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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 2024 AND 31 DECEMBER 2023
(In million Rupiah)
AS OF 31 MARCH 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
31 Mar 2024 31 Dec 2023 31 Mar 2024 31 Dec 2023 NO. ACCOUNTS 31 Mar 2024 31 Mar 2023 Otoritas Jasa Keuangan No. 10/SEOJK.03/2020 dated 1 July 2020 regarding
ASSETS Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total Transparency and Publication Report of Sharia Bank and Sharia Business Unit.
1. Cash 2,162,933 2,233,846 2,306,903 2,362,221 I. RELATED PARTIES
2. Placements with Bank Indonesia 6,613,578 14,066,295 6,613,578 14,066,295 1. Placements at other banks STATEMENT OF FINANCIAL POSITION
a. Rupiah - - - - - - - - - - - - AS OF 31 MARCH 2024 AND 31 DECEMBER 2023
3. Placements with other banks 4,254,307 1,538,845 4,829,367 2,134,286 b. Foreign currencies 138,403 - - - - 138,403 279,582 - - - - 279,582 (In million Rupiah)
2. Spot and derivative receivables
4. Spot and derivative/forward receivables 225,907 270,960 231,444 271,966 31 Mar 2024 31 Dec 2023
a. Rupiah 6 - - - - 6 18,695 - - - - 18,695 NO. ACCOUNTS
5. Marketable securities 25,532,697 19,982,660 25,479,697 19,933,727 b. Foreign currencies 3 - - - - 3 290 - - - - 290
3. Marketable securities ASSETS
6. Securities sold under repurchase agreements (repo) - - - - a. Rupiah 153,346 - - - - 153,346 150,220 - - - - 150,220 1. Cash 24,959 17,680
7. Securities purchased under resale agreements b. Foreign currencies 31,710 - - - - 31,710 14,995 - - - - 14,995 2. Placements at Bank Indonesia 1,423,637 1,316,008
4. Securities sold under repurchase agreements (repo) 3. Placements at other banks - -
(reverse repo) 1,027,978 2,384,446 1,027,978 2,384,446 a. Rupiah - - - - - - - - - - - - 4. Marketable securities - -
8. Acceptance receivables 1,288,892 1,540,622 1,288,892 1,540,622 b. Foreign currencies - - - - - - - - - - - -
5. Financing receivables *) 6,673,765 6,539,728
5. Securities purchased under resale agreements (reverse repo)
9. Loans 135,510,830 133,460,223 134,742,497 132,468,140 a. Rupiah - - - - - - - - - - - - 6. Profit sharing financing 5,791,433 4,055,954
10. Sharia financing 13,032,955 11,182,741 13,032,955 11,182,741 b. Foreign currencies - - - - - - - - - - - - 7. Leased financing 567,756 587,060
6. Acceptance receivables 79,485 - - - - 79,485 137,299 - - - - 137,299 8. Other earning asset 108,584 83,575
11. Consumer financing receivables - - 29,006,336 27,763,390 7. Loans and financing 9. Allowance for impairment losses on earning asset (-/-) (478,775) (427,824)
Allowance for impairment losses on consumer financing a. Micro, small and medium debtor
10. Fixed assets and equipment 7,222 7,319
i. Rupiah - - - - - - - - - - - -
receivables -/- - - (1,667,441) (1,562,698) ii. Foreign currencies - - - - - - - - - - - - 11. Non earning asset 7,425 -
12. Investments 11,972,271 12,489,563 2,296,471 1,424,571 b. Non micro, small and medium debtor 12. Other assets 9,972 344,697
i. Rupiah 1,625,331 275 - - - 1,625,606 1,412,368 67 - - - 1,412,435
13. Other financial assets 1,513,842 1,598,651 1,611,176 1,699,312 ii. Foreign currencies 98,496 - - - - 98,496 - - - - - - TOTAL ASSETS 14,135,978 12,524,197
14. Allowance for impairment losses on financial assets -/- c. Restructured Loans
LIABILITIES
i. Rupiah - - - - - - - - - - - -
a. Marketable securities (303,086) (354,649) (303,086) (354,649) ii. Foreign currencies - - - - - - - - - - - - 1. Wadiah saving 992,704 1,009,962
