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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 31 MARCH 2025 AND 31 DECEMBER 2024
(In million Rupiah)
AS OF 31 MARCH 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
31 Mar 2025 31 Dec 2024 31 Mar 2025 31 Dec 2024 NO. ACCOUNTS 31 Mar 2025 31 Mar 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 2,829,768 2,286,078 3,137,804 2,467,706 I. RELATED PARTIES
2. Placements with Bank Indonesia 12,615,340 10,799,120 12,615,340 10,799,120 1. Placements with other banks STATEMENT OF FINANCIAL POSITION
a. Rupiah - - - - - - - - - - - - AS OF 31 MARCH 2025 AND 31 DECEMBER 2024
3. Placements with other banks 1,283,197 1,124,832 1,606,314 1,670,592 b. Foreign currencies 85,811 - - - - 85,811 138,403 - - - - 138,403 (In million Rupiah)
4. Spot and derivative/forward receivables 293,071 372,830 445,100 435,636 2. Spot and derivative/forward receivables
a. Rupiah 738 - - - - 738 6 - - - - 6 NO. ACCOUNTS 31 Mar 2025 31 Dec 2024
5. Marketable securities 22,494,679 28,556,800 22,435,329 28,487,832 b. Foreign currencies 2,095 - - - - 2,095 3 - - - - 3
3. Marketable securities ASSETS
6. Securities sold under repurchase agreements (repo) 9,045,519 3,130,177 9,045,519 3,130,177 1. Cash 25,120 39,157
a. Rupiah 159,521 - - - - 159,521 153,346 - - - - 153,346
7. Securities purchased under resale agreements b. Foreign currencies 49,680 - - - - 49,680 31,710 - - - - 31,710 2. Placements with Bank Indonesia 1,467,860 2,850,135
4. Securities sold under repurchase agreements (repo) 3. Placements with other banks - -
(reverse repo) 3,456,939 1,785,799 3,456,939 1,785,799
a. Rupiah - - - - - - - - - - - - 4. Marketable securities - -
8. Acceptance receivables 1,084,815 1,136,000 1,084,815 1,136,000 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) 5. Financing receivables *) 6,034,125 6,270,070
9. Loans 147,712,651 144,796,622 147,289,040 144,581,344 a. Rupiah - - - - - - - - - - - - 6. Profit sharing financing 6,349,771 4,509,220
10. Sharia financing 13,275,419 11,679,651 13,275,419 11,679,651 b. Foreign currencies - - - - - - - - - - - - 7. Leased financing 891,523 900,360
11. Consumer financing receivables - - 26,555,865 27,215,480 6. Acceptance receivables 122,321 - - - - 122,321 79,485 - - - - 79,485 8. Other earning asset 72,063 69,684
7. Loans and financing 9. Allowance for impairment losses on earning asset (-/-) (446,486) (422,931)
Allowance for impairment losses on consumer financing a. Micro, small and medium debtor
10. Fixed assets and equipment 8,000 7,615
i. Rupiah - - - - - - - - - - - -
receivables -/- - - (1,512,609) (1,513,432) ii. Foreign currencies - - - - - - - - - - - - 11. Non earning asset 1,161 1,161
12. Investments 12,473,527 12,908,218 2,310,972 2,346,496 b. Non micro, small and medium debtor 12. Other assets 14,170 8,838
i. Rupiah 1,621,775 - - - - 1,621,775 1,625,331 275 - - - 1,625,606
13. Other financial assets 1,902,193 2,155,869 2,002,931 2,257,646 ii. Foreign currencies 143,266 - - - - 143,266 98,496 - - - - 98,496 TOTAL ASSETS 14,417,307 14,233,309
14. Allowance for impairment losses on financial assets -/- c. Restructured Loans
LIABILITIES
i. Rupiah - - - - - - - - - - - -
a. Marketable securities (114,883) (225,130) (114,883) (225,130) ii. Foreign currencies - - - - - - - - - - - - 1. Wadiah saving 641,271 942,088
b. Loans and Sharia financing *) (7,569,223) (7,514,253) (7,646,078) (7,588,707) 8. Investments 12,402,357 - - - - 12,402,357 11,892,614 - - - - 11,892,614 2. Non profit sharing investment funds 7,843,811 7,551,224
9. Other receivables - - - - - - - - - - - - 3. Liabilities to Bank Indonesia - -
c. Others (6,511) (8,385) (6,511) (8,385) 10. Commitments and contingencies 4. Liabilities to other banks 438,149 504,993
15. Intangible assets 2,762,444 2,745,250 5,497,077 5,434,680 a. Rupiah 1,846,184 14 - - - 1,846,198 265,891 465 - - - 266,356 5. Marketable securities issued - -
b. Foreign currencies 269,253 - - - - 269,253 250,060 - - - - 250,060
Accumulated amortisation on intangible assets -/- (2,211,363) (2,154,280) (3,550,346) (3,474,131) 6. Other liabilities 64,005 52,010
16. Fixed assets and equipment 4,406,693 4,371,460 5,835,129 5,796,207 II. NON RELATED PARTIES 7. Profit sharing investment funds - -
1. Placements with other banks 8. Working funds 5,392,551 5,047,012
Accumulated depreciation of fixed assets and equipment -/- (2,424,350) (2,430,112) (3,315,148) (3,313,562) a. Rupiah 128,808 - - - - 128,808 1,979,561 - - - - 1,979,561 9. Retained earnings 37,520 135,982
