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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 2024 AND 31 DECEMBER 2023
(In million Rupiah)
AS OF 30 SEPTEMBER 2024 AND 2023
(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 2024 31 Dec 2023 30 Sep 2024 31 Dec 2023 NO. ACCOUNTS 30 Sep 2024 30 Sep 2023 Otoritas Jasa Keuangan No. 10/SEOJK.03/2020 dated 1 July 2020 regarding
ASSETS Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total Transparency and Publication Report of Sharia Bank and Sharia Business Unit.
1. Cash 1,712,835 2,233,846 1,917,390 2,362,221 I. RELATED PARTIES
2. Placements with Bank Indonesia 7,853,736 14,066,295 7,853,736 14,066,295 1. Placements at other banks STATEMENT OF FINANCIAL POSITION
a. Rupiah - - - - - - - - - - - - AS OF 30 SEPTEMBER 2024 AND 31 DECEMBER 2023
3. Placements with other banks 2,002,503 1,538,845 3,420,804 2,134,286 b. Foreign currencies 181,468 - - - - 181,468 146,848 - - - - 146,848 (In million Rupiah)
4. Spot and derivative/forward receivables 869,664 270,960 874,611 271,966 2. Spot and derivative receivables
a. Rupiah 11,707 - - - - 11,707 7,554 - - - - 7,554 NO. ACCOUNTS 30 Sep 2024 31 Dec 2023
5. Marketable securities 31,363,404 19,982,660 31,355,928 19,933,727 b. Foreign currencies 7,973 - - - - 7,973 5,020 - - - - 5,020
3. Marketable securities ASSETS
6. Securities sold under repurchase agreements (repo) 2,465,276 - 2,465,276 -
a. Rupiah 107,928 - - - - 107,928 147,673 - - - - 147,673 1. Cash 25,038 17,680
7. Securities purchased under resale agreements b. Foreign currencies 45,420 - - - - 45,420 15,455 - - - - 15,455 2. Placements at Bank Indonesia 1,394,878 1,316,008
(reverse repo) 511,891 2,384,446 511,891 2,384,446 4. Securities sold under repurchase agreements (repo) 3. Placements at other banks - -
a. Rupiah - - - - - - - - - - - - 4. Marketable securities - -
8. Acceptance receivables 1,408,190 1,540,622 1,408,190 1,540,622 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) 5. Financing receivables *) 6,451,346 6,539,728
9. Loans 141,084,992 133,460,223 140,890,548 132,468,140 6. Profit sharing financing 5,615,619 4,055,954
a. Rupiah - - - - - - - - - - - -
10. Sharia financing 12,822,246 11,182,741 12,822,246 11,182,741 b. Foreign currencies - - - - - - - - - - - - 7. Leased financing 755,281 587,060
11. Consumer financing receivables - - 27,635,714 27,763,390 6. Acceptance receivables 353,952 - - - - 353,952 214,322 - - - - 214,322 8. Other earning asset 83,544 83,575
7. Loans and financing 9. Allowance for impairment losses on earning asset (-/-) (445,494) (427,824)
Allowance for impairment losses on consumer financing a. Micro, small and medium debtor
10. Fixed assets and equipment 6,985 7,319
receivables -/- - - (1,580,600) (1,562,698) i. Rupiah - - - - - - 1,260 - - - - 1,260
11. Non earning asset 1,161 -
ii. Foreign currencies - - - - - - - - - - - -
12. Investments 12,627,870 12,489,563 2,354,422 1,424,571 b. Non micro, small and medium debtor 12. Other assets 13,583 344,697
13. Other financial assets 1,788,257 1,598,651 1,892,938 1,699,312 i. Rupiah 1,316,345 56 - - - 1,316,401 1,510,650 17 - - - 1,510,667
TOTAL ASSETS 13,901,941 12,524,197
ii. Foreign currencies 162,477 - - - - 162,477 - - - - - -
14. Allowance for impairment losses on financial assets -/- c. Restructured Loans
LIABILITIES
a. Marketable securities (257,788) (354,649) (257,788) (354,649) i. Rupiah - - - - - - - - - - - -
1. Wadiah saving 563,489 1,009,962
ii. Foreign currencies - - - - - - - - - - - -
b. Loans and Sharia financing *) (7,548,353) (7,337,274) (7,622,793) (7,398,044) 8. Investments 12,540,982 - - - - 12,540,982 11,909,251 - - - - 11,909,251 2. Non profit sharing investment funds 7,079,348 7,247,892
c. Others (4,748) (3,865) (4,748) (3,865) 9. Other receivables - - - - - - - - - - - - 3. Liabilities to Bank Indonesia - -
10. Commitments and contingencies 4. Liabilities to other banks 422,958 583,772
15. Intangible assets 2,714,266 2,555,396 5,316,548 5,021,020 a. Rupiah 646,912 38 - - - 646,950 295,581 83 - - - 295,664 5. Marketable securities issued - -
Accumulated amortisation on intangible assets -/- (2,094,792) (1,936,102) (3,400,641) (3,206,535) b. Foreign currencies 240,912 - - - - 240,912 307,996 - - - - 307,996
6. Other liabilities 51,813 43,439
16. Fixed assets and equipment 4,153,965 4,371,579 5,534,463 5,702,510 II. NON RELATED PARTIES 7. Profit sharing investment funds - -
1. Placements at other banks 8. Working funds 5,727,664 3,475,344
