
i. Risiko mata uang asing (lanjutan) i. Foreign currency risk (continued)
Peningkatan 1%/ Penurunan 1%/
1% increase 1% decrease
(IDR) (IDR)
2025 2025
Potensi keuntungan/(kerugian) Potential gains/(losses) on
perubahan nilai tukar 727 (727) exchange rate change
2024 2024
Potensi keuntungan/(kerugian) Potential gains/(losses) on
perubahan nilai tukar 1.137 (1.137) exchange rate change
ii. Risiko tingkat suku bunga ii. Interest rate risk
Risiko suku bunga adalah potensi kerugian yang Interest rate risk is the probability loss that may
timbul akibat pergerakan suku bunga di pasar occur from adverse movement in market interest
yang berlawanan dengan posisi atau transaksi rates vis-à-vis the Bank position or transaction.
Bank yang mengandung risiko suku bunga.
LAMPIRAN – 5/178 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 763
Page 766
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
c. Risiko pasar (lanjutan) c. Market risk (continued)
ii. Risiko tingkat suku bunga ii. Interest rate risk
Tabel di bawah merangkum tingkat suku bunga The table below summarizes the effective interest rate
efektif per tahun untuk Rupiah dan mata uang per annum for Rupiah and foreign currencies as of
asing pada tanggal 31 Desember 2025 dan 31 December 2025 and 2024:
2024:
2025 2024*)
Mata Uang Mata Uang
Asing/ Asing/
Rupiah/ Foreign Rupiah/ Foreign
Rupiah Currencies Rupiah Currencies
% % % %
ASET ASSETS
Giro pada bank lain 0,12 0,61 0,12 1,34 Current accounts with other banks
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 4,13 3,96 5,08 4,45 and Bank Indonesia
Efek-efek 5,47 3,72 6,81 4,19 Marketable securities
Efek yang dibeli dengan Securities purchased under
janji dijual kembali 4,69 - 6,43 - resale agreements
Obligasi Pemerintah 6,70 4,50 6,77 4,75 Government Bonds
Pinjaman yang diberikan 8,18 5,32 8,64 5,60 Loans
Piutang pembiayaan
konsumen 25,98 - 25,96 - Consumer financing receivables
Piutang sewa pembiayaan 17,93 - 16,85 - Finance lease receivables
LIABILITAS LIABILITIES
Simpanan nasabah Deposits from customers
- Giro 2,71 1,55 2,72 1,95 Current accounts -
- Tabungan 1,23 0,37 1,56 0,33 Savings -
- Deposito berjangka 4,81 3,82 5,51 3,77 Time deposits -
Simpanan dari bank lain 3,72 2,90 4,71 3,46 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali 4,52 - 6,45 - repurchase agreements
Efek yang diterbitkan 6,40 - 6,33 - Securities issued
Pinjaman yang diterima 7,00 3,92 7,02 4,73 Borrowings
Sebagaimana kebijakan Bank Indonesia, As per Bank Indonesia’s policy, the publication
terhitung mulai tanggal 1 Januari 2026 publikasi of the JIBOR reference interest rate for all tenor
suku bunga acuan JIBOR pada seluruh tenor will be terminated starting on 1 January 2026,
akan dihentikan, untuk itu Bank telah menyusun the Bank has established a task force with
satuan kerja yang bertugas untuk menetapkan determining the steps that need to be taken by
langkah-langkah yang perlu diambil oleh Bank the Bank in order to ensure that the Bank can
dalam rangka memastikan Bank dapat mengikuti comply with regulatory requirements in
ketentuan regulasi sesuai dengan kerangka accordance with the time frame set by the
waktu yang ditetapkan oleh regulator serta regulator and ensure that every transaction
memastikan setiap transaksi yang dilakukan carried out with customers by both the Bank and
dengan nasabah baik oleh Bank maupun Entitas its Subsidiary can be carried out with a credible
Anak dapat dilakukan dengan acuan yang reference.
kredibel.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/179 – SCHEDULE
764 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 767
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
c. Risiko pasar (lanjutan) c. Market risk (continued)
ii. Risiko tingkat suku bunga (lanjutan) ii. Interest rate risk (continued)
Tabel di bawah ini menyajikan portofolio Bank The table below summarizes the Bank’s non-
(tidak termasuk portofolio yang diukur pada nilai fair value through profit or loss “FVTPL”
wajar melalui laba rugi “FVTPL”) pada nilai portfolios at carrying amounts, categorized by
tercatatnya, yang dikelompokkan menurut mana the earlier of contractual repricing or contractual
yang lebih awal antara tanggal repricing atau maturity dates:
tanggal jatuh tempo kontraktual:
2025
Suku bunga mengambang/ Suku bunga tetap/
Floating interest rate Fixed interest rate
Kurang Kurang
dari/ Less Lebih dari/ dari/Less Lebih dari/
Nilai tercatat/ than 3 12 – 24 More than than 3 3 – 12 12 – 24 More than
Carrying bulan/ 3 – 12 bulan/ bulan/ 24 bulan/ bulan/ bulan/ bulan/ 24 bulan/
amount months months months months months months months months
ASET ASSETS
Giro pada Bank Current accounts with Bank
Indonesia - neto 7.690.446 - - - - 7.690.446 - - - Indonesia - net
Giro pada bank lain - Current accounts with other
neto 2.401.989 - - - - 2.401.989 - - - banks - net
Penempatan pada bank
lain dan Bank Placements with other banks
Indonesia - neto 2.379.001 - - - - 2.379.001 - - - and Bank Indonesia - net
Efek-efek - neto 16.435.951 - - - - 6.096.568 8.066.429 354.664 1.918.290 Marketable securities - net
Efek yang dibeli dengan Securities purchased under
janji dijual kembali 2.017.413 - - - - 2.017.413 - - - resale agreements
Obligasi Pemerintah 19.447.803 - - - - - 3.700.134 1.790.964 13.956.705 Government bonds
Pinjaman yang
diberikan - neto 166.377.275 68.217.198 2.503.605 25.725.585 9.107.283 24.297.322 18.785.604 12.160.477 5.580.201 Loans - net
Piutang pembiayaan Consumer financing
konsumen - neto 32.032.442 - - - - 5.084.074 11.250.725 9.094.816 6.602.827 receivables - net
Piutang sewa Finance lease
pembiayaan - neto 3.111.787 - - - - 694.199 1.156.838 808.048 452.702 receivables - net
Aset lain-lain - neto 2.436.843 - - - - 2.436.843 - - - Other assets - net
Jumlah 254.330.950 68.217.198 2.503.605 25.725.585 9.107.283 53.097.855 42.959.730 24.208.969 28.510.725 Total
LIABILITAS LIABILITIES
Simpanan nasabah (174.177.029) (7.858.086) (65.806.840) - - (86.231.086) (14.281.017) - - Deposits from customers
Simpanan dari bank lain (8.121.769) - - - - (7.253.549) (87.213) (781.007) - Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali (2.283.430) - - - - (2.283.430) - - - repurchase agreements
Utang obligasi (8.522.975) - - - - (996.556) (2.413.386) (1.454.158) (3.658.875) Bonds payable
Sukuk mudharabah (1.643.850) - - - - (995.689) (137.005) (511.156) Mudharabah bonds
Pinjaman yang diterima (9.202.093) (571.631) (1.643.385) (1.083.875) (166.750) (2.609.439) (2.916.764) (221.146) 10.897 Borrowings
Pinjaman subordinasi (25.000) - - - - - - - (25.000) Subordinated loan
Jumlah (203.976.146) (8.429.717) (67.450.225) (1.083.875) (166.750) (99.374.060) (20.694.069) (2.593.316) (4.184.134) Total
Pengaruh dari derivatif
untuk manajemen Effect of derivatives held
risiko - (2.272.358) - - - 428.738 1.189.479 654.141 - for risk management
Selisih 50.354.804 57.515.123 (64.946.620) 24.641.710 8.940.533 (45.847.467) 23.455.140 22.269.794 24.326.591 Difference
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 765
Page 768
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
c. Risiko pasar (lanjutan) c. Market risk (continued)
ii. Risiko tingkat suku bunga (lanjutan) ii. Interest rate risk (continued)
2024*)
Suku bunga mengambang/ Suku bunga tetap/
Floating interest rate Fixed interest rate
Lebih
dari/ Kurang
Kurang dari/ More dari/Less Lebih dari/
Nilai tercatat/ Less than 3 12 – 24 than 24 than 3 3 – 12 12 – 24 More than
Carrying bulan/ 3 – 12 bulan/ bulan/ bulan/ bulan/ bulan/ bulan/ 24 bulan/
amount months months months months months months months months
ASET ASSETS
Giro pada Bank Current accounts with Bank
Indonesia - neto 6.382.075 - - - - 6.382.075 - - - Indonesia - net
Giro pada bank lain - Current accounts with other
Neto 1.939.584 - - - - 1.939.584 - - - banks - net
Penempatan pada bank
lain dan Bank Placements with other banks
Indonesia - neto 4.417.045 - - - - 4.417.045 - - - and Bank Indonesia - net
Efek-efek - neto 10.132.367 - - - - 5.420.849 3.736.932 172.582 802.004 Marketable securities - net
Efek yang dibeli dengan Securities purchased under
janji dijual kembali 1.785.799 - - - - 1.785.799 - - - resale agreements
Obligasi Pemerintah 17.390.079 - - - - 283.243 2.464.920 2.296.608 12.345.308 Government bonds
Pinjaman yang
diberikan - neto 148.696.742 52.443.256 1.917.941 21.962.387 8.571.952 28.359.011 17.440.025 10.798.194 7.203.976 Loans - net
Piutang pembiayaan Consumer financing
konsumen - neto 31.591.729 - - - - 3.847.093 10.079.426 10.238.012 7.427.198 receivables - net
Piutang sewa Finance lease
pembiayaan - neto 2.235.399 444.001 828.866 667.531 295.001 receivables - net
Aset lain-lain - neto 2.490.399 - - - - 2.490.399 - - - Other assets - net
Jumlah 227.061.218 52.443.256 1.917.941 21.962.387 8.571.952 55.369.099 34.550.169 24.172.927 28.073.487 Total
LIABILITAS LIABILITIES
Simpanan nasabah (150.467.727) (6.451.934) (55.732.776) - - (76.575.679) (11.706.739) (599) - Deposits from customers
Simpanan dari bank lain (4.204.749) - - - - (3.236.223) (204.250) (764.276) - Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali (4.718.889) - - - - (4.718.889) - - - Repurchase agreements
Utang obligasi (6.307.230) - - - - (819.287) (1.861.220) (793.483) (2.833.240) Bonds payable
Sukuk mudharabah (1.228.330) - - - - (49.000) (535.480) (389.730) (254.120) Mudharabah bonds
Pinjaman yang diterima (12.372.944) (435.469) (1.306.406) (1.695.875) (885.225) (2.256.696) (3.870.431) (1.777.475) (145.367) Borrowings
Pinjaman subordinasi (25.000) - - - - - - - (25.000) Subordinated loan
Jumlah (179.324.869) (6.887.403) (57.039.182) (1.695.875) (885.225) (87.655.774) (18.178.120) (3.725.563) (3.257.727) Total
Pengaruh dari derivatif
untuk manajemen Effect of derivatives held
risiko - (4.054.699) - - - 455.659 1.268.786 1.676.112 654.142 for risk management
Selisih 47.736.349 41.501.154 (55.121.241) 20.266.512 7.686.727 (31.831.016) 17.640.835 22.123.476 25.469.902 Difference
Analisis sensitivitas Sensitivity analysis
Pengelolaan risiko tingkat suku bunga dilengkapi The interest rate risk management is
dengan analisa sensitivitas secara periodik untuk supplemented by regularly conducting
mengukur dampak dari perubahan suku bunga. sensitivity analysis on scenarios to measure the
impact of changes in interest rate.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/181 – SCHEDULE
766 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 769
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
c. Risiko pasar (lanjutan) c. Market risk (continued)
ii. Risiko tingkat suku bunga (lanjutan) ii. Interest rate risk (continued)
Kenaikan paralel/ Penurunan paralel/
parallel increase parallel decrease
Dampak Dampak
terhadap Dampak terhadap Dampak
laba rugi/ terhadap laba rugi/ terhadap
Effect on ekuitas/ Effect on ekuitas/
profit or Effect on profit or Effect on
loss equity loss equity
Sensitivitas terhadap risiko Sensitivity to interest
suku bunga rate risk
Pada tanggal 2025 As of 2025
Mata uang asing (25.188) (96.605) (53.026) 111.344 Foreign currencies
Rupiah (1.568.155) (4.977.920) 358.676 6.692.250 Rupiah
Pada tanggal 2024 As of 2024
Mata uang asing 44.772 (73.386) (122.812) 85.353 Foreign currencies
Rupiah (1.243.505) (4.276.933) 45.333 5.563.296 Rupiah
Bank menggunakan metode NII dan EVE The Bank uses NII and EVE method in
sesuai SEOJK No.12/SEOJK.03/2018. accordance to SEOJK No.12/SEOJK.03/2018.
Informasi tambahan risiko pasar yang merupakan The following additional information of market risk
informasi yang disyaratkan oleh regulasi yang berlaku that is required by applicable regulations and is not
dan bukan/tidak merupakan informasi yang required by Indonesian Accounting Standards are
dipersyaratkan oleh Standar Akuntansi Indonesia disclosed in Note 59l.
diungkapkan pada Catatan 59l.
d. Risiko likuiditas d. Liquidity risk
Risiko likuiditas adalah risiko yang disebabkan oleh Liquidity risk is the risk caused by the inability of the
ketidakmampuan Bank dalam memenuhi kewajiban Bank to meet its obligations at due date and unwind
yang telah jatuh tempo dan menutup posisi di pasar. position created from market. Liquidity risk is an
Risiko likuiditas merupakan risiko yang terpenting pada important risk for commercial Bank and as such
Bank umum dan perlu dikelola secara needs to be managed on an on-going basis.
berkesinambungan.
Komite Aset dan Liabilitas (ALCO) berperan sebagai The Asset and Liability Committee (ALCO) acts as the
Komite manajemen senior tertinggi untuk memonitor apex Committee entrusted to monitor liquidity
situasi likuiditas Bank. situation of the Bank.
Bank mengelola risiko likuiditas melalui analisis The Bank manages liquidity risk through liquidity gap
perbedaan jatuh tempo likuiditas dan rasio-rasio analysis and liquidity ratios. Liquidity risk monitoring
likuiditas. Pemantauan dan pengendalian risiko and controlling is implemented through a limit
likuiditas diterapkan melalui kerangka limit yang secara framework which is periodically reviewed in order to
periodik dikaji untuk mendapatkan struktur limit yang accomplish a more sensitive limit structure. The
lebih sensitif. Struktur limit risiko likuiditas terkini coverage of current liquidity risk limit structure
mencakup pengukuran limit dan indikator antara lain includes measurement of limit and indicator such as
Liquidity Coverage Ratio (LCR), Net Stable Funding Liquidity Coverage Ratio (LCR), Net Stable Funding
Ratio (NSFR), Maximum Cumulative Outflow (MCO), Ratio (NSFR), Maximum Cumulative Outflow (MCO),
Rasio Intermediasi Makroprudensial (RIM), dan risiko Macroprudential Intermediation Ratio (MIR), and
konsentrasi pendanaan. funding concentration risk.
LAMPIRAN – 5/182 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 767
Page 770
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
d. Risiko likuiditas (lanjutan) d. Liquidity risk (continued)
Eksposur terhadap risiko likuiditas Exposure to liquidity risk
Untuk melengkapi kerangka kerja, risiko likuiditas To complete the framework, liquidity risk is measured
diukur dan dikelola pada kondisi normal (business-as- and controlled under both normal and stress
usual) dan kejadian kondisi stress. Sehingga, Maximum scenarios. Thus, the Maximum Cumulative Outflow
Cumulative Outflow (MCO) juga diukur untuk situasi (MCO) is estimated also under abnormal market
tidak normal, untuk itu rencana pendanaan darurat condition, such that the Contingency Funding Plan
likuiditas (CFP) telah disusun untuk mempersiapkan (CFP) is in place in case of liquidity crisis.
Bank jika terjadi krisis likuiditas.
Pada tanggal 31 Desember 2025 dan 2024, rasio dari As of 31 December 2025 and 2024, the ratio of net
aset likuid neto terhadap simpanan nasabah adalah liquid assets to deposits from customers are as
sebagai berikut: follows:
2025 2024*)
Kas dan setara kas 15.418.391 15.241.038 Cash and cash equivalents
Efek-efek dan Obligasi Pemerintah Trading marketable securities and
diperdagangkan, tidak termasuk SBI Government Bonds, excluding
yang sudah diklasifikasikan Certificates of Bank Indonesia classified
sebagai kas dan setara kas 4.737.274 3.822.148 as cash and cash equivalents
Efek-efek dan Obligasi Pemerintah Marketable securities and Government
diukur pada nilai wajar melalui Bonds measured at fair value through
penghasilan komprehensif lain 34.882.177 25.277.210 other comprehensive income
Simpanan dari bank lain (8.121.769) (4.204.749) Deposits from other banks
Jumlah aset likuid neto 46.916.073 40.135.647 Total net liquid assets
Simpanan dari nasabah 174.177.029 150.467.727 Deposits from customers
Rasio aset likuid neto terhadap Ratio of net liquid assets to
simpanan dari nasabah 26,94% 26,67% deposits from customers
Sisa jatuh tempo kontraktual dari liabilitas Residual contractual maturities of financial
keuangan liabilities
Tabel di bawah ini menyajikan ekspektasi arus kas dari The table below shows the expected cash flows on
liabilitas keuangan Bank berdasarkan tahun jatuh the Bank’s financial liabilities on the basis of their
tempo kontraktual yang terdekat dan asumsi perilaku earliest possible contractual maturity and behavioral
(behavioral assumptions) pada tanggal laporan posisi assumptions as of the statement of financial position
keuangan. date.
Nilai nominal arus masuk/arus keluar yang disajikan The nominal inflow/outflow disclosed in the following
pada tabel di bawah ini merupakan arus kas kontraktual table represent the contractual undiscounted cash
yang tidak didiskontokan terkait dengan pokok dan flows relating to the principal and interest on the
bunga atas liabilitas keuangan. Pengungkapan financial liability. The disclosure for derivatives shows
instrumen derivatif menunjukkan nilai neto derivatif a net amount for derivatives that are net settled, and
yang dapat diselesaikan secara neto, juga arus masuk a gross inflow and outflow amount for derivatives that
dan arus keluar bruto untuk derivatif yang diselesaikan have simultaneous gross settlement (e.g. currency
bruto secara bersamaan (seperti kontrak berjangka forward).
valuta asing).