b. Foreign currencies 1,068,578 - - - - 1,068,578 2,136,343 - - - - 2,136,343
17. Non earning asset 2. Spot and derivative/forward receivables TOTAL LIABILITIES 14,417,307 14,233,309
a. Idle properties 64,599 64,599 64,599 64,599 a. Rupiah 281,858 - - - - 281,858 219,997 - - - - 219,997
b. Foreign currencies 8,380 - - - - 8,380 5,901 - - - - 5,901
b. Foreclosed assets 281,321 320,073 281,321 320,073 3. Marketable securities STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME
c. Suspense accounts 7 37 7 37 a. Rupiah 20,435,543 - - - - 20,435,543 21,793,135 - - - - 21,793,135 FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2025 AND 2024
b. Foreign currencies 1,849,935 - - - - 1,849,935 3,554,506 - - - - 3,554,506 (In million Rupiah)
d. Interbranch assets - - - - 4. Securities sold under repurchase agreements (repo)
18. Leased receivables - - 2,436,623 2,309,853 a. Rupiah 9,045,519 - - - - 9,045,519 - - - - - - NO. ACCOUNTS 31 Mar 2025 31 Mar 2024
b. Foreign currencies - - - - - - - - - - - -
19. Other assets 7,401,818 5,862,905 7,564,444 6,538,959 5. Securities purchased under resale agreements (reverse repo) OPERATING INCOME AND EXPENSE
a. Rupiah 3,456,939 - - - - 3,456,939 1,027,978 - - - - 1,027,978 A. Operational Income dan Expense from distribution of fund
TOTAL ASSETS 231,057,670 221,764,160 250,795,012 242,334,540 b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 961,767 727 - - - 962,494 1,207,296 2,111 - - - 1,209,407 1. Income from Distribution of Fund
LIABILITIES AND EQUITY 7. Loans and financing a. Income from receivables 203,540 201,366
LIABILITIES a. Micro, small and medium debtor
i. Rupiah 18,768,247 2,298,838 104,958 190,583 456,568 21,819,194 18,268,659 2,493,890 102,986 208,086 866,686 21,940,307 b. Income from profit sharing 88,265 81,166
1. Current accounts 25,869,299 26,997,243 25,029,960 26,098,043 ii. Foreign currencies 88,663 - - - 693 89,356 78,212 - - - 4,495 82,707 c. Leased income 18,783 11,707
2. Savings 37,824,129 36,188,408 37,824,129 36,188,408 b. Non micro, small and medium debtor d. Others 1,415 1,457
i. Rupiah 114,989,074 5,751,809 259,127 645,953 1,142,686 122,788,649 99,932,647 5,763,587 261,626 571,252 1,140,778 107,669,890
3. Time deposits 86,287,841 88,283,018 86,287,841 88,283,018 ii. Foreign currencies 14,309,652 216,178 - - - 14,525,830 16,892,792 233,987 - - - 17,126,779
2. Margin distribution to owners of investment funds -/-
c. Restructured Loans a. Non Profit sharing 90,853 79,612
4. E-money - - - -
i. Rupiah 2,661,004 751,861 56,156 364,262 752,400 4,585,683 3,405,928 1,124,093 96,111 282,681 1,421,958 6,330,771 b. Profit sharing - -
5. Loans from Bank Indonesia - - - - ii. Foreign currencies 21,635 216,178 - - 693 238,506 27,955 233,590 - - 4,495 266,040 3. Income after margin distribution 221,150 216,084
6. Borrowings from other banks 5,747,975 4,204,749 5,747,975 4,204,749 8. Investments 71,170 - - - - 71,170 79,657 - - - - 79,657
9. Other receivables 787,653 - - - - 787,653 412,758 - - - - 412,758 B. Other Operating Income and Expenses Except Fund Distribution
7. Spot and derivative/forward liabilities 786,704 600,953 786,877 676,369 10. Commitments and contingencies
a. Rupiah 104,184,890 299,654 - - - 104,484,544 86,202,884 245,995 - - - 86,448,879 1. Gain (loss) from foreign currencies translation (79) 22,144
8. Securities sold under repurchase agreements (repo) 12,193,690 4,718,889 12,193,690 4,718,889
b. Foreign currencies 16,443,142 7,858 - - - 16,451,000 16,272,789 3,995 - - - 16,276,784
9. Acceptance payables 1,084,815 1,136,000 1,084,815 1,136,000 2. Income as mudharib in mudharabah muqayyadah - -
III. OTHERS INFORMATION
3. Commision/Provision/Fees and administrative 1,341 1,073
10. Marketable securities issued - - 8,334,232 7,139,060
1. Collateralised assets 4. Other income 7,425 7,976
11. Borrowings 25,000 25,000 8,640,017 10,475,188 a. To Bank Indonesia - - 5. Wadiah bonus expense -/- 6,581 5,598
12. Security deposits 7,886 7,989 7,886 7,989 b. To other parties - - 6. Addition (reversal) of impairment losses on financial assets -/- 134,026 170,337
2 Foreclosed assets 281,321 451,924
13. Interbranch liabilities - - - - 7. Losses related to operational risk -/- - -
14. Other liabilities 10,482,507 8,534,279 13,386,369 11,581,270 8. Addition (reversal) of impairment losses on other asset (non financial) -/- - -
15. Minority interest - - 723,397 757,925 STATEMENTS OF COMMITMENTS AND CONTINGENCIES KEY FINANCIAL RATIOS 9. Salaries and employee benefits -/- 22,101 21,294
AS OF 31 MARCH 2025 AND 31 DECEMBER 2024 AS OF 31 MARCH 2025 AND 2024 10. Other expenses -/- 16,785 17,670