Accumulated depreciation of fixed assets and equipment -/- (2,387,982) (2,693,728) (3,257,646) (3,541,931) a. Rupiah 270,574 - - - - 270,574 2,122,980 - - - - 2,122,980 9. Retained earnings 56,669 163,788
17. Non earning asset b. Foreign currencies 1,550,461 - - - - 1,550,461 1,290,313 - - - - 1,290,313
a. Idle properties 64,957 66,100 64,957 66,100 2. Spot and derivative receivables TOTAL LIABILITIES 13,901,941 12,524,197
a. Rupiah 795,941 - - - - 795,941 420,779 - - - - 420,779
b. Foreclosed assets 427,248 477,276 427,248 477,276 b. Foreign currencies 54,043 - - - - 54,043 13,363 - - - - 13,363
c. Suspense accounts - - - - 3. Marketable securities STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME
a. Rupiah 26,696,104 - - - - 26,696,104 16,464,599 - - 82,960 - 16,547,559 FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2024 AND 2023
d. Interbranch assets - - - - b. Foreign currencies 4,513,952 - - - - 4,513,952 2,057,986 - - - - 2,057,986 (In million Rupiah)
18. Leased receivables - - 2,080,258 1,505,070 4. Securities sold under repurchase agreements (repo)
a. Rupiah 2,465,276 - - - - 2,465,276 - - - - - - NO. ACCOUNTS 30 Sep 2024 30 Sep 2023
19. Other assets 7,043,840 6,677,341 7,680,725 7,368,561 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) OPERATING INCOME AND EXPENSE
TOTAL ASSETS 218,621,477 202,570,926 240,383,677 221,304,532 a. Rupiah 511,891 - - - - 511,891 2,527,518 - - - - 2,527,518 A. Operational Income dan Expense from distribution of fund
b. Foreign currencies - - - - - - - - - - - -
LIABILITIES AND EQUITY 6. Acceptance receivables 1,054,238 - - - - 1,054,238 1,161,246 1,433 - - - 1,162,679 1. Income from Distribution of Fund
7. Loans and financing a. Income from receivables 621,719 515,390
LIABILITIES a. Micro, small and medium debtor
i. Rupiah 18,863,868 2,528,042 86,114 133,627 741,039 22,352,690 19,482,811 2,173,450 129,205 215,498 1,003,042 23,004,006 b. Income from profit sharing 243,353 239,080
1. Current accounts 26,676,528 34,390,610 25,732,032 33,579,946
ii. Foreign currencies 81,512 - - - 2,494 84,006 78,209 - - - 6,156 84,365 c. Leased income 37,098 24,590
2. Savings 37,846,421 38,169,135 37,846,421 38,169,135 b. Non micro, small and medium debtor d. Others 4,013 3,745
3. Time deposits 82,863,410 66,662,731 82,863,410 66,662,731 i. Rupiah 107,034,570 5,838,566 267,525 511,999 1,238,389 114,891,049 95,106,544 5,175,722 297,078 377,496 1,131,733 102,088,573
ii. Foreign currencies 14,887,749 212,866 - - - 15,100,615 10,012,492 241,866 - - - 10,254,358
2. Margin distribution to owners of investment funds -/-
4. E-money - - - - c. Restructured Loans a. Non Profit sharing 251,874 161,750
5. Loans from Bank Indonesia - - - - i. Rupiah 2,941,651 1,070,805 64,853 200,688 1,145,973 5,423,970 4,427,351 1,348,760 193,023 151,466 1,666,684 7,787,284 b. Profit sharing - -
ii. Foreign currencies 23,576 212,866 - - 2,494 238,936 53,308 241,866 - - 6,156 301,330 3. Income after margin distribution 654,309 621,055
6. Borrowings from other banks 7,065,259 3,031,690 7,065,259 3,031,690 8. Investments 86,888 - - - - 86,888 87,337 - - - - 87,337
7. Spot and derivative/forward liabilities 782,012 325,956 1,051,956 325,956 9. Other receivables 724,501 - - - - 724,501 468,546 - - - - 468,546 B. Other Operating Income and Expenses Except Fund Distribution
10. Commitments and contingencies
8. Securities sold under repurchase agreements (repo) 2,925,952 - 2,925,952 - a. Rupiah 98,067,194 289,539 - - 300 98,357,033 70,761,382 211,089 - - - 70,972,471 1. Gain (loss) on foreign currencies translation 14 (34)
9. Acceptance payables 1,408,190 1,540,622 1,408,190 1,540,622 b. Foreign currencies 14,688,649 3,755 - - - 14,692,404 15,206,424 3,839 - - - 15,210,263
2. Income as mudharib in mudharabah muqayyadah - -
10. Marketable securities issued - - 6,480,922 6,694,456 III. OTHERS INFORMATION 3. Commision/Provision/Fees and administrative 4,412 3,205
11. Borrowings 25,000 25,000 12,504,272 8,345,889 1. Collateralised assets 4. Other income 23,236 17,407
a. To Bank Indonesia - - 5. Wadiah bonus expense -/- 15,501 7,139
12. Security deposits 8,010 8,356 8,010 8,356 b. To other parties - -
6. Addition (reversal) of impairment losses on financial assets -/- 469,361 320,881
13. Interbranch liabilities - - - - 2. Foreclosed assets 427,247 504,097
7. Losses on operational risk -/- 1 13
14. Other liabilities 8,512,952 9,180,209 11,257,259 12,986,383 8. Addition (reversal) of impairment losses on other asset (non financial) -/- - (13,000)