*) Disajikan kembali *) As restated
LAMPIRAN – 5/183 – SCHEDULE
768 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 771
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
d. Risiko likuiditas (lanjutan) d. Liquidity risk (continued)
Sisa jatuh tempo kontraktual dari liabilitas Residual contractual maturities of financial
keuangan (lanjutan) liabilities (continued)
2025
Kurang dari 1
bulan/ 3 – 12
Less than 1 1 – 3 bulan/ bulan/ >1 tahun/ Jumlah/
month months months years Total
Liabilitas non derivatif: Non-derivative liabilities:
Simpanan nasabah 62.242.797 53.590.514 14.384.714 45.176.264 175.394.289 Deposits from customers
Simpanan dari bank lain 6.322.357 936.279 89.482 781.007 8.129.125 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali 2.285.784 - - - 2.285.784 repurchase agreements
Utang akseptasi 524.124 366.323 190.706 - 1.081.153 Acceptance payables
Utang obligasi 81.513 1.053.563 2.761.512 5.683.782 9.580.370 Bonds payable
Sukuk mudharabah 18.089 7.579 1.059.854 714.415 1.799.937 Mudharabah bonds
Pinjaman yang diterima 1.319.235 1.977.950 4.701.961 1.496.893 9.496.039 Borrowings
Pinjaman subordinasi - - - 30.442 30.442 Subordinated loan
Liabilitas lain-lain 4.423.914 - - - 4.423.914 Other liabilities
77.217.813 57.932.208 23.188.229 53.882.803 212.221.053
Derivatif: Derivatives:
Arus keluar (72.903.669) (15.876.123) (6.696.816) (6.161.627) (101.638.235) Outflow
Arus masuk 72.737.228 15.896.251 6.738.628 6.210.925 101.583.032 Inflow
(166.441) 20.128 41.812 49.298 (55.203)
77.051.372 57.952.336 23.230.041 53.932.101 212.165.850
2024*)
Kurang dari 1
bulan/ 3 – 12
Less than 1 1 – 3 bulan/ bulan/ >1 tahun/
month months months years Jumlah/Total
Liabilitas non derivatif: Non-derivative liabilities:
Simpanan nasabah 50.087.615 40.162.283 11.558.356 49.813.138 151.621.392 Deposits from customers
Simpanan dari bank lain 2.417.725 818.498 204.250 764.276 4.204.749 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali 4.726.258 - - - 4.726.258 repurchase agreements
Utang akseptasi 458.811 386.855 290.334 - 1.136.000 Acceptance payables
Utang obligasi 52.066 867.464 2.098.667 4.127.655 7.145.852 Bonds payable
Sukuk mudharabah 6.490 64.220 580.938 694.823 1.346.471 Mudharabah bonds
Pinjaman yang diterima 1.106.882 1.655.137 5.558.735 4.741.733 13.062.487 Borrowings
Pinjaman subordinasi - - - 32.299 32.299 Subordinated loan
Liabilitas lain-lain 4.426.914 - - - 4.426.914 Other liabilities
63.282.761 43.954.457 20.291.280 60.173.924 187.702.422
Derivatif: Derivatives:
Arus keluar (51.280.429) (17.197.364) (5.447.248) (6.276.914) (80.201.955) Outflow
Arus masuk 51.275.479 17.173.419 5.331.449 6.261.582 80.041.929 Inflow
(4.950) (23.945) (115.799) (15.332) (160.026)
63.277.811 43.930.512 20.175.481 60.158.592 187.542.396
*) Disajikan kembali *) As restated
LAMPIRAN – 5/184 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 769
Page 772
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
d. Risiko likuiditas (lanjutan) d. Liquidity risk (continued)
Analisis perbedaan jatuh tempo aset dan liabilitas Maturity gap analysis of assets and liabilities
Tabel di bawah ini menyajikan analisa jatuh tempo The table below shows the analysis of maturities of
aset dan liabilitas Bank dan Entitas Anak pada tanggal assets and liabilities of the Bank and Subsidiary as of
31 Desember 2025 dan 2024, berdasarkan jangka 31 December 2025 and 2024, based on remaining
waktu yang tersisa sampai tanggal jatuh tempo terms to contractual maturity date and behavioral
kontrak dan asumsi perilaku (behavioral assumptions): assumptions:
2025
Tidak
mempunyai
tanggal
jatuh tempo Lebih
Nilai kontraktual/ dari/More
tercatat/ No Kurang dari/ 1–3 6 – 12 than 12
Carrying contractual Less than 1 bulan/ 3- 6 bulan/ bulan/ bulan/
amount maturity bulan/month months months months months
ASET ASSETS
Kas 2.946.955 2.946.955 - - - - - Cash
Current accounts with Bank
Giro pada Bank Indonesia 7.690.446 7.690.446 - - - - - Indonesia
Giro pada bank lain 2.402.262 2.402.262 - - - - - Current accounts with other banks
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 2.379.024 - 2.379.024 - - - - and Bank Indonesia
Efek-efek: Marketable securities:
Nilai wajar melalui laba rugi 2.892.450 - - 27.697 172.068 2.605.297 87.388 Fair value through profit or loss
Nilai wajar melalui
penghasilan komprehensif Fair value through other
lain 15.434.375 - 2.717.640 2.531.802 1.534.268 6.377.711 2.272.954 comprehensive income
Biaya perolehan
diamortisasi 1.108.764 - 773.227 105.429 229.531 577 - Amortized cost
Efek yang dibeli dengan Securities purchased under
janji dijual kembali 2.017.413 - 2.017.413 - - - - resale agreements
Obligasi Pemerintah: Government Bonds:
Nilai wajar melalui laba rugi 1.931.602 - 500 24.612 218.857 65.206 1.622.427 Fair value through profit or loss
Nilai wajar melalui
penghasilan komprehensif Fair value through other
lain 19.447.803 - - - 2.907.572 792.562 15.747.669 comprehensive income
Tagihan derivatif 347.353 - 87.524 98.866 18.144 44.497 98.322 Derivative receivables
Pinjaman yang diberikan 173.760.321 - 23.633.897 18.198.280 16.547.971 33.910.122 81.470.051 Loans
Piutang pembiayaan
konsumen 33.899.545 - 2.238.505 3.040.861 4.321.531 7.388.670 16.909.978 Consumer financing receivables
Piutang sewa pembiayaan 3.229.498 - 398.059 312.395 446.133 745.288 1.327.623 Finance lease receivables
Tagihan akseptasi 1.081.153 - 524.124 366.323 158.981 31.725 - Acceptance receivables
Investasi dalam saham 473.186 473.186 - - - - - Investments in shares
Investasi pada entitas asosiasi 999.691 999.691 - - - - - Investment in associate
Beban dibayar dimuka dan
aset lain-lain 5.350.338 234.279 155.900 36.018 11.734 17.587 4.894.820 Prepayments and other assets
277.392.179 14.746.819 34.925.813 24.742.283 26.566.790 51.979.242 124.431.232
LIABILITAS LIABILITIES
Simpanan nasabah 174.177.029 - 61.682.483 53.286.199 8.789.416 5.242.667 45.176.264 Deposits from customers
Simpanan dari bank lain 8.121.769 - 6.321.526 932.023 33.111 54.102 781.007 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali 2.283.430 - 2.283.430 - - - - repurchase agreements
Utang akseptasi 1.081.153 - 524.124 366.323 158.981 31.725 - Acceptance payables
Utang obligasi 8.522.975 - - 996.556 - 2.413.386 5.113.033 Bonds payable
Sukuk mudharabah 1.643.850 - - - 200.000 795.689 648.161 Mudharabah bonds
Pinjaman yang diterima 9.202.093 - 1.274.599 1.914.804 2.376.870 2.185.362 1.450.458 Borrowings
Liabilitas derivatif 1.047.947 - 815.159 80.601 21.416 15.300 115.471 Derivative liabilities
Pinjaman subordinasi 25.000 - - - - - 25.000 Subordinated loan
Beban yang masih harus
dibayar dan kewajiban lain-
lain 11.330.154 1.457.081 1.158.359 440.997 48.658 298.508 7.926.551 Accruals and other liabilities
217.435.400 1.457.081 74.059.680 58.017.503 11.628.452 11.036.739 61.235.945
Selisih 59.956.779 13.289.738 (39.133.867) (33.275.220) 14.938.338 40.942.503 63.195.287 Difference
LAMPIRAN – 5/185 – SCHEDULE
770 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 773
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
d. Risiko likuiditas (lanjutan) d. Liquidity risk (continued)
2024*)
Tidak
mempunyai
tanggal
jatuh tempo Lebih
Nilai kontraktual/ dari/More
tercatat/ No Kurang dari/ 1–3 6 – 12 than 12
Carrying contractual Less than 1 bulan/ 3- 6 bulan/ bulan/ bulan/
amount maturity bulan/month months months months months
ASET ASSETS
Kas 2.502.218 2.502.218 - - - - - Cash
Current accounts with Bank
Giro pada Bank Indonesia 6.382.075 6.382.075 - - - - - Indonesia
Giro pada bank lain 1.939.700 1.939.700 - - - - - Current accounts with other banks
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia 4.417.045 - 4.417.045 - - - - and Bank Indonesia
Efek-efek: Marketable securities:
Nilai wajar melalui laba rugi 2.561.089 - - 29.641 782.167 1.700.996 48.285 Fair value through profit or loss
Nilai wajar melalui
penghasilan komprehensif Fair value through other
lain 7.887.131 - 2.052.728 1.410.100 584.696 2.865.021 974.586 comprehensive income
Biaya perolehan
diamortisasi 2.470.366 - 1.142.280 883.962 354.124 90.000 - Amortized cost
Efek yang dibeli dengan Securities purchased under
janji dijual kembali 1.785.799 - 1.785.799 - - - - resale agreements
Obligasi Pemerintah: Government Bonds:
Nilai wajar melalui laba rugi 1.309.344 - 67.654 83.548 76.070 71.913 1.010.159 Fair value through profit or loss
Nilai wajar melalui
penghasilan komprehensif Fair value through other
lain 17.390.079 - - 283.243 2.255.555 209.365 14.641.916 comprehensive income
Tagihan derivatif 443.899 - 245.951 87.042 14.444 14.884 81.578 Derivative receivables
Pinjaman yang diberikan 156.210.995 - 27.423.604 15.962.724 16.134.441 30.210.016 66.480.210 Loans
Piutang pembiayaan
konsumen 33.510.870 - 1.747.152 2.296.002 3.487.702 7.048.116 18.931.898 Consumer financing receivables
Piutang sewa pembiayaan 2.309.853 - 229.414 225.210 321.491 530.865 1.002.873 Finance lease receivables
Tagihan akseptasi 1.136.000 - 458.811 386.855 272.809 17.525 - Acceptance receivables
Investasi dalam saham 476.683 476.683 - - - - - Investments in shares
Investasi pada entitas asosiasi 968.670 968.670 - - - - - Investment in associate
Beban dibayar dimuka dan
aset lain-lain 5.140.082 236.843 107.247 15.776 18.248 18.319 4.743.649 Prepayments and other assets
248.841.898 12.506.189 39.677.685 21.664.103 24.301.747 42.777.020 107.915.154
LIABILITAS LIABILITIES
Simpanan nasabah 150.467.727 - 49.559.598 39.840.016 7.646.080 3.608.937 49.813.096 Deposits from customers
Simpanan dari bank lain 4.204.749 - 2.417.725 818.498 131.753 72.497 764.276 Deposits from other banks
Efek yang dijual dengan Securities sold under
janji dibeli kembali 4.718.889 - 4.718.889 - - - - repurchase agreements
Utang akseptasi 1.136.000 - 458.811 386.855 272.809 17.525 - Acceptance payables
Utang obligasi 6.307.230 - - 819.287 1.078.025 783.195 3.626.723 Bonds payable
Sukuk mudharabah 1.228.330 - - 49.000 535.480 - 643.850 Mudharabah bonds
Pinjaman yang diterima 12.372.944 - 1.149.796 1.542.370 2.043.810 3.133.027 4.503.941 Borrowings
Liabilitas derivatif 676.369 - 397.310 93.616 47.690 21.942 115.811 Derivative liabilities
Pinjaman subordinasi 25.000 - - - - - 25.000 Subordinated loan
Beban yang masih harus
dibayar dan kewajiban
lain-lain 11.642.922 1.521.559 1.267.675 549.359 20.577 255.095 8.028.657 Accruals and other liabilities
192.780.160 1.521.559 59.969.804 44.099.001 11.776.224 7.892.218 67.521.354
Selisih 56.061.738 10.984.630 (20.292.119) (22.434.898) 12.525.523 34.884.802 40.393.800 Difference
e. Risiko operasional e. Operational risk
Kebijakan Manajemen Risiko Operasional secara Bank Bank wide Operational Risk Management Policy is
wide digunakan sebagai acuan utama bagi semua lini used as a main reference for all line of businesses,
bisnis, fungsi pendukung dan Entitas Anak dalam support functions and Subsidiary in managing their
mengelola risiko operasional. operational risk.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/186 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 771
Page 774
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
e. Risiko operasional (lanjutan) e. Operational risk (continued)
Tujuan Bank dalam mengelola risiko operasional The Bank’s objective in managing operational risk is
adalah untuk mencegah atau meminimalisasi dampak to prevent or minimize the impact of the failure or
kegagalan/ketidakcukupan proses internal, manusia, inadequate internal process, people, systems or from
sistem atau kejadian-kejadian eksternal yang dapat external events, which could impact the financial
mengakibatkan kerugian keuangan dan merusak losses, and damage the Bank’s reputation.
reputasi Bank.
Pendekatan Bank terhadap manajemen risiko The Bank’s approach to Operational Risk
operasional adalah dengan menentukan strategi management is to define the best mitigation strategy
mitigasi guna memperoleh keseimbangan yang optimal to get optimum balance between operational risk
antara paparan risiko operasional, efektivitas exposure, effectiveness of control mechanism, and
mekanisme kontrol, dan pembuatan risk appetite creating risk appetite as a Bank strategy by a
sebagai salah satu strategi Bank dengan melakukan consistent implementation of a comprehensive
implementasi yang konsisten atas kerangka kerja Operational Risk Management (“ORM”).
Manajemen Risiko Operasional (“ORM”).
Komponen utama dari Kerangka Kerja Pengelolaan Major components of Operational Risk Management
Risiko Operasional yang dijalankan secara Framework which are being consistently applied are:
berkesinambungan antara lain:
1. Tiga lini pertahanan 1. Three lines of defense
Unit bisnis dan fungsi pendukung sebagai pemilik Business and supporting units as the owner of risk
dari proses pengelolaan risiko, FOR (Firstline management process, FOR (Firstline Operational
Operational Risk) di Lini Bisnis/ Fungsi Pendukung, Risk) at Line of Business/Support Function, and
dan fungsi Pengendalian Internal yang ada pada Internal Control functions in each Risk Taking Unit
setiap Risk Taking Unit (RTU) berperan sebagai lini (RTU) act as the first line of defense in day-to-day
pertahanan lapis pertama dalam penegakan execution/ implementation of operational risk
pengelolaan risiko operasional sehari-hari. Mereka management. They are responsible to identify,
bertanggungjawab dalam mengidentifikasi, manage, monitor, mitigate, and report on
mengelola, memonitor, memitigasi, dan Operational Risk.
melaporkan Risiko Operasional.
Divisi ORM, Fraud & QA (Quality Assurance) ORM, Fraud & QA (Quality Assurance) Division
bersama-sama dengan Divisi Compliance dan together with Compliance and Legal Division act
Legal berperan sebagai pertahanan lapis kedua as the second line of defense which responsible
yang bertanggungjawab dalam pengawasan for overseeing operational risk management in the
pengelolaan risiko operasional di Bank, termasuk Bank, including responsible for policies
bertanggungjawab untuk pengelolaan kebijakan management and anti-fraud framework
dan kerangka kerja pengelolaan anti-fraud dengan management with the objective to anticipate
tujuan untuk mengantisipasi risiko operasional operational risks which might arise caused by
yang mungkin terjadi akibat tindakan fraud yang fraudulent activities committed by internal
dilakukan baik oleh karyawan internal Bank employee or external.
ataupun oleh pihak eksternal.
Sedangkan Auditor Internal (SKAI) secara Meanwhile, the Internal Auditors (SKAI) are
independen berperan sebagai pertahanan lapis independently performing the role as the third line
ketiga yang bertanggungjawab untuk of defense to identify any weaknesses that have
mengidentifikasi kelemahan yang ditemukan dalam been found in operational risk management and
pengelolaan risiko operasional dan menilai assess the implementation of operational risk
pelaksanaan kerangka manajemen risiko management in line with governance.
operasional telah berjalan sesuai dengan
ketentuan.
LAMPIRAN – 5/187 – SCHEDULE
772 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 775
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
e. Risiko operasional (lanjutan) e. Operational risk (continued)
2. Proses pengelolaan risiko operasional 2. Operational risk management process
Pelaksanaan kerangka kerja ORM di Bank dan Practices of ORM Framework in the Bank and
Entitas Anak dilakukan dalam proses ORM yang Subsidiary are being conducted through an
terpadu dan terdiri dari: integrated ORM process which consists of:
(1) Identifikasi dan analisa risiko yang melekat (1) Identify and analyze the inherent risk in new
pada produk/fitur digital, jasa, sistem dan and/or changes in product/digital features,
proses baru maupun perubahannya, serta service and processes, also ensures the
memastikan adanya kecukupan kontrol preventive control adequacy over all the
preventif atas seluruh proses yang dijalankan. processes.
(2) Pengukuran risiko di tingkat unit operasional (2) Risk measurement at operating unit level
didukung dengan perangkat Risk/Loss Event supported by Risk/Loss Event Database
Database (R/LED), Risk Control Self- (R/LED), Risk Control Self-Assessment
Assessment (RCSA), Key Risk Indicator (KRI) (RCSA) and Key Risk Indicator (KRI) and Self
dan Self Raise Issue untuk mengetahui Raise Issue to identify the effectiveness of
efektivitas penerapan manajemen risiko operational risk management.
operasional.
(3) Pemantauan risiko melalui penyusunan laporan (3) Risk monitoring through regular reports to
secara berkala ke manajemen untuk management to identify issues related to
mengidentifikasi masalah yang muncul terkait weakness or failure of controls functions
dengan adanya kelemahan atau kegagalan implementation.
didalam penerapan fungsi kontrol.
(4) Pengendalian risiko dilakukan diantaranya (4) Risk control is conducted amongst others
dengan memastikan ketersediaan kebijakan through ensuring the availability of operational
operasional dan kecukupan kontrol pada policy and control adequacy in all operational
seluruh prosedur operasional untuk memitigasi procedures to mitigate the operational risk,
risiko operasional, termasuk memberikan including re-emphasizing the importance of
penekanan kepada pentingnya kontrol preventif preventative control and early detection
dan mekanisme pendeteksian dini atas mechanisms over operational risk exposures
pemaparan risiko operasional melalui through setting up a Quality Assurance
pembentukan fungsi Quality Assurance yang function which undertakes a Bank wide
berperan dalam mengkoordinasikan upaya coordination to strengthen internal control
memperkuat sistem pengendalian internal dari systems in each Line of Business and Support
setiap lini bisnis dan fungsi pendukung. Function.
3. Sarana pendukung 3. Supporting infrastructure
Implementasi dari proses pengelolaan risiko The implementation of the comprehensive
operasional secara menyeluruh didukung dengan ORM process is supported by ORMS
alat bantu online real time yaitu ORMS (Operational Risk Management System), an
(Operational Risk Management System). ORMS internally designed online-real time tool. The
memiliki fungsi sebagai berikut: ORMS have the following functions:
• Pencatatan Risk Loss Event; • Risk Loss Event recording;
• Pencatatan Self Raise; • Self Raise recording;
• Memonitor Key Risk Indicator; • Key Risk Indicator monitoring;
• Risk Control Self-Assessment; • Risk Control Self-Assessment;
• Pencatatan dan memonitor Quality Assurance, • Quality Assurance recording and
dan monitoring, and
• Reporting. • Reporting.
ORM juga melakukan sosialisasi risk awareness, ORM also conduct risk awareness campaign,
memberikan training dan e-Learning yang providing training and e-Learning that are
dilaksanakan di seluruh jajaran manajemen dan implemented accross all level of management
karyawan Bank untuk meningkatkan kesadaran and employees of the Bank to raise awareness
akan pentingnya risiko operasional. on the importance of operational risk.
LAMPIRAN – 5/188 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 773
Page 776
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
50. MANAJEMEN RISIKO KEUANGAN (lanjutan) 50. FINANCIAL RISK MANAGEMENT (continued)
e. Risiko operasional (lanjutan) e. Operational risk (continued)
4. Fungsi Pendukung Pengelolaan Risiko 4. Operational Risk Management Support
Operasional Function
Mengacu kepada konsep umum dari kerangka Referring to the general concept of the Enterprise
kerja Manajemen Risiko Perusahaan, Risiko Risk Management framework, Information
Teknologi Informasi dan Siber adalah bagian dari Technology and Cyber Risk is a subset of the
kerangka kerja risiko operasional. Namun, dengan operational risk framework. However,
mempertimbangkan tingkat kritikalitasnya, maka considering the criticality, those related risk are
secara struktur, pengelolaan risiko tersebut managed under Information Risk Management
dilakukan secara terpisah dari Divisi Operational Division, separate from Operation Risk
Risk Management, yaitu di bawah Divisi Management Division structure.
Information Risk Management.
Pengelolaan Risiko Teknologi Informasi dan Siber The management of Information Technology and
yang disebutkan diatas juga mencakup antara lain, Cyber Risk mentioned above also cover such as
pemberian rekomendasi dan penetapan prioritas providing recommendations and setting risk
risiko untuk mendukung pengambilan keputusan priorities to support appropriate management
manajemen yang tepat. decision making.
Manajemen Risiko Teknologi Informasi dan Siber Information Technology and Cyber Risk
adalah proses atau aktivitas berkesinambungan Management is the continuous process or
untuk melakukan proses identifikasi, mengukur, activity of identifying, measuring, mitigating,
memitigasi, pemantauan dan evaluasi terhadap monitoring and evaluate Information Technology
risiko Teknologi Informasi dan Keamanan Siber. and Cyber Security Risk
Business Continuity Management (BCM) Business Continuity Management (BCM) is an
merupakan proses manajemen terpadu dan integrated and comprehensive management
menyeluruh untuk menjamin keberlangsungan process to ensure the continuity of the Bank
operasional Bank dalam hal terjadinya kondisi operational activities due to emergency condition
darurat akibat insiden/bencana. Bank dan Entitas caused of incidents/ disasters. The Bank and
Anak telah melaksanakan BCM yang melibatkan Subsidiary have been carried out BCM through
seluruh unit kerja. involvement of all working unit.
51. NILAI WAJAR ATAS ASET KEUANGAN DAN 51. FAIR VALUE OF FINANCIAL ASSETS AND
LIABILITAS KEUANGAN FINANCIAL LIABILITIES
Nilai wajar instrumen keuangan Fair value of financial instruments
Sebagian besar instrumen keuangan pada laporan posisi A significant number of financial instruments are carried at
keuangan konsolidasian disajikan menggunakan nilai wajar. fair value in the consolidated statements of financial
Berikut ini adalah perbandingan antara nilai tercatat, seperti position. Below is the comparison of the carrying amounts,
yang dilaporkan pada laporan posisi keuangan konsolidasian as reported on the consolidated statements of financial
dan nilai wajarnya. position, and their fair values.
Pada tabel berikut ini, instrumen keuangan telah dialokasikan In the following table, financial instruments have been
berdasarkan klasifikasinya. Kebijakan akuntansi material categorized based on their classification. The material
pada Catatan 2f menjelaskan bagaimana setiap kategori accounting policies in Note 2f describe how the categories
aset keuangan dan liabilitas keuangan diukur dan of the financial assets and financial liabilities are measured
bagaimana pendapatan dan beban, termasuk keuntungan and how income and expenses, including fair value gains
dan kerugian atas nilai wajar (perubahan nilai wajar and losses (changes in fair value of financial instruments),
instrumen keuangan) diakui. are recognized.
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Page 777
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
51. NILAI WAJAR ATAS ASET KEUANGAN DAN 51. FAIR VALUE OF FINANCIAL ASSETS AND
LIABILITAS KEUANGAN (lanjutan) FINANCIAL LIABILITIES (continued)
Pengelompokan aset keuangan telah diklasifikasikan Financial assets have been classified into fair value through
menjadi aset keuangan yang diukur pada nilai wajar melalui profit or loss; fair value through other comprehensive
laba rugi; nilai wajar melalui penghasilan komprehensif lain; income; amortized cost. Similarly, each class of financial
dan biaya perolehan diamortisasi. Sama halnya dengan liability has been classified into fair value through profit or
setiap liabilitas keuangan yang juga telah diklasifikasikan loss and amortized cost.
menjadi yang diukur pada nilai wajar melalui laba rugi dan
biaya perolehan diamortisasi.
Nilai wajar pada tanggal laporan posisi keuangan The fair values are based on relevant information available
konsolidasian adalah berdasarkan informasi yang tersedia as of the consolidated statement of financial position date
dan belum diperbaharui untuk merefleksikan perubahan and have not been updated to reflect changes in market
keadaan pasar setelah tanggal laporan posisi keuangan. condition after the statement of financial position date.
