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PT Bank Danamon Indonesia Tbk and Subsidiary
Consolidated Financial Statements
STATEMENTS OF FINANCIAL POSITION QUALITY OF PRODUCTIVE ASSETS AND OTHER INFORMATION
AS OF 30 SEPTEMBER 2025 AND 31 DECEMBER 2024
(In million Rupiah)
AS OF 30 SEPTEMBER 2025 AND 2024
(In million Rupiah)
FINANCIAL INFORMATION ON SHARIA BUSINESS UNIT
INDIVIDUAL CONSOLIDATED INDIVIDUAL This publication report is presented to comply with the Circular Letter of
NO. ACCOUNTS
30 Sep 2025 31 Dec 2024 30 Sep 2025 31 Dec 2024 NO. ACCOUNTS 30 Sep 2025 30 Sep 2024 Otoritas Jasa Keuangan No. 10/SEOJK.03/2020 dated 1 July 2020 regarding
ASSETS Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total Transparency and Publication Report of Sharia Bank and Sharia Business Unit.
1. Cash 1,970,461 2,286,078 2,048,487 2,467,706 I. RELATED PARTIES
2. Placements with Bank Indonesia 10,706,538 10,799,120 10,706,538 10,799,120 1. Placements with other banks STATEMENT OF FINANCIAL POSITION
a. Rupiah - - - - - - - - - - - - AS OF 30 SEPTEMBER 2025 AND 31 DECEMBER 2024
3. Placements with other banks 2,977,913 1,124,832 3,217,110 1,670,592 b. Foreign currencies 150,040 - - - - 150,040 181,468 - - - - 181,468 (In million Rupiah)
4. Spot and derivative/forward receivables 458,602 372,830 554,750 435,636 2. Spot and derivative/forward receivables
a. Rupiah 11,105 - - - - 11,105 11,707 - - - - 11,707 NO. ACCOUNTS 30 Sep 2025 31 Dec 2024
5. Marketable securities 36,945,431 28,556,800 36,883,852 28,487,832 b. Foreign currencies 729 - - - - 729 7,973 - - - - 7,973
3. Marketable securities ASSETS
6. Securities sold under repurchase agreements (repo) 857,394 3,130,177 857,394 3,130,177 1. Cash 20,103 39,157
a. Rupiah 61,579 - - - - 61,579 107,928 - - - - 107,928
7. Securities purchased under resale agreements b. Foreign currencies 83,325 - - - - 83,325 45,420 - - - - 45,420 2. Placements with Bank Indonesia 1,667,166 2,850,135
4. Securities sold under repurchase agreements (repo) 3. Placements with other banks - -
(reverse repo) 2,984,092 1,785,799 2,984,092 1,785,799
a. Rupiah - - - - - - - - - - - - 4. Marketable securities - -
8. Acceptance receivables 897,841 1,136,000 897,841 1,136,000 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) 5. Financing receivables *) 6,320,190 6,270,070
9. Loans 151,639,486 144,796,622 151,080,880 144,581,344 a. Rupiah - - - - - - - - - - - - 6. Profit sharing financing 6,990,242 4,509,220
10. Sharia financing 14,324,215 11,679,651 14,324,215 11,679,651 b. Foreign currencies - - - - - - - - - - - - 7. Leased financing 1,013,784 900,360
11. Consumer financing receivables - - 26,394,158 27,215,480 6. Acceptance receivables 105,446 - - - - 105,446 353,952 - - - - 353,952 8. Other earning asset 81,944 69,684
7. Loans and financing 9. Allowance for impairment losses on earning asset (-/-) (491,782) (422,931)
Allowance for impairment losses on consumer financing a. Micro, small and medium debtor
10. Fixed assets and equipment 16,269 7,615
i. Rupiah - - - - - - - - - - - -
receivables -/- - - (1,400,247) (1,513,432) ii. Foreign currencies - - - - - - - - - - - - 11. Non earning asset 987 1,161
12. Investments 13,107,557 12,908,218 2,323,157 2,346,496 b. Non micro, small and medium debtor 12. Other assets 18,048 8,838
i. Rupiah 1,362,389 - 940 - - 1,363,329 1,316,345 56 - - - 1,316,401
13. Other financial assets 1,901,545 2,155,869 1,997,732 2,257,646 ii. Foreign currencies 452,834 - - - - 452,834 162,477 - - - - 162,477 TOTAL ASSETS 15,636,951 14,233,309
14. Allowance for impairment losses on financial assets -/- c. Restructured Loans LIABILITIES
i. Rupiah - - - - - - - - - - - -
a. Marketable securities (107,269) (225,130) (107,269) (225,130) 1. Wadiah saving 793,434 942,088
ii. Foreign currencies - - - - - - - - - - - -
b. Loans and Sharia financing *) (7,457,493) (7,514,253) (7,546,808) (7,588,707) 8. Investments 13,049,946 - - - - 13,049,946 12,540,982 - - - - 12,540,982 2. Non profit sharing investment funds 7,311,885 7,551,224
9. Other receivables - - - - - - - - - - - - 3. Liabilities to Bank Indonesia - -
c. Others (6,378) (8,385) (6,378) (8,385) 10. Commitments and contingencies 4. Liabilities to other banks 434,833 504,993
15. Intangible assets 2,843,314 2,745,250 5,597,260 5,434,680 a. Rupiah 495,823 - - - - 495,823 646,912 38 - - - 646,950 5. Marketable securities issued - -