8. Investments 11,892,614 - - - - 11,892,614 11,927,718 - - - - 11,927,718 2. Non profit sharing investment funds 6,552,379 7,247,892
b. Loans and Sharia financing *) (7,517,771) (7,337,274) (7,598,695) (7,398,044) 9. Other receivables - - - - - - - - - - - - 3. Liabilities to Bank Indonesia - -
c. Others (2,680) (3,865) (2,680) (3,865) 10. Commitments and contingencies 4. Liabilities to other banks 426,514 583,772
a. Rupiah 265,891 465 - - - 266,356 2,380,189 33 - - - 2,380,222 5. Marketable securities issued - -
15. Intangible assets 2,610,032 2,555,396 5,116,475 5,021,020 b. Foreign currencies 250,060 - - - - 250,060 303,300 - - - - 303,300
6. Other liabilities 33,733 43,439
Accumulated amortisation on intangible assets -/- (1,987,758) (1,936,102) (3,270,130) (3,206,535)
II. NON RELATED PARTIES 7. Profit sharing investment funds - -
16. Fixed assets and equipment 4,045,321 4,371,579 5,392,673 5,702,510 1. Placements at other banks 8. Working funds 6,106,746 3,475,344
a. Rupiah 1,979,561 - - - - 1,979,561 77,756 - - - - 77,756 9. Retained earnings 23,902 163,788
Accumulated depreciation of fixed assets and equipment -/- (2,287,001) (2,693,728) (3,142,776) (3,541,931) b. Foreign currencies 2,136,343 - - - - 2,136,343 1,804,372 - - - - 1,804,372
17. Non earning asset 2. Spot and derivative receivables TOTAL LIABILITIES 14,135,978 12,524,197
a. Rupiah 219,997 - - - - 219,997 528,760 - - - - 528,760
a. Idle properties 66,100 66,100 66,100 66,100 b. Foreign currencies 5,901 - - - - 5,901 13,245 - - - - 13,245
b. Foreclosed assets 451,925 477,276 451,925 477,276 3. Marketable securities STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME
a. Rupiah 21,793,135 - - - - 21,793,135 20,470,756 - - - - 20,470,756 FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2024 AND 2023
c. Suspense accounts 2 - 2 - b. Foreign currencies 3,554,506 - - - - 3,554,506 2,050,585 - - - - 2,050,585 (In million Rupiah)
d. Interbranch assets - - - - 4. Securities sold under repurchase agreements (repo)
a. Rupiah - - - - - - - - - - - - NO. ACCOUNTS 31 Mar 2024 31 Mar 2023
18. Leased receivables - - 1,711,450 1,505,070 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) OPERATING INCOME AND EXPENSE
19. Other assets 7,495,529 6,677,341 7,340,506 7,368,561
a. Rupiah 1,027,978 - - - - 1,027,978 2,107,870 - - - - 2,107,870 A. Operational Income dan Expense from distribution of fund
TOTAL ASSETS 205,706,803 202,570,926 226,561,617 221,304,532 b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 1,207,296 2,111 - - - 1,209,407 1,903,934 2,398 - - - 1,906,332 1. Income from Distribution of Fund
LIABILITIES AND EQUITY 7. Loans and financing a. Income from receivables 201,366 162,627
a. Micro, small and medium debtor
LIABILITIES i. Rupiah 18,268,659 2,493,890 102,986 208,086 866,686 21,940,307 17,862,367 1,924,967 158,161 329,722 908,663 21,183,880 b. Income from profit sharing 81,166 74,646
1. Current accounts 31,282,765 34,390,610 30,067,156 33,579,946 ii. Foreign currencies 78,212 - - - 4,495 82,707 95,083 39,321 - - 7,652 142,056 c. Leased income 11,707 8,087
b. Non micro, small and medium debtor d. Others 1,457 953
2. Savings 38,309,082 38,169,135 38,309,082 38,169,135 i. Rupiah 99,932,647 5,763,587 261,626 571,252 1,140,778 107,669,890 86,405,025 4,733,219 347,877 350,756 1,030,173 92,867,050