Tabel berikut ini merupakan nilai tercatat dan nilai wajar dari The table below sets out the carrying amounts and fair
aset keuangan dan liabilitas keuangan pada tanggal values of the financial assets and liabilities as of
31 Desember 2025 dan 2024. 31 December 2025 and 2024.
2025
Nilai tercatat/Carrying amount
Nilai wajar
melalui
penghasilan
Nilai wajar komprehensif Biaya Jumlah nilai
melalui laba lain/Fair value perolehan tercatat/
rugi/Fair through other diamortisasi Total
value through comprehensive /Amortized carrying Nilai wajar/
profit or loss income cost amount Fair value
Aset Keuangan Financial Assets
Kas - - 2.946.955 2.946.955 2.946.955 Cash
Giro pada Bank Indonesia - neto - - 7.690.446 7.690.446 7.690.446 Current accounts with Bank Indonesia - net
Giro pada bank lain - neto - - 2.401.989 2.401.989 2.401.989 Current accounts with other banks - net
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia - neto - - 2.379.001 2.379.001 2.379.001 and Bank Indonesia - net
Efek-efek - neto 2.892.450 15.434.375 1.001.576 19.328.401 19.328.401 Marketable securities - net
Efek yang dibeli dengan janji Securities purchased under
dijual kembali - - 2.017.413 2.017.413 2.017.413 resale agreements
Obligasi Pemerintah 1.931.602 19.447.803 - 21.379.405 21.379.405 Government Bonds
Tagihan derivatif 347.353 - - 347.353 347.353 Derivative receivables
Pinjaman yang diberikan - neto - - 166.377.275 166.377.275 166.124.563 Loans - net
Piutang pembiayaan
konsumen - neto - - 32.032.442 32.032.442 32.526.670 Consumer financing receivables - net
Piutang sewa pembiayaan - neto - - 3.111.787 3.111.787 3.433.777 Finance lease receivables - net
Tagihan akseptasi - neto - - 1.078.214 1.078.214 1.078.214 Acceptance receivables - net
Investasi dalam saham - 473.186 - 473.186 473.186 Investments in shares
Aset lain-lain - neto - - 2.436.843 2.436.843 2.436.843 Other assets - net
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah - - 174.177.029 174.177.029 174.177.029 Deposits from customers
Simpanan dari bank lain - - 8.121.769 8.121.769 8.121.769 Deposits from other banks
Efek yang dijual dengan janji Securities sold under
dibeli kembali - - 2.283.430 2.283.430 2.283.430 repurchase agreements
Utang akseptasi - - 1.081.153 1.081.153 1.081.153 Acceptance payables
Utang obligasi - - 8.522.975 8.522.975 8.680.017 Bonds payable
Sukuk mudharabah - - 1.643.850 1.643.850 1.660.993 Mudharabah bonds
Pinjaman yang diterima - - 9.202.093 9.202.093 9.214.917 Borrowings
Liabilitas derivatif 1.047.947 - - 1.047.947 1.047.947 Derivative liabilities
Pinjaman subordinasi - - 25.000 25.000 25.000 Subordinated loan
Liabilitas lain-lain - - 4.423.914 4.423.914 4.423.914 Other liabilities
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Page 778
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
51. NILAI WAJAR ATAS ASET KEUANGAN DAN 51. FAIR VALUE OF FINANCIAL ASSETS AND
LIABILITAS KEUANGAN (lanjutan) FINANCIAL LIABILITIES (continued)
2024*)
Nilai tercatat/Carrying amount
Nilai wajar
Nilai wajar melalui
melalui laba penghasilan
rugi/Fair komprehensif Biaya Jumlah nilai
value lain/Fair value perolehan tercatat/
through through other diamortisasi Total
profit or comprehensive /Amortized carrying Nilai wajar/
loss income cost amount Fair value
Aset Keuangan Financial Assets
Kas - - 2.502.218 2.502.218 2.502.218 Cash
Giro pada Bank Indonesia - neto - - 6.382.075 6.382.075 6.382.075 Current accounts with Bank Indonesia - net
Giro pada bank lain - neto - - 1.939.584 1.939.584 1.939.584 Current accounts with other banks - net
Penempatan pada bank lain Placements with other banks
dan Bank Indonesia - neto - - 4.417.045 4.417.045 4.417.045 and Bank Indonesia - net
Efek-efek - neto 2.561.089 7.887.131 2.245.236 12.693.456 12.693.456 Marketable securities - net
Efek yang dibeli dengan janji Securities purchased under
dijual kembali - - 1.785.799 1.785.799 1.785.799 resale agreements
Obligasi Pemerintah 1.309.344 17.390.079 - 18.699.423 18.699.423 Government Bonds
Tagihan derivatif 443.899 - - 443.899 443.899 Derivative receivables
Pinjaman yang diberikan - neto - - 148.696.742 148.696.742 148.555.050 Loans - net
Piutang pembiayaan
konsumen - neto - - 31.591.729 31.591.729 31.999.671 Consumer financing receivables - net
Piutang sewa pembiayaan - neto - - 2.235.399 2.235.399 2.447.008 Finance lease receivables - net
Tagihan akseptasi - neto - - 1.129.530 1.129.530 1.129.530 Acceptance receivables - net
Investasi dalam saham - 476.683 - 476.683 476.683 Investments in shares
Aset lain-lain - neto - - 2.490.399 2.490.399 2.490.399 Other assets - net
Liabilitas Keuangan Financial Liabilities
Simpanan nasabah - - 150.467.727 150.467.727 150.467.727 Deposits from customers
Simpanan dari bank lain - - 4.204.749 4.204.749 4.204.749 Deposits from other banks
Efek yang dijual dengan janji Securities sold under
dibeli kembali - - 4.718.889 4.718.889 4.718.889 repurchase agreements
Utang akseptasi - - 1.136.000 1.136.000 1.136.000 Acceptance payables
Utang obligasi - - 6.307.230 6.307.230 6.320.481 Bonds payable
Sukuk mudharabah - - 1.228.330 1.228.330 1.230.797 Mudharabah bonds
Pinjaman yang diterima - - 12.372.944 12.372.944 12.357.079 Borrowings
Liabilitas derivatif 676.369 - - 676.369 676.369 Derivative liabilities
Pinjaman subordinasi - - 25.000 25.000 25.000 Subordinated loan
Liabilitas lain-lain - - 3.930.284 3.930.284 3.930.284 Other liabilities
Metode dan asumsi yang digunakan untuk estimasi nilai The following methods and assumptions are used to
wajar adalah sebagai berikut: estimate the fair values:
• Nilai wajar aset keuangan dan liabilitas keuangan, kecuali • The fair values of financial assets and liabilities, except
efek-efek dimiliki hingga jatuh tempo, pinjaman yang for held-to-maturity marketable securities, loans with
diberikan yang mempunyai risiko nilai wajar, piutang fair value risk, consumer financing receivables, finance
pembiayaan konsumen, piutang sewa pembiayaan, efek lease receivables, securities issued, and borrowings,
yang diterbitkan, dan pinjaman yang diterima, mendekati approximated the carrying amounts largely due to the
nilai tercatatnya karena mempunyai jangka waktu tempo short-term maturities of these instruments and/or
yang singkat atas instrumen keuangan tersebut dan/atau repricing of interest rate frequently.
suku bunganya sering ditinjau ulang.
• Nilai wajar efek-efek dimiliki hingga jatuh tempo dan efek • The fair values of held-to-maturity marketable
yang diterbitkan ditentukan berdasarkan harga kuotasi securities and securities issued were determined on
pasar (level 1) yang berlaku pada tanggal 31 Desember the basis of quoted market price (level 1) as of
2025 dan 2024, atau berdasarkan harga kuotasi pasar 31 December 2025 and 2024, or using quoted market
yang memiliki karakter kredit, jatuh tempo dan suku price of similar credit characteristics, maturities and
bunga yang mendekati (level 2). Jika informasi yields (Level 2). If the information is not available, the
tersebut tidak tersedia, nilai wajar di estimasi fair values are estimated using cost approach (Level 3).
menggunakan pendekatan biaya (level 3).
*) Disajikan kembali *) As restated
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Page 779
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
51. NILAI WAJAR ATAS ASET KEUANGAN DAN 51. FAIR VALUE OF FINANCIAL ASSETS AND
LIABILITAS KEUANGAN (lanjutan) FINANCIAL LIABILITIES (continued)
• Nilai wajar pinjaman yang diberikan yang mempunyai • The fair values of loans with fair value risk, consumer
risiko nilai wajar, piutang pembiayaan konsumen, financing receivables, finance lease receivables, and
piutang sewa pembiayaan, dan pinjaman yang diterima borrowings are determined by discounting cash flows
dinilai menggunakan diskonto arus kas berdasarkan using market interest rate as of 31 December 2025 and
tingkat suku bunga pasar pada tanggal 31 Desember 2024.
2025 dan 2024.
• Nilai wajar investasi dalam saham diukur menggunakan • Fair value of investments in shares is measured
hirarki nilai wajar tingkat 1 atau tingkat 3. Untuk investasi following either Level 1 or Level 3 fair value hierarchies.
yang tidak memiliki harga kuotasi pasar yang dapat For investments without quoted prices, the Bank and
diandalkan, Bank dan Entitas Anak menggunakan Subsidiary apply an income approach by comparing
pendekatan pendapatan dengan membandingkan the purchase price of the shares with the investee’s
harga beli saham dengan nilai buku pada tanggal book value at the acquisition date and adjusting it for
pembelian yang disesuaikan dengan perubahan ekuitas changes in the investee’s equity up to the reporting
entitas hingga tanggal pelaporan atau sebesar biaya date, or at cost when the fair value cannot reliably
perolehannya apabila nilai wajarnya tidak dapat diukur measured. For certain investments with quoted market
secara andal. Untuk investasi dalam saham tertentu prices, the fair value is measured at the prevailing
yang memiliki harga kuotasi, nilai wajarnya dicatat quoted market prices.
sebesar harga kuotasi pasar yang berlaku.
Hirarki nilai wajar instrumen keuangan Fair value hierarchy of financial instruments
Tabel berikut ini merupakan hirarki nilai wajar dari aset The table below sets out the fair values hierarchy of the
keuangan dan liabilitas keuangan pada tanggal financial assets and liabilities as of 31 December 2025 and
31 Desember 2025 dan 2024. 2024.
a. Aset keuangan a. Financial assets
Pengukuran nilai wajar pada tanggal pelaporan menggunakan/
Fair value measurement as of reporting date using:
Tingkat/ Tingkat/ Tingkat/
2025 Level 1 Level 2 Level 3
Aset keuangan yang Financial asset measured
diukur pada nilai wajar - neto at fair value - net
Nilai wajar melalui laba rugi: Fair value through profit or loss:
Efek-efek 2.892.450 2.805.063 609 86.778 Marketable securities
Tagihan Derivatif 347.353 - 347.353 - Derivative receivables
Obligasi Pemerintah 1.931.602 1.931.602 - - Government Bonds
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain: comprehensive income:
Efek-efek 15.434.375 12.726.202 2.708.173 - Marketable securities
Obligasi Pemerintah 19.447.803 19.447.803 - - Government Bonds
Investasi dalam saham 473.186 29.614 - 443.572 Investments in shares
Aset keuangan yang Financial asset of which the
nilai wajarnya diungkapkan - neto fair value is disclosed - net
Biaya perolehan diamortisasi: At amortized cost:
Efek-efek 1.001.576 - 1.001.576 - Marketable securities
Pinjaman yang diberikan 166.124.563 - 162.340.206 3.784.357 Loans
Piutang pembiayaan konsumen 32.526.670 - 32.526.670 - Consumer financing receivables
Piutang sewa pembiayaan 3.433.777 - 3.433.777 - Finance lease receivables
LAMPIRAN – 5/192 – SCHEDULE
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Page 780
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
51. NILAI WAJAR ATAS ASET KEUANGAN DAN 51. FAIR VALUE OF FINANCIAL ASSETS AND
LIABILITAS KEUANGAN (lanjutan) FINANCIAL LIABILITIES (continued)
Hirarki nilai wajar instrumen keuangan (lanjutan) Fair value hierarchy of financial instruments
(continued)
a. Aset keuangan (lanjutan) a. Financial assets (continued)
Pengukuran nilai wajar pada tanggal pelaporan menggunakan/
Fair value measurement as of reporting date using:
Tingkat/ Tingkat/ Tingkat/
2024*) Level 1*) Level 2*) Level 3*)
Aset keuangan yang Financial asset measured
diukur pada nilai wajar - neto at fair value - net
Nilai wajar melalui laba rugi: Fair value through profit or loss:
Efek-efek 2.561.089 2.512.804 - 48.285 Marketable securities
Tagihan Derivatif 443.899 - 443.899 - Derivative receivables
Obligasi Pemerintah 1.309.344 1.309.344 - - Government Bonds
Nilai wajar melalui penghasilan Fair value through other
komprehensif lain: comprehensive income:
Efek-efek 7.887.131 6.413.655 1.473.476 - Marketable securities
Obligasi Pemerintah 17.390.079 17.390.079 - - Government Bonds
Investasi dalam saham 476.683 56.958 - 419.725 Investments in shares
Aset keuangan yang Financial asset of which the
nilai wajarnya diungkapkan - neto fair value is disclosed - net
Biaya perolehan diamortisasi: At amortized cost:
Efek-efek 2.245.236 - 2.245.236 - Marketable securities
Pinjaman yang diberikan 148.555.050 - 144.498.307 4.056.743 Loans
Piutang pembiayaan konsumen 31.999.671 - 31.999.671 - Consumer financing receivables
Piutang sewa pembiayaan 2.447.008 - 2.447.008 - Finance lease receivables
b. Liabilitas keuangan b. Financial liabilities
Pengukuran nilai wajar pada tanggal pelaporan menggunakan/
Fair value measurement as of reporting date using:
Tingkat/ Tingkat/ Tingkat/
2025 Level 1 Level 2 Level 3
Liabilitas keuangan yang Financial liability measured
diukur pada nilai wajar at fair value
Nilai wajar melalui laba rugi: Fair value through profit or loss:
Liabilitas derivatif 1.047.947 - 1.047.947 - Derivative liabilities
Liabilitas keuangan yang Financial liability which
nilai wajarnya diungkapkan fair value is disclosed
Biaya perolehan diamortisasi: At amortized cost:
Utang obligasi 8.680.017 8.680.017 - - Bonds payable
Sukuk mudharabah 1.660.993 1.660.993 - - Mudharabah bonds
Pinjaman yang diterima 9.214.917 - 9.214.917 - Borrowings
Pengukuran nilai wajar pada tanggal pelaporan menggunakan/
Fair value measurement as of reporting date using:
Tingkat/ Tingkat/ Tingkat/
2024*) Level 1*) Level 2*) Level 3*)
Liabilitas keuangan yang Financial liability measured
diukur pada nilai wajar at fair value
Nilai wajar melalui laba rugi: Fair value through profit or loss:
Liabilitas derivatif 676.369 - 676.369 - Derivative liabilities
Liabilitas keuangan yang Financial liability which
nilai wajarnya diungkapkan fair value is disclosed
Biaya perolehan diamortisasi: At amortized cost:
Utang obligasi 6.320.481 6.320.481 - - Bonds payable
Sukuk mudharabah 1.230.797 1.230.797 - - Mudharabah bonds
Pinjaman yang diterima 12.357.079 - 12.357.079 - Borrowings
Pada tanggal 31 Desember 2025 dan 2024, tidak ada aset As of 31 December 2025 and 2024, there are no financial
keuangan atau liabilitas keuangan yang ditransfer dari atau assets and financial liabilities transfer out of or into level 2
ke tingkat 2 dan/atau tingkat 3. and/or level 3.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/193 – SCHEDULE
778 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 781
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
52. JASA KUSTODIAN 52. CUSTODIAN SERVICES
Bank telah memperoleh ijin kustodian dari Badan Pengawas The Bank has obtained a license from the Capital Market
Pasar Modal berdasarkan Surat Keputusan nomor Supervisory Agency under Decision Letter number
KEP-02/PM/Kstd/2002 tanggal 15 Oktober 2002. KEP-02/PM/Kstd/2002 dated 15 October 2002.
Bank menyediakan beragam jasa kustodian seperti The Bank provides wide range of custodian services such
pengelolaan dan penyelesaian transaksi jual-beli efek-efek as managing and settlement of securities transactions with
dengan dan tanpa warkat, penyimpanan dan administrasi and without certificates, safekeeping and administering
efek-efek, pengurusan hak-hak klien atas kepemilikan efek- securities, managing client’s rights on the ownership of
efek, perwakilan pada rapat umum pemegang saham, dan securities, acting as proxies in shareholders’ meetings, and
menghitung dan mengumumkan nilai aktiva bersih atas calculate and announce net asset value of mutual funds,
portofolio reksa dana, portofolio efek-efek yang dikelola securities portfolio by discretionary funds.
berdasarkan kontrak pengelolaan dana.
Aset yang terdapat dalam aktivitas kustodian tidak termasuk Assets that are held in fiduciary activities are not included
dalam laporan keuangan konsolidasian ini. Jumlah komisi in these consolidated financial statements. Total fees
yang diterima dari pemberian jasa ini untuk tahun yang received from these services for the year ended
berakhir pada tanggal 31 Desember 2025 dan 2024 adalah 31 December 2025 and 2024 was Rp30,548 and
Rp30.548 dan Rp31.802. Rp31,802, respectively.