15. Minority interest - - 732,251 722,751 STATEMENTS OF COMMITMENTS AND CONTINGENCIES 9. Salaries and employee benefits -/- 64,798 55,871
AS OF 30 SEPTEMBER 2024 AND 31 DECEMBER 2023
KEY FINANCIAL RATIOS 10. Other expenses -/- 54,155 44,438
TOTAL LIABILITIES 168,113,734 153,334,309 189,875,934 172,067,915 AS OF 30 SEPTEMBER 2024 AND 2023
(In million Rupiah) Other Operating Income (Expense) (576,154) (394,764)
INDIVIDUAL CONSOLIDATED NO. RATIOS (%) 30 Sep 2024 30 Sep 2023
EQUITY NO. ACCOUNTS OPERATING INCOME (LOSS) 78,155 226,291
16. Issued and fully paid capital 30 Sep 2024 31 Dec 2023 30 Sep 2024 31 Dec 2023 CONSOLIDATED RATIOS: NON OPERATING INCOME AND EXPENSE
a. Authorized capital 10,000,000 10,000,000 10,000,000 10,000,000 I. COMMITMENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 26.14% 28.43%
2. Non-performing earning assets and non productive assets to total earnings
1. Gain (loss) from sale of premisses and equipment 28 2
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) (5,318) (16,672)
and non productive assets 1.12% 1.45%
c. Treasury stock -/- - - - - 2. Outstanding buying of spot and derivative/forward NON OPERATING INCOME (LOSS) (5,290) (16,670)
contract 33,955,121 23,725,241 33,955,121 23,725,241 3. Non-performing earning assets to total productive assets 1.05% 1.35%
17. Additional paid-up capital 4. Allowance for impairment losses for financial asset to productive asset 4.18% 4.75% INCOME (LOSS) DURING PERIOD BEFORE TAX 72,865 209,621
3. Others - - - -
a. Agio 7,985,971 7,985,971 7,985,971 7,985,971 5. NPL gross 2.05% 2.37% Income tax -/- 16,196 (10,718)
II. COMMITMENT PAYABLES 6. NPL net 0.37% 0.26% INCOME (LOSS) DURING PERIOD NET OF TAX 56,669 220,339
b. Disagio -/- - - - -
1. Unused loans facilities granted to debtors 7. Return on Assets (ROA) before tax 1.79% 2.24% OTHER COMPREHENSIVE INCOME
c. Capital paid in advance - - - - a. Commited 3,783,220 4,922,801 3,783,220 4,922,801 8. Return on Assets (ROA) after tax 1.35% 1.68%
d. Others 8,242 8,242 8,242 8,242 b. Uncommitted 101,741,018 85,440,143 101,741,018 85,440,143 9. Return on Equity (ROE) 6.98% 8.15% 1. Items that will not be reclassified to profit or loss - -
18. Other comprehensive income 2. Outstanding Irrevocable L/C 854,149 852,894 854,149 852,894 10. Net Interest Margin (NIM) including third party premium expenses 7.12% 7.74% 2. Items that will be reclassified to profit or loss - -
3. Outstanding selling of spot and derivative/forward Other Comprehensive Income Net Of Tax - -
a. Gain 46,732 167 46,732 167 contract 37,192,594 24,985,212 37,192,594 24,985,212 BANK RATIOS :
b. Loss -/- - (119,361) - (119,361) 4. Others - - - - Performance Ratio TOTAL COMPREHENSIVE INCOME DURING PERIOD 56,669 220,339
19. Reserves III. CONTINGENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 24.39% 26.27%
a. General reserves 564,076 529,037 564,076 529,037
1. Guarantees received 737,804 744,141 737,804 744,141
2. Non-performing earning assets and non productive assets to total earnings STATEMENTS OF COMMITMENTS AND CONTINGENCIES
b. Specific reserves - - - - and non productive assets 1.01% 1.34% AS OF 30 SEPTEMBER 2024 AND 31 DECEMBER 2023
2. Others - - - - 3. Non-performing earning assets to total productive assets 0.93% 1.23% (In million Rupiah)
20. Retained earnings IV. CONTINGENT PAYABLES 4. Allowance for impairment losses for financial asset to productive asset 3.79% 4.21% NO. ACCOUNTS 30 Sep 2024 31 Dec 2023
a. Previous years 34,801,945 32,488,922 34,801,945 32,488,922 5. NPL gross 2.06% 2.44%
1. Guarantees issued 7,558,912 7,448,178 7,558,912 7,448,178 I. COMMITMENT RECEIVABLES
b. Current year 2,331,585 3,503,882 2,331,585 3,503,882 2. Others - - - - 6. NPL net 0.26% 0.19% 1. Unused Financing facilities - -
c. Dividend paid -/- (1,226,385) (1,155,820) (1,226,385) (1,155,820) 7. Return on Assets (ROA) before tax 1.74% 2.11% 2. Outstanding buying of spot and forward contract - -
8. Return on Assets (ROA) after tax 1.49% 1.83% 3. Others - -
TOTAL EQUITY ATTRIBUTABLE TO EQUITY CAPITAL ADEQUACY RATIO (CAR) 9. Return on Equity (ROE) 8.96% 10.41%
II. COMMITMENT PAYABLES
1. Unused Financing facilities 4,422,524 2,538,359
AS OF 30 SEPTEMBER 2024 AND 2023
HOLDERS OF THE PARENT ENTITY 50,507,743 49,236,617 50,507,743 49,236,617 (In million Rupiah) 10. Net Interest Margin (NIM) 4.80% 5.13% 2. Outstanding selling of spot and forward contract - -
11. Net Interest Margin (NIM) including third party premium expenses 4.64% 4.98% 3. Others 3,599 -