ii. Foreign currencies 16,892,792 233,987 - - - 17,126,779 8,408,321 344,767 - - - 8,753,088
2. Margin distribution to owners of investment funds -/-
3. Time deposits 72,496,396 66,662,731 72,496,396 66,662,731 a. Non Profit sharing 79,612 44,768
c. Restructured Loans
4. E-money - - - - i. Rupiah 3,405,928 1,124,093 96,111 282,681 1,421,958 6,330,771 5,678,596 1,658,613 246,876 430,051 1,603,681 9,617,817 b. Profit sharing - -
ii. Foreign currencies 27,955 233,590 - - 4,495 266,040 218,244 372,842 - - 7,652 598,738
5. Loans from Bank Indonesia - - - - 3. Income after margin distribution 216,084 201,545
8. Investments 79,657 - - - - 79,657 85,242 - - - - 85,242
6. Borrowings from other banks 2,914,334 3,031,690 2,914,334 3,031,690 9. Other receivables 412,758 - - - - 412,758 707,921 - - - - 707,921 B. Other Operating Income and Expenses Except Fund Distribution
10. Commitments and contingencies
7. Spot and derivative/forward liabilities 292,399 325,956 324,139 325,956 a. Rupiah 86,202,884 245,995 - - - 86,448,879 77,336,869 166,792 - - 200 77,503,861 1. Gain (loss) on foreign currencies translation 22,144 59
8. Securities sold under repurchase agreements (repo) - - - - b. Foreign currencies 16,272,789 3,995 - - - 16,276,784 18,625,403 10,202 - - - 18,635,605
2. Income as mudharib in mudharabah muqayyadah - -
9. Acceptance payables 1,288,892 1,540,622 1,288,892 1,540,622 III. OTHERS INFORMATION 3. Commision/Provision/Fees and administrative 1,073 1,218
10. Marketable securities issued - - 6,332,479 6,694,456 1. Collateralised assets 4. Other income 7,976 4,761
a. To Bank Indonesia - -
11. Borrowings 25,000 25,000 11,463,002 8,345,889 5. Wadiah bonus expense -/- 5,598 2,571
b. To other parties - -
12. Security deposits 8,360 8,356 8,360 8,356 2. Foreclosed assets 451,924 460,192 6. Addition (reversal) of impairment losses on financial assets -/- 170,337 75,173
7. Losses on operational risk -/- - -
13. Interbranch liabilities - - - -
8. Addition (reversal) of impairment losses on other asset (non financial) -/- - (13,000)
14. Other liabilities 10,265,636 9,180,209 13,854,916 12,986,383 STATEMENTS OF COMMITMENTS AND CONTINGENCIES 9. Salaries and employee benefits -/- 21,294 17,800
15. Minority interest - - 678,922 722,751 AS OF 31 MARCH 2024 AND 31 DECEMBER 2023
KEY FINANCIAL RATIOS 10. Other expenses -/- 17,670 12,243
AS OF 31 MARCH 2024 AND 2023
(In million Rupiah) Other Operating Income (Expense) (183,706) (88,749)
TOTAL LIABILITIES 156,882,864 153,334,309 177,737,678 172,067,915
INDIVIDUAL CONSOLIDATED NO. RATIOS (%) 31 Mar 2024 31 Mar 2023 OPERATING INCOME (LOSS) 32,378 112,796
NO. ACCOUNTS
EQUITY 31 Mar 2024 31 Dec 2023 31 Mar 2024 31 Dec 2023 CONSOLIDATED RATIOS: NON OPERATING INCOME AND EXPENSE
16. Issued and fully paid capital I. COMMITMENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 26.14% 28.54%
a. Authorized capital 10,000,000 10,000,000 10,000,000 10,000,000 2. Non-performing earning assets and non productive assets to total earnings 1. Gain (loss) from sale of premisses and equipment - -
1. Unused borrowing facilities - - - - 2. Other non operating income/(expenses) (1,682) (13,838)
b. Unpaid capital -/- (4,004,423) (4,004,423) (4,004,423) (4,004,423) and non productive assets 1.27% 1.33%
2. Outstanding buying of spot and derivative/forward NON OPERATING INCOME (LOSS) (1,682) (13,838)
contract 28,481,688 23,725,241 28,481,688 23,725,241 3. Non-performing earning assets to total productive assets 1.18% 1.23%