53. ASET DAN LIABILITAS DALAM MATA UANG ASING 53. ASSETS AND LIABILITIES IN FOREIGN
CURRENCIES
Saldo aset dan liabilitas moneter dalam mata uang asing The balances of monetary assets and liabilities in foreign
adalah sebagai berikut: currencies are as follows:
Mata uang asing Ekuivalen Rupiah
(dalam ribuan)/ (dalam jutaan)/
Foreign currency Rupiah equivalent
(in thousand) (in million)
2025 2024*) 2025 2024*)
Aset Assets
Kas Cash
Dolar Amerika Serikat 10.108 7.175 168.554 115.475 United States Dollar
Dolar Singapura 12.374 1.566 160.433 18.548 Singapore Dollar
Dolar Australia 5.941 620 66.261 6.209 Australian Dollar
Yen Jepang 584.986 38.795 62.301 3.997 Japanese Yen
Euro Eropa 1.977 661 38.702 11.081 European Euro
Poundsterling Inggris 853 481 19.131 9.719 Great Britain Poundsterling
Lain-lain 1 10 14 81 Others
515.396 165.110
Current accounts with
Giro pada Bank Indonesia Bank Indonesia
Dolar Amerika Serikat 42.301 55.286 705.361 889.835 United States Dollar
*) Disajikan kembali *) As restated
LAMPIRAN – 5/194 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 779
Page 782
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
53. ASET DAN LIABILITAS DALAM MATA UANG ASING 53. ASSETS AND LIABILITIES IN FOREIGN
(lanjutan) CURRENCIES (continued)
Mata uang asing Ekuivalen Rupiah
(dalam ribuan)/ (dalam jutaan)/
Foreign currency Rupiah equivalent
(in thousand) (in million)
2025 2024*) 2025 2024*)
Aset (lanjutan) Assets (continued)
Current accounts with other
Giro pada bank lain banks
Dolar Amerika Serikat 58.889 34.887 981.974 561.509 United States Dollar
Yen Jepang 6.292.160 833.165 670.115 85.841 Japanese Yen
Euro Eropa 12.671 8.300 247.995 139.100 European Euro
Offshore China Yuan 36.725 53.199 87.588 116.957 Offshore China Yuan
Poundsterling Inggris 2.141 2.382 48.039 48.163 Great Britain Poundsterling
Dolar Singapura 2.825 4.577 36.630 54.214 Singapore Dollar
Dolar Australia 2.826 4.168 31.511 41.736 Australian Dollar
Dolar Selandia Baru 2.413 2.289 23.229 20.760 New Zealand Dollar
Hongkong Dollar 8.503 1.696 18.215 3.515 Dollar Hongkong
Yuan China 5.779 5.349 13.782 11.795 China Yuan
Riyal Arab Saudi 1.116 1.715 4.962 7.346 Riyal Arab Saudi
Dolar Kanada 316 301 3.850 3.376 Canadian Dollar
Swiss Franc 103 237 2.162 4.218 Swiss Franc
Swedia Kroner 527 548 953 802 Swedia Kroner
Lain-lain 3.336 2.073 2.390 1.480 Others
2.173.395 1.100.812
Penempatan pada Bank Placements with other
lain dan Bank Indonesia Banks and Bank Indonesia
Dolar Amerika Serikat 27.000 65.000 450.225 1.046.175 United States Dollar
Efek-efek Marketable securities
Dolar Amerika Serikat 215.453 18.412 3.592.679 1 296.337 United States Dollar
Tagihan derivatif Derivative receivables
Dolar Amerika Serikat 848 3.003 14.136 48.330 United States Dollar
Yen Jepang 930 1.097 99 113 Japanese Yen
Lain-lain 39 219 166 1.249 Others
14.401 49.692
Pinjaman yang diberikan Loan
Dolar Amerika Serikat 785.601 1.037.282 13.099.891 16.695.056 United States Dollar
Dolar Singapura 2.519 2.679 32.655 31.734 Singapore Dollar
Yuan China 13.197 5.114 31.471 11.276 China Yuan
Euro Eropa 447 6.000 8.741 100.549 European Euro
Yen Jepang 52.798 105.600 5.623 10.880 Japanese Yen
13.178.381 16.849.495
*) Disajikan kembali *) As restated
LAMPIRAN – 5/195 – SCHEDULE
780 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 783
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
53. ASET DAN LIABILITAS DALAM MATA UANG ASING 53. ASSETS AND LIABILITIES IN FOREIGN
(lanjutan) CURRENCIES (continued)
Mata uang asing Ekuivalen Rupiah
(dalam ribuan)/ (dalam jutaan)/
Foreign currency Rupiah equivalent
(in thousand) (in million)
2025 2024*) 2025 2024*)
Aset (lanjutan) Assets (continued)
Tagihan akseptasi Acceptance receivables
Dolar Amerika Serikat 37.351 49.623 622.825 798.678 United States Dollar
Yuan China 113.255 76.140 270.081 167.889 China Yuan
Euro Eropa 1.596 791 31.235 13.254 European Euro
Yen Jepang 35.512 177.929 3.782 18.332 Japanese Yen
927.923 998.153
Obligasi Pemerintah Government Bonds
Dolar Amerika Serikat 66.793 45.221 1.113.765 727.824 United States Dollar
Beban dibayar dimuka Prepayments and other
dan aset lain-lain assets
Dolar Amerika Serikat 13.424 16.122 223.842 259.488 United States Dollar
Yen Jepang 58.495 39.171 6.230 4.036 Japanese Yen
Euro Eropa 3 159 57 2.669 European Euro
Lain-lain 750 160 10.740 1.756 Others
240.869 267.949
Jumlah aset 22.912.395 22.390.886 Total assets
Liabilitas Liabilities
Simpanan nasabah Deposits from customers
Dolar Amerika Serikat 1.039.823 949.201 17.339.052 15.277.396 United States Dollar
Yen Jepang 9.794.056 6.828.710 1.043.067 703.562 Japanese Yen
Dolar Singapura 75.281 66.200 976.022 784.107 Singapore Dollar
Dolar Australia 66.255 96.108 738.897 962.377 Australian Dollar
Euro Eropa 23.274 23.758 455.502 398.136 European Euro
Yuan China 74.831 91.522 178.450 201.806 China Yuan
Poundsterling Inggris 5.460 3.670 122.523 74.206 Great Britain Poundsterling
Dolar Selandia Baru 3.637 4.487 35.004 40.688 New Zealand Dollar
Lain-lain 3.881 772 13.752 4.727 Others
20.902.269 18.447.005
Simpanan dari bank lain Deposits from other banks
Dolar Amerika Serikat 46.715 2.241 778.975 36.064 Japanese Yen
Dolar Singapura 35.862 44.689 464.957 529.319 Singapore Dollar
Yen Jepang 36.685 36.591 3.907 3.770 United States Dollar
1.247.839 569.153
*) Disajikan kembali *) As restated
LAMPIRAN – 5/196 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 781
Page 784
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
53. ASET DAN LIABILITAS DALAM MATA UANG ASING 53. ASSETS AND LIABILITIES IN FOREIGN
(lanjutan) CURRENCIES (continued)
Mata uang asing Ekuivalen Rupiah
(dalam ribuan)/ (dalam jutaan)/
Foreign currency Rupiah equivalent
(in thousand) (in million)
2025 2024*) 2025 2024*)
Liabilitas (lanjutan) Liabilities (continued)
Utang akseptasi Acceptance payables
Dolar Amerika Serikat 37.351 49.623 622.824 798.679 United States Dollar
Yuan China 113.255 76.140 270.081 167.888 China Yuan
Euro Eropa 1.596 791 31.236 13.254 European Euro
Yen Jepang 35.512 177.929 3.782 18.332 Japanese Yen
927.923 998.153
Pinjaman yang diterima Borrowings
Dolar Amerika Serikat 205.000 268.619 3.418.375 4.322.975 United States Dollar
Yen Jepang 5.653.380 10.320.084 602.085 1.063.278 Japanese Yen
4.020.460 5.386.253
Liabilitas derivatif Derivative liabilities
Dolar Amerika Serikat 9.470 7.193 157.912 115.764 United States Dollar
Yen Jepang 424.338 - 45.192 - Japanese Yen
Dolar Singapura 3.155 4.377 40.905 51.840 Singapore Dollar
Dolar Australia 1.891 - 21.088 - Australian Dollar
Lain-lain 1.648 290 27.451 2.900 Others
292.548 170.504
Beban yang masih
harus dibayar dan Accruals and other
liabilitas lain liabilities
Dolar Amerika Serikat 8.597 10.630 143.352 171.096 United States Dollar
Yen Jepang 634.122 161.480 67.534 16.637 Japanese Yen
Yuan China 21.248 24.538 50.670 54.106 China Yuan
Euro Eropa 477 152 9.330 2.555 European Euro
Dolar Singapura 612 1.019 7.936 12.074 Singapore Dollar
Dolar Australia 233 250 2.604 2.508 Australian Dollar
Poundsterling Inggris 4 41 99 830 Great Britain Poundsterling
Lain-lain 525 688 2.321 3.091 Others
283.846 262.897
Jumlah liabilitas 27.674.885 25.833.965 Total liabilities
Posisi (Liabilitas)/Aset - (Liabilities)/Assets position
neto (4.762.488) (3.442.583) - net
Dalam melakukan transaksi dalam mata uang asing, Bank In conducting foreign currency transactions, the Bank has
memiliki kebijakan untuk memelihara posisi devisa neto a policy of maintaining net open position as required by BI
sesuai dengan peraturan BI yakni setinggi-tingginya sebesar regulation at the maximum 20% of the total Tier I and Tier
20% dari jumlah modal Tier I dan Tier II. Berdasarkan II capital. Based on this policy, the Bank will hedge or
kebijakan ini, Bank akan melakukan lindung nilai atau square its open position, if necessary, within the limit as per
melakukan square atas posisi yang dimiliki jika diperlukan BI regulation.
untuk menjaga agar posisi devisa neto masih dalam limit
sesuai peraturan BI.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/197 – SCHEDULE
782 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 785
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
54. MANAJEMEN PERMODALAN 54. CAPITAL MANAGEMENT
Tujuan manajemen permodalan Bank adalah untuk The Bank’s capital management objective is to maintain a
mempertahankan posisi modal yang kuat untuk mendukung strong capital position to support business growth and to
pertumbuhan bisnis dan mempertahankan investor, maintain investor, depositor, customer and market
deposan, pelanggan dan kepercayaan pasar. Dalam confidence. In managing its capital, the Bank considers
pengelolaan permodalan, Bank mempertimbangkan faktor- factors such as: providing optimal capital rate of return to
faktor seperti: pengembalian modal yang optimal pada shareholders, maintaining a balance between high return
pemegang saham, menjaga keseimbangan antara gearing ratio and safety provided by a sound capital
keuntungan yang lebih tinggi dengan gearing ratio serta position.
keamanan yang diberikan oleh posisi modal yang sehat.
Informasi tambahan manajemen modal yang merupakan The following additional information capital management
informasi yang disyaratkan oleh regulasi yang berlaku dan that is required by applicable regulations and is not required
bukan/tidak merupakan informasi yang dipersyaratkan oleh by Indonesian Accounting Standards is disclosed in Note
Standar Akuntansi Indonesia diungkapkan pada Catatan 59n.
59n.
55. INFORMASI KEUANGAN TAMBAHAN UNIT SYARIAH 55. SUPPLEMENTARY FINANCIAL INFORMATION
SHARIA UNIT
Informasi keuangan Unit Usaha Syariah disajikan sesuai Financial information of Sharia Business Unit is presented
dengan Surat Edaran Otoritas Jasa Keuangan in accordance with a Circular Letter of OJK
No.10/SEOJK.03/2020 tanggal 1 Juli 2020 tentang No.10/SEOJK.03/2020 dated 1 July 2020 regarding
Transparansi dan Publikasi Bank Umum Syariah dan Unit Transparency and Publication of Sharia Bank and Sharia
Usaha Syariah dan bukan/tidak merupakan informasi yang Business Unit and is not an information required by
dipersyaratkan oleh Standar Akuntansi Indonesia. Indonesian Accounting Standards.
2025 2024
ASET ASSETS
Kas 23.829 39.157 Cash
Penempatan pada Bank
Indonesia 1.734.259 2.850.135 Placements with Bank Indonesia
Pembiayaan berbasis piutang**) 6.723.956 6.270.070 Financing receivables**)
Pembiayaan bagi hasil 6.995.413 4.509.220 Profit sharing financing
Pembiayaan sewa 984.693 900.360 Lease financing
Aset produktif lainnya 84.390 69.684 Earning other assets
Kerugian kredit ekspektasian (508.541) (422.931) Expected credit losses
Aset tetap dan inventaris 15.906 7.615 Fixed assets and equipment
Aset non produktif 581 1.161 Non earning asset
Aset lainnya 14.804 8.838 Other assets
JUMLAH ASET 16.069.290 14.233.309 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
Dana simpanan wadiah 890.946 942.088 Wadiah saving
Dana investasi non profit sharing 9.928.087 7.551.224 Non profit sharing investment funds
Liabilitas kepada bank lain 515.104 504.993 Liabilities to other banks
Liabilitas lainnya 68.044 52.010 Other liabilities
Dana usaha 4.398.774 5.047.012 Working fund
Saldo laba 268.335 135.982 Retained earnings
JUMLAH LIABILITAS DAN
EKUITAS 16.069.290 14.233.309 TOTAL LIABILITIES AND EQUITY
**) Pada tanggal 31 Desember 2025 dan 2024, jumlah piutang iB tidak **) As of 31 December 2025 and 2024, the total iB receivable excludes
termasuk marjin yang belum diterima masing-masing sebesar margin to be received of Rp1,383,911 and Rp1,383,811,
Rp1.383.811 dan Rp1.383.811. respectively.
LAMPIRAN – 5/198 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 783
Page 786
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
55. INFORMASI KEUANGAN TAMBAHAN UNIT SYARIAH 55. SUPPLEMENTARY FINANCIAL INFORMATION
(lanjutan) SHARIA UNIT (continued)
2025 2024
PENDAPATAN DAN BEBAN OPERASIONAL OPERATING INCOME AND EXPENSES
Pendapatan dan beban operasional Operating Income and expenses
dari penyaluran dana from fund distribution
Pendapatan penyaluran dana Income from distribution of fund
Pendapatan dari piutang 842.640 831.277 Income from receivables
Pendapatan dari bagi hasil 437.552 348.207 Income from profit sharing
Pendapatan sewa 77.584 54.565 Leased income
Lainnya 5.425 4.828 Others
Bagi hasil untuk pemilik dana investasi Margin distribution to owners of
non profit sharing (367.426) (340.597) investment funds non profit sharing
Pendapatan setelah distribusi bagi hasil 995.775 898.280 Income after margin distribution
Pendapatan dan beban operasional Other operating income and
selain penyaluran dana expenses except fund distribution
Keuntungan penjabaran Gains on foreign
transaksi valuta asing 9 (73) currency translation
Pendapatan operasional lainnya Other operating income
Komisi/provisi/imbalan Commission/provision/fee
dan administrasi 5.893 6.213 and administrative
Pendapatan lainnya 27.614 31.854 Other income
Beban operasional lainnya Other operating expense
Beban bonus wadiah (24.456) (19.940) Wadiah bonus expenses
Kerugian penurunan nilai aset keuangan (491.569) (574.683) Impairment losses on financial assets
Kerugian terkait risiko operasional - (10) Loss on operational risk
Kerugian penurunan nilai aset lainnya (581) - Impairment losses on other assets
Beban tenaga kerja (87.304) (87.017) Salaries and employee benefits
Beban lainnya (70.425) (73.126) Other expense
Beban operasional lainnya (640.819) (716.782) Other operating expenses
LABA OPERASIONAL 354.956 181.498 OPERATING PROFIT
PENDAPATAN DAN BEBAN NON OPERATING INCOME
NON OPERASIONAL AND EXPENSES
Keuntungan penjualan aset tetap dan Gain on sales of fixed asset and
inventaris 29 59 equipment
Beban non operasional lainnya (10.269) (6.381) Non operating expenses
RUGI NON OPERASIONAL (10.240) (6.322) NON OPERATING LOSS
LABA TAHUN BERJALAN INCOME FOR YEAR
SEBELUM PAJAK 344.716 175.176 ENDED BEFORE TAX
Pajak penghasilan (76.381) (39.194) Income tax
LABA TAHUN BERJALAN INCOME FOR THE YEAR
SETELAH PAJAK BERSIH 268.335 135.982 ENDED NET OF TAX
LAMPIRAN – 5/199 – SCHEDULE
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
56. AKTIVITAS INVESTASI NON-KAS 56. NON-CASH INVESTING ACTIVITY
2025 2024*)
Aktivitas investasi non-kas: Non-cash investing activities:
Pembelian aset takberwujud yang masih Acquisition of intangible assets
terutang 28 67.582 which is still payable
Pembelian aset tetap yang masih Acquisition of fixed assets
terutang 10.126 4.877 still unpaid
Kerugian penghapusan aset tetap Loss on write off of fixed assets
dan perangkat lunak 14.880 411 and software
Dampak dari penggabungan usaha
Entitas Anak 2.864.495 - Impact from merger of Subsidiary
57. STANDAR AKUNTANSI YANG TELAH DISAHKAN 57. ACCOUNTING STANDARDS ISSUED BUT NOT YET
NAMUN BELUM BERLAKU EFEKTIF EFFECTIVE
Pada tanggal persetujuan laporan keuangan konsolidasian, At the date of authorization of these consolidated
standar, interpretasi dan amandemen-amandemen atas financial statements, the following standard,
PSAK, yang telah diterbitkan namun belum berlaku efektif, interpretation and amendments to PSAKs were issued
dengan penerapan dini diijinkan, adalah sebagai berikut: but not effective, with early application permitted:
Standar yang akan berlaku efektif pada 1 Januari 2026: Standards will be effective on 1 January 2026:
- Amandemen Tahunan PSAK 109 “Instrumen - Amendment to PSAK 109 “Financial Instruments”
Keuangan” dan Amandemen PSAK 107 “Instrumen and Amendment to PSAK 107 “Financial
Keuangan: Pengungkapan tentang Klasifikasi dan Instruments: Disclosures on Classification and
Pengukuran Instrumen Keuangan”; Measurement of Financial Instruments”;
- Penyesuaian Tahunan PSAK 110 “Laporan - Annual Improvement PSAK 110 “Consolidated
Keuangan Konsolidasian”; Financial Statements”;
- Penyesuaian Tahunan PSAK 207 "Laporan Arus - Annual Improvement PSAK 207 “Statement of
Kas"; Cash Flows”;
- Amandemen PSAK 338 “Kombinasi Bisnis Entitas - Amendment to PSAK 338 “Business Combination
Sepengendali”. Under Common Control”.
Standar yang akan berlaku efektif pada 1 Januari 2027: Standards will be effective on 1 January 2027:
- PSAK 118 “Penyajian dan Pengungkapan Dalam - PSAK 118 “Presentation and Disclosures in
Laporan Keuangan”; Financial Statements”;
- PSAK 413 "Penurunan Nilai". - PSAK 413 "Impairment Losses".
Pada saat penerbitan laporan keuangan konsolidasian, Bank As of the authorization date of these consolidated
dan Entitas Anak masih mengevaluasi dampak yang financial statements, the Bank and Subsidiary are still
mungkin timbul dari penerapan standar baru dan revisi evaluating the potential impact of these new and revised
tersebut serta pengaruhnya terhadap laporan keuangan standards to the consolidated financial statements.
konsolidasian.
*) Disajikan kembali *) As restated
LAMPIRAN – 5/200 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 785
Page 788
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
58. REKONSILIASI AKTIVITAS PENDANAAN BERSIH 58. NET FINANCING ACTIVITIES RECONCILIATION
Rekonsiliasi dari aktivitas pendanaan adalah sebagai Reconciliation from financing activities are as follows:
berikut:
2025
Saldo awal/
Beginning Arus kas/ Lain-lain/ Saldo akhir/
balance Cashflow Others Ending balance
Pinjaman yang diterima 12.372.944 (3.284.407) 113.556 9.202.093 Borrowings
Utang obligasi 6.307.230 2.203.257 12.488 8.522.975 Bond payables
Sukuk mudharabah 1.228.330 415.520 - 1.643.850 Mudharabah bonds
Pinjaman subordinasi 25.000 - - 25.000 Subordinated loan
Securities sold under
Efek dijual dengan janji repurchase
dibeli kembali 4.718.889 (2.435.459) - 2.283.430 agreement
Liabilitas sewa 496.630 (165.883) 134.058 464.805 Lease Liabilities
Jumlah liabilitas dari Total liabilities from
aktivitas pendanaan 25.149.023 (3.266.972) 260.102 22.142.153 financing activities
2024*)
Efek merging
Saldo awal/ entity/ Saldo akhir/
Beginning Arus kas/ Lain-lain/ Merging entity Ending
balance Cashflow Others effect balance
Pinjaman yang diterima 8.320.889 2.570.048 20.540 1.461.467 12.372.944 Borrowings
Utang obligasi 5.835.456 (37.718) 9.965 499.527 6.307.230 Bond payables
Sukuk mudharabah 859.000 (327.170) - 696.500 1.228.330 Mudharabah bonds
Pinjaman subordinasi 25.000 - - - 25.000 Subordinated loan
Securities sold under
Efek dijual dengan janji - repurchase
dibeli kembali - 4.718.889 - 4.718.889 agreement
Liabilitas sewa 375.990 (146.135) 266.775 - 496.630 Lease Liabilities
Jumlah liabilitas dari Total liabilities from
aktivitas pendanaan 15.416.335 6.777.914 297.280 2.657.494 25.149.023 financing activities
*) Disajikan kembali *) As restated
LAMPIRAN – 5/201 – SCHEDULE
786 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 789
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA ACCOUNTING STANDARDS
Informasi tambahan berikut yang disajikan dibawah ini The following additional information presented below is
merupakan informasi yang disyaratkan oleh regulasi yang information required by applicable regulations and is not
berlaku dan bukan/tidak merupakan informasi yang information required by Indonesian Financial
dipersyaratkan oleh Standar Akuntansi Keuangan Accounting Standards:
Indonesia:
a. Giro pada Bank Indonesia a. Current accounts with Bank Indonesia
Pemenuhan Giro Wajib Minimum (GWM) Bank dalam Fulfillment of Bank’s Statutory Reserve Requirement
mata uang Rupiah dan Valuta Asing sesuai Peraturan (GWM) in Rupiah and Foreign Currency as regulated
Bank Indonesia (PBI) No.11 tahun 2024 dan in Bank Indonesia Regulation (PBI) No.11 year 2024
pemenuhan Penyangga Likuiditas Makroprudensial and fulfilment of Macroprudential Liquidity Buffer
(PLM) sesuai PBI No.20/4/PBI/2018 dan perubahan (PLM) as regulated in PBI No.20/4/PBI/2018 and its
terakhirnya dalam PBI No.24/16/PBI/2022 serta latest amendment in PBI No.24/16/PBI/2022 along
peraturan-peraturan pelaksanaannya. Adapun rasio with its implementation regulations. Then, GWM ratio
GWM Rupiah dan mata uang asing serta rasio PLM in both Rupiah and foreign currency along with PLM
yang harus dipenuhi Bank pada tanggal 31 Desember ratio that must be met as of 31 December 2025 and
2025 dan 2024 adalah sebagai berikut: 2024 as follows:
2025 2024
Konvensional Conventional
Rupiah Rupiah
GWM secara harian1) 0,00% 0,00% Daily GWM1)
GWM secara rata-rata1) 4,80% 6,90% Average GWM1)
Penyangga Likuiditas
Makroprudensial (PLM) 4,00% 5,00% Macroprudential Liquidity Buffer
Mata uang asing Foreign currency
GWM secara harian 2,00% 2,00% Daily GWM
GWM secara rata-rata 2,00% 2,00% Average GWM
Unit Usaha Syariah Sharia Business Unit
Rupiah Rupiah
GWM secara harian1) 0,00% 0,00% Daily GWM1)
GWM secara rata-rata1) 3,50% 3,90% Average GWM1)
Mata uang asing Foreign currencies
GWM mata uang asing 1,00% 1,00% Foreign currency GWM
1)
Insentif yang diterima Bank atas penyaluran kredit atau pembiayaan 1)
Incentive received by the Bank on providing loans or financing
sebagaimana diatur dalam peraturan BI mengenai Kebijakan Insentif which regulated in Bank Indonesia regulation related to
Likuiditas Makroprudensial berupa remunerasi atau insentif (‘athaya) Macroprudential Liquiditiy Incentive as remuneration or incentive
terhadap pemenuhan GWM Rupiah untuk konvensional dan UUS (‘athaya) to fulfil Statutory Reserves in Rupiah for conventional and
pada 31 Desember 2025 masing-masing sebesar 4,20% dan 4,00% UUS on 31 December 2025 amounted to 4.20% and 4.00%,
(2024: masing-masing 2,10% dan 3,60%). Dengan demikian, respectively (2024: 2.10% and 3.60%, respectively). Then, on
pemenuhan GWM Rupiah pada 31 Desember 2025 untuk 31 December 2025, the fulfilment of Statutory Reserves in Rupiah
konvensional yang seharusnya wajib dipenuhi secara harian 0,00% for conventional which should be 0.00% for daily GWM and 9.00%
dan secara rata-rata 9,00% menjadi 4,80% dan untuk UUS yang an average become 4.80% and for UUS which should be 0.00%
seharusnya wajib dipenuhi secara harian 0,00% dan secara rata-rata for daily GWM and 7.50% an average become 3.50%.
7,50% menjadi 3,50%.
LAMPIRAN – 5/202 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 787
Page 790
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
a. Giro pada Bank Indonesia (lanjutan) a. Current accounts with Bank Indonesia
(continued)
Pada tanggal 31 Desember 2025 dan 2024, Bank telah As of 31 December 2025 and 2024, the Bank has
memenuhi rasio sesuai ketentuan di atas. Berikut fulfilled the ratio as mentioned above. The Rupiah
adalah rasio GWM Rupiah dan mata uang asing serta and Foreign currencies Minimum Statutory
PLM adalah sebagai berikut: Reserves Ratio and PLM are as follows:
2025 2024
Konvensional Conventional
Rupiah Rupiah
GWM secara harian1) 0,00% 0,00% Daily GWM1)
GWM secara rata-rata 4,86% 6,95% Average GWM
Penyangga Likuiditas
Makroprudensial (PLM) 19,89% 19,21% Macroprudential Liquidity Buffer
Mata uang asing Foreign currency
GWM secara harian2) 2,00% 2,00% Daily GWM2)
GWM secara rata-rata 2,10% 2,10% Average GWM
Unit Usaha Syariah Sharia Business Unit
Rupiah Rupiah
GWM secara harian3) 0,00% 0,00% Daily GWM3)
GWM secara rata-rata 3,69% 4,03% Average GWM
Mata uang asing Foreign currencies
GWM mata uang asing 2,69% 5,43% Foreign currency GWM
1)
Realisasi GWM konvensional secara harian Rupiah pada 31 Desember 1)
Realization of Daily GWM for conventional in Rupiah as of
2025 dan 2024 masing-masing sebesar 4,25% dan 4,09%. 31 December 2025 and 2024 amounted to 4.25% and 4.09%,
2)
Realisasi GWM konvensional secara harian mata uang asing pada respectively.