b. Foreign currencies 263,824 - - - - 263,824 240,912 - - - - 240,912 6. Other liabilities 79,075 52,010
Accumulated amortisation on intangible assets -/- (2,333,844) (2,154,280) (3,704,773) (3,474,131)
II. NON RELATED PARTIES 7. Profit sharing investment funds - -
16. Fixed assets and equipment 4,468,109 4,371,460 5,914,255 5,796,207 1. Placements with other banks 8. Working funds 6,837,134 5,047,012
Accumulated depreciation of fixed assets and equipment -/- (2,537,127) (2,430,112) (3,453,122) (3,313,562) a. Rupiah 23,391 - - - - 23,391 270,574 - - - - 270,574 9. Retained earnings 180,590 135,982
b. Foreign currencies 2,804,482 - - - - 2,804,482 1,550,461 - - - - 1,550,461
17. Non earning asset 2. Spot and derivative/forward receivables TOTAL LIABILITIES 15,636,951 14,233,309
a. Idle properties 64,599 64,599 64,599 64,599 a. Rupiah 438,567 - - - - 438,567 795,941 - - - - 795,941
b. Foreign currencies 8,201 - - - - 8,201 54,043 - - - - 54,043
b. Foreclosed assets 323,034 320,073 323,034 320,073 3. Marketable securities STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME
c. Suspense accounts 66 37 66 37 a. Rupiah 32,065,700 - - - - 32,065,700 26,696,104 - - - - 26,696,104 FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2025 AND 2024
b. Foreign currencies 4,734,827 - - - - 4,734,827 4,513,952 - - - - 4,513,952 (In million Rupiah)
d. Interbranch assets - - - - 4. Securities sold under repurchase agreements (repo)
18. Leased receivables - - 2,892,612 2,309,853 a. Rupiah 857,394 - - - - 857,394 2,465,276 - - - - 2,465,276 NO. ACCOUNTS 30 Sep 2025 30 Sep 2024
b. Foreign currencies - - - - - - - - - - - -
19. Other assets 5,841,001 5,862,905 6,664,043 6,538,959 5. Securities purchased under resale agreements (reverse repo) OPERATING INCOME AND EXPENSE
a. Rupiah 2,984,092 - - - - 2,984,092 511,891 - - - - 511,891 A. Operational Income dan Expense from distribution of fund
TOTAL ASSETS 239,869,087 221,764,160 259,507,478 242,334,540 b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 792,395 - - - - 792,395 1,054,238 - - - - 1,054,238 1. Income from Distribution of Fund
LIABILITIES AND EQUITY 7. Loans and financing a. Income from receivables 613,601 621,719
LIABILITIES a. Micro, small and medium debtor
i. Rupiah 18,245,289 1,869,153 88,288 131,378 490,227 20,824,335 18,863,868 2,528,042 86,114 133,627 741,039 22,352,690 b. Income from profit sharing 316,521 243,353
1. Current accounts 29,253,541 26,997,243 28,262,257 26,098,043 ii. Foreign currencies 98,358 - - - - 98,358 81,512 - - - 2,494 84,006 c. Leased income 57,238 37,098
2. Savings 39,326,167 36,188,408 39,326,167 36,188,408 b. Non micro, small and medium debtor d. Others 4,713 4,013
i. Rupiah 121,212,192 5,195,301 382,140 549,403 1,217,159 128,556,195 107,034,570 5,838,566 267,525 511,999 1,238,389 114,891,049
3. Time deposits 100,123,736 88,283,018 100,123,736 88,283,018 ii. Foreign currencies 14,462,587 205,498 - - 565 14,668,650 14,887,749 212,866 - - - 15,100,615
2. Margin distribution to owners of investment funds -/-
c. Restructured Loans a. Non Profit sharing 260,687 251,874
4. E-money - - - -
i. Rupiah 2,340,376 724,927 168,593 136,472 738,481 4,108,849 2,941,651 1,070,805 64,853 200,688 1,145,973 5,423,970 b. Profit sharing - -
5. Loans from Bank Indonesia - - - - ii. Foreign currencies 19,916 205,498 - - - 225,414 23,576 212,866 - - 2,494 238,936 3. Income after margin distribution 731,386 654,309
8. Investments 57,611 - - - - 57,611 86,888 - - - - 86,888
6. Borrowings from other banks 6,171,733 4,204,749 6,171,733 4,204,749
9. Other receivables 770,982 - - - - 770,982 724,501 - - - - 724,501 B. Other Operating Income and Expenses Except Fund Distribution
7. Spot and derivative/forward liabilities 915,202 600,953 915,655 676,369 10. Commitments and contingencies
a. Rupiah 89,295,771 280,771 - - 50 89,576,592 98,067,194 289,539 - - 300 98,357,033 1. Gain (loss) from foreign currencies translation 2 14
8. Securities sold under repurchase agreements (repo) 862,389 4,718,889 862,389 4,718,889
b. Foreign currencies 16,936,607 - - - - 16,936,607 14,688,649 3,755 - - - 14,692,404
9. Acceptance payables 897,841 1,136,000 897,841 1,136,000 2. Income as mudharib in mudharabah muqayyadah - -
III. OTHERS INFORMATION 3. Commision/Provision/Fees and administrative 4,105 4,412