TOTAL LIABILITIES 180,309,846 170,696,528 200,047,188 191,266,908 (In million Rupiah) Other Operating Income (Expense) (170,806) (183,706)
INDIVIDUAL CONSOLIDATED NO. RATIOS (%) 31 Mar 2025 31 Mar 2024
EQUITY NO. ACCOUNTS OPERATING INCOME (LOSS) 50,344 32,378
31 Mar 2025 31 Dec 2024 31 Mar 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) 25.23% 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 - -
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 - - - - 2. Other non operating income (expenses) (2,072) (1,682)
and non productive assets 0.99% 1.27%
2. Outstanding purchase position of spot and NON OPERATING INCOME (LOSS) (2,072) (1,682)
c. Treasury stock -/- - - - - derivative/forward 43,541,481 45,121,270 43,541,481 45,121,270 3. Non-performing earning assets to total productive assets 0.96% 1.18%
17. Additional paid-up capital 4. Allowance for impairment losses for financial asset to productive asset 4.02% 4.47% INCOME (LOSS) DURING PERIOD BEFORE TAX 48,272 30,696
3. Others - - - -
5. NPL gross 1.88% 2.22% Income tax -/- 10,752 6,794
a. Agio 7,985,971 7,985,971 7,985,971 7,985,971 II. COMMITMENT PAYABLES 6. NPL net 0.30% 0.40% INCOME (LOSS) DURING PERIOD NET OF TAX 37,520 23,902
b. Disagio -/- - - - -
1. Unused loans facilities granted to debtors 7. Return on Assets (ROA) before tax 1.63% 1.98% OTHER COMPREHENSIVE INCOME
c. Capital paid in advance - - - - a. Commited 7,568,506 4,898,230 7,568,506 4,898,230 8. Return on Assets (ROA) after tax 1.24% 1.49%
d. Others 8,242 8,242 8,242 8,242 b. Uncommitted 106,232,641 104,752,032 106,232,641 104,752,032 9. Return on Equity (ROE) 6.49% 7.51% 1. Items that will not be reclassified to profit or loss - -
2. Outstanding Irrevocable L/C 1,259,510 1,082,139 1,259,510 1,082,139 10. Net Interest Margin (NIM) including third party premium expenses 6.65% 7.35% 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 57 49 57 49 derivative/forward 43,448,295 46,596,593 43,448,295 46,596,593 BANK RATIOS :
4. Others - - - - Performance Ratio TOTAL COMPREHENSIVE INCOME DURING PERIOD 37,520 23,902
b. Loss -/- (204,828) (241,178) (204,828) (241,178)
19. Reserves III. CONTINGENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 23.42% 24.58%
a. General reserves 595,869 564,076 595,869 564,076 1. Guarantees received 694,985 766,033 694,985 766,033
2. Non-performing earning assets and non productive assets to total earnings STATEMENTS OF COMMITMENTS AND CONTINGENCIES
and non productive assets 0.88% 1.16% AS OF 31 MARCH 2025 AND 31 DECEMBER 2024
b. Specific reserves - - - - 2. Others - - - - 3. Non-performing earning assets to total productive assets 0.84% 1.06% (In million Rupiah)
20. Retained earnings IV. CONTINGENT PAYABLES 4. Allowance for impairment losses for financial asset to productive asset 3.63% 4.05% NO. ACCOUNTS 31 Mar 2025 31 Dec 2024
a. Previous years 36,723,101 34,801,945 36,723,101 34,801,945 5. NPL gross 1.85% 2.28%
1. Guarantees issued 7,990,338 8,319,555 7,990,338 8,319,555 I. COMMITMENT RECEIVABLES
2. Others - - - - 6. NPL net 0.22% 0.28% 1. Unused Financing facilities - -
b. Current year 756,602 3,179,335 756,602 3,179,335
7. Return on Assets (ROA) before tax 1.60% 1.88% 2. Outstanding purchase position of spot and forward - -
c. Dividend paid -/- (1,112,767) (1,226,385) (1,112,767) (1,226,385) 8. Return on Assets (ROA) after tax 1.35% 1.64% 3. Others - -
TOTAL EQUITY ATTRIBUTABLE TO EQUITY
CAPITAL ADEQUACY RATIO (CAR) 9. Return on Equity (ROE) 8.28% 9.67%
II. COMMITMENT PAYABLES
1. Unused Financing facilities 2,838,977 4,740,607
AS OF 31 MARCH 2025 AND 2024
HOLDERS OF THE PARENT ENTITY 50,747,824 51,067,632 50,747,824 51,067,632 10. Net Interest Margin (NIM) 4.55% 4.89% 2. Outstanding sales position of spot and forward - -
(In million Rupiah) 3. Others - 5,746
11. Net Interest Margin (NIM) including third party premium expenses 4.40% 4.73%
TOTAL EQUITY 50,747,824 51,067,632 50,747,824 51,067,632 III. CONTINGENT RECEIVABLES
31 Mar 2025 31 Mar 2024 12. Operating expenses to operating income (BOPO) 80.81% 78.74% 1. Guarantees received - -
CAPITAL COMPONENT 13. Cost to Income Ratio (CIR) 54.33% 51.87% 2. Margin receivables on non performing assets 3,141 3,422
TOTAL LIABILITIES AND EQUITY 231,057,670 221,764,160 250,795,012 242,334,540 Individual Consolidated Individual Consolidated
14. Loan to Deposit Ratio (LDR) 100.79% 97.57% 3. Others - -
*) Include Allowance for Impairment Losses on Leased Receivables I Core Capital (Tier 1) 36,444,302 46,163,266 34,374,081 43,813,465 IV. CONTINGENT PAYABLES