TOTAL EQUITY 50,507,743 49,236,617 50,507,743 49,236,617 III. CONTINGENT RECEIVABLES
30 Sep 2024 30 Sep 2023 12. Operating expenses to operating income (BOPO) 80.43% 75.40% 1. Guarantees received - -
CAPITAL COMPONENT 13. Cost to Income Ratio (CIR) 54.44% 51.95% 2. Margin receivables on non performing assets 3,591 12,975
TOTAL LIABILITIES AND EQUITY 218,621,477 202,570,926 240,383,677 221,304,532 Individual Consolidated Individual Consolidated
14. Loan to Deposit Ratio (LDR) 98.42% 100.04% 3. Others - -
*) Include Allowance for Impairment Losses on Leased Receivables I Core Capital (Tier 1) 35,664,604 45,656,857 33,648,233 43,021,972 IV. CONTINGENT PAYABLES
1. Main Core Capital (CET 1) 35,664,604 45,656,857 33,648,233 43,021,972 Compliance 1. Guarantees issued 23,040 -
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 44,568,444 44,568,444 42,225,581 42,225,581
1. a. Percentage violation on Legal Lending Limit
i. Related parties 0.00% 0.00%
FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2024 AND 2023 1.2.1 Addition Factor
1.2.1.1 Other comprehensive income
44,660,162 44,660,162 42,485,516 42,485,516
202,971 202,971 76,484 76,484 ii. Third parties 0.00% 0.00%
FINANCIAL RATIO
(In million Rupiah, except earning per share) AS OF 30 SEPTEMBER 2024 AND 2023
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 2024 30 Sep 2023
INDIVIDUAL CONSOLIDATED measured at fair value through other comprehensive income 202,971 202,971 76,484 76,484 i. Related parties 0.00% 0.00%
NO. ACCOUNTS
30 Sep 2024 30 Sep 2023 30 Sep 2024 30 Sep 2023 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 6.36% 6.67%
1.2.1.2 Other Disclosed Reserves 44,457,191 44,457,191 42,409,032 42,409,032 2. Statutory Reserve Requirements (GWM) 2. Non-performing earning assets to total productive assets 1.75% 2.10%
INCOME AND EXPENSES FROM OPERATIONS 1.2.1.2.1 Agio 7,985,971 7,985,971 7,985,971 7,985,971 3. Allowance for impairment losses for financial asset to productive asset 3.47% 3.45%
1.2.1.2.2 General reserve 564,076 564,076 529,037 529,037 a. GWM primary IDR
4. NPF gross 1.76% 2.12%
A. Interest Income and Expenses 1.2.1.2.3 Prior years profit 33,575,559 33,575,559 31,333,101 31,333,101 i. Daily 0.00% 0.00%
5. NPF net 1.13% 1.29%
1.2.1.2.4 Current year profit 2,331,585 2,331,585 2,560,923 2,560,923 ii. Average 6.13% 8.29%
1. Interest Income 10,892,282 9,193,868 16,963,599 14,865,938 1.2.1.2.5 Paid up capital fund - - - - 6. Return On Assets (ROA) 0.77% 2.47%
1.2.1.2.6 Others - - - - b. GWM foreign currency (daily) 2.00% 2.00% 7. Profit sharing financing to total financing 43.41% 40.22%
2. Interest Expense -/- 4,080,574 2,700,329 5,031,844 3,376,045 8. Financing to Deposit Ratio (FDR) 166.64% 143.57%
1.2.2 Deduction Factor (91,718) (91,718) (259,935) (259,935) 3. Net Open Position 1.48% 0.95%
Net Interest Income ( Expense ) 6,811,708 6,493,539 11,931,755 11,489,893 1.2.2.1 Other comprehensive income - - (165,117) (165,117)
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 - - - - CONSOLIDATED STATEMENTS OF CASH FLOWS
of financial assets 119,884 241,665 119,884 241,665 1.2.2.2.1 Disagio - - - - FOR THE 9 MONTH PERIOD ENDED 30 SEPTEMBER 2024 AND 2023 FOR THE MONTH OF SEPTEMBER 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 Under provision between regulatory provision and impairment 30 Sep 2024 30 Sep 2023 Net Revenue Sharing
value on productive assets - - - -
3. Gain (loss) from sale of financial assets 236,552 179,253 236,552 179,253 1.2.2.2.5 Negative difference on fair value adjustment of financial instrument Depositor’s portion
Cash flows from operating activities:
4. Gain (loss) from spot and derivative transaction (realised) 142,695 (65,817) 142,695 (65,817) in trading book - - - -
1.2.2.2.6 Under provision between regulatory provision and impairment Interest income, fees and commissions 8,409,977 7,924,129 Average Revenue to be Total bonus Rate of return
5. Gain (loss) from investment under equity method 1,051,450 1,249,318 35,103 13,051 value on non productive assets (91,718) (91,718) (94,818) (94,818) balance distributed Nisbah
Receipts from consumer financing transactions 34,525,086 29,865,538 Type of funding & profit indication
1.2.2.2.7 Others - - - - (%) sharing (%)
6. Gain (loss) on foreign currencies translation 14 (33) 126 (128) 1.3 Minority interest which can be reckoned - - - - Payments for new consumer financing transactions (28,417,832) (34,952,471)