10. Marketable securities issued - - 8,416,002 7,139,060
1. Collateralised assets 4. Other income 21,755 23,236
11. Borrowings 25,000 25,000 8,596,132 10,475,188 a. To Bank Indonesia - - 5. Wadiah bonus expense -/- 19,310 15,501
12. Security deposits 7,672 7,989 7,672 7,989 b. To other parties - - 6. Addition (reversal) of impairment losses on financial assets -/- 383,128 469,361
2. Foreclosed assets 323,033 427,247
13. Interbranch liabilities - - - - 7. Losses related to operational risk -/- - 1
14. Other liabilities 9,050,641 8,534,279 12,007,298 11,581,270 8. Addition (reversal) of impairment losses on other asset (non financial) -/- 174 -
15. Minority interest - - 773,900 757,925 STATEMENTS OF COMMITMENTS AND CONTINGENCIES KEY FINANCIAL RATIOS 9. Salaries and employee benefits -/- 65,639 64,798
AS OF 30 SEPTEMBER 2025 AND 31 DECEMBER 2024 AS OF 30 SEPTEMBER 2025 AND 2024 10. Other expenses -/- 50,749 54,155
TOTAL LIABILITIES 186,633,922 170,696,528 206,360,782 191,266,908 (In million Rupiah) Other Operating Income (Expense) (493,138) (576,154)
INDIVIDUAL CONSOLIDATED NO. RATIOS (%) 30 Sep 2025 30 Sep 2024
EQUITY NO. ACCOUNTS OPERATING INCOME (LOSS) 238,248 78,155
30 Sep 2025 31 Dec 2024 30 Sep 2025 31 Dec 2024 CONSOLIDATED RATIOS: NON OPERATING INCOME AND EXPENSE
16. Issued and fully paid capital
I. COMMITMENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 26.56% 26.14%
a. Authorized capital 10,000,000 10,000,000 10,000,000 10,000,000 1. Gain (loss) from sale of fixed assets and equipment 29 28
2. Non-performing earning assets and non productive assets to total earnings
b. Unpaid capital -/- (4,004,423) (4,004,423) (4,004,423) (4,004,423) 1. Unused borrowing facilities - - - - and non productive assets 1.03% 1.12% 2. Other non operating income (expenses) (6,329) (5,318)
2. Outstanding purchase position of spot and NON OPERATING INCOME (LOSS) (6,300) (5,290)
c. Treasury stock -/- - - - - derivative/forward 53,005,789 45,121,270 53,005,789 45,121,270 3. Non-performing earning assets to total productive assets 0.97% 1.05%
17. Additional paid-up capital 4. Allowance for impairment losses for financial asset to productive asset 3.73% 4.18% INCOME (LOSS) DURING PERIOD BEFORE TAX 231,948 72,865
3. Others - - - -
5. NPL gross 1.83% 2.05% Income tax -/- 51,358 16,196
a. Agio 7,985,971 7,985,971 7,897,502 7,985,971 II. COMMITMENT PAYABLES 6. NPL net 0.25% 0.37% INCOME (LOSS) DURING PERIOD NET OF TAX 180,590 56,669
b. Disagio -/- - - - - 7. Return on Assets (ROA) before tax 2.00% 1.79%
1. Unused loans facilities granted to debtors OTHER COMPREHENSIVE INCOME
c. Capital paid in advance - - - - a. Commited 6,694,927 4,898,230 6,694,927 4,898,230 8. Return on Assets (ROA) after tax 1.52% 1.35%
d. Others 7,647 8,242 7,647 8,242 b. Uncommitted 90,599,999 104,752,032 90,599,999 104,752,032 9. Return on Equity (ROE) 7.96% 6.98% 1. Items that will not be reclassified to profit or loss - -
2. Outstanding Irrevocable L/C 1,411,062 1,082,139 1,411,062 1,082,139 10. Net Interest Margin (NIM) including third party premium expenses 6.58% 7.12% 2. Items that will be reclassified to profit or loss - -
18. Other comprehensive income 3. Outstanding sales position of spot and Other Comprehensive Income Net Of Tax - -
a. Gain 208,210 49 208,210 49 derivative/forward 61,347,490 46,596,593 61,347,490 46,596,593 BANK RATIOS :
4. Others - - - - TOTAL COMPREHENSIVE INCOME DURING PERIOD 180,590 56,669
b. Loss -/- - (241,178) - (241,178) Performance Ratio
19. Reserves III. CONTINGENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 24.78% 24.39%
a. General reserves 595,869 564,076 595,869 564,076 1. Guarantees received 688,863 766,033 688,863 766,033
2. Non-performing earning assets and non productive assets to total earnings STATEMENTS OF COMMITMENTS AND CONTINGENCIES
and non productive assets 0.92% 1.01% AS OF 30 SEPTEMBER 2025 AND 31 DECEMBER 2024
b. Specific reserves - - - - 2. Others - - - - (In million Rupiah)
3. Non-performing earning assets to total productive assets 0.86% 0.93%
20. Retained earnings IV. CONTINGENT PAYABLES 4. Allowance for impairment losses for financial asset to productive asset 3.37% 3.79% NO. ACCOUNTS 30 Sep 2025 31 Dec 2024
a. Previous years 36,723,101 34,801,945 36,723,101 34,801,945 1. Guarantees issued 8,566,858 8,319,555 8,566,858 8,319,555 5. NPL gross 1.82% 2.06% I.