1. Main Core Capital (CET 1) 36,444,302 46,163,266 34,374,081 43,813,465 Compliance 1. Guarantees issued 9,439 38,306
1.1 Paid-up Capital (After deducted with Treasury Stock) 5,995,577 5,995,577 5,995,577 5,995,577 2. Others - -
STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME 1.2 Disclosed reserves 44,820,551 44,820,551 42,867,579 42,867,579
1. a. Percentage violation on Legal Lending Limit
i. Related parties 0.00% 0.00%
FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2025 AND 2024 1.2.1 Addition Factor
1.2.1.1 Other comprehensive income
44,995,187 44,995,187 43,025,556 43,025,556
46,411 46,411 68,677 68,677 ii. Third parties 0.00% 0.00%
FINANCIAL RATIO
(In million Rupiah, except earning per share) AS OF 31 MARCH 2025 AND 2024
1.2.1.1.1 Surplus from foreign currency translation - - - - b. Percentage lending in excess of Legal Lending Limit
INDIVIDUAL CONSOLIDATED 1.2.1.1.2 Potential gain from increase in fair value of financial assets i. Related parties 0.00% 0.00% NO. ACCOUNTS 31 Mar 2025 31 Mar 2024
NO. ACCOUNTS measured at fair value through other comprehensive income 46,411 46,411 68,677 68,677
31 Mar 2025 31 Mar 2024 31 Mar 2025 31 Mar 2024 1.2.1.1.3 Surplus of fixed assets revaluation - - - - ii. Third parties 0.00% 0.00% 1. Total Sharia Business Unit (UUS) assets to total Conventional Bank asset which owned UUS 6.24% 6.87%
1.2.1.2 Other Disclosed Reserves 44,948,776 44,948,776 42,956,879 42,956,879 2. Statutory Reserve Requirements (GWM) 2. Non-performing earning assets to total productive assets 1.83% 1.85%
INCOME AND EXPENSES FROM OPERATIONS 1.2.1.2.1 Agio 7,985,971 7,985,971 7,985,971 7,985,971 a. GWM primary IDR 3. Allowance for impairment losses for financial asset to productive asset 3.36% 3.67%
1.2.1.2.2 General reserve 595,869 595,869 564,076 564,076 4. NPF gross 1.85% 1.87%
A. Interest Income and Expenses 1.2.1.2.3 Prior years profit 35,610,334 35,610,334 33,575,586 33,575,586 i. Daily 0.00% 0.00%
5. NPF net 1.18% 1.08%
1. Interest Income 3,829,409 3,512,328 5,745,969 5,525,326 1.2.1.2.4 Current year profit 756,602 756,602 831,246 831,246 ii. Average 5.09% 7.04% 6. Return On Assets (ROA) 1.42% 1.03%
1.2.1.2.5 Paid up capital fund - - - - b. GWM foreign currency (daily) 2.00% 2.00% 7. Profit sharing financing to total financing 47.44% 44.02%
2. Interest Expense -/- 1,509,233 1,260,615 1,808,590 1,533,338 1.2.1.2.6 Others - - - - 8. Financing to Deposit Ratio (FDR) 155.28% 171.46%
1.2.2 Deduction Factor (174,636) (174,636) (157,977) (157,977) 3. Net Open Position 2.02% 1.62%
Net Interest Income ( Expense ) 2,320,176 2,251,713 3,937,379 3,991,988 1.2.2.1 Other comprehensive income (116,205) (116,205) (63,623) (63,623)
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
1. Gain (loss) from increase (decrease) in fair value measured at fair value through other comprehensive income (116,205) (116,205) (63,623) (63,623) CONSOLIDATED STATEMENTS OF CASH FLOWS TABLE OF MARGIN DISTRIBUTIONS
1.2.2.2 Other Disclosed Reserves (58,431) (58,431) (94,354) (94,354) FOR THE MONTH OF MARCH 2025
of financial assets (112,957) (38,569) (112,957) (38,569) 1.2.2.2.1 Disagio - - - - FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2025 AND 2024
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 - - - -
of financial liabilities - - - - 1.2.2.2.4 Negative differences between regulatory provision and allowance 31 Mar 2025 31 Mar 2024 Net Revenue Sharing
3. Gain (loss) from sale of financial assets 111,951 71,698 111,951 71,698 for impairment on productive assets - - - -
1.2.2.2.5 Negative difference on fair value adjustment of financial instrument Cash flows from operating activities: Depositor’s portion
4. Gain (loss) from spot and derivative transaction (realised) 198,988 102,863 198,988 102,863 in trading book - - - - Interest income, fees and commissions 3,024,270 1,236,377 Average Revenue to be
1.2.2.2.6 Required regulatory provision for non-productive assets (58,431) (58,431) (94,354) (94,354) Nisbah Total bonus Rate of return
5. Gain (loss) from investment under equity method 255,480 401,337 4,286 3,492 1.2.2.2.7 Others - - - - Receipts from consumer financing transactions 12,063,583 10,979,234 Type of funding balance distributed & profit indication
(%) sharing (%)
6. Gain (loss) from foreign currencies translation (79) 22,142 (83) 22,286 1.3 Non-controlling interest - - - - Payments for new consumer financing transactions (7,808,911) (12,164,675)
1.4 Deduction factor to core capital (14,371,826) (4,652,862) (14,489,075) (5,049,691) Payments of interest, fees and commissions (1,848,104) (1,538,260) A B C D E