31 Desember 2025 dan 2024 masing-masing sebesar 3,14% dan 2)
Realization of Daily GWM in foreign currency as of 31 December
4,11%. 2025 and 2024 amounted to 3.14% and 4.11%, respectively.
3)
Realisasi GWM syariah secara harian untuk Rupiah pada 31 Desember 3)
Realization of Daily GWM for sharia in Rupiah as of 31 December
2025 dan 2024 masing-masing sebesar 5,14% dan 4,87%. 2025 and 2024 amounted to 5.14% and 4.87% respectively.
Pengungkapan lebih lanjut Giro pada Bank Indonesia The further disclosures on current accounts with
diungkapkan pada Catatan 5. Bank Indonesia are presented in Note 5.
b. Giro pada bank lain b. Currents accounts with other banks
Berdasarkan kolektibilitas OJK By OJK collectibility
Berdasarkan ketentuan OJK yang berlaku, semua giro Based on the prevailing OJK regulation, all current
pada bank lain pada tanggal 31 Desember 2025 dan accounts with other banks as of 31 December 2025
2024 digolongkan lancar. and 2024 were classified as current.
Pengungkapan lebih lanjut giro pada bank lain The further disclosures on current accounts with
diungkapkan pada Catatan 6. other banks are presented in Note 6.
LAMPIRAN – 5/203 – SCHEDULE
788 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 791
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
c. Penempatan pada bank lain dan Bank Indonesia c. Placements with other banks and Bank
Indonesia
Berdasarkan kolektibilitas OJK By OJK collectibility
Berdasarkan ketentuan OJK yang berlaku, seluruh Based on the prevailing OJK Regulation, all
penempatan pada bank lain dan Bank Indonesia pada placements with other banks and Bank Indonesia as
tanggal 31 Desember 2025 dan 2024 digolongkan of 31 December 2025 and 2024 were classified as
sebagai lancar. current.
Pengungkapan lebih lanjut penempatan pada bank lain The further disclosures on placements with other
dan Bank Indonesia diungkapkan pada Catatan 7. banks and Bank Indonesia are presented in Note 7.
d. Efek-efek d. Marketable securities
Berdasarkan kolektibilitas OJK By OJK collectibility
2025 2024
Lancar 19.435.589 12.828.586 Current
Diragukan - 90.000 Doubtful
19.435.589 12.918.586
Dikurangi: Less:
Kerugian kredit ekspektasian (107.188) (225.130) Expected credit losses
19.328.401 12.693.456
Pengungkapan lebih lanjut efek-efek diungkapkan pada The further disclosures on marketable securities are
Catatan 8. presented in Note 8.
e. Efek yang dibeli dengan janji dijual kembali e. Securities purchased under resale agreements
Klasifikasi kolektibilitas efek yang dibeli dengan janji Collectibility classification of securities purchased
dijual kembali pada tanggal 31 Desember 2025 dan under resale agreements as of 31 December 2025
2024 adalah lancar. and 2024 was current.
Pengungkapan lebih lanjut efek yang dibeli dengan The further disclosures on securities purchased
janji dijual kembali diungkapkan pada Catatan 9. under resale agreements are presented in Note 9.
f. Tagihan derivatif f. Derivative receivables
Pada tanggal 31 Desember 2025 dan 2024, As of 31 December 2025 and 2024, based on
berdasarkan ketentuan OJK yang berlaku, seluruh prevailing OJK regulation, all derivatives
tagihan derivatif digolongkan sebagai lancar. receivables were classified as current.
Pengungkapan lebih lanjut tagihan derivatif The further disclosures on derivative receivables
diungkapkan pada Catatan 10. are presented in Note 10.
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 789
Page 792
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
g. Pinjaman g. Loans
Pinjaman yang direstrukturisasi Restructured loans
2025
Dalam
Perhatian Kurang
Khusus/ Lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Current Mention standard Doubtful Loss Total
Modal Kerja 822.285 496.986 129.371 109.393 606.740 2.164.775 Working capital
Konsumsi 1.429.732 231.690 4.866 9.212 47.963 1.723.463 Consumer
Investasi 90.189 231.885 9.213 21.331 33.025 385.643 Investment
2.342.206 960.561 143.450 139.936 687.728 4.273.881
Dikurangi: Less:
Kerugian kredit Expected credit
ekspektasian (577.269) (580.938) (136.407) (130.469) (676.313) (2.101.396) losses
Jumlah - neto 1.764.937 379.623 7.043 9.467 11.415 2.172.485 Total - net
2024
Dalam
Perhatian Kurang
Khusus/ Lancar/
Lancar/ Special Sub- Diragukan/ Macet/ Jumlah/
Current Mention standard Doubtful Loss Total
Modal Kerja 1.195.107 582.042 1.777 147.618 796.198 2.722.742 Working capital
Konsumsi 1.552.113 254.588 7.860 13.983 72.093 1.900.637 Consumer
Investasi 114.303 308.379 21.376 31.863 87.534 563.455 Investment
2.861.523 1.145.009 31.013 193.464 955.825 5.186.834
Dikurangi: Less:
Kerugian kredit Expected credit
ekspektasian (772.441) (777.238) (17.191) (177.834) (932.003) (2.676.707) losses
Jumlah – neto 2.089.082 367.771 13.822 15.630 23.822 2.510.127 Total – net
Berdasarkan kolektibilitas OJK By OJK collectibility
Kualitas pinjaman yang diberikan berdasarkan Loans quality based on collectibility:
kolektibilitas:
2025 2024*)
Lancar 164.367.805 145.541.993 Current
Dalam perhatian khusus 6.650.604 7.901.185 Special mention
Kurang lancar 442.562 327.370 Sub-standard
Diragukan 572.700 651.593 Doubtful
Macet 1.726.650 1.788.854 Loss
173.760.321 156.210.995
Dikurangi: Less:
Kerugian kredit ekspektasian (7.383.046) (7.514.253) Expected credit losses
166.377.275 148.696.742
*) Disajikan kembali *) As restated
LAMPIRAN – 5/205 – SCHEDULE
790 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 793
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
g. Pinjaman (lanjutan) g. Loans (continued)
Informasi pokok lainnya sehubungan dengan Other significant information relating to loans
pinjaman yang diberikan
Pada tanggal 31 Desember 2025, rasio Non- As of 31 December 2025, the percentage of Non-
Performing Loan (NPL)-gross dan rasio NPL-net Performing Loan (NPL)-gross and NPL-net were
adalah masing-masing sebesar 1,64% dan 0,17% 1.64% and 0.17% (2024: 1.89% and 0.22%),
(2024: 1,89% dan 0,22%) yang dihitung berdasarkan respectively, which was calculated based on Circular
Surat Edaran OJK No.09/SEOJK.03/2020 tanggal Letter of OJK No.09/SEOJK.03/2020 dated
30 September 2020. 30 September 2020.
Rasio kredit Usaha Mikro, Kecil, dan Menengah The ratio of Micro, Small, and Medium Enterprise
(UMKM) terhadap jumlah pinjaman yang diberikan pada (MSME) loans to total loans as of 31 December
tanggal 31 Desember 2025 dan 2024 masing-masing 2025 and 2024 are 12.19% and 14.58%,
sebesar 12,19% dan 14,58%. respectively.
Pengungkapan lebih lanjut pinjaman diungkapkan The further disclosures on loans are presented in
pada Catatan 11. Note 11.
h. Piutang sewa pembiayaan h. Finance lease receivables
Pengelompokan piutang sewa pembiayaan - bruto Classification of finance lease receivables - gross
menurut jumlah hari tunggakan adalah sebagai berikut: based on days overdue is as follows:
2025 2024
- Tidak ada tunggakan 3.111.949 2.235.633 No past due -
- 1 - 90 hari 301.297 265.659 1 - 90 days -
- 91 - 120 hari 7.214 3.315 91 - 120 days -
- 121 - 180 hari 12.408 6.039 121 - 180 days -
Piutang sewa pembiayaan Finance lease receivables
- bruto 3.432.868 2.510.646 - gross
Pengungkapan lebih lanjut piutang sewa pembiayaan The further disclosures on finance lease
diungkapkan pada Catatan 13. receivables are presented in Note 13.
i. Tagihan akseptasi i. Acceptance receivables
Berdasarkan kolektibilitas OJK By OJK collectibility
2025 2024
Lancar 1.081.153 1.134.593 Current
Dalam perhatian khusus - 1.407 Special mention
1.081.153 1.136.000
Dikurangi: Less:
Kerugian kredit ekspektasian (2.939) (6.470) Expected credit losses
1.078.214 1.129.530
Pengungkapan lebih lanjut tagihan akseptasi The further disclosures on acceptance
diungkapkan pada Catatan 14. receivables are presented in Note 14.
LAMPIRAN – 5/206 – SCHEDULE
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Page 794
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
j. Komitmen dan kontijensi j. Commitments and contingencies
Liabilitas komitmen Commitment liabilities
Berdasarkan kolektibilitas OJK By OJK collectibility
2025 2024
Lancar 6.989.702 5.977.915 Current
Dalam perhatian khusus - 2.454 Special mention
Jumlah 6.989.702 5.980.369 Total
Liabilitas kontijensi Contigencies liabilities
Berdasarkan kolektibilitas OJK By OJK collectibility
2025 2024
Lancar 9.868.590 8.318.681 Current
Dalam perhatian khusus 1.874 574 Special mention
Macet 50 300 Loss
Jumlah 9.870.514 8.319.555 Total
Pengungkapan lebih lanjut komitmen dan kontijensi The further disclosures on commitments and
diungkapkan pada Catatan 46. contingencies are presented in Note 46.
k. Kerangka manajemen risiko k. Risk management framework
Dalam rangka memenuhi Peraturan OJK In order to comply with OJK’s Regulation No.5 Year
No.5 Tahun 2024, Bank telah membuat dan melakukan 2024, the Bank has developed and reviewed
kaji ulang tahunan atas Rencana Aksi Pemulihan Recovery Plan on annual basis in which the Bank has
(“Recovery Plan”) dan dalam hal ini Bank telah set various recovery options that are assessed in
menetapkan berbagai opsi pemulihan yang telah dinilai terms of feasibility, credibility, implementation
dalam hal kelayakan, kredibilitas, kerangka waktu timeframe and effectiveness in order to ensure that
implementasi dan efektivitas guna mempertahankan the Bank able to survive in facing a range of severe
Bank dalam menghadapi serangkaian skenario stress but plausible stress scenarios.
parah yang mungkin terjadi.
Sesuai dengan POJK No.51/POJK.03/2017 tentang According to POJK No.51/POJK.03/2017 regarding
Penerapan Keuangan Berkelanjutan Bagi Lembaga Implementation of Sustainable Finance for Financial
Jasa Keuangan, Emiten, dan Perusahaan Publik yang Service Institution, Issuers, and Public Company
dikeluarkan pada tahun 2017, Bank issued in 2017, the Bank has implemented the
mengimplementasikan Keuangan Berkelanjutan sejak Sustainable Finance since 1 January 2019.
1 Januari 2019.
Pengungkapan lebih lanjut kerangka manajemen The further disclosures on risk management
risiko diungkapkan pada Catatan 50. framework are presented in Note 50.
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
l. Risiko pasar l. Market risk
Risiko mata uang asing Foreign currency risk
2025
Posisi Devisa
Liabilitas/ Neto/Net Open
Mata Uang Aset/Assets Liabilities Position Currencies
Keseluruhan Aggregate (Statement
(Laporan posisi keuangan of financial position
dan Rekening Administratif) and Off-Balance Sheet)
Dolar Amerika Serikat 67.572.254 66.572.309 999.945 United States Dollar
Great Britain Pound 124.641 1.024.694 900.053 Great Britain Pound
Offshore Yuan China 252.963 44.524 208.439 Offshore China Yuan
Yuan China 315.110 499.200 184.090 China Yuan
Singapura Dolar 1.815.130 1.901.316 86.186 Singapore Dollar
Euro Eropa 612.002 574.757 37.245 European Euro
Yen Jepang 1.146.438 1.174.336 27.898 Japanese Yen
Dolar Hongkong 18.213 6.735 11.478 Hongkong Dollar
Dolar Australia 804.130 798.783 5.347 Australian Dollar
New Zealand Dolar 45.062 41.316 3.746 New Zealand Dollar
Franc Swiss 2.838 767 2.071 Swiss Franc
Lain-lain 478.164 475.508 5.972 *) Other currencies
Jumlah 2.472.470 Total
Jumlah Modal Tier I dan II 41.196.775 Total Tier I and II Capital
Rasio PDN (Keseluruhan) 6,00% NOP Ratio (Aggregate)
2024
Posisi Devisa
Liabilitas/ Neto/Net Open
Mata Uang Aset/Assets Liabilities Position Currencies
Keseluruhan Aggregate (Statement
(Laporan posisi keuangan of financial position
dan Rekening Administratif) and Off-Balance Sheet)
Offshore Yuan China 6.919.738 6.685.624 234.114 Offshore China Yuan
Yuan China 189.904 423.801 233.897 China Yuan
Dolar Amerika Serikat 55.827.528 55.722.121 105.407 United States Dollar
Singapura Dolar 1.433.701 1.464.736 31.035 Singapore Dollar
Euro Eropa 534.953 510.064 24.889 European Euro
Yen Jepang 787.481 792.395 4.914 Japanese Yen
Dolar Hongkong 3.515 2 3.513 Hongkong Dollar
New Zealand Dolar 43.981 40.915 3.066 New Zealand Dollar
Dolar Australia 1.009.572 1.006.627 2.945 Australian Dollar
Lain-lain 157.001 147.366 9.635 *) Other currencies
Jumlah 653.415 Total
Jumlah Modal Tier I dan II 37.671.446 Total Tier I and II Capital
Rasio PDN (Keseluruhan) 1,73% NOP Ratio (Aggregate)
*) Merupakan penjumlahan dari nilai absolut atas selisih aset dan liabilitas *) The sum of the absolute values of the difference between assets and
di Laporan posisi keuangan untuk setiap mata uang asing ditambah liabilities at the Statement of financial position for each foreign currency
dengan selisih tagihan dan liabilitas dalam bentuk komitmen dan and added with the difference between receivables and liabilities in the
kontinjensi. form of commitments and contingencies.
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
l. Risiko pasar (lanjutan) l. Market risk (continued)
Risiko tingkat suku bunga Interest rate risk
Metode yang digunakan dalam hal pengelolaan risiko The method used in terms of managing Banking
suku bunga Banking Book untuk analisis sensitivitas Book Interest rate risk for sensitivity analysis are
adalah EVE dan NII seperti yang digunakan dalam EVE and NII as stipulated in OJK circular letter
SEOJK No.12/SEOJK.03/2018 tentang Penerapan SEOJK No.12/SEOJK.03/2018 concerning Risk
Manajemen Risiko dan Pengukuran Risiko Management Implementation and Standardized
Pendekatan Standar untuk Risiko Suku Bunga dalam Approach Risk Measurement for Interest Rate Risk
banking Book. Pada kedua metode tersebut, analisis in the banking Book. Under both methods,
sensitivitas dilakukan dengan menaikkan dan sensitivity analysis is conducted by increasing and
menurunkan suku bunga sesuai dengan skenario decreasing the interest rate in accordance to the
yang ditetapkan pada SEOJK tersebut. Rasio-rasio scenarios stipulated in the circular letter. These
ini dipantau secara berkala, ditetapkan limitnya, ratios are monitored periodically, limits are set, and
dimonitor secara ketat dan dilakukan ekalasi sesuai closely monitored and escalated in accordance with
dengan kebijakan yang ada apabila terdapat existing policies if there is a violation of existing
pelanggaran atas limit yang ada. limits.
Pengelolaan risiko suku bunga pada trading book Interest rate risk management in the trading book is
dilakukan melalui pengukuran terhadap posisi dan carried out through position measurements and
juga melalui pengukuran yang lebih sensitif terhadap also through measurements that are more sensitive
risiko suku bunga seperti DV01 (per tenor bucket dan to interest rate risk such as DV01 (per bucket tenor
mata uang), Greeks, Stop Loss Limit dan Stress and currency), Greeks, Stop Loss Limit and Stress
Testing. Testing.
Pengungkapan lebih lanjut risiko pasar diungkapkan The further disclosures on market risk are
pada Catatan 50. presented in Note 50.
m. Batas maksimum pemberian kredit bank umum m. Legal lending limit for commercial
(“BMPK”) banks(“LLL”)
Pada tanggal 31 Desember 2025 dan As of 31 December 2025 and 2024, there was no
2024, tidak terdapat pelampauan BMPK kepada excess of LLL to both related parties and non-
pihak terkait maupun pihak tidak terkait. related parties.
Bank telah menerapkan peraturan OJK The Bank has implemented OJK regulation
No.38/POJK.03/2017 tentang penerapan manajemen No.38/POJK.03/2017 regarding the implementation
risiko secara konsolidasi bagi Bank yang melakukan of consolidated risk management to the Subsidiary
pengendalian terhadap Entitas Anak dalam which are controlled by the Bank in the Bank’s LLL
perhitungan BMPK Bank. calculation.
Perhitungan BMPK 31 Desember 2025 dan LLL calculation as of 31 December 2025 and 2024 are
2024 disusun berdasarkan: prepared based on:
- Peraturan OJK No.32/POJK.03/2018 tentang - OJK Regulation No.32/POJK.03/2018 regarding
Batas Maksimum Pemberian Kredit dan Legal Lending Limit and Large Exposure for
Penyediaan Dana Besar Bagi Bank Umum yang Commercial Bank which is effective starting on
berlaku mulai 1 Juni 2019; dan 1 June 2019; and
- Peraturan OJK No.38/POJK.03/2019 tentang - OJK Regulation No.38/POJK.03/2019 regarding
Perubahan atas Peraturan OJK Amendments of OJK Regulation
No.32/POJK.03/2018 tentang Batas Maksimum No.32/POJK.03/2018 regarding Legal Lending
Pemberian Kredit dan Penyediaan Dana Besar Limit and Large Exposure for Commercial Bank
Bagi Bank Umum yang berlaku mulai 1 Januari which is effective starting on 1 January 2020.
2020.
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
m. Batas maksimum pemberian kredit bank umum m. Legal lending limit for commercial
(“BMPK”) (lanjutan) banks(“LLL”) (continued)
Batas maksimum penyediaan dana diatur sebagai The maximum lending limit is as follows:
berikut:
- kepada Pihak Terkait tidak melebihi 10% dari - to Related Parties do not exceed than 10% from
modal Bank; Bank’s capital;
- kepada satu peminjam yang Bukan Pihak Terkait - to one Non-Related Party debtor does not
tidak melebihi 25% dari modal inti Bank; exceed than 25% of the Bank’s tier 1 capital;
- kepada satu kelompok peminjam yang Bukan - to one Non-Related Party group debtors do not
Pihak Terkait tidak melebihi 25% dari modal inti exceed than 25% of the Bank’s tier 1 capital; and
Bank; dan
- kepada Badan Usaha Milik Negara (BUMN) untuk - to State Own Entities (SOE) for development
tujuan pembangunan tidak melebihi 30% dari purpose does not exceed than 30% from
modal Bank. Bank’s capital.
n. Manajemen permodalan n. Capital management
Penerapan Bank atas risiko pasar, risiko kredit, dan The Bank implementation on market risk, credit
risiko operasional dalam permodalan adalah sebagai risk, and operational risk in capital is as follows:
berikut:
Risiko pasar Market risk
Bank telah menerapkan perhitungan ATMR Risiko The Bank has implemented the RWA Calculation
Pasar dengan pendekatan standar - Basel III Reform for Market Risk using the standardized approach -
untuk mengelola risiko pasar sesuai Surat Edaran Basel III reform in accordance with OJK Circular
OJK No.23/SEOJK.03/2022 tanggal 7 Desember Letter No.23/SEOJK.03/2022 dated 7 December
2022, yang efektif berlaku sejak 1 Januari 2024. 2022, effective since 1 January 2024. This
Ketentuan ini menggantikan Surat Edaran OJK regulation replaces OJK Circulation Letter
No.38/SEOJK.03/2016 tentang Perhitungan Aset No.38/SEOJK.03/2016 regarding calculation of
Tertimbang Menurut Risiko untuk Risiko Pasar Risk Weighted Assets for Market Risk with
dengan menggunakan pendekatan standar tanggal standardize approach dated 8 September 2016.
8 September 2016.
Risiko kredit Credit risk
Bank telah menerapkan perhitungan ATMR Risiko The Bank has implemented the RWA Calculation
Kredit dengan pendekatan standar - Basel III Reform for Credit Risk using the standardize approach -
sesuai Surat Edaran OJK No.24/SEOJK.03/2021 Basel III Reform in accordance with OJK Circular
tanggal 7 Oktober 2021, yang efektif berlaku sejak Letter No.24/SEOJK.03/2021 dated 7 October
1 Januari 2023 dengan tambahan Surat Edaran OJK 2021, effective since 1 January 2023 with additional
No.16/SEOJK.03.2023 tentang Perhitungan OJK Circular Letter No.16/SEOJK.03.2023 on
Permodalan untuk Eksposur Bank terhadap Capital Calculation for Bank Exposure to Central
Lembaga Central Counterparty tanggal 19 Oktober Counterparty Institution dated 19 October 2023.
2023. Ketentuan ini menggantikan Surat Edaran OJK This regulation replaces OJK Circular Letter
No.42/SEOJK.03/2016 tentang Perhitungan Aset No.42/SEOJK.03/2016 regarding calculation of
Tertimbang Menurut Risiko untuk Risiko Kredit Risk Weighted Assets for Credit Risk with
dengan menggunakan pendekatan standar tanggal standardize approach dated 28 September 2016.