COMMITMENT RECEIVABLES
b. Current year 2,831,509 3,179,335 2,831,509 3,179,335 2. Others - - - - 6. NPL net 0.19% 0.26% 1. Unused Financing facilities - -
7. Return on Assets (ROA) before tax 1.98% 1.74% 2. Outstanding purchase position of spot and forward - -
c. Dividend paid -/- (1,112,719) (1,226,385) (1,112,719) (1,226,385) 8. Return on Assets (ROA) after tax 1.65% 1.49% 3. Others - -
TOTAL EQUITY ATTRIBUTABLE TO EQUITY
CAPITAL ADEQUACY RATIO (CAR) 9. Return on Equity (ROE) 10.10% 8.96%
II. COMMITMENT PAYABLES
1. Unused Financing facilities 880,744 4,740,607
AS OF 30 SEPTEMBER 2025 AND 2024
HOLDERS OF THE PARENT ENTITY 53,235,165 51,067,632 53,146,696 51,067,632 10. Net Interest Margin (NIM) 4.51% 4.80% 2. Outstanding sales position of spot and forward - -
(In million Rupiah) 3. Others 8,436 5,746
11. Net Interest Margin (NIM) including third party premium expenses 4.37% 4.64%
TOTAL EQUITY 53,235,165 51,067,632 53,146,696 51,067,632 III. CONTINGENT RECEIVABLES
30 Sep 2025 30 Sep 2024 12. Operating expenses to operating income (BOPO) 77.18% 80.43% 1. Guarantees received - -
CAPITAL COMPONENT 13. Cost to Income Ratio (CIR) 51.94% 54.44% 2. Margin receivables on non performing assets 4,353 3,422
TOTAL LIABILITIES AND EQUITY 239,869,087 221,764,160 259,507,478 242,334,540 Individual Consolidated Individual Consolidated
14. Loan to Deposit Ratio (LDR) 92.97% 98.42% 3. Others - -
*) Include Allowance for Impairment Losses on Leased Receivables I Core Capital (Tier 1) 38,886,392 49,055,847 35,664,604 45,656,857 IV. CONTINGENT PAYABLES
1. Main Core Capital (CET 1) 38,886,392 49,055,847 35,664,604 45,656,857 Compliance 1. Guarantees issued 8,001 38,306
1.1 Paid-up Capital (After deducted with Treasury Stock) 5,995,577 5,995,577 5,995,577 5,995,577 1. a. Percentage violation on Legal Lending Limit 2. Others - -
STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME 1.2 Disclosed reserves 47,326,703 47,238,234 44,568,444 44,568,444 i. Related parties 0.00% 0.00%
FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2025 AND 2024 1.2.1 Addition Factor
1.2.1.1 Other comprehensive income
47,394,845 47,306,376 44,660,162 44,660,162
371,114 371,114 202,971 202,971 ii. Third parties 0.00% 0.00%
FINANCIAL RATIO
(In million Rupiah, except earning per share) AS OF 30 SEPTEMBER 2025 AND 2024
1.2.1.1.1 Surplus from foreign currency translation - - - - b. Percentage lending in excess of Legal Lending Limit
1.2.1.1.2 Potential gain from increase in fair value of financial assets NO. ACCOUNTS 30 Sep 2025 30 Sep 2024
INDIVIDUAL CONSOLIDATED measured at fair value through other comprehensive income 371,114 371,114 202,971 202,971
i. Related parties 0.00% 0.00%
NO. ACCOUNTS ii. Third parties 0.00% 0.00%
30 Sep 2025 30 Sep 2024 30 Sep 2025 30 Sep 2024 1.2.1.1.3 Surplus of fixed assets revaluation - - - - 1. Total Sharia Business Unit (UUS) assets to total Conventional Bank asset which owned UUS 6.52% 6.36%
1.2.1.2 Other Disclosed Reserves 47,023,731 46,935,262 44,457,191 44,457,191 2. Statutory Reserve Requirements (GWM) 2. Non-performing earning assets to total productive assets 1.71% 1.75%
INCOME AND EXPENSES FROM OPERATIONS 1.2.1.2.1 Agio 7,985,971 7,897,502 7,985,971 7,985,971 a. GWM primary IDR 3. Allowance for impairment losses for financial asset to productive asset 3.43% 3.47%
1.2.1.2.2 General reserve 595,869 595,869 564,076 564,076 4. NPF gross 1.73% 1.76%
1.2.1.2.3 Prior years profit 35,610,382 35,610,382 33,575,559 33,575,559 i. Daily 0.00% 0.00%
A. Interest Income and Expenses 5. NPF net 1.04% 1.13%
1.2.1.2.4 Current year profit 2,831,509 2,831,509 2,331,585 2,331,585 ii. Average 4.05% 6.13%
1. Interest Income 11,769,955 10,892,282 17,504,905 16,963,599 1.2.1.2.5 Paid up capital fund - - - - 6. Return On Assets (ROA) 2.21% 0.77%
b. GWM foreign currency (daily) 2.00% 2.00% 7. Profit sharing financing to total financing 48.20% 43.41%
2. Interest Expense -/- 4,699,422 4,080,574 5,585,662 5,031,844 1.2.1.2.6 Others - - - - 3. Net Open Position 1.09% 1.48%
1.2.2 Deduction Factor (68,142) (68,142) (91,718) (91,718) 8. Financing to Deposit Ratio (FDR) 174.68% 166.64%
Net Interest Income ( Expense ) 7,070,533 6,811,708 11,919,243 11,931,755 1.2.2.1 Other comprehensive income - - - -
1.2.2.1.1 Deficit from foreign currency translation - - - -
B. Operating Income and Expense other than Interest 1.2.2.1.2 Potential loss from decrease in fair value of financial assets
measured at fair value through other comprehensive income - - - - TABLE OF MARGIN DISTRIBUTIONS
1. Gain (loss) from increase (decrease) in fair value 1.2.2.2 Other Disclosed Reserves (68,142) (68,142) (91,718) (91,718) CONSOLIDATED STATEMENTS OF CASH FLOWS
1.2.2.2.1 Disagio - - - - FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2025 AND 2024 FOR THE MONTH OF SEPTEMBER 2025
of financial assets 19,521 119,884 17,560 119,884 1.2.2.2.2 Prior years loss - - - - (In million Rupiah)
(In million Rupiah)
2. Gain (loss) from decrease (increase) in fair value 1.2.2.2.3 Current year loss - - - -
1.2.2.2.4 Negative differences between regulatory provision and allowance 30 Sep 2025 30 Sep 2024 Net Revenue Sharing
of financial liabilities - - - - for impairment on productive assets - - - -