7. Dividend income 3,945 7,683 3,945 7,683 1.4 Deduction factor to core capital (14,899,417) (4,907,164) (14,572,925) (5,199,186) Payments of interest, fees and commissions (5,059,934) (3,499,304) A B C D E
1.4.1 Deffered tax calculation (1,738,961) ((2,011,940) (2,123,474) (2,509,736) Payments of interests on securities issued (323,730) (267,324)
8. Fees/commissions and administrative income 1,297,265 1,225,499 1,827,773 1,743,819 1.4.2 Goodwill - (1,074,532) - (1,074,532) 1. Liabilities to other bank - - - - -
1.4.3 Intangible assets (619,474) (841,375) (540,200) (663,177) Proceeds in relation to joint financing 13,381,220 14,680,742 2. Mudharabah current account
9. Other income 393,188 365,150 1,067,199 821,146
1.4.4 Investment calculated as deduction factor (12,540,982) (979,317) (11,909,251) (951,741) Repayment in relation to joint financing (11,288,995) (9,774,592) a. Bank 175,586 1,443 10 144 0.98
10. Addition (reversal) of Impairment losses on financial 1.4.5 Short of capital on insurance subsidiary company - - - - Other operating income 1,360,792 1,144,814
1.4.6 Capital securitisation exposure - - - - b. Non Bank 901,216 7,407 19 1,371 1.83
assets -/- 1,816,233 1,609,874 3,386,953 2,686,198 Gains from foreign exchange transactions - net 361,480 217,577
1.4.7 Other deduction factor to core capital - - - - 3. Mudharabah saving account
11. Losses related to operational risk -/- 25,886 997 26,041 1,385 2. Additional Core Capital (AT-1) - - - - Other operating expenses (7,282,612) (7,560,796) a. Bank 130,057 1,069 13 139 1.28
12. Salaries and employee benefits -/- 2,912,544 2,732,406 4,735,378 4,551,453 2.1 Instrument that qualified for AT-1 - - - - Non-operating expense - net (31,346) (59,946)
2.2 Agio/Disagio - - - - b. Non Bank 1,003,471 8,248 7 614 0.73
13. Promotion expenses -/- 210,748 193,602 655,023 639,175 2.3 Deduction factor of Additional Core Capital - - - - Cash flows before changes in operating assets and liabilities 5,634,106 (2,281,633) 4. Mudharabah time deposit
14. Other expenses -/- 2,325,221 2,109,969 3,458,776 3,166,396 II Supplementary Capital (Tier 2) 1,698,367 1,821,607 1,523,545 1,613,169 a. Bank
1 Capital instrument in form of shares and others which is qualified for Tier 2 20,833 20,833 833 833 Changes in operating assets and liabilities:
Operating Income (Expenses) other than Interest (4,045,639) (3,444,130) (8,828,894) (8,103,935) 2 Agio/Disagio - - - - - 1 month 14,108 116 25 29 2.47
3 General reserves of regulatory provision on productive assets (max. 1.25% of RWA Credit Risk) 1,677,534 1,800,774 1,522,712 1,612,336 Decrease/(increase) in operating assets: - 3 months 5,417 45 25 11 2.44
OPERATING INCOME (LOSS) 2,766,069 3,049,409 3,102,861 3,385,958 4 Deduction factor of Supplementary Capital - - - - Marketable securities and Government Bonds - trading (1,665,780) (750,541) - 6 months - - - - -
Total Capital 37,362,971 47,478,464 35,171,778 44,635,141 Securities purchased under resale agreements 1,872,555 3,337,237 - 12 months 29,986 246 25 62 2.48
NON OPERATING INCOME AND EXPENSES
30 Sep 2024 30 Sep 2023 30 Sep 2024 30 Sep 2023 Loans (13,852,667) (12,865,551) b. Non Bank
1. Gain (loss) from sale of premisses and equipment 3,874 (2,470) 4,334 (2,548) DESCRIPTION Description
Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
Prepayments and other assets 144,367 (1,638,886) - 1 month 1,004,336 8,255 25 2,063 2.46
2. Other non operating income (expenses) (59,902) (93,104) (31,346) 33,357 Increase/(decrease) in operating liabilities: - 3 months 2,467,015 20,277 25 5,069 2.47
NON OPERATING INCOME (LOSS) (56,028) (95,574) (27,012) 30,809 RISK WEIGHTED ASSETS CAR RATIO Deposits from customers: - 6 months 445,394 3,661 25 915 2.47
RWA CREDIT RISK 140,244,919 166,816,976 122,866,121 144,190,195 CET 1 Ratio (%) 23.28% 25.14% 25.13% 27.40% - Current accounts (7,742,045) (6,664,943) - 12 months 656,493 5,396 25 1,349 2.47
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 2,710,041 2,953,835 3,075,849 3,416,767
RWA MARKET RISK 2,702,437 2,829,500 1,005,724 1,005,121 Tier 1 Ratio (%) 23.28% 25.14% 25.13% 27.40% - Savings (248,138) (6,675,966) 5. Financing received - -
Income tax - Time deposits 16,312,096 16,949,028
RWA OPERATIONAL RISK 10,256,117 11,968,282 10,025,598 11,815,822 Tier 2 Ratio (%) 1.11% 1.00% 1.14% 1.03%
a. Current year tax expenses -/- 84,905 50,428 273,974 398,680 TOTAL RWA 153,203,473 181,614,758 133,897,443 157,011,138 Total Ratio (%) 24.39% 26.14% 26.27% 28.43% Deposits from other Banks 3,822,316 (489,750) Total 6,833,079 56,163