28 September 2016.
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Page 798
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
n. Manajemen permodalan (lanjutan) n. Capital management (continued)
Risiko operasional Operational risk
Untuk pengelolaan risiko operasional, Bank For operational risk management, the Bank uses
menerapkan pendekatan standar sesuai Surat Edaran standard approach in accordance with OJK
OJK No.6/SEOJK.03/2020 tanggal 29 April 2020, Circular Letter No.6/SEOJK.03/2020 dated
yang efektif berlaku sejak tanggal 1 Januari 2023. 29 April 2020, effective since 1 January 2023. This
Ketentuan ini menggantikan Surat Edaran OJK Provision replacing OJK Circular Letter
No.24/SEOJK.03/2016 tentang Perhitungan Aset No.24/SEOJK.03/2016 regarding calculation of
Tertimbang Menurut Risiko untuk Risiko Operasional Risk Weighted Assets for Operational Risk using
dengan menggunakan Pendekatan Indikator Dasar basic indicator approach 14 July 2016.
tanggal 14 Juli 2016.
Untuk Kewajiban Penyediaan Modal Minimum (KPMM), The Capital Adequacy Ratio (CAR) calculation made
Bank telah melakukan perhitungan sesuai Peraturan by the Bank is in accordance with OJK regulation
OJK No.11/POJK.03/2016 tanggal 29 Januari 2016 serta No.11/POJK.03/2016 dated 29 January 2016 and its
perubahannya sesuai Peraturan OJK No.27 Tahun 2022 amendments in accordance with OJK regulation
tanggal 7 Desember 2022. Struktur permodalan Bank No.27/2022 dated 7 December 2022. The current
saat ini terdiri dari: Bank capital structure consists of:
i. Modal inti (tier 1) terdiri dari komponen-komponen i. Core capital (tier 1) consists of components
yang seluruhnya termasuk dalam modal inti utama which are included in main core capital
(common equity tier 1). (common equity tier 1).
Modal inti (tier 1) tersebut terdiri dari modal disetor The core capital (tier 1) comprises of paid-up
dan cadangan tambahan modal dikurangi dengan capital and disclosed reserves less
perhitungan pajak tangguhan, aset tidak berwujud deductions for deferred tax, intangible
dan penyertaan di Entitas Anak. assets and investment in Subsidiary.
Cadangan tambahan modal terdiri dari agio Disclosed reserve consists of additional paid
saham, cadangan umum, laba tahun-tahun lalu, up capital, general reserves, prior year profit,
laba tahun berjalan, penghasilan komprehensif current year profit, other comprehensive
lainnya, dikurangi selisih kurang antara PPA dan income less shortage in regulatory provision
kerugian kredit ekspektasian atas aset produktif, on allowance for impairment loss for
dan PPA atas aset non produktif yang wajib productive assets and non-productive
dihitung. assets.
ii. Modal pelengkap (tier 2) terdiri dari cadangan ii. Supplementary capital (tier 2) comprises the
umum PPA atas aset produktif yang wajib dibentuk regulatory provision general reserve on
(maksimum 1,25% dari ATMR untuk risiko kredit) productive assets (maximum 1.25% from
dan instrumen modal dalam bentuk pinjaman RWA for credit risk) and subordinated loan
subordinasi yang memenuhi persyaratan tier 2. which is qualified as capital instrument in
tier 2.
Selain itu, sesuai dengan PBI No.17/22/PBI/2015 tanggal Furthermore, according to BI Regulation
23 Desember 2015 tentang Kewajiban Pembentukan No.17/22/PBI/2015 dated 23 December 2015 about
Countercyclical Buffer dan POJK No.2/POJK.03/2018 Countercyclical Buffer Requirement and OJK
tanggal 26 Juni 2018 tentang Penetapan Systemically regulation No.2/POJK.03/2018 dated 26 June 2018
Important Bank dan Capital Surcharge, Bank wajib about Stipulation of Systemically Important Bank
membentuk tambahan modal sebagai penyangga and Capital Surcharge, Bank need to provide
(buffer) dan capital surcharge yang telah berlaku penuh additional capital buffers and capital surcharge
sejak 1 Januari 2019. which fully implemented since 1 January 2019.
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Page 799
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
n. Manajemen permodalan (lanjutan) n. Capital management (continued)
Risiko operasional (lanjutan) Operational risk (continued)
Hasil penilaian menunjukkan bahwa Bank mampu The assessment result shows that the Bank has met
memenuhi ketentuan KPMM minimum sesuai dengan the minimum CAR in accordance to its risk profile,
profil risiko, dan mampu memenuhi ketentuan tambahan and met additional capital buffers requirement and
modal (buffer) dan capital surcharge, baik untuk Bank capital surcharge, both on standalone and
maupun konsolidasi. consolidated basis.
Berikut adalah posisi modal berdasarkan peraturan BI The following is the Bank’s capital position based on
dan OJK pada tanggal 31 Desember 2025 dan BI and OJK regulation as of 31 December 2025 and
2024: 2024:
2025 2024*)
Bank Bank
Dengan memperhitungkan risiko
kredit, risiko pasar With credit risk, market risk
dan risiko operasional and operational risk
- Aset Tertimbang Menurut Risiko 174.475.976 154.919.039 Risk Weighted Assets -
- Jumlah modal 41.518.095 37.777.091 Total capital -
- Rasio Kewajiban Penyediaan Minimum Capital Adequacy -
Modal Minimum 23,80% 24,38% Requirement Ratio
Bank dan Entitas Anak Bank and Subsidiary
Dengan memperhitungkan risiko
kredit, risiko pasar With credit risk, market risk
dan risiko operasional and operational risk
- Aset Tertimbang Menurut Risiko 206.001.965 185.266.704 Risk Weighted Assets -
- Jumlah modal 52.266.404 50.306.409 Total capital -
- Rasio Kewajiban Penyediaan Minimum Capital Adequacy -
Modal Minimum 25,37% 27,15% Requirement Ratio
Manajemen permodalan dilakukan dengan memonitor Capital management is done through monitoring the
jumlah modal dan rasio modal secara berkala dengan capital base and capital ratios based on industry
mengikuti standar industri guna mengukur kecukupan standards in order to measure capital adequacy. BI’s
permodalan. Pendekatan BI dan OJK atas pengukuran and OJK’s approach to such measurement is
tersebut terutama berdasarkan pengukuran dan primarily based on measurement and monitoring the
pemantauan atas kebutuhan modal minimum terhadap minimum capital requirement to the available capital
ketersediaan sumber modal. resources.
Bank telah memenuhi ketentuan BI dan OJK yang The Bank has fulfilled the BI’s and OJK’s regulation
berlaku tentang Kewajiban Penyediaan Modal Minimum regarding the Minimum Capital Adequacy
(KPMM) dan perhitungan Aktiva Tertimbang Menurut Requirement (CAR) and calculation of Risk Weighted
Risiko (ATMR). Assets (RWA).
*) Disajikan kembali *) As restated
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Page 800
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
59. INFORMASI TAMBAHAN YANG TIDAK 59. ADDITIONAL INFORMATION THAT IS NOT
DIPERSYARATKAN OLEH STANDAR AKUNTANSI REQUIRED BY INDONESIAN FINANCIAL
KEUANGAN INDONESIA (lanjutan) ACCOUNTING STANDARDS (continued)
n. Manajemen permodalan (lanjutan) n. Capital management (continued)
Risiko operasional (lanjutan) Operational risk (continued)
Bank juga telah menerapkan mekanisme Internal The Bank has also implemented Internal Capital
Capital Adequacy Assessment Process (ICAAP) yaitu Adequacy Assessment Process (ICAAP)
merupakan proses penilaian sendiri oleh Bank dimana mechanism, which is self assessment process by
tidak hanya meliputi kecukupan modal dari risiko-risiko Bank where it does not only cover capital adequacy
dasar dalam Pilar I (Risiko Kredit, Pasar dan from basic risks under Pillar I (Credit, Market and
Operasional) tetapi juga mempertimbangkan Operational Risk) but also take into consideration
kecukupan modal untuk risiko-risiko lainnya (Risiko capital adequacy of other risks (Credit Concentration
Konsentrasi Kredit, Risiko Suku Bunga Buku Bank, Risk, Banking Book Interest Risk, Liquidity Risk and
Risiko Likuiditas dan Dampak dari Stress Test) seperti Stress Test Impact) as specified in Pillar 2 Basel &
disebutkan dalam Pilar 2 Basel dan sesuai ketentuan according to OJK’s regulation.
OJK.
Sebagai bagian dari Pilar 3 Basel, Keterbukaan dan As part of Pillar 3 Basel, Disclosure and Market
Disiplin Pasar juga diterapkan oleh Bank mulai dari Discipline is also implemented by the Bank starting
tahun 2012 melalui publikasi Laporan Tahunan sesuai 2012 through its Annual Report publication as per
ketentuan OJK. OJK regulation.
Pengungkapan lebih lanjut manajemen permodalan The further disclosures on capital management are
diungkapkan pada Catatan 54. presented in Note 54.
60. PENYAJIAN KEMBALI AKUN LAPORAN KEUANGAN 60. RESTATEMENT ACCOUNTS OF THE
KONSOLIDASIAN CONSOLIDATED FINANCIAL STATEMENTS
Laporan keuangan konsolidasian pada tanggal The consolidated financial statements as of
31 Desember 2024 telah disajikan kembali untuk 31 December 2024 have been restated to reflect the
mencerminkan dampak penggabungan usaha antara merger of ADMF and MFIN as discussed in notes 1c,
ADMF dengan MFIN sesuai dengan informasi yang telah under pooling of interest method, for which the financial
disebutkan pada catatan 1c, dengan metode penyatuan statement for the comparative period are restated
kepemilikan, dimana laporan keuangan untuk periode retrospectively as if the merger had occurred from the
komparatif disajikan kembali secara retrospektif seolah- date MFIN became under common control with ADMF,
olah penggabungan usaha telah terjadi sejak tanggal MFIN since 1 April 2024.
berada dalam satu pengendalian dengan ADMF, yaitu
sejak 1 April 2024.
Penyajian kembali atas laporan keuangan konsolidasian The restatement of the consolidated financial
untuk tahun yang berakhir pada tanggal 31 Desember statements for the year ended 31 December 2024 is as
2024 adalah sebagai berikut: follows:
2024
Dilaporkan
sebelumnya/ Disajikan
As previously Penyesuaian kembali/
reported /Adjustments As restated
Aset Asset
Kas 2.467.706 34.512 2.502.218 Cash
Current accounts with Bank
Giro pada Bank Indonesia 6.382.075 - 6.382.075 Indonesia
Dipindahkan 8.849.781 34.512 8.884.293 Carried forward
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Page 801
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
60. PENYAJIAN KEMBALI AKUN LAPORAN KEUANGAN 60. RESTATEMENT ACCOUNTS OF THE
KONSOLIDASIAN (lanjutan) CONSOLIDATED FINANCIAL STATEMENTS
(continued)
2024
Dilaporkan
sebelumnya/ Disajikan
As previously Penyesuaian/ kembali/
reported Adjustments As restated
Aset (lanjutan) Asset (continued)
Pindahan 8.849.781 34.512 8.884.293 Carried forward
Current accounts with
Giro pada bank lain 1.670.476 269.108 1.939.584 other banks
Penempatan pada bank lain dan Placements with other
Bank Indonesia 4.417.045 - 4.417.045 banks and Bank Indonesia
Efek-efek 12.693.456 - 12.693.456 Marketable securities
Obligasi Pemerintah 21.379.405 - 21.379.405 Government Bonds
Efek yang dibeli dengan janji Securities purchased under
dijual kembali 2.017.413 - 2.017.413 resale agreements
Tagihan derivatif 435.636 8.263 443.899 Derivative receivables
Pinjaman yang diberikan 148.746.742 (50.000) 148.696.742 Loans
Piutang pembiayaan Consumer financing
konsumen 25.702.048 5.889.681 31.591.729 receivables
Piutang sewa pembiayaan 2.235.399 - 2.235.399 Finance lease receivables
Tagihan akseptasi 1.129.530 - 1.129.530 Acceptance receivables
Pajak dibayar dimuka 2.141.388 - 2.141.388 Prepaid taxes
Investasi dalam saham 476.683 - 476.683 Investments in shares
Investasi pada entitas
asosiasi 1.869.813 901.143 968.670 Investment in associate
Aktiva tidak berwujud 1.960.549 50.275 2.010.824 Intangible assets
Aktiva tetap dan Aset hak Fixed asset and
guna 2.482.645 207.917 2.690.562 Right-of-use assets
Aset pajak tangguhan 1.974.677 81.566 2.056.243 Deferred tax assets
Beban dibayar dimuka Prepayments and other
dan asset lain-lain 5.063.450 42.673 5.106.123 assets
Jumlah Aset 242.334.540 5.632.852 247.967.392 Total Asset
Liabilitas Liabilities
Simpanan nasabah 150.569.469 (101.742) 150.467.727 Deposits from customers
Simpanan dari bank lain 4.204.749 - 4.204.749 Deposits from other banks
Utang akseptasi 1.136.000 - 1.136.000 Acceptance payables
Efek yang dijual dengan janji Securities sold under
dibeli kembali 4.718.889 - 4.718.889 repurchase agreements
Utang obligasi 6.307.230 - 6.307.230 Bonds payable
Sukuk mudharabah 831.830 396.500 1.228.330 Mudharabah bonds
Pinjaman yang diterima 10.450.188 1.922.756 12.372.944 Borrowings
Utang pajak 259.450 108.938 368.388 Tax payable
Liabilitas derivatif 676.369 - 676.369 Derivative liabilities
Pinjaman subordinasi 25.000 - 25.000 Subordinated loan
Beban yang masih harus
dibayar dan liabilitas lain-lain 11.329.809 313.114 11.642.922 Accrual and other liabilities
Jumlah Liabilitas 190.508.983 2.639.566 193.148.548 Total Liabilities
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PT Bank Danamon Indonesia Tbk | 2025 Annual Report 799
Page 802
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
60. PENYAJIAN KEMBALI AKUN LAPORAN KEUANGAN 60. RESTATEMENT ACCOUNTS OF THE
KONSOLIDASIAN (lanjutan) CONSOLIDATED FINANCIAL STATEMENTS
(continued)
2024
Dilaporkan
sebelumnya/ Disajikan
As previously Penyesuaian/ kembali/
reported Adjustments As restated
Ekuitas Equity
Modal Saham - Modal Share capital - Issued and
ditempatkan dan disetor penuh 5.995.577 - 5.995.577 fully paid
Tambahan modal disetor 7.985.971 - 7.985.971 Additional paid-up capital
Modal disetor lainnya 189 - 189 Other paid-up capital
Komponen ekuitas lainnya (114.504) - (114.504) Other equity components
Ekuitas merging entity - 2.247.958 2.247.958 Merging entity equity
Saldo Laba Retained earnings
- Sudah ditentukan
penggunaannya 563.887 - 563.887 Appropriated -
- Belum ditentukan
penggunaannya 36.636.512 - 36.636.512 Unappropriated -
Jumlah saldo laba 37.200.399 - 37.200.399 Total retained earnings
Kepentingan non-pengendali 757.925 745.329 1.503.254 Non-controlling interests
Jumlah Ekuitas 51.825.557 2.993.287 54.818.844 Total Equity
Jumlah Liabilitas dan Ekuitas 242.334.540 5.632.853 247.967.392 Total Liabilities and Equity
Statement Of Profit Or Loss
Laporan laba rugi dan and Other Comprehensive
penghasilan komprehensif Income
PENDAPATAN DAN BEBAN OPERATING INCOME AND
OPERASIONAL EXPENSES
Pendapatan bunga 22.788.935 1.708.588 24.497.523 Interest income
Beban bunga (7.184.116) (157.487) (7.341.603) Interest expense
Pendapatan bunga neto 15.604.819 1.551.101 17.155.920 Pendapatan bunga neto
PENDAPATAN OPERASIONAL
LAINNYA OTHER OPERATING INCOME
Pendapatan provisi dan komisi Fees and commission
1.443.765 57.867 1.501.632 income
Imbalan jasa 2.487.474 561 2.488.035 Other fees
Kerugian dari perubahan nilai Losses from changes in fair
wajar atas instrumen keuangan value of financial
yang diukur pada nilai wajar instruments at fair value
melalui laba rugi - neto (19.821) - (19.821) through profit or loss - net
Kerugian yang telah direalisasi Realized losses from
atas instrumen derivatif - neto (44.690) - (44.690) derivative instruments - net
Keuntungan atas transaksi dalam Gains from foreign exchange
mata uang asing - neto 381.441 - 381.441 transactions - net
Pendapatan dividen 4.294 - 4.294 Dividend income
Share in net income of
Bagian laba bersih entitas asosiasi 52.796 (20.110) 32.686 associate
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The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
60. PENYAJIAN KEMBALI AKUN LAPORAN KEUANGAN 60. RESTATEMENT ACCOUNTS OF THE
KONSOLIDASIAN (lanjutan) CONSOLIDATED FINANCIAL STATEMENTS
(continued)
2024
Dilaporkan
sebelumnya/ Disajikan
As previously Penyesuaian/ kembali/
reported Adjustments As restated
Laporan laba rugi dan Statement Of Profit Or Loss
penghasilan komprehensif and Other Comprehensive
(lanjutan) Income (continued)
PENDAPATAN OPERASIONAL OTHER OPERATING INCOME
LAINNYA (lanjutan) (continued)
Gains on sale of marketable
Keuntungan penjualan efek-efek securities and Government
dan Obligasi Pemerintah - neto 321.312 - 321.312 Bonds - net
4.626.571 38.318 4.664.889
BEBAN OPERASIONAL OTHER OPERATING
LAINNYA EXPENSES
Beban provisi dan komisi lain Other fees and commissions
(387.289) (6.998) (394.287) expenses
Beban umum dan administrasi General and administrative
(4.690.276) (274.826) (4.965.102) expenses
Beban tenaga kerja dan Salaries and employee
tunjangan (6.400.012) (422.409) (6.822.421) benefits
Kerugian penurunan nilai pada Net Impairment losses on
aset keuangan neto (4.490.981) (363.877) (4.854.858) financial assets
Beban Operasional lainnya - Other operational expense -
lainnya (22.523) 1.119 (21.324) others
(15.991.081) (1.066.911) (17.057.992)
PENDAPATAN OPERASIONAL
NETO 4.240.309 522.508 4.762.817 NET OPERATING INCOME
PENDAPATAN DAN BEBAN NON-OPERATING
BUKAN OPERASIONAL INCOME AND EXPENSES
Pendapatan bukan operasional 97.359 21.317 118.676 Non-operating income
Beban bukan operasional (154.085) (9.769) (163.854) Non-operating expenses
BEBAN BUKAN OPERASIONAL NET NON-OPERATING
NETO (56.726) 11.548 (45.178) EXPENSES
LABA SEBELUM PAJAK INCOME BEFORE INCOME
PENGHASILAN 4.183.583 534.056 4.717.639 TAX
Beban pajak penghasilan (892.698) (129.937) (1.022.635) Income tax expenses
LABA BERSIH 3.290.885 404.119 3.695.004 NET INCOME
LAMPIRAN – 5/216 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 801
Page 804
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
60. PENYAJIAN KEMBALI AKUN LAPORAN KEUANGAN 60. RESTATEMENT ACCOUNTS OF THE
KONSOLIDASIAN (lanjutan) CONSOLIDATED FINANCIAL STATEMENTS
(continued)
2024
Dilaporkan
sebelumnya/ Disajikan
As previously Penyesuaian/ kembali/
reported Adjustments As restated
Laporan laba rugi dan Statement Of Profit Or Loss
penghasilan komprehensif and Other Comprehensive
(lanjutan) Income (continued)
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE
LAIN INCOME
Pos-pos yang tidak akan Items that will not be
direklasifikasi ke laba rugi reclassified to profit or loss
Pengukuran Kembali atas Remeasurement of post
liabilitas imbalan pasca kerja 14.824 (22.646) (7.822) employee benefit tobligation
Pajak penghasilan terkait dengan Income tax related to
pengukuran kembali atas remeasurement of post
liabilitas imbalan pasca kerja employment benefit
(3.261) 4.982 1.721 obligation
Remeasurement of post
Pengukuran kembali atas employment benefit
liabilitas imbalan pasca kerja obligation from associate -
dari entitas asosiasi - neto 231 - 231 net
Perubahan nilai wajar pada Changes in fair value of
investasi dalam saham yang investment in shares
diukur pada FVOCI - neto (10.721) - (10.721) measured at FVOCI - net
Pos-pos yang akan Items that will be reclassified
direklasifikasi ke laba rugi to profit or loss
Financial assets measured at
Aset keuangan diukur pada nilai fair value through other
wajar melalui penghasilan comprehensive income:
komprehensif lain: Perubahan Changes in fair value in
nilai wajar pada tahun berjalan (121.563) - (121.563) current year
Kerugian penurunan nilai (6) - (6) Impairment losses
Jumlah yang ditransfer ke laba Amount transferred to
rugi sehubungan dengan profit or loss in respect of
perubahan nilai wajar (12.013) - (12.013) fair value changes
Perubahan nilai wajar pada Changes in fair value of
lindung nilai arus kas (13.618) - (13.618) cashflow hedge
Income tax related to
Pajak penghasilan terkait dengan other comprehensive
penghasilan komprehensif lain 32.383 - 32.383 income
Aset keuangan diukur pada nilai Financial assets measured at
wajar melalui penghasilan fair value through other
komprehensif lain dari entitas comprehensive income from
asosiasi - neto (7.487) - (7.487) associate - net
(121.231) (17.664) (138.895)
TOTAL COMPREHENSIVE
JUMLAH LABA KOMPREHENSIF 3.169.654 386.455 3.556.109 INCOME
LAMPIRAN – 5/217 – SCHEDULE
802 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 805
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
DAN ENTITAS ANAK AND SUBSIDIARY
CATATAN ATAS LAPORAN NOTES TO THE CONSOLIDATED
KEUANGAN KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
60. PENYAJIAN KEMBALI AKUN LAPORAN KEUANGAN 60. RESTATEMENT ACCOUNTS OF THE
KONSOLIDASIAN (lanjutan) CONSOLIDATED FINANCIAL STATEMENTS
(continued)
2024
Dilaporkan
sebelumnya/ Disajikan
As previously Penyesuaian/ kembali/
reported Adjustments As restated
Laporan laba rugi dan Statement Of Profit Or Loss
penghasilan komprehensif and Other Comprehensive
(lanjutan) Income (continued)
Laba bersih yang dapat
diatribusikan kepada: Net income attributable to:
Laba bersih yang dapat diatribusikan Net income attributable to equity
kepada pemilik entitas induk 3.179.335 303.493 3.482.828 holders of the parent entity
Laba bersih yang dapat diatribusikan
kepada Kepentingan non- Net income attributable to
pengendali 111.550 100.626 212.176 non-controlling interests
3.290.885 404.119 3.695.004
Jumlah laba komprehensif yang Total comprehensive income
dapat diatribusikan kepada: attributable to:
Laba komprehesif yang dapat Comprehensive income
diatribusikan kepada pemilik attributable to equity holders
entitas induk 3.057.400 482.682 3.540.082 of the parent entity
Laba komprehesif yang dapat Comprehensive income
diatribusikan kepada kepentingan attributable to non-controlling
non-pengendali 112.254 (96.227) 16.027 interest
3.169.654 386.455 3.556.109
61. PERISTIWA SETELAH TANGGAL NERACA 61. SUBSEQUENT EVENT
Pada tanggal 27 Januari 2026, ADMF menyelenggarakan On 27 January 2026, ADMF held an Extraordinary
Rapat Umum Pemegang Saham Luar Biasa (“RUPSLB”) General Meeting of Shareholders (“EGMS”) to decide
untuk menetapkan dan menyetujui beberapa hal and approve, among others, the following matters:
diantaranya sebagai berikut:
- Penyesuaian Pasal 3 Anggaran Dasar ADMF dalam - Amendment to Article 3 of ADMF’s Articles of
rangka penyelarasan dan pemenuhan ketentuan Association to align with and comply with
Peraturan Badan Pusat Statistik Nomor 7 Tahun Regulation of the Central Statistics Agency No. 7
2025 tentang Klasifikasi Baku Lapangan Usaha Year 2025 concerning the Indonesian Standard
Indonesia. Industrial Classification.