3. Gain (loss) from sale of financial assets 566,701 236,552 566,701 236,552 1.2.2.2.5 Negative difference on fair value adjustment of financial instrument Cash flows from operating activities: Depositor’s portion
in trading book - - - -
4. Gain (loss) from spot and derivative transaction (realised) 225,639 142,695 225,639 142,695 1.2.2.2.6 Required regulatory provision for non-productive assets (68,142) (68,142) (91,718) (91,718) Interest income, fees and commissions 9,230,503 8,409,977 Average Revenue to be Total bonus Rate of return
1.2.2.2.7 Others - - - - balance distributed Nisbah
5. Gain (loss) from investment under equity method 891,812 1,051,450 20,082 35,103 Receipts from consumer financing transactions 35,296,005 34,525,086 Type of funding & profit indication
1.3 Non-controlling interest - - - - (%) sharing (%)
6. Gain (loss) from foreign currencies translation 2 14 158 126 Payments for new consumer financing transactions (26,384,760) (28,417,832)
1.4 Deduction factor to core capital (14,435,888) (4,177,964) (14,899,417) (4,907,164)
1.4.1 Deffered tax calculation (876,472) (1,280,735) (1,738,961) (2,011,940) Payments of interest, fees and commissions (5,677,383) (5,059,934) A B C D E
7. Dividend income 1,191 3,945 1,191 3,945
1.4.2 Goodwill - (1,074,532) - (1,074,532) Payments of interests on securities issued (399,193) (323,730) 1. Liabilities to other bank - - - - -
8. Fees/commissions and administrative income 1,222,355 1,297,265 1,731,458 1,827,773 1.4.3 Intangible assets (509,470) (817,955) (619,474) (841,375) Proceeds in relation to joint financing 12,053,189 13,381,220 2. Mudharabah current account
9. Other income 420,014 393,188 1,084,740 1,067,199 1.4.4 Investment calculated as deduction factor (13,049,946) (1,004,742) (12,540,982) (979,317)
1.4.5 Short of capital on insurance subsidiary company - - - - Repayment in relation to joint financing (11,302,779) (11,288,995) a. Bank 149,036 1,228 10.00 123 0.99
10. Addition (reversal) of Impairment losses on financial 1.4.6 Capital securitisation exposure - - - - Other operating income 1,809,859 1,360,792 b. Non Bank 1,265,176 10,427 18.00 1,894 1.80
assets -/- 1,557,736 1,816,233 2,827,103 3,386,953 1.4.7 Other deduction factor to core capital - - - - Gains from foreign exchange transactions - net 286,850 361,480
2. Additional Core Capital (AT-1) - - - - 3. Mudharabah saving account
11. Losses on operational risk -/- 2,336 25,886 2,523 26,041 2.1 Instrument that qualified for AT-1 - - - - Other operating expenses (7,288,626) (7,282,612) a. Bank 110,137 908 13.00 118 1.29
12. Salaries and employee benefits -/- 2,923,067 2,912,544 4,794,603 4,735,378 2.2 Agio/Disagio - - - - Non-operating expense - net (35,310) (31,346) b. Non Bank 917,281 7,560 7.00 520 0.68
2.3 Deduction factor of Additional Core Capital - - - - 4. Mudharabah time deposit
13. Promotion expenses -/- 161,044 210,748 614,669 655,023 Cash flows before changes in operating assets and liabilities 7,588,355 5,634,106
II Supplementary Capital (Tier 2) 1,822,681 1,939,410 1,698,367 1,821,607 a. Bank
14. Other expenses -/- 2,324,205 2,325,221 3,566,835 3,458,776 1. Capital instrument in form of shares and others which is qualified for Tier 2 15,833 15,833 20,833 20,833 Changes in operating assets and liabilities:
2. Agio/Disagio - - - - - 1 month 42,832 353 25.00 88 2.47
Operating Income (Expenses) other than Interest (3,621,153) (4,045,639) (8,158,204) (8,828,894) 3. General reserves of regulatory provision on productive assets (max. 1.25% of RWA Credit Risk) 1,806,848 1,923,577 1,677,534 1,800,774 Decrease/(increase) in operating assets: - 3 months 51,633 426 25.00 106 2.46
4. Deduction factor of Supplementary Capital - - - - Marketable securities and Government Bonds - trading (1,543,076) (1,665,780) - 6 months - - - - -
OPERATING INCOME (LOSS) 3,449,380 2,766,069 3,761,039 3,102,861 Securities purchased under resale agreements (1,198,293) 1,872,555
Total Capital 40,709,073 50,995,257 37,362,971 47,478,464 - 12 months 8,193 68 25.00 17 2.49
Loans (12,317,993) (13,852,667) b. Non Bank
NON OPERATING INCOME AND EXPENSES DESCRIPTION
30 Sep 2025 30 Sep 2024 Description
30 Sep 2025 30 Sep 2024
Prepayments and other assets 243,174 144,367 - 1 month 1,035,863 8,537 25.00 2,134 2.47
1. Gain (loss) from sale of fixed assets and equipment 5,215 3,874 5,436 4,334 Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
Increase/(decrease) in operating liabilities: - 3 months 2,083,219 17,169 25.00 4,292 2.47
2. Other non operating income (expenses) (63,450) (59,902) (38,020) (31,346) RISK WEIGHTED ASSETS CAR RATIO Deposits from customers: - 6 months 1,603,067 13,212 25.00 3,303 2.47
NON OPERATING INCOME (LOSS) (58,235) (56,028) (32,584) (27,012) RWA CREDIT RISK 150,252,277 176,148,012 140,244,919 166,816,976 CET 1 Ratio (%) 23.67% 25.55% 23.28% 25.14% - Current accounts 1,998,353 (7,742,045) - 12 months 357,076 2,943 25.00 736 2.47
RWA MARKET RISK 3,087,179 3,247,483 2,702,437 2,829,500 Tier 1 Ratio (%) 23.67% 25.55% 23.28% 25.14% - Savings 2,821,381 (248,138) 5. Financing received - - - - -
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 3,391,145 2,710,041 3,728,455 3,075,849 - Time deposits 11,567,868 16,312,096