b. Deferred tax income (expenses) (293,551) (342,484) (381,916) (350,684) Accruals and other liabilities (865,951) 1,720,519
CAR RATIO ACCORDING 9.00% 9.00% 9.00% 9.00% CET 1 FOR 15.39% 17.14% 17.27% 19.43% Income tax paid during the period (369,793) (505,428)
TO RISK PROFILE (%) BUFFER (%)
Average balance Revenue received
TOTAL NET PROFIT (LOSS) DURING PERIOD 2,331,585 2,560,923 2,419,959 2,667,403 Type of financing
CAR ALOCATION ACCORDING BUFFER 3.50% 3.50% 3.50% 3.50% Net cash provided from/(used by) operating activities 3,041,066 (9,865,914) 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 (%) Proceeds from sales of and matured marketable securities and Government 1. Placements at other banks - -
2. Murabahah receivables
a. Gain from fixed asset revaluation - - - - From CET1 (%) 7.89% 8.00% 7.86% 7.97% Capital 2.50% 2.50% 2.50% 2.50% Bonds - amortized cost and fair value through other comprehensive income 14,985,932 5,730,347
a. Bank - -
Conservation Acquisition of marketable securities and Government Bonds - amortized cost
b. Gain (loss) from remeasurement on defined b. Non Bank 7,941,730 68,591
Buffer (%) and fair value through other comprehensive income (27,571,827) (1,737,796)
benefit pension program 34 - (1,612) - 3. Istishna receivables
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 (626,143) (389,604) a. Bank - -
c. Others (8,314) - (6,205) - Buffer (%) Proceeds from sale of fixed assets 16,274 3,201 b. Non Bank - -
2. Items that will be reclassified to profit or loss From Tier 2 (%) 1.11% 1.00% 1.14% 1.03% Capital Surcharge 1.00% 1.00% 1.00% 1.00% Receipt from investment (2,919) 21,144 4. Multipurpose receivables
a. Gain (loss) from adjustment on translation for Systemic Acquisition of investment in associate (865,385) - a. Bank - -
Bank (%) b. Non Bank - -
of financial statements - - - - Acquisition of investment in shares (24,013) -
5. Pawn financing
b. Gain (loss) from changes in fair value of financial STATEMENT OF SPOT AND DERIVATIVE TRANSACTION Receipt of cash dividends 3,945 7,683 a. Bank - -
AS OF 30 SEPTEMBER 2024 Liquidation of Subsidiary - 2,073 b. Non Bank - -
assets measured at fair value through other
(In million Rupiah) Net cash (used by)/provided from investing activities (14,084,136) 3,637,048 6. Mudharabah financing
comprehensive income 200,399 36,687 200,399 36,687 a. Bank 95,609 731
INDIVIDUAL
c. Others (26,193) 3,115 (28,450) 3,382 Cash flows from financing activities: b. Non Bank 2,930,512 8,618
NO. TRANSACTION Purpose Derivative Receivable and Liabilities
Notional Amount Increase in securities sold under repurchase agreements 2,925,952 - 7. Musyarakah financing
Other Comprehensive Income Net Of Tax 165,926 39,802 164,132 40,069 Trading Hedging Receivables Liabilities
Payments of principal on bonds issued and mudharabah bonds (2,257,750) (2,240,800) a. Bank - -
TOTAL CURRENT PERIOD PROFIT (LOSS) A. Related to exchange rate Proceeds from bonds issuance mudharabah bonds 2,037,281 2,003,591 b. Non Bank 1,816,283 3,635
1. Spot 4,312,802 4,312,802 - 1,426 1,904 8. Lease financing
AND COMPREHENSIVE INCOME 2,497,511 2,600,725 2,584,091 2,707,472 Payments of cash dividends (1,303,458) (1,219,591)
2. Forward 13,386,573 13,386,573 - 108,501 149,504 a. Bank - -
Repayment of borrowings (10,816,900) (13,822,454) b. Non Bank 582,175 3,183
Current Period Profit (Loss) attributable to: 3. Option Proceeds from borrowings 15,195,842 18,510,000
a. Purchased 61,235 61,235 - 598 59,743 9. Other financing
Equity holders of the parent entity 2,331,585 2,560,923 2,331,585 2,560,923 b. Written 567,085 567,085 - - 598 Decrease in principal of lease liabilities (96,760) (78,748) a. Bank - -
Non-controlling interests - - 88,374 106,480 4. Future - - - - - b. Non Bank 649 -
Net cash provided from financing activities 5,684,207 3,151,998
5. Swap 38,478,717 38,478,717 - 597,008 498,788 Total 13,366,958 84,758
TOTAL CURRENT PERIOD PROFIT (LOSS) 2,331,585 2,560,923 2,419,959 2,667,403 6. Others - - - - - Decrease increase in cash and cash equivalent (5,358,863) (3,076,868)
Total Current Period Profit (Loss) and Comprehensive B. Related to interest rate Net effect on changes in exchange rates on cash and cash equivalent (12,010) (18,955) Notes:
Income attributable to:
1. Forward - - - - - *) Total of Murabahah and Multijasa financing exclude margin to be received of Rp 1,429,743 million and
2. Option Cash and cash equivalents at beginning of the period 18,562,802 19,661,337 Rp 1,362,514 million as of 30 September 2024 and 31 December 2023.