- Pengunduran diri Harry Latif selaku Direktur ADMF. - Resignation of Harry Latif as Director of ADMF.
ADMF akan melaksanakan penawaran umum dan ADMF plans to conduct a public offering and issuance
penerbitan Obligasi Berkelanjutan VII Adira Finance of Adira Finance Continuing Bonds VII Phase III Year
Tahap III Tahun 2026 dan Sukuk Mudharabah 2026 and Adira Finance Continuing Mudharabah
Berkelanjutan VI Adira Finance Tahap III Tahun 2026 Bonds VI Phase III Year 2026, with principal amounts
dengan jumlah pokok masing-masing sebesar of Rp2,000,000,000,000 and Rp500,000,000,000 (full
Rp2.000.000.000.000 dan Rp500.000.000.000 (nilai amount), respectively, which are expected to be
penuh), yang diperkirakan akan diselesaikan pada akhir completed by the end of February 2026.
Februari 2026.
62. INFORMASI KEUANGAN TAMBAHAN 62. SUPPLEMENTARY FINANCIAL INFORMATION
Informasi yang disajikan pada lampiran 6/1-6/9 Information presented in schedule 6/1-6/9 are
merupakan informasi keuangan tambahan PT Bank additional financial informations of PT Bank Danamon
Danamon Indonesia Tbk (Entitas Induk) dan merupakan Indonesia Tbk (Parent Company) and are an integral
bagian yang tidak terpisahkan dari laporan keuangan part of the consolidated financial statements of
konsolidasian PT Bank Danamon Indonesia Tbk dan PT Bank Danamon Indonesia Tbk and Subsidiary.
Entitas Anak.
LAMPIRAN – 5/218 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 803
Page 806
The original supplementary financial information included herein is in the
Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
____________________________________________________________________________________________
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2025 dan 2024 As of 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Informasi keuangan Entitas Induk berikut ini, dimana tidak The following Parent Company-only financial information,
termasuk saldo dari Entitas Anak, telah disajikan sesuai which exclude the balances of Subsidiary, have been
dengan kebijakan akuntansi yang konsisten dengan yang prepared using the accounting policies that are consistent
digunakan pada laporan keuangan konsolidasian Bank, with those applied to the Bank’s consolidated financial
kecuali untuk investasi pada Entitas Anak, yang disajikan statements, except for investments in shares of Subsidiary,
berdasarkan metode harga perolehan. Pada tahun berakhir which are presented using the cost method. During the year
31 Desember 2025, Bank merubah kebijakan Akuntansi ended 31 December 2025, the Bank changed its accounting
untuk investasi pada Entitas Anak dari metode ekuitas ke policy for investments in shares of Subsidiary from equity
metode harga perolehan, sehubungan dengan penunjukan method to cost method, in connection with the appointment
Bank sebagai Perusahaan Induk Konglomerasi Keuangan of the Bank as the Operational Financial Conglomerate
(PIKK) Operasional Grup MUFG di Indonesia. Dampak Holding Company (PIKK) for MUFG group in Indonesia. The
perubahan pencatatan investasi pada Entitas Anak dari impact of changes in accounting policy for investments in
metode ekuitas ke metode harga perolehan dicatat sebagai shares of Subsidiary from equity method to cost method was
bagian dari saldo laba secara retrospektif. Informasi booked as part of retained earnings retrospectively.
mengenai Entitas Anak diungkapkan pada Catatan 1c atas Information pertaining to Subsidiary is disclosed in Note 1c
laporan keuangan konsolidasian Bank. to the Bank’s consolidated financial statements.
1 Januari/
31 Desember/ 31 Desember/ January 2024/
December December 31 Desember/
2025 2024*) December 2023*)
ASET ASSETS
Kas 2.869.077 2.286.078 2.233.846 Cash
7.690.446 5.034.595 Current accounts with Bank
Giro pada Bank Indonesia 6.382.075 Indonesia
Giro pada bank lain, Current accounts with other banks,
setelah dikurangi kerugian net of expected credit losses of
kredit ekspektasian sebesar Rp273 as of 31 December 2025
Rp273 pada tanggal 31 Desember (31 December 2024 and
2025 (31 Desember 2024 dan 1 January 2024: Rp116 and
1 Januari 2024: Rp116 dan Rp155) Rp155)
- Pihak berelasi 101.886 52.089 178.861 Related parties -
- Pihak ketiga 2.094.202 1.072.627 1.359.829 Third parties -
Penempatan pada bank lain dan
Bank Indonesia, setelah dikurangi Placements with other banks and
kerugian kredit ekspektasian Bank Indonesia,
sebesar Rp23 pada tanggal net of expected credit losses of
31 Desember 2025 (31 Desember Rp23 as of 31 December 2025
2024 dan 1 Januari 2024: RpNihil (31 December 2024 and
dan RpNihil) 2.379.001 4.417.045 9.031.700 1 January 2024: RpNil and RpNil)
Efek-efek, Marketable securities,
setelah dikurangi kerugian kredit net of expected credit losses of
ekspektasian sebesar Rp107.188 Rp107,188 as of 31 December
pada tanggal 31 Desember 2025 2025 (31 December 2024 and
(31 Desember 2024 dan 1 Januari 1 January 2024: Rp225,130 and
2024: Rp225.130 dan Rp354.649) Rp354,649)
- Pihak berelasi 149.166 217.268 179.553 Related parties -
- Pihak ketiga 19.254.067 12.545.156 3.130.050 Third parties -
Obligasi Pemerintah 21.379.405 18.699.423 16.318.408 Government Bonds
Efek yang dibeli Securities purchased under resale
dengan janji dijual kembali 2.017.413 1.785.799 2.384.446 agreements
Tagihan derivatif Derivative receivables
- Pihak berelasi 9.237 9.665 7.937 Related parties -
- Pihak ketiga 280.288 363.165 263.023 Third parties -
Dipindahkan 58.224.188 47.830.390 40.122.248 Carried forward
*) Disajikan kembali *) As restated
LAMPIRAN – 6/1 – SCHEDULE
804 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 807
The original supplementary financial information included herein is in the
Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
____________________________________________________________________________________________
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2025 dan 2024 As of 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1 Januari/
January 2024/
31 Desember/
31 Desember/ 31 Desember/ December
December 2025 December 2024*) 2023*)
Pindahan 58.224.188 47.830.390 40.122.248 Carried forward
Pinjaman yang diberikan,
setelah dikurangi kerugian kredit Loans,
ekspektasian sebesar Rp7.383.046 net of expected credit losses of
pada tanggal 31 Desember 2025 Rp7,383,046 as of 31
(31 Desember 2024 dan 1 Januari December 2025 (31 December
2024: Rp7.514.253 dan 2024 and 1 January 2024:
Rp7.337.274) Rp7,514,253 and Rp7,337,274)
- Pihak berelasi 1.588.883 1.500.594 1.789.982 Related parties -
- Pihak ketiga 165.805.269 147.461.426 135.515.708 Third parties -
Tagihan akseptasi Acceptance receivables
setelah dikurangi kerugian kredit net of expected credit losses of
ekspektasian sebesar Rp2.939 Rp2,939 as of 31 December
pada tanggal 31 Desember 2025 2025 (31 December 2024 and
(31 Desember 2024 dan 1 Januari 1 January 2024: Rp6,470 and
2024: Rp6.470 dan Rp2.859) Rp2,859)
- Pihak berelasi 76.089 170.308 175.573 Related parties -
- Pihak ketiga 1.002.125 959.222 1.362.190 Third parties -
Pajak dibayar dimuka 1.876.652 2.067.579 1.496.054 Prepaid tax
Investasi dalam saham 2.427.774 2.455.117 2.456.358 Investments in shares
Investasi pada entitas asosiasi 999.691 968.670 957.158 Investment in associate
Aset takberwujud, Intangible assets,
setelah dikurangi akumulasi net of accumulated amortization
amortisasi sebesar Rp2.022.502 of Rp2,022,502 as of
pada tanggal 31 Desember 2025 31 December 2025
(31 Desember 2024 dan 1 Januari (31 December 2024 and
2024: Rp2.154.280 dan 1 January 2024: Rp2,154,280
Rp1.936.101) 490.917 590.970 619.294 and Rp1,936,101)
Aset tetap dan Aset hak guna, Fixed assets and Right-of-use
setelah dikurangi akumulasi assets, net of accumulated
penyusutan sebesar Rp2.614.476 depreciation of Rp2,614,476 of
pada tanggal 31 Desember 2025 31 December 2025
(31 Desember 2024 dan 1 Januari (31 December 2024 and
2024: Rp2.430.112 dan 1 January 2024: Rp2,430,112
Rp2.693.278) 1.993.227 1.941.348 1.677.851 and Rp2,693,278)
Aset pajak tangguhan - neto 826.350 1.577.132 2.089.078 Deferred tax asset - net
Beban dibayar dimuka dan
aset lain-lain, setelah dikurangi Prepayments and other assets,
kerugian kredit ekspektasian net of expected credit losses of
sebesar Rp28.630 pada tanggal Rp28,630 as of 31 December
31 Desember 2025 2025 (31 December 2024 and
(31 Desember 2024 dan 1 Januari 1 January 2024: Rp33,959 and
2024: Rp33.959 dan Rp29.668) Rp29,668)
- Pihak berelasi 5.854 7.741 7.590 Related parties -
- Pihak ketiga 4.979.922 4.749.232 5.225.795 Third parties -
JUMLAH ASET 240.296.941 212.279.729 193.494.879 TOTAL ASSETS
*) Disajikan kembali *) As restated
LAMPIRAN – 6/2 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 805
Page 808
The original supplementary financial information included herein is in the
Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
____________________________________________________________________________________________
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2025 dan 2024 As of 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
1 Januari/
January 2024/
31 Desember/
31 Desember/ 31 Desember/ December
December 2025 December 2024*) 2023*)
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Simpanan nasabah Deposits from customers
- Pihak berelasi 1.112.775 1.612.062 1.563.436 Related parties -
- Pihak ketiga 173.601.390 149.856.607 137.659.040 Third parties -
Simpanan dari bank lain Deposits from other banks
- Pihak berelasi 100.297 98.299 869.675 Related parties -
- Pihak ketiga 8.021.472 4.106.450 2.162.015 Third parties -
Efek yang dijual dengan janji Securities sold under
dibeli kembali 2.283.430 4.718.889 - repurchase agreements
Utang akseptasi Acceptance payables
- Pihak berelasi 24.981 41.069 61.875 Related parties -
- Pihak ketiga 1.056.172 1.094.931 1.478.747 Third parties -
Pinjaman yang diterima 333.500 - - Borrowing
Utang pajak 82.810 123.298 118.150 Taxes payable
Liabilitas derivatif Derivative liabilities
- Pihak berelasi 52.014 11.941 4.321 Related parties -
- Pihak ketiga 980.755 589.012 321.635 Third parties -
Pinjaman subordinasi 25.000 25.000 25.000 Subordinated loan
Beban yang masih harus
dibayar dan liabilitas lain-lain Accruals and other liabilities
- Pihak berelasi 516.284 550.458 589.233 Related parties -
- Pihak ketiga 7.811.038 7.868.512 8.481.182 Third parties -
JUMLAH LIABILITAS 196.001.918 170.696.528 153.334.309 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham - nilai nominal sebesar Share capital - par value per
Rp50.000 (nilai penuh) per saham share of Rp50,000 (full amount)
untuk seri A dan Rp500 (nilai penuh) for A series shares and Rp500
per saham untuk seri B (full amount)for B series shares
Modal dasar - 22.400.000 saham Authorized - 22,400,000 A series
seri A dan 17.760.000.000 shares and 17,760,000,000
saham seri B B series shares
Modal ditempatkan dan disetor Issued and fully paid -
penuh - 22.400.000 saham seri A 22,400,000 A series shares and
dan 9.751.152.870 saham seri B 5.995.577 5.995.577 5.995.577 9,751,152,870 B series shares
Tambahan modal disetor 7.985.971 7.985.971 7.985.971 Additional paid-up capital
Modal disetor lainnya 189 189 189 Other paid-up capital
Komponen ekuitas lainnya 451.100 (112.863) 19.128 Other equity components
Saldo laba Retained earnings
- Sudah ditentukan penggunaannya 595.680 563.887 528.848 Appropriated -
- Belum ditentukan penggunaannya 29.266.506 27.150.440 25.630.857 Unappropriated -
Jumlah saldo laba 29.862.186 27.714.327 26.159.705 Total retained earnings
JUMLAH EKUITAS 44.295.023 41.583.201 40.160.570 TOTAL EQUITY
JUMLAH LIABILITAS DAN TOTAL LIABILITIES AND
EKUITAS 240.296.941 212.279.729 193.494.879 EQUITY
*) Disajikan kembali *) As restated
LAMPIRAN – 6/3 – SCHEDULE
806 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 809
The original supplementary financial information included herein is in the
Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
____________________________________________________________________________________________
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND OTHER
KOMPREHENSIF LAIN COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2025 2024*)
PENDAPATAN DAN BEBAN OPERATING INCOME AND
OPERASIONAL EXPENSES
Pendapatan bunga 15.878.012 14.735.118 Interest income
Beban bunga (6.657.304) (5.899.579) Interest expense
Pendapatan bunga neto 9.220.708 8.835.539 Net interest income
PENDAPATAN OPERASIONAL
LAINNYA OTHER OPERATING INCOME
Pendapatan provisi dan komisi 890.462 840.356 Fees and commission income
Imbalan jasa lain 1.387.036 1.476.985 Other fees
(Kerugian)/keuntungan dari perubahan (Losses)/gains from changes in fair
nilai wajar atas instrumen keuangan value of financial instruments at
yang diukur pada nilai wajar fair value through profit or
melalui laba rugi - neto (7.106) (19.821) loss - net
Perubahan nilai wajar pada Changes in value of
lindung nilai arus kas 15.449 (44.690) cashflow hedge
Keuntungan atas transaksi Gains from foreign
dalam mata uang asing - neto 328.105 381.441 exchange transactions - net
Keuntungan penjualan Gains on sale of
efek-efek dan Obligasi marketable securities and
Pemerintah - neto 717.577 321.312 Government Bonds - net
Pendapatan dividen 649.142 899.214 Dividend income
Bagian laba bersih entitas asosiasi 35.003 32.686 Share in net income of associate
4.015.668 3.887.483
BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
Beban provisi dan komisi lain (437.932) (367.592) Fees and commissions expenses
General and administrative
Beban umum dan administrasi (2.532.353) (2.376.365) expenses
Beban tenaga kerja dan tunjangan (3.954.649) (3.914.392) Salaries and employee benefits
Kerugian penurunan nilai (1.986.816) (2.473.551) Impairment losses
Lain-lain (203.883) (169.188) Others
(9.115.633) (9.301.088)
PENDAPATAN OPERASIONAL NETO 4.120.743 3.421.934 NET OPERATING INCOME
PENDAPATAN DAN BEBAN NON-OPERATING
BUKAN OPERASIONAL INCOME AND EXPENSES
Pendapatan bukan operasional 26.322 45.408 Non-operating income
Beban bukan operasional (102.003) (141.155) Non-operating expenses
BEBAN BUKAN NON-OPERATING
OPERASIONAL – NETO (75.681) (95.747) EXPENSE – NET
LABA SEBELUM PAJAK INCOME BEFORE INCOME
PENGHASILAN 4.045.062 3.326.187 TAX
BEBAN PAJAK PENGHASILAN (748.510) (547.064) INCOME TAX EXPENSE
LABA BERSIH 3.296.552 2.779.123 NET INCOME
*) Disajikan kembali *) As restated
LAMPIRAN – 6/4 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 807
Page 810
The original supplementary financial information included herein is in the
Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
____________________________________________________________________________________________
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN LABA RUGI DAN PENGHASILAN STATEMENTS OF PROFIT OR LOSS AND OTHER
KOMPREHENSIF LAIN COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2025 2024*)
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Pos-pos yang tidak akan Items that will not be reclassified to
direklasifikasi ke laba-rugi profit or loss
Keuntungan aktuarial Actuarial gains on post
program imbalan pasti, setelah pajak employment benefit, net of tax from
dari entitas asosiasi (1.107) 231 associate
Keuntungan aktuarial program Actuarial gains on post
imbalan pasti, setelah pajak (34.867) 1.653 employment benefit, net of tax
Perubahan nilai wajar pada investasi Changes in fair value of investment in
dalam saham melalui penghasilan shares through other
komprehensif lain - neto (18.281) (20.309) comprehensive income - net
Pos-pos yang akan Items that will be reclassified to
direklasifikasi ke laba-rugi profit or loss
Aset keuangan diukur pada nilai wajar Financial assets measured at fair
melalui penghasilan value through other
komprehensif lain: comprehensive income:
Perubahan nilai wajar yang Changes in fair value in
berakhir pada tahun berjalan 876.817 (121.563) current year
Kerugian penurunan nilai 102 (6) Impairment losses
Jumlah yang ditransfer ke laba rugi Amount transferred to
sehubungan dengan perubahan profit or loss in respect of
nilai wajar (167.023) (12.013) fair value changes
Aset keuangan diukur pada nilai wajar Financial assets measured at fair
melalui penghasilan value through other
komprehensif comprehensive
lain dari entitas asosiasi - neto 28.503 (7.487) income from associate - net
Pajak penghasilan terkait dengan Income tax related to
penghasilan komprehensif lain (156.155) 29.387 other comprehensive income
Penghasilan komprehensif lain, Other comprehensive income,
setelah pajak 527.989 (130.107) net of tax
JUMLAH LABA KOMPREHENSIF 3.824.541 2.649.016 TOTAL COMPREHENSIVE INCOME
LABA BERSIH PER SAHAM DASAR BASIC EARNINGS PER SHARE
(NILAI PENUH) 337,29 284,35 (FULL AMOUNT)
*) Disajikan kembali *) As restated
LAMPIRAN – 6/5 – SCHEDULE
808 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 811
The original supplementary financial information included herein is in the Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Atribusi kepada pemilik entitas induk/Attributable to equity holders of the parent entity
Komponen ekuitas lainnya/
Other equity components
Perubahan nilai wajar atas Efek-
efek,
Obligasi Pemerintah, dan Saldo laba/
Investasi dalam saham yang Retained earnings
diukur pada nilai wajar melalui
penghasilan komprehensif lain-
neto/Changes in fair value on
Marketable securities,
Perubahan Government Perubahan nilai
ekuitas entitas Bonds, and wajar atas lindung
Tambahan modal Modal disetor asosiasi/ Investments in shares nilai arus kas-neto/
disetor/ lainnya/ Changes of measured at fair value through Changes in fair Sudah ditentukan Belum ditentukan
Modal saham/ Additional Other paid-up associate other comprehensive income- value of cashflow penggunaannya/ penggunaan-nya/ Jumlah ekuitas/
Share capital paid-up capital capital equity net hedge-net Appropriated Unappropriated*) Total equity
Saldo pada tanggal 1 Januari 2025**) 5.995.577 7.985.971 189 8.242 (121.105) - 563.887 27.150.440 41.583.201 Balance as of 1January 2025**)
Laba bersih tahun berjalan - - - - - - - 3.296.552 3.296.552 Net income for the year
Penghasilan komprehensif lain, Other comprehensive
setelah pajak income, net of tax
Perubahan nilai wajar atas Changes in fair value of
lindung nilai arus kas-neto - - - - - - - - - cashflow hedge-net
Pengukuran kembali liabilitas imbalan Remeasurement of obligation
pasca kerja - - - - - - - (35.974) (35.974) for post-employment benefits
Pengukuran kembali atas kontrak asuransi Remeasurement of insurance contract
PSAK 117 - - - (490) - - - - (490) under PSAK 117
Perubahan nilai wajar atas Changes in fair value on Marketable securities,