RWA OPERATIONAL RISK 10,958,852 12,631,842 10,256,117 11,968,282 Tier 2 Ratio (%) 1.11% 1.01% 1.11% 1.00%
Income tax TOTAL RWA 164,298,308 192,027,337 153,203,473 181,614,758 Total Ratio (%) 24.78% 26.56% 24.39% 26.14% Deposits from other banks 1,962,146 3,822,316 Total 7,623,513 62,831
a. Current year tax expenses -/- 416 84,905 260,676 273,974 Accruals and other liabilities (126,057) (865,951)
CAR RATIO ACCORDING 9.00% 9.00% 9.00% 9.00% CET 1 FOR 15.78% 17.56% 15.39% 17.14% Income tax paid during the period (373,871) (369,793)
b. Deferred tax income (expenses) (559,220) (293,551) (561,839) (381,916) TO RISK PROFILE (%) BUFFER (%)
Average balance Revenue received
Type of financing
TOTAL NET PROFIT (LOSS) DURING PERIOD 2,831,509 2,331,585 2,905,940 2,419,959 CAR ALOCATION ACCORDING BUFFER 3.50% 3.50% 3.50% 3.50% Net cash provided from operating activities 10,621,987 3,041,066 A B
TO RISK PROFILE PERCENTAGE Cash flows from investing activities:
OTHER COMPREHENSIVE INCOME 1. Placements at other banks - -
REQUIREMENT (%) Proceeds from sales of and matured marketable securities and Government
1. Items that will not be reclassified to profit or loss 2. Murabahah receivables
From CET1 (%) 7.89% 7.99% 7.89% 8.00% Capital 2.50% 2.50% 2.50% 2.50% Bonds - amortized cost and fair value through other comprehensive income 36,939,249 14,985,932
a. Gain from fixed asset revaluation - - - - a. Bank - -
Conservation Acquisition of marketable securities and Government Bonds - amortized cost b. Non Bank 7,638,648 71,992
b. Gain (loss) from remeasurement on defined Buffer (%) and fair value through other comprehensive income (40,230,739) (27,571,827) 3. Istishna receivables
benefit pension program 8,886 34 9,652 (1,612) From AT1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical 0.00% 0.00% 0.00% 0.00% Acquisition of fixed assets and intangible assets (410,466) (626,143) a. Bank - -
Buffer (%) Proceeds from sale of fixed assets 7,302 16,274 b. Non Bank - -
c. Others (14,757) (8,314) (14,533) (6,205)
From Tier 2 (%) 1.11% 1.01% 1.11% 1.00% Capital Surcharge 1.00% 1.00% 1.00% 1.00% Receipt from investment 65,114 (2,919) 4. Multipurpose receivables
2. Items that will be reclassified to profit or loss for Systemic a. Bank - -
Acquisition of investment in associate - (865,385)
a. Gain (loss) from adjustment on translation Bank (%) b. Non Bank - -
Adjustment to value /(acquisition) of investment in shares 1,167 (24,013)
of financial statements - - - - 5. Pawn financing
STATEMENT OF SPOT AND DERIVATIVE TRANSACTION Receipt of cash dividends 1,191 3,945 a. Bank - -
b. Gain (loss) from changes in fair value of financial AS OF 30 SEPTEMBER 2025 Net cash used by Investing activities (3,627,182) (14,084,136) b. Non Bank - -
assets measured at fair value through (In million Rupiah) 6. Mudharabah financing
other comprehensive income 497,553 200,399 497,553 200,399 INDIVIDUAL Cash flows from financing activities: a. Bank 173,927 1,340
Payments of principal on securities sold under repurchase agreements (277,757,822) (57,473,675) b. Non Bank 2,268,162 10,348
c. Others (42,939) (26,193) (46,637) (28,450) NO. TRANSACTION Purpose Derivative Receivable and Liabilities
Notional Amount Proceeds from securities sold under repurchase agreements 273,901,322 60,399,627 7. Musyarakah financing
Other Comprehensive Income Net Of Tax 448,743 165,926 446,035 164,132 Trading Hedging Receivables Liabilities a. Bank - -
Payments of principal on bonds issued and mudharabah bonds (2,297,184) (2,257,750)
A. Related to exchange rate b. Non Bank 4,296,241 10,484
TOTAL CURRENT PERIOD PROFIT (LOSS) Proceeds from bonds issuance mudharabah bonds 3,565,259 2,037,281 8. Lease financing
1. Spot 6,246,989 6,246,989 - 4,190 5,017 Payments of cash dividends (1,168,522) (1,303,458)
AND COMPREHENSIVE INCOME 3,280,252 2,497,511 3,351,975 2,584,091 2. Forward 26,575,427 26,575,427 - 121,693 74,328 a. Bank - -
3. Option Repayment of borrowings (7,565,073) (10,816,900) b. Non Bank 1,010,245 6,553
Current Period Profit (Loss) attributable to: a. Purchased 303,438 303,438 - 1,567 291,514 Proceeds from borrowings 5,511,850 15,195,842 9. Other financing
Equity holders of the parent entity 2,831,509 2,331,585 2,831,509 2,331,585 b. Written 274,661 274,661 - - 2,391 Treasury shares (88,469) - a. Bank - -
4. Future - - - - - Decrease in principal of lease liabilities (131,620) (96,760) b. Non Bank 519 7
Non-controlling interests - - 74,431 88,374
5.Swap 58,652,873 58,652,873 - 244,168 406,860 Net cash (used by)/provided from financing activities (6,030,259) 5,684,207 Total 15,387,742 100,724
TOTAL CURRENT PERIOD PROFIT (LOSS) 2,831,509 2,331,585 2,905,940 2,419,959 6.Others 3,969,741 3,969,741 - 40,083 90,759
B.Related to interest rate Increase/(decrease) in cash and cash equivalent - net 964,546 (5,358,863)
Total Current Period Profit (Loss) and Comprehensive Net effect on changes in exchange rates on cash and cash equivalent 70,171 (12,010) Notes:
1.Forward - - - - -
Income attributable to: 2.Option Cash and cash equivalents at beginning of the period 14,937,418 18,562,802 *) Total of Murabahah and Multijasa financing exclude margin to be received of Rp 1,387,911 million and Rp 1,383,811
million as of 30 September 2025 and 31 December 2024.