c. Treasury stock -/- - - - - INCOME (LOSS) DURING PERIOD BEFORE TAX 30,696 98,958
3. Others - - - - 4. Allowance for impairment losses for financial asset to productive asset 4.47% 4.76%
17. Additional paid-up capital 5. NPL gross 2.22% 2.44% Income tax -/- 6,794 21,771
a. Agio 7,985,971 7,985,971 7,985,971 7,985,971 II. COMMITMENT PAYABLES 6. NPL net 0.40% 0.15% INCOME (LOSS) DURING PERIOD NET OF TAX 23,902 77,187
b. Disagio -/- - - - - 1. Unused loans facilities granted to debtors 7. Return on Assets (ROA) before tax 1.98% 2.19% OTHER COMPREHENSIVE INCOME
c. Capital paid in advance - - - - a. Commited 3,343,946 4,922,801 3,343,946 4,922,801 8. Return on Assets (ROA) after tax 1.49% 1.64%
b. Uncommitted 91,385,218 85,440,143 91,385,218 85,440,143 1. Items that will not be reclassified to profit or loss - -
d. Others 8,242 8,242 8,242 8,242 9. Return on Equity (ROE) 7.51% 7.91%
2. Outstanding Irrevocable L/C 842,977 852,894 842,977 852,894 2. Items that will be reclassified to profit or loss - -
10. Net Interest Margin (NIM) including third party premium expenses 7.35% 7.78%
18. Other comprehensive income 3. Outstanding selling of spot and derivative/forward Other Comprehensive Income Net Of Tax - -
a. Gain 75 167 75 167 contract 33,894,595 24,985,212 33,894,595 24,985,212 BANK RATIOS :
4. Others - - - - Performance Ratio
TOTAL COMPREHENSIVE INCOME DURING PERIOD 23,902 77,187
b. Loss -/- (136,835) (119,361) (136,835) (119,361)
III. CONTINGENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 24.58% 26.17%
19. Reserves
a. General reserves 564,076 529,037 564,076 529,037 1. Guarantees received 756,126 744,141 756,126 744,141
2. Non-performing earning assets and non productive assets to total earnings STATEMENTS OF COMMITMENTS AND CONTINGENCIES
and non productive assets 1.16% 1.28% AS OF 31 MARCH 2024 AND 31 DECEMBER 2023
b. Specific reserves - - - - 2. Others - - - - 3. Non-performing earning assets to total productive assets 1.06% 1.18% (In million Rupiah)
20. Retained earnings IV. CONTINGENT PAYABLES 4. Allowance for impairment losses for financial asset to productive asset 4.05% 4.23% NO. ACCOUNTS 31 Mar 2024 31 Dec 2023
a. Previous years 34,801,945 32,488,922 34,801,945 32,488,922 5. NPL gross 2.28% 2.69%
1. Guarantees issued 7,669,938 7,448,178 7,669,938 7,448,178 I. COMMITMENT RECEIVABLES
2. Others - - - - 6. NPL net 0.28% 0.12% 1. Unused Financing facilities - -
b. Current year 831,246 3,503,882 831,246 3,503,882
7. Return on Assets (ROA) before tax 1.88% 2.05% 2. Outstanding buying of spot and forward contract - -
c. Dividend paid -/- (1,226,358) (1,155,820) (1,226,358) (1,155,820) 8. Return on Assets (ROA) after tax 1.64% 1.77% 3. Others - -
CAPITAL ADEQUACY RATIO (CAR) 9. Return on Equity (ROE) 9.67% 10.18%
II. COMMITMENT PAYABLES
TOTAL EQUITY ATTRIBUTABLE TO EQUITY AS OF 31 MARCH 2024 AND 2023 1. Unused Financing facilities 2,908,470 2,538,359
10. Net Interest Margin (NIM) 4.89% 5.18% 2. Outstanding selling of spot and forward contract - -
HOLDERS OF THE PARENT ENTITY 48,823,939 49,236,617 48,823,939 49,236,617 (In million Rupiah) 3. Others - -
11. Net Interest Margin (NIM) including third party premium expenses 4.73% 5.03%
III. CONTINGENT RECEIVABLES
TOTAL EQUITY 48,823,939 49,236,617 48,823,939 49,236,617 31 Mar 2024 31 Mar 2023 12. Operating expenses to operating income (BOPO) 78.74% 75.40% 1. Guarantees received - -