7. Dividend income - 2,793 - 2,793 1.4.1 Deffered tax calculation (1,418,388) (1,762,631) (1,974,187) (2,253,239)
8. Fees/commissions and administrative income 391,093 393,566 561,991 572,371 1.4.2 Goodwill - (1,074,532) - (1,074,532) Payments of interests on securities issued (132,730) (104,536) 1. Liabilities to other bank - - - - -
1.4.3 Intangible assets (551,081) (872,200) (622,274) (771,813) Proceeds in relation to joint financing 3,535,953 5,098,231 2. Mudharabah current account
9. Other income 140,848 127,289 348,099 329,710 1.4.4 Investment calculated as deduction factor (12,402,357) (943,499) (11,892,614) (950,107) Repayment in relation to joint financing (3,722,368) (3,647,030) a. Bank 154,585 1,317 10 132 1.02
10. Addition (reversal) of Impairment losses on financial 1.4.5 Short of capital on insurance subsidiary company - - - -
1.4.6 Capital securitisation exposure - - - - Other operating income 704,534 249,661 b. Non Bank 948,460 8,077 19 1,517 1.92
assets -/- 585,489 628,169 1,056,884 1,216,650 1.4.7 Other deduction factor to core capital - - - - Gains from foreign exchange transactions - net 186,888 388,525 3. Mudharabah saving account
11. Losses related to operational risk -/- 195 937 226 1,011 2. Additional Core Capital (AT-1) - - - - Other operating expenses (2,965,969) (2,985,442)
2.1 Instrument that qualified for AT-1 - - - - a. Bank 124,872 1,063 13 138 1.33
12. Salaries and employee benefits -/- 970,753 956,967 1,611,315 1,507,490 2.2 Agio/Disagio - - - - Non-operating expense - net (14,327) (14,422) b. Non Bank 991,958 8,448 7 585 0.71
13. Promotion expenses -/- 53,945 65,936 195,846 161,949 2.3 Deduction factor of Additional Core Capital - - - - Cash flows before changes in operating assets and liabilities 3,022,819 (2,502,337) 4. Mudharabah time deposit
II Supplementary Capital (Tier 2) 1,795,366 1,908,585 1,648,953 1,774,101 a. Bank
14. Other expenses -/- 770,947 705,797 1,174,032 1,054,392 1 Capital instrument in form of shares and others which is qualified for Tier 2 18,333 18,333 23,333 23,333 Changes in operating assets and liabilities: - 1 month 38,644 329 25 82 2.55
Operating Income (Expenses) other than Interest (1,396,005) (1,274,687) (2,926,028) (2,874,848) 2 Agio/Disagio - - - -
3 General reserves of regulatory provision on productive assets (max. 1.25% of RWA Credit Risk) 1,777,033 1,890,252 1,625,620 1,750,768 Decrease/(increase) in operating assets: - 3 months 36,798 313 25 78 2.54
OPERATING INCOME (LOSS) 924,171 977,026 1,011,351 1,117,140 4 Deduction factor of Supplementary Capital - - - - Marketable securities and Government Bonds - trading (861,530) (1,107,675) - 6 months - - - - -
Total Capital 38,239,668 48,071,851 36,023,034 45,587,566 Securities purchased under resale agreements (1,671,140) 1,356,468 - 12 months 22,007 187 25 47 2.56
NON OPERATING INCOME AND EXPENSES Loans (5,563,219) (1,758,268) b. Non Bank
31 Mar 2025 31 Mar 2024 Description
31 Mar 2025 31 Mar 2024
DESCRIPTION Prepayments and other assets (622,234) 462,324
1. Gain (loss) from sale of fixed assets and equipment (595) 479 (451) 567 Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated - 1 month 1,919,504 16,347 25 4,087 2.56
2. Other non operating income (expenses) (23,644) (23,073) (14,988) (14,424) Increase/(decrease) in operating liabilities: - 3 months 1,933,820 16,469 25 4,117 2.55
RISK WEIGHTED ASSETS CAR RATIO Deposits from customers:
NON OPERATING INCOME (LOSS) (24,239) (22,594) (15,439) (13,857) - 6 months 918,414 7,822 25 1,955 2.55
RWA CREDIT RISK 149,299,652 174,630,785 132,994,090 159,020,073 CET 1 Ratio (%) 22.32% 24.23% 23.45% 25.12% - Current accounts (1,199,456) (3,688,066) - 12 months 457,029 3,892 25 973 2.55
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 899,932 954,432 995,912 1,103,283 RWA MARKET RISK 2,990,428 3,291,400 3,305,273 3,447,197 Tier 1 Ratio (%) 22.32% 24.23% 23.45% 25.12% - Savings 1,448,398 57,328 5. Financing received - - - - -
Income tax RWA OPERATIONAL RISK 10,958,852 12,631,842 10,256,117 11,968,282 Tier 2 Ratio (%) 1.10% 1.00% 1.13% 1.02% - Time deposits (2,221,775) 5,638,559
a. Current year tax expenses -/- - 7,067 17,925 42,133 TOTAL RWA 163,248,932 190,554,027 146,555,480 174,435,552 Total Ratio (%) 23.42% 25.23% 24.58% 26.14% Deposits from other Banks 1,500,034 (329,913) Total 7,546,091 64,264
Accruals and other liabilities 473,793 (380,678)