Equity holders of the parent entity 3,280,252 2,497,511 3,280,252 2,497,511 a. Purchased - - - - - Cash and cash equivalents at end of the period 15,972,135 13,191,929
Non-controlling interests - - 71,723 86,580 b. Written - - - - -
3. Future - - - - - Cash and cash equivalents consist of: Jakarta, 30 October 2025
TOTAL CURRENT PERIOD PROFIT (LOSS) 4. Swap - - - - - Cash 2,048,487 1,917,390 Sharia Business Unit
AND COMPREHENSIVE INCOME 3,280,252 2,497,511 3,351,975 2,584,091 5. Others 154,988 154,988 - 159 78 Current accounts with Bank Indonesia 5,728,545 5,184,456
C. Others 3,853,484 3,853,484 - 46,742 44,255 Current accounts with other banks 3,100,455 2,951,273
DIVIDEND (1,112,719) (1,226,385) (1,112,719) (1,226,385) TOTAL 100,031,601 100,031,601 - 458,602 915,202 Placements with other banks and Bank Indonesia - maturing within 3 months
BASIC EARNINGS PER SHARE (in rupiah unit) 289.71 238.56 289.71 238.56 Market value represents total notional amount buy and sell position at gross basis. from the date of acquisition 5,094,648 3,138,810
A notional amount is a number of currency units specified in the contract. Total cash and cash equivalents 15,972,135 13,191,929 Prof. Dr. H. M. Din Syamsuddin, MA Herry Hykmanto
Derivative receivables/liabilities represent the settlement value of a derivative instrument on balances sheet date.
Sharia Supervisory Board Director
ALLOWANCE FOR IMPAIRMENT LOSSES BANK MANAGEMENT Notes:
AS OF 30 SEPTEMBER 2025 AND 2024 AS OF 30 SEPTEMBER 2025
(In million Rupiah) 1. The financial information as of 30 September 2025 and for the nine-month period then ended, was derived from the consolidated
BOARD OF COMMISSIONERS financial statements of PT Bank Danamon Indonesia Tbk. (Bank) and subsidiary, prepared by the Bank’s management in
30 Sep 2025 30 Sep 2024 President Commissioner : Yasushi Itagaki
Impairment Loss Allowance Minimum Required Regulatory Impairment Loss Allowance Minimum Required Regulatory accordance with Indonesian Financial Accounting Standards. The above consolidated financial information was derived from the
No ACCOUNTS Vice President Commissioner (Independent) : Halim Alamsyah
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific Commissioner : Nobuya Kawasaki consolidated financial statements; therefore, the consolidated financial information does not represent a complete presentation
Commissioner : Dan Harsono of the consolidated financial statements.
1. Placements at other banks 338 - - 29,779 - 183 - - 20,025 - Independent Commissioner : Peter Benyamin Stok
2. Spot and derivative receivables - - - 4,586 - - - - 8,697 - The above published report are presented in order to comply with Regulation of Financial Service Authority (“POJK”) No.37/
3. Marketable securities 1,117 - 106,152 30,375 - 10,137 - 247,651 36,734 - Independent Commissioner : Hedy Maria Helena Lapian
4. Securities sold under repurchase agreements (repo) - - - - - - - - - - POJK.03/2019 dated 20 December 2019 regarding “Transparency and Publication of Bank”, and the Circular Letter of Financial
5. Securities purchased under resale agreements (reverse repo) - - - 28,877 - - - - 5,119 - BOARD OF DIRECTORS Service Authority (“SEOJK”) No.09/SEOJK.03/2020 dated 30 June 2020 regarding “Transparency and Publication of Conventional
6. Acceptance receivables 3,097 682 - 8,978 - 2,059 - - 14,082 -
7. Loans and financing 1,840,521 779,931 4,837,041 1,511,681 1,737,387 1,965,402 994,312 4,588,639 1,386,509 1,955,799
President Director : Daisuke Ejima Bank”, POJK No.14/POJK.04/2022 dated 22 August 2022 regarding “Financial Statements Presentation and Disclosure of Issuer
Vice President Director : Honggo Widjojo Kangmasto
8. Investments - - - 131,076 - - - - 126,279 - or Public Companies”, and the Decree of Chairman of Capital Market and Financial Institution Supervisory Board (“Bapepam-LK”)
9. Other receivables 2,261 - - 7,710 - 2,506 - - 7,245 - Director : Herry Hykmanto
No. KEP 347/BL/2012 dated 25 June 2012 No. VIII.G.7. regarding “Financial Statements Presentation and Disclosure of Issuer
10. Commitment and Contingency 149,458 3,107 92 53,786 13,945 122,143 2,087 171 72,845 14,872 Director : Rita Mirasari
Director : Dadi Budiana or Public Companies”.