Efek-efek, Obligasi Pemerintah dan Investasi Government Bonds and Investments in
dalam saham yang diukur pada nilai wajar shares measured at fair value through other
melalui penghasilan komprehensif lain - neto - - - - 564.453 - - - 564.453 comprehensive income-net
Jumlah penghasilan komprehensif lain - - - (490) 564.453 - - (35.974) 527.989 Total other comprehensive income
Jumlah laba komprehensif Total comprehensive income
tahun berjalan - - - (490) 564.453 - - 3.260.578 3.824.541 for the year
Pembentukan cadangan umum
dan wajib - - - - - - 31.793 (31.793) - Appropriation for general and legal reserve
Pembagian dividen tunai - - - - - - - (1.112.719) (1.112.719) Distribution of cash dividends
Saldo pada tanggal 31 Desember 2025 5.995.577 7.985.971 189 7.752 443.348 - 595.680 29.266.506 44.295.023 Balance as of 31 December 2025
*) Saldo laba yang tidak ditentukan penggunaannya termasuk pengukuran kembali atas liabilitas imbalan pasca kerja *) Unappropriated retained earnings include remeasurement of obligation for post-employment benefits
**) Disajikan kembali **)As restated
PT Bank Danamon Indonesia Tbk | 2025 Annual Report
LAMPIRAN – 6/6 – SCHEDULE
809
Page 812
810
The original supplementary financial information included herein is in the Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
Atribusi kepada pemilik entitas induk/Attributable to equity holders of the parent entity
Komponen ekuitas lainnya/
Other equity components
Perubahan nilai wajar atas Efek-
efek,
Obligasi Pemerintah, dan Saldo laba/
Investasi dalam saham yang Retained earnings
diukur pada nilai wajar melalui
penghasilan komprehensif lain-
PT Bank Danamon Indonesia Tbk | 2025 Annual Report
neto/Changes in fair value on
Marketable securities,
Perubahan Government Perubahan nilai
ekuitas entitas Bonds, and wajar atas lindung
Tambahan modal Modal disetor asosiasi/ Investments in shares nilai arus kas-neto/
disetor/ lainnya/ Changes of measured at fair value through Changes in fair Sudah ditentukan Belum ditentukan
Modal saham/ Additional Other paid-up associate other comprehensive income- value of cashflow penggunaannya/ penggunaan-nya/ Jumlah ekuitas/
Share capital paid-up capital capital equity net hedge-net Appropriated Unappropriated*) Total equity
Saldo pada tanggal 1 Januari 2024 5.995.577 7.985.971 189 8.242 10.886 (689) 528.848 34.707.593 49.236.617 Balance as of 1January 2024
Dampak perubahan metode pencatatan Impact of changes in accounting treatment of
investasi pada Entitas Anak - - - - - 689 - (9.076.736) (9.076.047) Investment in Subsidiary
Saldo pada tanggal 1 January 2024 setelah Balance as of 1 January 2024
penyajian kembali 5.995.577 7.985.971 189 8.242 10.886 - 528.848 25.630.857 40.160.570 after restatement
Laba bersih tahun berjalan - - - - - - - 2.779.123 2.779.123 Net income for the year
Penghasilan komprehensif lain, Other comprehensive
setelah pajak income, net of tax
Perubahan nilai wajar atas Changes in fair value of
lindung nilai arus kas-neto - - - - - - - - - cashflow hedge-net
Pengukuran kembali liabilitas imbalan Remeasurement of obligation
pasca kerja - - - - - - - 1.884 1.884 for post-employment benefits
Perubahan nilai wajar atas Changes in fair value on Marketable securities,
Efek-efek, Obligasi Pemerintah, dan Investasi Government Bonds, and Investments in
dalam saham yang diukur pada nilai wajar shares measured at fair value through other
melalui penghasilan komprehensif lain - neto - - - - (131.991) - - - (131.991) comprehensive income-net
Jumlah penghasilan komprehensif lain - - - - (131.991) - - 1.884 (130.107) Total other comprehensive income
Jumlah laba komprehensif Total comprehensive income
tahun berjalan - - - - (131.991) - - 2.781.007 2.649.016 for the year
Pembentukan cadangan umum
dan wajib - - - - - - 35.039 (35.039) - Appropriation for general and legal reserve
Pembagian dividen tunai - - - - - - - (1.226.385) (1.226.385) Distribution of cash dividends
Saldo pada tanggal 31 Desember 2024**) 5.995.577 7.985.971 189 8.242 (121.105) - 563.887 27.150.440 41.583.201 Balance as of 31 December 2024**)
*) Saldo laba yang tidak ditentukan penggunaannya termasuk pengukuran kembali atas liabilitas imbalan pasca kerja *) Unappropriated retained earnings include remeasurement of obligation for post-employment benefits
**) Disajikan kembali **)As restated
LAMPIRAN – 6/7 – SCHEDULE
Page 813
The original supplementary financial information included herein is in the
Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
____________________________________________________________________________________________
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2025 2024
Arus kas dari kegiatan operasi: Cash flows from operating activities:
Pendapatan bunga, provisi, dan komisi 16.015.200 15.050.399 Interest income, fees, and commissions
Payments of interest, fees, and
Pembayaran bunga, provisi, dan komisi (7.069.112) (6.141.770) commissions
Pendapatan operasional lainnya 2.612.745 1.914.101 Other operating income
Keuntungan atas transaksi mata uang asing - Gains from foreign
neto 531.441 414.320 exchange transactions - net
Beban operasional lainnya (5.184.256) (4.934.692) Other operating expenses
Beban bukan operasional - neto (87.618) (105.391) Non-operating expenses - net
Arus kas sebelum perubahan dalam Cash flows before changes in
aset dan liabilitas operasi 6.818.400 6.196.967 operating assets and liabilities
Perubahan dalam aset dan liabilitas operasi: Changes in operating assets and liabilities:
Penurunan/(kenaikan) aset operasi: Decrease/(increase) in operating assets:
Efek-efek dan Obligasi Pemerintah - Marketable securities and
Diperdagangkan (903.851) (3.005.813) Government Bonds - trading
Securities purchased under
Efek yang dibeli dengan janji dijual kembali (231.614) 598.647 resale agreements
Pinjaman yang diberikan (20.976.946) (14.707.852) Loans
Beban dibayar dimuka dan aset lain-lain 470.384 45.242 Prepayments and other assets
Kenaikan/(penurunan) liabilitas operasi: Increase/(decrease) in operating liabilities:
Simpanan nasabah: Deposits from customers:
- Giro 7.201.710 (7.571.499) Current accounts -
- Tabungan 3.341.937 (2.072.786) Savings -
- Deposito berjangka 11.863.254 21.318.950 Time deposits -
Simpanan dari bank lain 3.902.696 907.050 Deposits from other banks
Beban yang masih harus dibayar
dan liabilitas lain-lain (47.406) (771.955) Accruals and other liabilities
Pembayaran pajak penghasilan
selama tahun berjalan (280.326) (534.878) Income tax paid during the year
Kas neto diperoleh dari Net cash provided from
kegiatan operasi 11.158.238 402.073 operating activities
Arus kas dari kegiatan investasi: Cash flows from investing activities:
Penerimaan dari efek-efek dan Obligasi Proceeds from sales of and matured
Pemerintah yang dijual dan telah jatuh tempo - marketable securities and Government Bonds -
biaya perolehan diamortisasi dan nilai wajar amortized cost and fair value through other
melalui penghasilan komprehensif lain 46.200.665 24.627.142 comprehensive income
Pembelian efek-efek dan Obligasi Pemerintah - Acquisition of marketable securities and
biaya perolehan diamortisasi dan nilai wajar Government Bonds - amortized cost and fair
melalui penghasilan komprehensif lain (53.351.200) (32.378.923) value through other comprehensive income
Pembelian aset tetap (511.809) (583.033) Acquisition of fixed assets
Hasil penjualan aset tetap 17.437 34.558 Proceeds from sale of fixed assets
Penerimaan hasil investasi 695.421 907.723 Receipt from investment
Pembelian investasi dalam saham - (20.000) Acquisition of investment in shares
Penerimaan dividen kas 1.890 4.294 Receipt of cash dividends
Kas neto digunakan untuk Net cash used by
kegiatan investasi (6.947.596) (7.408.239) investing activities
LAMPIRAN – 6/8 – SCHEDULE
PT Bank Danamon Indonesia Tbk | 2025 Annual Report 811
Page 814
The original supplementary financial information included herein is in the
Indonesian language.
INFORMASI KEUANGAN TAMBAHAN/SUPPLEMENTARY FINANCIAL INFORMATION
____________________________________________________________________________________________
PT BANK DANAMON INDONESIA Tbk PT BANK DANAMON INDONESIA Tbk
ENTITAS INDUK PARENT COMPANY
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir pada For the Year Ended
Tanggal 31 Desember 2025 dan 2024 31 December 2025 and 2024
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in millions of Rupiah, unless otherwise stated)
2025 2024
Arus kas dari kegiatan pendanaan: Cash flows from financing activities:
Pembayaran dividen tunai (1.112.774) (1.226.379) Payments of cash dividends
Pembayaran pokok efek yang dijual dengan Payments of principal on securities sold
janji dibeli kembali (324.800.958) (102.858.211) under repurchase agreements
Penerimaan dari efek yang dijual dengan Proceeds from securities sold
janji dibeli kembali 322.365.499 107.577.100 under repurchase agreements
Penerimaan pinjaman 333.500 - Proceeds from borrowings
Penurunan pokok liabilitas sewa (137.334) (126.098) Decrease of principal of lease liabilities
Kas neto (digunakan untuk)/diperoleh Net cash (used by)/provided from
dari kegiatan pendanaan (3.352.067) 3.366.412 financing activities
Kenaikan/(penurunan) kas dan setara kas - Increase/(decrease) in
neto 858.575 (3.639.754) cash and cash equivalents
Dampak neto perubahan nilai tukar Net effect on changes in exchange
atas kas dan setara kas 66.364 10.798 rates on cash and cash equivalents
Kas dan setara kas pada Cash and cash equivalents at
awal tahun 14.210.030 17.838.986 beginning of the tahun
Cash and cash equivalents at
Kas dan setara kas pada akhir tahun 15.134.969 14.210.030 end of the year
Kas dan setara kas terdiri dari: Cash and cash equivalents consist of:
Kas 2.869.077 2.286.078 Cash
Giro pada Bank Indonesia 7.690.446 6.382.075 Current accounts with Bank Indonesia
Giro pada bank lain 2.196.422 1.124.832 Current accounts with other banks
Penempatan pada bank lain dan Bank Placements with other banks and Bank
Indonesia - jatuh tempo sampai dengan Indonesia - maturing within 3 months
3 bulan sejak tanggal perolehan 2.379.024 4.417.045 from the date of acquisition
Jumlah kas dan setara kas 15.134.969 14.210.030 Total cash and cash equivalents
LAMPIRAN – 6/9 – SCHEDULE
812 PT Bank Danamon Indonesia Tbk | 2025 Annual Report
Page 815
Page 816
Menara Bank Danamon Jl. H.R. Rasuna Said, Blok C No. 10 RT 010 / RW 007 Kel. Karet, Kec. Setiabudi Jakarta 12920, Indonesia Hello Danamon 1-500-090 www.danamon.co.id
Names mentioned 226 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Compliance Function
p.4
unresolved
org
Financial Services Authority
p.5 ×10
unresolved
org
Indonesia Stock Exchange
p.5 ×5
unresolved
org
Yayasan Pesantren
p.14
unresolved
org
Yayasan DD Republika
p.14
unresolved
org
Yayasan Darut Tauhid
p.14
unresolved
org
Indonesia (Persero) Tbk.
p.16 ×15
unresolved
org
Bank PRO Launches
p.20
unresolved
org
Bank Indonesia
p.25 ×38
unresolved
org
Bank Index
p.26
unresolved
org
Bank Indonesia’s
p.26 ×2
unresolved
org
Government of the Republic of Indonesia
p.27
unresolved
org
Bank SME
p.32
unresolved
person
Prof. Dr. M. Din Syamsuddin
p.38 ×8
unresolved
person
Prof. Dr. KH. Hasanudin
p.39 ×3
unresolved
person
Dr. Asep Supyadillah
p.39 ×3
unresolved
org
Latest Acrticle Of Association
· Company Name
p.47
unresolved
person
Mala Mukti
p.47 ×2
unresolved
person
Meester Raden Soedja
p.47 ×3
unresolved
org
Minister of Justice of Republic of Indonesia
p.47
unresolved
org
Ministry of Finance
p.47 ×3
unresolved
org
Bank Permit
p.47
unresolved
org
Bapepam
p.47 ×6
unresolved
org
Bank Permit Trustee Permit Letter
p.47
unresolved
org
Bank Permit Letter
p.47
unresolved
org
Directorate General of Taxation
p.47
unresolved
org
Bank Danamon’s Articles
p.52
unresolved
org
Minister of Law
p.52
unresolved
org
Bank Kopra
p.54
unresolved
org
Bank BNP
p.55
unresolved
person
H. REFITA R. ARIEF
p.56
unresolved
org
Financial Planning Head
· Corporate Secretary
p.57
unresolved
person
H. WIBISONO
p.57
unresolved
org
Global Alliance Strategy
· Director
p.58
unresolved
person
KHO TJHING KIAN Notes
p.58
unresolved
person
H. DANANG Consumer Lending
p.62
unresolved
—
Japan. LEGAL BASIS OF APPOINTMENT Itagaki Appointed
· President Commissioner
p.64
unresolved
person
Graduated
· President Commissioner
p.64 ×2
unresolved
org
Mitsubishi UFJ Financial Group. Inc
p.64
unresolved
org
Indonesia Deposit Insurance Corporation
p.65 ×2
unresolved
—
Singapore. LEGAL BASIS OF APPOINTMENT Kawasaki Appointed
· Commissioner
p.66
unresolved
—
Reappointed
· Commissioner
p.66 ×8
unresolved
org
Silvrr Technology Co., Ltd
p.66
unresolved
org
Security Bank Corporation
p.66
unresolved
org
Global Commercial Banking Planning Division MUFG Bank Ltd
p.66
unresolved
org
Tokyo Mitsubishi Ltd
p.66 ×3
unresolved
—
Thailand. LEGAL BASIS OF APPOINTMENT Harsono Appointed
· Commissioner
p.67
unresolved
person
Los Angeles
p.67
unresolved
org
PT Home Credit Indonesia
p.67 ×3
unresolved
org
Council SHBank Finance Co., Ltd.
p.67
unresolved
org
Hattha Bank Public Company Limited
p.67
unresolved
org
Krungsri Leasing Service Co., Ltd.
p.67
unresolved
org
Ayudhya Public Company Limited
p.67
unresolved
org
Sabai Co.
p.67
unresolved
—
LEGAL BASIS OF APPOINTMENT Benyamin Stok Appointed
· Independent Commissioner
p.68
unresolved
org
Bank Niaga Tbk
p.68 ×4
unresolved
org
Bank Dagang Negara
p.68
unresolved
org
Bank Pelita
p.68
unresolved
—
LEGAL BASIS OF APPOINTMENT Helena Lapian Appointed
· Independent Commissioner
p.69
unresolved
org
PT Asuransi Tokio Marine Indonesia
p.69
unresolved
org
Bank Internasional Indonesia Tbk
p.69 ×7
unresolved
org
PT Bank Barclay Indonesia
p.69
unresolved
org
ABN Amro Bank N.V.
p.69
unresolved
org
PT AIG Life
p.69
unresolved
—
LEGAL BASIS OF APPOINTMENT Ejima Appointed
· President Director
p.70
unresolved
person
Bachelor
· President Director
p.70 ×2
unresolved
org
Ministry of Finance’s International Research Department
p.70
unresolved
—
LEGAL BASIS OF APPOINTMENT Widjojo Appointed
· Vice President Director
p.71
unresolved
org
PT Bank DKI
p.71
unresolved
org
Bank International Indonesia Tbk
p.71 ×2
unresolved
—
LEGAL BASIS OF APPOINTMENT Hykmanto Appointed
· Director
p.72
unresolved
person
QUALIFICATIONS
· Director
p.72 ×3
unresolved
org
Bank Universal
p.72
unresolved
—
LEGAL BASIS OF APPOINTMENT Mirasari Appointed
· Director
p.73
unresolved
org
Hongkong Shanghai Banking Limited
p.73
unresolved
org
Bank NV Indonesia
p.73
unresolved
—
LEGAL BASIS OF APPOINTMENT Budiana Appointed
· Director
p.74
unresolved
org
PT HSBC Securities Indonesia
p.74
unresolved
org
Bank Ekonomi Raharja Tbk
p.74 ×2
unresolved
org
PT United Overseas Bank Bali
p.74
unresolved
org
Bank Modern Tbk
p.74 ×2
unresolved
—
LEGAL BASIS OF APPOINTMENT Sudarma Appointed
· Director
p.75
unresolved
org
Bank HSBC
p.75
unresolved
—
LEGAL BASIS OF APPOINTMENT Yoshida Appointed
· Director
p.76
unresolved
person
Obtained Bachelor
· Director
p.76 ×2
unresolved
org
Adira Dinamika Multifinance Tbk
p.76 ×2
unresolved
—
LEGAL BASIS OF APPOINTMENT Siswanto Appointed
· Director
p.77
unresolved
org
PT. Sarana Multigriya Financial
p.79
unresolved
org
PT Trimegah Asset Management
p.79
unresolved
org
PT BNI Sharia Bank
p.79
unresolved
person
Dr. Asep
p.80
unresolved
org
PT Fintek Karya Nusantara
p.80
unresolved
org
PT Asuransi Jiwa Generali Indonesia
p.80
unresolved
org
PT Capital Life Syariah
p.80
unresolved
org
Remy & Partners
p.80
unresolved
org
Bank Danamon. Based
p.81
unresolved
org
PT Krom
p.82
unresolved
org
Senior Managing Bank Indonesia Tbk
p.82
unresolved
org
Mawar & Rekan
p.82
unresolved
org
PT Artajasa
p.82
unresolved
org
PT Mekar Prana Indah
p.82
unresolved
person
Yasushi Itagaki
· President Commissioner
p.88 ×2
unresolved
person
Peter Benyamin Stok
· Commissioner (Independent)
p.88 ×4
unresolved
person
Nobuya Kawasaki
· Commissioner
p.88 ×4
unresolved
person
Harsono
· Commissioner
p.88 ×2
unresolved
org
PT Guna Dharma
p.89 ×2
unresolved
org
PT CEALMI KHIEZT INDONESIA
p.89
unresolved
org
Bank Tiara
p.91
unresolved
org
Bank Nusantara Parahyangan Tbk
p.91 ×2
unresolved
org
Bank Duta Tbk
p.91 ×2
unresolved
org
Bank Rama Tbk
p.91 ×2
unresolved
org
Bank Tamara Tbk
p.91 ×2
unresolved
org
Bank Nusa Nasional Tbk
p.91 ×2
unresolved
org
PT Bank Pos Nusantara
p.91
unresolved
org
PT JayaBank International
p.91
unresolved
org
PT Bank Risjad Salim Internasional. TIMELINE OF OTHER
p.91
unresolved
org
PT. Bank Woori Saudara
p.93
unresolved
org
PT. Bank Chinatrust
p.93
unresolved
org
PT. Zurich Asuransi Indonesia
p.93 ×3
unresolved
org
PT. Bank Woori Indonesia
p.93
unresolved
org
PT Bank Woori Saudara Indonesia
p.94
unresolved
org
PT Kliring Penjamin Efek Indonesia
p.94
unresolved
org
PT Bank Chinatrust Indonesia
p.94
unresolved
org
FIRM PUBLIC ACCOUNTANT FIRM Liana Ramon Xenia & Rekan
p.95
unresolved
org
Deloitte Southeast Asia Limited
p.95
unresolved
person
H. Thamrin
p.95
unresolved
org
PT Fitch Ratings Indonesia Indonesia Stock Exchange Building
p.95
unresolved
org
Fitch Ratings Ltd.
p.95
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.95
unresolved
org
PT Pemeringkat Efek Indonesia
p.95
unresolved
org
PT Adimitra Jasa Korpora Kirana Boutique Office
p.95
unresolved
person
Forum Komunikasi
· Direktur
p.96
unresolved
org
Bank Category
p.97
unresolved
org
Bank Indonesia Assistance
p.100
unresolved
org
Bank Jakarta Branch
p.103
unresolved
org
Bank Deposit
p.108
unresolved
org
Bank Indonesia Floating Rate Note In
p.109
unresolved
org
PT Indonesian Clearing
p.109
unresolved
org
Guarantee Corporation
p.109
unresolved
org
Ministry of Hajj and Umrah Integrated Hajj
p.119
unresolved
org
Menteri Kehakiman Republik
p.588
unresolved
org
Minister of Justice Indonesia
p.588
unresolved
org
Menteri Keuangan
p.588
unresolved
org
Minister of Finance
p.588
unresolved
org
Kementerian Hukum Republik
p.588
unresolved
org
Ministry of Law
p.588
unresolved
org
PT Mandala
p.596
unresolved
org
Multifinance Tbk
p.596
unresolved
org
PT Adira Quantum Multifinance
p.598
unresolved
person
Jimmy Tanal
· Notaris
p.598 ×3
unresolved
org
Minister of Law Daftar
p.598
unresolved
org
Menteri Hukum dan Hak
p.598
unresolved
person
Independent Vice
· Wakil Komisaris Utama
p.598 ×2
unresolved
—
Pengangkatan Bpk. Jin Yoshida
· Direktur
p.598 ×14
unresolved
—
Pengangkatan Ibu Yenny Siswanto
· Direktur
p.598 ×20
unresolved
person
Syamsuddin
· Anggota
p.600
unresolved
person
Christopher Mark Davies
p.600
unresolved
person
Yasuhiko Togo
p.600
unresolved
org
Bapepam-LK
p.600 ×6
unresolved
org
PT Asuransi Jiwa Manulife
p.725 ×5
unresolved
org
PT Asuransi Jiwa
p.725 ×3
unresolved
—
masing-masing dibawah 5%)
p.725 ×4
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