Equity holders of the parent entity 2,497,511 2,600,725 2,497,511 2,600,725 a. Purchased - - - - - Cash and cash equivalents at end of the period 13,191,929 16,565,514
Non-controlling interests - - 86,580 106,747 b. Written - - - - - Jakarta, 30 October 2024
3. Future - - - - - Cash and cash equivalents consist of:
Sharia Business Unit
TOTAL CURRENT PERIOD PROFIT (LOSS) 4. Swap - - - - - Cash 1,917,390 2,231,836
AND COMPREHENSIVE INCOME 2,497,511 2,600,725 2,584,091 2,707,472 5. Others 200,000 200,000 - - 10 Current accounts with Bank Indonesia 5,184,456 6,304,653
C. Others 4,783,537 4,783,537 - 162,131 71,465 Current accounts with other Banks 2,951,273 2,155,110
DIVIDEND (1,226,385) (1,155,820) (1,226,385) (1,155,820)
TOTAL 61,789,949 61,789,949 - 869,664 782,012 Placements with other Banks and Bank Indonesia - maturing within 3 months
BASIC EARNINGS PER SHARE (in rupiah unit) 238.56 262.03 238.56 262.03 from the date of acquisition 3,138,810 5,873,915 Prof. Dr. H. M. Din Syamsuddin Herry Hykmanto
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 13,191,929 16,565,514
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 2024 AND 2023 AS OF 30 SEPTEMBER 2024
(In million Rupiah) 1. The financial information as of 30 September 2024 and for the nine-month period then ended, was derived from
BOARD OF COMMISSIONERS the consolidated financial statements of PT Bank Danamon Indonesia Tbk. (Bank) and subsidiary, prepared
30 Sep 2024 30 Sep 2023 President Commissioner : Yasushi Itagaki
by the Bank’s management in accordance with Indonesian Financial Accounting Standards. The above 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 information was derived from the consolidated financial statements; therefore, the consolidated financial
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific Commissioner : Dan Harsono
information does not represent a complete presentation of the consolidated financial statements.
Independent Commissioner : Peter Benyamin Stok
1. Placements at other banks 183 - - 20,025 - 208 - - 35,601 -
2. Spot and derivative receivables - - - 8,697 - - - - 4,467 - Independent Commissioner : Hedy Maria Helena Lapian The above published report are presented in order to comply with Regulation of Financial Service Authority
3. Marketable securities 10,137 - 247,651 36,734 - 9,943 - 182,960 35,537 41,480 BOARD OF DIRECTORS
(“POJK”) No.37/POJK.03/2019 dated 20 December 2019 regarding “Transparency and Publication of Bank”,
4. Securities sold under repurchase agreements (repo) - - - - - - - - - - President Director : Daisuke Ejima and the Circular Letter of Financial Service Authority (“SEOJK”) No.09/SEOJK.03/2020 dated 30 June 2020
5. Securities purchased under resale agreements (reverse repo) - - - 5,119 - - - - - - Vice President Director : Honggo Widjojo Kangmasto
6. Acceptance receivables 2,059 - - 14,082 - 1,739 1 4,625 13,756 72 regarding “Transparency and Publication of Conventional Bank”, POJK No.14/POJK.04/2022 dated 22 August
Vice President Director : Hafid Hadeli
7. Loans and financing 1,965,402 994,312 4,588,639 1,386,509 1,955,799 1,712,780 970,089 4,530,953 1,232,695 1,839,711 Director : Herry Hykmanto 2022 regarding “Financial Statements Presentation and Disclosure of Issuer or Public Companies”, and the
8. Investments - - - 126,279 - - - - 119,966 -
9. Other receivables 2,506 - - 7,245 - 617 - - 4,685 -
Director : Rita Mirasari Decree of Chairman of Capital Market and Financial Institution Supervisory Board (“Bapepam-LK”) No. KEP
Director : Dadi Budiana
10. Commitment and Contingency 122,143 2,087 171 72,845 14,872 94,511 2,438 13,408 76,004 10,658 Director : Muljono Tjandra
347/BL/2012 dated 25 June 2012 No. VIII.G.7. regarding “Financial Statements Presentation and Disclosure of
Director : Thomas Sudarma Issuer or Public Companies”.