b. Deferred tax income (expenses) (143,330) (116,119) (199,298) (195,638) CAR RATIO ACCORDING 9.00% 9.00% 9.00% 9.00% CET 1 FOR 14.42% 16.23% 15.58% 17.14% Income tax paid during the period (151,577) (42,389) Average balance Revenue received
TOTAL NET PROFIT (LOSS) DURING PERIOD 756,602 831,246 778,689 865,512 TO RISK PROFILE (%) BUFFER (%) Type of financing
CAR ALOCATION ACCORDING BUFFER 3.50% 3.50% 3.50% 3.50% Net cash used by operating activities (5,845,887) (2,294,647) A B
OTHER COMPREHENSIVE INCOME
TO RISK PROFILE PERCENTAGE Cash flows from investing activities:
1. Items that will not be reclassified to profit or loss REQUIREMENT (%) 1. Placements at other banks - -
Proceeds from sales of and matured marketable securities and Government
a. Gain from fixed asset revaluation - - - - 2. Murabahah receivables
From CET1 (%) 7.90% 8.00% 7.87% 7.98% Capital 2.50% 2.50% 2.50% 2.50% Bonds - amortized cost and fair value through other comprehensive income 13,142,047 3,631,292
a. Bank - -
b. Gain (loss) from remeasurement on defined Conservation Acquisition of marketable securities and Government Bonds - amortized cost b. Non Bank 7,457,084 66,019
benefit pension program (1,355) - (1,472) - Buffer (%) and fair value through other comprehensive income (11,374,245) (7,796,043) 3. Istishna receivables
c. Others (12,163) 34 (12,502) 34 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 (146,468) (236,729) a. Bank - -
Buffer (%) Proceeds from sale of fixed assets 2,287 1,154 b. Non Bank - -
2. Items that will be reclassified to profit or loss From Tier 2 (%) 1.10% 1.00% 1.13% 1.02% Capital Surcharge 1.00% 1.00% 1.00% 1.00% Receipt from investment 414 11,871 4. Multipurpose receivables
a. Gain (loss) from adjustment on translation for Systemic a. Bank - -
Acquisition of investment in associate - (876,139)
of financial statements - - - - Bank (%) b. Non Bank - -
Acquisition of investment in shares - (4,208)
b. Gain (loss) from changes in fair value of financial 5. Pawn financing
STATEMENT OF SPOT AND DERIVATIVE TRANSACTION Receipt of cash dividends - 2,793 a. Bank - -
assets measured at fair value through AS OF 31 MARCH 2025 b. Non Bank - -
Net cash provided from/(used by) Investing activities 1,624,035 (5,266,009)
other comprehensive income 54,645 (5,832) 54,645 (5,832) (In million Rupiah) 6. Mudharabah financing
c. Others (4,770) (11,768) (5,181) (12,783) INDIVIDUAL Cash flows from financing activities: a. Bank 97,476 670
Purpose Derivative Receivable and Liabilities Payments of principal on secutities sold (71,309,205) - b. Non Bank 1,617,887 9,089
NO. TRANSACTION
Other Comprehensive Income Net Of Tax 36,357 (17,566) 35,490 (18,581) Notional Amount Proceeds from securities sold under repurchase agreement 78,784,006 - 7. Musyarakah financing
Trading Hedging Receivables Liabilities a. Bank - -
Payments of principal on bonds issued and mudharabah bonds (879,000) (360,000)
TOTAL CURRENT PERIOD PROFIT (LOSS) A. Related to exchange rate b. Non Bank 3,546,925 10,706
Proceeds from bonds issuance mudharabah bonds 2,071,343 - 8. Lease financing
AND COMPREHENSIVE INCOME 792,959 813,680 814,179 846,931 1. Spot 7,005,981 7,005,981 - 2,012 9,443 Repayment of borrowings (2,859,048) (4,741,096)
2. Forward 16,286,401 16,286,401 - 103,292 38,667 a. Bank - -
Current Period Profit (Loss) attributable to: 3. Option Proceeds from borrowings 851,500 7,866,240 b. Non Bank 893,150 6,105
a. Purchased 307,531 307,531 - 220 304,029 Decrease in principal of lease liabilities (52,746) (21,385) 9. Other financing
Equity holders of the parent entity 756,602 831,246 756,602 831,246 a. Bank - -
b. Written 195,053 195,053 - - 1,046 Net cash provided from financing activities 6,606,850 2,743,759
Non-controlling interests - - 22,087 34,266 4. Future - - - - - b. Non Bank 555 -
TOTAL CURRENT PERIOD PROFIT (LOSS) 756,602 831,246 778,689 865,512 5. Swap 49,703,567 49,703,567 - 146,452 301,353 Increase/(decrease) in cash and cash equivalents - net 2,384,998 (4,816,897) Total 13,613,077 92,589
6. Others 1,653,064 1,653,064 - - 97,901
Total Current Period Profit (Loss) and Comprehensive B. Related to interest rate Net effect on changes in exchange rates on cash and cash equivalent 37,041 3,942
1. Forward - - - - - Cash and cash equivalents at beginning of the period 14,937,418 18,562,802 Notes:
Income attributable to:
2. Option *) Total of Murabahah and Multijasa financing exclude margin to be received of Rp 1,300,234 million and Rp 1,383,811
Equity holders of the parent entity 792,959 813,680 792,959 813,680 Cash and cash equivalents at end of the period 17,359,457 13,749,847
a. Purchased - - - - - million as of 31 March 2025 and 31 December 2024.