CAPITAL COMPONENT 13. Cost to Income Ratio (CIR) 51.87% 51.74% 2. Margin receivables on non performing assets 7,868 12,975
Individual Consolidated Individual Consolidated
TOTAL LIABILITIES AND EQUITY 205,706,803 202,570,926 226,561,617 221,304,532 14. Loan to Deposit Ratio (LDR) 97.57% 93.69% 3. Others - -
*) Include Allowance for Impairment Losses on Leased Receivables I Core Capital (Tier 1) 34,374,081 43,813,465 31,580,812 40,979,327 IV. CONTINGENT PAYABLES
1 Main Core Capital (CET 1) 34,374,081 43,813,465 31,580,812 40,979,327 Compliance 1. Guarantees issued - -
1.1 Paid Up Capital (After deducted with Treasury Stock) 5,995,577 5,995,577 5,995,577 5,995,577 2. Others - -
STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME 1.2 Disclosed reserves 42,867,579 42,867,579 40,455,860 40,455,860
1. a. Percentage violation on Legal Lending Limit
i. Related parties 0.00% 0.00%
FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2024 AND 2023 1.2.1 Addition Factor
1.2.1.1 Other comprehensive income
43,025,556 43,025,556 40,740,868 40,740,868
68,677 68,677 74,623 74,623 ii. Third parties 0.00% 0.00%
FINANCIAL RATIO
(In million Rupiah, except earning per share) AS OF 31 MARCH 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 31 Mar 2024 31 Mar 2023
INDIVIDUAL CONSOLIDATED measured at fair value through other comprehensive income 68,677 68,677 74,623 74,623 i. Related parties 0.00% 0.00%
NO. ACCOUNTS
31 Mar 2024 31 Mar 2023 31 Mar 2024 31 Mar 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 6.87% 6.06%
1.2.1.2 Other Disclosed Reserves 42,956,879 42,956,879 40,666,245 40,666,245 2. Statutory Reserve Requirements (GWM) 2. Non-performing earning assets to total productive assets“ 1.85% 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 3. Allowance for impairment losses for financial asset to productive asset 3.67% 3.15%
1.2.1.2.2 General reserve 564,076 564,076 529,037 529,037 a. GWM primary IDR
4. NPF gross 1.87% 1.85%
A. Interest Income and Expenses 1.2.1.2.3 Prior years profit 33,575,586 33,575,586 31,333,112 31,333,112 i. Daily 0.00% 0.00%
5. NPF net 1.08% 1.19%
1.2.1.2.4 Current year profit 831,246 831,246 818,125 818,125 ii. Average 7.04% 8.24%
1. Interest Income 3,512,328 2,926,064 5,525,326 4,734,173 1.2.1.2.5 Paid up capital fund - - - - 6. Return On Assets (ROA) 1.03% 3.70%
1.2.1.2.6 Others - - - - b. GWM foreign currency (Daily) 2.00% 2.00% 7. Profit sharing financing to total financing 44.02% 40.77%
2. Interest Expense -/- 1,260,615 772,128 1,533,338 956,489 8. Financing to Deposit Ratio (FDR) 171.46% 180.79%
1.2.2 Deduction Factor (157,977) (157,977) (285,008) (285,008) 3. Net Open Position 1.62% 0.98%
Net Interest Income (Expense) 2,251,713 2,153,936 3,991,988 3,777,684 1.2.2.1 Other comprehensive income (63,623) (63,623) (195,476) (195,476)
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 (63,623) (63,623) (195,476) (195,476) TABLE OF MARGIN DISTRIBUTIONS
1. Gain (loss) from increase (decrease) in fair value 1.2.2.2 Other Disclosed Reserves (94,354) (94,354) (89,532) (89,532) CONSOLIDATED STATEMENTS OF CASH FLOWS
1.2.2.2.1 Disagio - - - - FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2024 AND 2023 FOR THE MONTH OF MARCH 2024
of financial assets (38,569) 130,560 (38,569) 130,560
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 31 Mar 2024 31 Mar 2023 Net Revenue Sharing
value on productive assets - - - -