Director : Thomas Sudarma
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY Director : Jin Yoshida
2. MUFG Bank, Ltd. is wholly-owned subsidiary of Mitsubishi UFJ Financial Group, Inc. which is based in Japan.
FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2025 AND 2024
(In million Rupiah) Director : Yenny Siswanto 3. Exchange rate as of 30 September 2025: USD 1 = Rp16,665.00; Exchange rate as of 31 December 2024: USD 1 = Rp16,095.00;
Attributable to equity holders of the parent entity
Exchange rate as of 30 September 2024: USD 1 = Rp15,140.00.
Other equity components Retained earnings SHARIA SUPERVISORY BOARD
Additional Other Changes in fair value on Total before Non- AS OF 30 SEPTEMBER 2025
Share Changes of Marketable securities, Government Changes in fair value controlling Total
paid-up paid-up non-controlling
capital capital capital associate
equity
Bonds, and Investments in shares of cashflow hedge-net Appropriated Unappropriated*)
measured at fair value through interest interest Equity
1. Chairman : Prof. Dr. H. M. Din Syamsuddin, MA Thank You for Your Vote of Confidence
other comprehensive income - net 2. Member : Prof. Dr. Hasanudin, M. Ag.
Balance as of 1 January 2024 5,995,577 7,985,971 189 8,242 (112,277) (10,469) 563,887 36,636,512 51,067,632 757,925 51,825,557 3. Member : Dr. Asep Supyadillah, M.Ag.
Net income for the period
Other Comprehensive Income, net of tax
- - - - - - - 2,831,509 2,831,509 74,431 2,905,940
Asian Banking and Finance (ABF) Retail Banking Awards 2025
SHARE OWNERSHIP OF BANK
Changes in fair value of cashflow hedge-net
Remeasurement of obligation for post-employment-benefits
-
-
-
-
-
-
-
-
-
-
(42,939)
-
-
-
-
8,886
(42,939)
8,886
(3,698)
766
(46,637)
9,652 AS OF 30 SEPTEMBER 2025 by Asian Banking and Finance, category:
Remeasurement of insurance contract under PSAK 117
Changes in fair value on Marketable securities, Government Bonds,
- - - (595) - - - - (595) - (595)
1. MUFG Bank, Ltd. (direct and indirect) 92.47% Debit Card Initiative of the Year - Indonesia
and Investments in shares measured at fair value through other 2. Public 7.53%
comprehensive income - net - - - - 483,391 - - - 483,391 224 483,615
Total 100.00%
Total other comprehensive income
Total comprehensive income for the period
-
-
-
-
-
-
(595)
(595)
483,391
483,391
(42,939)
(42,939)
-
-
8,886
2,840,395
448,743
3,280,252
(2,708)
71,723
446,035
3,351,975 Fortune Indonesia 100 - 2025
Treasury Shares
Appropriation for general and legal reserve
-
-
(88,469)
-
-
-
-
-
-
-
-
-
-
31,793
-
(31,793)
(88,469)
-
-
-
(88,469)
- Jakarta, 30 October 2025 by Fortune Indonesia, category:
Distribution of cash dividends
Balance as of 30 September 2025
-
5,995,577
-
7,897,502
-
189
-
7,647
-
371,114
-
(53,408)
-
595,680
(1,112,719)
38,332,395
(1,112,719)
53,146,696
(55,748)
773,900
(1,168,467)
53,920,596
Board of Directors 100 Biggest Company in Indonesia 2025
Balance as of 1 January 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
Net income for the period - - - - - - - 2,331,585 2,331,585 88,374 2,419,959
Other comprehensive income, net of tax
Top GRC Awards 2025
Changes in fair value of cashflow hedge-net - - - - - (26,193) - - (26,193) (2,257) (28,450)
Remeasurement of obligation for post-employment-benefits - - - - - - - 34 34 - 34
Changes in fair value on Marketable securities, Government Bonds,
and Investments in shares measured at fair value through
other comprehensive income - net - - - - 192,085 - - - 192,085 463 192,548 by Top Business, category:
Total other comprehensive income - - - - 192,085 (26,193) - 34 165,926 (1,794) 164,132 Top GRC – 4 Stars
Total comprehensive income for the period - - - - 192,085 (26,193) - 2,331,619 2,497,511 86,580 2,584,091 Daisuke Ejima Dadi Budiana
Appropriation for general and legal reserve - - - - - - 35,039 (35,039) - - - The Most Committed GRC Leader 2025:
Distribution of cash dividends - - - - - - - (1,226,385) (1,226,385) (77,080) (1,303,465) President Director Director
Balance as of 30 September 2024 5,995,577 7,985,971 189 8,242 202,971 (26,882) 563,887 35,777,788 50,507,743 732,251 51,239,994 Daisuke Ejima, Direktur Utama PT Bank Danamon Indonesia Tbk
*) Unappropriated retained earnings include remeasurement of obligation for post-employment benefits
Corporate Communications - Menara Bank Danamon 11th Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645030, Email : corporate.communications@danamon.co.id
Investor Relation Division - Menara Bank Danamon 21st Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645103, Email : investor.relations@danamon.co.id
PT Bank Danamon Indonesia Tbk berizin dan diawasi oleh Otoritas Jasa Keuangan dan Bank Indonesia serta merupakan peserta penjamin LPS
Names mentioned 20 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×8
unresolved
person
Prof. Dr. H. M. Din Syamsuddin
p.1 ×2
unresolved
org
Bapepam-LK
p.1 ×2
unresolved
person
Prof. Dr. Hasanudin
p.1
unresolved
person
Dr. Asep Supyadillah
p.1
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