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 2024 AND 2023 * The appointment of Mr. Jin Yoshida was based on the resolution of the Annual GMS dated 22 March 2024 and has been effective
(In million Rupiah) 3. Exchange rate as of 30 September 2024: USD 1 = Rp15,140.00; Exchange rate as of 31 December 2023:
Attributable to equity holders of the parent entity on 11 July 2024 based on the result of passing the fit and proper test from the Financial Services Authority (OJK).
USD 1 = Rp15,397.00; Exchange rate as of 30 September 2023: USD 1 = Rp15,455.00.
Other equity components Retained earnings SHARIA SUPERVISORY BOARD
Additional Other Changes in fair value on Total before Non- AS OF 30 SEPTEMBER 2024
Share Changes of Marketable securities, Government Changes in fair value controlling Total
paid-up paid-up non-controlling
capital capital capital associate Bonds, and Investments in shares of cashflow hedge-net Appropriated Unappropriated*) interest interest Equity
1. Chairman : Prof. Dr. H. M. Din Syamsuddin
equity measured at fair value through
other comprehensive income - net 2. Member : Dr. Hasanudin, M. Ag Thank You for Your Vote of Confidence
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 3. Member : Dr. Asep Supyadillah, M.Ag
Net income for the period - - - - - - - 2,331,585 2,331,585 88,374 2,419,959
Other comprehensive Income, net of tax
Changes in fair value of cashflow hedge-net - - - - - (26,193) - - (26,193) (2,257) (28,450) SHARE OWNERSHIP OF BANK Fortune Indonesia 100 - 2024
Remeasurement of obligation for post-employment-benefits
Changes in fair value on Marketable securities, Government Bonds,
- - - - - - - 34 34 - 34 AS OF 30 SEPTEMBER 2024
by Fortune Indonesia, category:
1. MUFG Bank, Ltd. (direct and indirect) 92.47%
and Investments in shares measured at fair value through
other comprehensive income - net - - - - 192,085 - - - 192,085 463 192,548 2. Public 7.53% Indonesia’s Biggest Companies in Financials Category
Total other comprehensive income - - - - 192,085 (26,193) - 34 165,926 (1,794) 164,132
Total comprehensive income for the period - - - - 192,085 (26,193) - 2,331,619 2,497,511 86,580 2,584,091
Total 100.00%
Appropriation for general and legal reserve
Distribution of cash dividends
-
-
-
-
-
-
-
-
-
-
-
-
35,039
-
(35,039)
(1,226,385)
-
(1,226,385) (77,080)
-
(1,303,465)
Top GRC Awards 2024
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 Jakarta, 30 October 2024 by Top Business, category :
Balance as of 1 January 2023 5,995,577 7,985,971 189 8,242 (125,321) (2,844) 495,825 32,486,064 46,843,703 634,779 47,478,482 Board of Directors
Net income for the period
Other comprehensive income, net of tax
- - - - - - - 2,560,923 2,560,923 106,480 2,667,403 1. Top GRC Awards 2024 - 4 Stars
Changes in fair value of cashflow hedge-net
Remeasurement of obligation for post-employment-benefits
-
-
-
-
-
-
-
-
-
-
3,115
-
-
-
-
-
3,115
-
267
-
3,382
- 2. The Most Committed GRC Leader 2024,
Changes in fair value on Marketable securities, Government Bonds,
and Investments in shares measured at fair value through Daisuke Ejima, President Director
other comprehensive income - net - - - - 36,687 - - - 36,687 - 36,687
Total other comprehensive income - - - - 36,687 3,115 - - 39,802 267 40,069
Total comprehensive income for the period
Liquidation of Subsidiary
-
-
-
-
-
-
-
-
36,687
-
3,115
-
-
-
2,560,923
-
2,600,725
-
106,747
2,073
2,707,472
2,073 Daisuke Ejima Muljono Tjandra
Bisnis Indonesia Financial Awards 2024
Appropriation for general and legal reserve
Distribution of cash dividends
-
-
-
-
-
-
-
-
-
-
-
-
33,023
-
(33,023)
(1,155,820)
-
(1,155,820)
-
(63,678)
-
(1,219,498) President Director Director by Bisnis Indonesia, category:
Balance as of 30 September 2023 5,995,577 7,985,971 189 8,242 (88,634) 271 528,848 33,858,144 48,288,608 679,921 48,968,529
Best Performance Bank KBMI III
*) Unappropriated retained earnings include remeasurement on defined benefit plans
Corporate Communications - Menara Bank Danamon 11th Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645030, Email : corporate.communications@danamon.co.id
Investor Relation Division - Menara Bank Danamon 21st Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645103, Email : investor.relations@danamon.co.id
PT Bank Danamon Indonesia Tbk is licensed and supervised by the Indonesian Financial Services Authority (OJK and Bank of Indonesia (BI), and is a member of Indonesia Deposit Insurance Corporation (LPS)
Names mentioned 23 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×7
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 ×2
unresolved
person
Dr. Hasanudin
p.1
unresolved
person
Dr. Asep Supyadillah
p.1
unresolved
org
Bank KBMI III
p.1
unresolved
org
Indonesia Deposit Insurance Corporation
p.1
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