3. Gain (loss) from sale of financial assets 71,698 61,038 71,698 61,038 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) 102,863 (70,372) 102,863 (70,372) in trading book - - - -
1.2.2.2.6 Under provision between regulatory provision and impairment Interest income, fees and commissions 1,236,377 2,288,590 Average Revenue to be Total bonus Rate of return
5. Gain (loss) from investment under equity method 401,337 384,477 3,492 513 value on non productive assets (94,354) (94,354) (89,532) (89,532) balance distributed Nisbah
Receipts from consumer financing transactions 10,979,234 9,533,142 Type of funding & profit indication
1.2.2.2.7 Others - - - - (%) sharing (%)
6. Gain (loss) on foreign currencies translation 22,142 60 22,286 41 1.3 Minority interest which can be reckoned - - - - Payments for new consumer financing transactions (12,164,675) (13,838,556)
7. Dividend income 2,793 - 2,793 - 1.4 Deduction factor to core capital (14,489,075) (5,049,691) (14,870,625) (5,472,110) Payments of interest, fees and commissions (1,538,260) (1,013,428) A B C D E
1.4.1 Deffered tax calculation (1,974,187) (2,253,239) (2,428,284) (2,823,462) Payments of interests on securities issued (104,536) (92,752)
8. Fees/commissions and administrative income 393,566 412,305 572,371 595,709 1.4.2 Goodwill - (1,074,532) - (1,074,532) 1. Liabilities to other bank - -
9. Other income 127,289 128,717 329,710 284,486 1.4.3 Intangible assets (622,274) (771,813) (514,623) (633,148) Proceeds in relation to joint financing 5,098,231 4,216,376 2. Mudharabah current account
1.4.4 Investment calculated as deduction factor (11,892,614) (950,107) (11,927,718) (940,968) Repayment in relation to joint financing (3,647,030) (3,130,130) a. Bank 225,817 1,918 10 192 1.02
10. Addition (reversal) of Impairment losses 1.4.5 Short of capital on insurance subsidiary company - - - - Other operating income 249,661 372,181 b. Non Bank 1,106,277 9,396 19 1,749 1.90
on financial assets -/- 628,169 567,422 1,216,650 886,302 1.4.6 Capital securitisation exposure - - - -
1.4.7 Other deduction factor to core capital - - - - Gains/(losses) from foreign exchange transactions - net 388,525 (128,129) 3. Mudharabah saving account
11. Losses related to operational risk -/- 937 186 1,011 340 2. Additional Core Capital (AT-1) - - - - Other operating expenses (2,985,442) (2,653,991) a. Bank 170,398 1,447 13 188 1.32
12. Salaries and employee benefits -/- 956,967 899,398 1,507,490 1,532,615 2.1 Instrument that qualified for AT-1 - - - - Non-operating expense - net (14,422) (21,238)
2.2 Agio/Disagio - - - - b. Non Bank 1,011,593 8,592 8 663 0.79
13. Promotion expenses -/- 65,936 70,652 161,949 227,358 2.3 Deduction factor of Additional Core Capital - - - - 4. Mudharabah time deposit
II Supplementary Capital (Tier 2) 1,648,953 1,774,101 1,381,365 1,468,742 Cash flows before changes in operating assets and liabilities (2,502,337) (4,467,935)
14. Other expenses -/- 705,797 685,823 1,054,392 1,012,120 a. Bank
1 Capital instrument in form of shares and others which is qualified for Tier 2 23,333 23,333 3,333 3,333
2 Agio/Disagio - - - - Changes in operating assets and liabilities: - 1 month 29,028 247 25 62 2.56
Operating Income (Expenses) other than Interest (1,274,687) (1,176,696) (2,874,848) (2,656,760) 3 General reserves of regulatory provision on productive assets (max. 1.25% of RWA Credit Risk) 1,625,620 1,750,768 1,378,032 1,465,409 Decrease/(increase) in operating assets: - 3 months 6,992 59 25 15 2.57