Non-controlling interests - - 21,220 33,251 b. Written - - - - -
3. Future - - - - - Cash and cash equivalents consist of:
TOTAL CURRENT PERIOD PROFIT (LOSS) 4. Swap - - - - - Cash 3,137,804 2,306,903 Jakarta, 29 April 2025
AND COMPREHENSIVE INCOME 792,959 813,680 814,179 846,931 5. Others - - - - - Current accounts with Bank Indonesia 9,305,154 4,819,768 Sharia Business Unit
C. Others 2,625,187 2,625,187 - 41,095 34,265 Current accounts with other Banks 1,506,314 2,353,094
DIVIDEND (1,112,767) (1,226,358) (1,112,767) (1,226,358) Placements with other Banks and Bank Indonesia - maturing within 3 months
TOTAL 77,776,784 77,776,784 - 293,071 786,704
BASIC EARNINGS PER SHARE (in rupiah unit) 77.41 85.05 77.41 85.05 from the date of acquisition 3,410,185 4,270,082
Market value represents total notional amount buy and sell position at gross basis.
A notional amount is a number of currency units specified in the contract. Total cash and cash equivalents 17,359,457 13,749,847
Derivative receivables/liabilities represent the settlement value of a derivative instrument on balances sheet date.
Prof. Dr. H. M. Din Syamsuddin Herry Hykmanto
ALLOWANCE FOR IMPAIRMENT LOSSES BANK MANAGEMENT Sharia Supervisory Board Director
AS OF 31 MARCH 2025 AND 2024 AS OF 31 MARCH 2025
(In million Rupiah)
BOARD OF COMMISSIONERS Notes:
31 Mar 2025 31 Mar 2024 President Commissioner : Yasushi Itagaki
1. The financial information as of 31 March 2025 and for the three-month period then ended, was derived from the consolidated
No ACCOUNTS Impairment Loss Allowance Minimum Required Regulatory Impairment Loss Allowance Minimum Required Regulatory Vice President Commissioner (Independent) : Halim Alamsyah
Commissioner : Nobuya Kawasaki financial statements of PT Bank Danamon Indonesia Tbk. (Bank) and subsidiary, prepared by the Bank’s management in
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific Commissioner : Dan Harsono
accordance with Indonesian Financial Accounting Standards. The above consolidated financial information was derived from the
Independent Commissioner : Peter Benyamin Stok
1. Placements at other banks 113 - - 12,832 - 300 - - 42,543 - consolidated financial statements; therefore, the consolidated financial information does not represent a complete presentation
Independent Commissioner : Hedy Maria Helena Lapian
2. Spot and derivative receivables - - - 2,931 - - - - 2,259 -
3. Marketable securities 8,387 - 106,496 39,967 - 1,873 - 301,213 24,746 - of the consolidated financial statements.
BOARD OF DIRECTORS
4. Securities sold under repurchase agreements (repo) - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) - - - 34,569 - - - - 6,083 - President Director : Daisuke Ejima The above published report are presented in order to comply with Regulation of Financial Service Authority (“POJK”)
6. Acceptance receivables 5,156 - - 10,841 36 1,676 37 - 12,868 106 Vice President Director : Honggo Widjojo Kangmasto
No.37/POJK.03/2019 dated 20 December 2019 regarding “Transparency and Publication of Bank”, and the Circular Letter of
7. Loans and financing 1,883,065 874,618 4,811,540 1,460,878 1,822,983 1,910,933 1,008,429 4,598,409 1,339,005 1,963,669 Director : Herry Hykmanto
8. Investments - - - 124,735 - - - - 119,723 - Director : Rita Mirasari Financial Service Authority (“SEOJK”) No.09/SEOJK.03/2020 dated 30 June 2020 regarding “Transparency and Publication
9. Other receivables 1,242 - - 7,877 - 667 - - 4,128 - Director : Dadi Budiana of Conventional Bank”, POJK No.14/POJK.04/2022 dated 22 August 2022 regarding “Financial Statements Presentation and
10. Commitment and Contingency 145,094 2,420 70 82,403 15,372 116,341 3,244 49 74,265 12,381 Director : Thomas Sudarma
Disclosure of Issuer or Public Companies”, and the Decree of Chairman of Capital Market and Financial Institution Supervisory
Director : Jin Yoshida
Board (“Bapepam-LK”) No. KEP 347/BL/2012 dated 25 June 2012 No. VIII.G.7. regarding “Financial Statements Presentation
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY Director : Yenny Siswanto*
and Disclosure of Issuer or Public Companies”.
FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2025 AND 2024 * The appointment of Mrs. Yenny Siswanto based on resolution of AGMS dated 21 March 2025 and will be effective after passing
(In million Rupiah) Attributable to equity holders of the parent entity the fit and proper test from Financial Services Authority (OJK).
2. MUFG Bank, Ltd. is wholly-owned subsidiary of Mitsubishi UFJ Financial Group, Inc. which is based in Japan.
Other equity components Retained earnings SHARIA SUPERVISORY BOARD 3. Exchange rate as of 31 March 2025: USD 1 = Rp16,560.00; Exchange rate as of 31 December 2024: USD 1 = Rp16,095.00;
Additional Other Changes in fair value on Total before Non- AS OF 31 MARCH 2025
Share Changes of Marketable securities, Government Changes in fair value controlling Total
paid-up paid-up non-controlling Exchange rate as of 31 March 2024: USD 1 = Rp15,855.00.
capital capital capital associate Bonds, and Investments in shares of cashflow hedge-net Appropriated Unappropriated*) interest interest Equity
1. Chairman : Prof. Dr. H. M. Din Syamsuddin, MA
equity measured at fair value through
other comprehensive income - net
Balance as of 1 January 2025 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
2. Member : Prof. Dr. Hasanudin, M. Ag.
Thank You for Your Vote of Confidence
3. Member : Dr. Asep Supyadillah, M.Ag.
Net income for the period - - - - - - - 756,602 756,602 22,087 778,689
Other Comprehensive Income, net of tax
SHARE OWNERSHIP OF BANK
Changes in fair value of cashflow hedge-net
Remeasurement of obligation for post-employment-benefits
-
-
-
-
-
-
-
-
-
-
(4,770)
-
-
-
-
(1,355)
(4,770)
(1,355)
(411)
(117)
(5,181)
(1,472) AS OF 31 MARCH 2025 Indonesia Syariah Excellent Awards 2025
Changes in fair value on Marketable securities, Government Bonds,
and Investments in shares measured at fair value through
other comprehensive income - net - - - - 42,482 - - - 42,482 (339) 42,143
1. MUFG Bank, Ltd. (direct and indirect) 92.47% by The Iconomics.
2. Public 7.53%
Total other comprehensive income - - - - 42,482 (4,770) - (1,355) 36,357 (867) 35,490
Total 100.00%
Category : Top Syariah Business Unit - Bank
Total comprehensive income for the period - - - - 42,482 (4,770) - 755,247 792,959 21,220 814,179
Appropriation for general and legal reserve - - - - - - 31,793 (31,793) - - -
Distribution of cash dividends - - - - - - - (1,112,767) (1,112,767) (55,748) (1,168,515)
Balance as of 31 March 2025 5,995,577 7,985,971 189 8,242 (69,795) (15,239) 595,680 36,247,199 50,747,824 723,397 51,471,221 Jakarta, 29 April 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 Board of Directors 8th Infobank Satisfaction, Loyalty, Engagement Awards 2025
Net income for the period
Other comprehensive income, net of tax
- - - - - - - 831,246 831,246 34,266 865,512
by Infobank. Category : Best Bank (KBMI 3) for Satisfaction, Loyalty
Changes in fair value of cashflow hedge-net - - - - - (11,768) - - (11,768) (1,015) (12,783)
Remeasurement of obligation for post-employment-benefits
Changes in fair value on Marketable securities, Government Bonds,
- - - - - - - 34 34 - 34 and Engagement Index
and Investments in shares measured at fair value through
other comprehensive income - net - - - - (5,832) - - - (5,832) - (5,832)
Total other comprehensive income - - - - (5,832) (11,768) - 34 (17,566) (1,015) (18,581)
Total comprehensive income for the period - - - - (5,832) (11,768) - 831,280 813,680 33,251 846,931 14th Infobank – Insentia Digital Brand Appreciation 2025
Daisuke Ejima Dadi Budiana
Appropriation for general and legal reserve
Distribution of cash dividends
-
-
-
-
-
-
-
-
-
-
-
-
35,039
-
(35,039)
(1,226,358)
-
(1,226,358)
-
(77,080)
-
(1,303,438) by Infobank. Category : 2nd Best Bank (KBMI 3) for General
President Director Director
Balance as of 31 March 2024 5,995,577 7,985,971 189 8,242 5,054 (12,457) 563,887 34,277,476 48,823,939 678,922 49,502,861 Conventional Bank
*) 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
org
Financial Services Authority
p.1
unresolved
person
Prof. Dr. Hasanudin
p.1
unresolved
person
Dr. Asep Supyadillah
p.1
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