4 Deduction factor of Supplementary Capital - - - - Marketable securities and Government Bonds - trading (1,107,675) (2,109,752) - 6 months 2,563 22 25 5 2.34
OPERATING INCOME (LOSS) 977,026 977,240 1,117,140 1,120,924
Total Capital 36,023,034 45,587,566 32,962,177 42,448,069 Securities purchased under resale agreements 1,356,468 3,756,885 - 12 months 21,654 184 25 46 2.55
NON OPERATING INCOME AND EXPENSES 31 Mar 2024 31 Mar 2023 31 Mar 2024 31 Mar 2023 Loans (1,758,268) (137,325) b. Non Bank
DESCRIPTION Description
1. Gain (loss) from sale of premisses and equipment 479 (2,735) 567 (2,650) Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated Prepayments and other assets 462,324 (973,303) - 1 month 1,268,194 10,771 25 2,693 2.55
2. Other non operating income (expenses) (23,073) (28,852) (14,424) (22,007) Increase/(decrease) in operating liabilities - 3 months 1,579,380 13,414 25 3,354 2.55
RISK WEIGHTED ASSETS CAR RATIO
Deposits from customers: - 6 months 360,384 3,061 25 765 2.55
NON OPERATING INCOME (LOSS) (22,594) (31,587) (13,857) (24,657) RWA CREDIT RISK 132,994,090 159,020,073 113,730,910 134,721,594 CET 1 Ratio (%) 23.45% 25.12% 25.07% 27.55% - 12 months 921,868 7,830 25 1,957 2.55
- Current accounts (3,688,066) (4,014,755)
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 954,432 945,653 1,103,283 1,096,267 RWA MARKET RISK 3,305,273 3,447,197 2,201,729 2,202,029 Tier 1 Ratio (%) 23.45% 25.12% 25.07% 27.55% - Savings 57,328 (2,687,487) 5. Financing received - -
RWA OPERATIONAL RISK 10,256,117 11,968,282 10,025,598 11,815,822 Tier 2 Ratio (%) 1.13% 1.02% 1.10% 0.99% - Time deposits 5,638,559 6,010,848
Income tax Total 6,704,148 56,941
TOTAL RWA 146,555,480 174,435,552 125,958,237 148,739,445 Total Ratio (%) 24.58% 26.14% 26.17% 28.54% Deposits from other banks (329,913) 2,036,309
a. Current year tax expenses -/- 7,067 81,295 42,133 199,324
CAR RATIO ACCORDING 9.00% 9.00% 9.00% 9.00% CET 1 FOR 15.58% 17.14% 17.17% 19.54% Accruals and other liabilities (380,678) 325,735
b. Deferred tax income (expenses) (116,119) (46,233) (195,638) (45,747) Average balance Revenue received
TO RISK PROFILE (%) BUFFER (%) Income tax paid during the period (42,389) (231,085)
TOTAL NET PROFIT (LOSS) DURING PERIOD 831,246 818,125 865,512 851,196 Type of financing
CAR ALOCATION ACCORDING BUFFER 3.50% 3.50% 3.50% 3.50% Net cash used by operating activities (2,294,647) (2,491,865) A B
OTHER COMPREHENSIVE INCOME TO RISK PROFILE PERCENTAGE
REQUIREMENT (%) Cash flows from investing activities: 1. Placements at other banks - -
1. Items that will not be reclassified to profit or loss Proceeds from sales of and matured marketable securities and Government 2. Murabahah receivables
a. Gain from fixed asset revaluation - - - - From CET1 (%) 7.87% 7.98% 7.90% 8.01% Capital 2.50% 2.50% 2.50% 2.50%
Bonds - amortized cost and fair value through other comprehensive income 3,631,292 1,671,646 a. Bank - -
Conservation
b. Gain (loss) from remeasurement on defined Acquisition of marketable securities and Government Bonds - amortized cost and b. Non Bank 8,066,306 67,165
Buffer (%)
3. Istishna receivables
benefit pension program - - - - From AT1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical 0.00% 0.00% 0.00% 0.00% fair value through other comprehensive income (7,796,043) (539,434)
a. Bank - -
c. Others 34 - 34 - Buffer (%) Acquisition of fixed assets and intangible assets (236,729) (90,077) b. Non Bank - -
2. Items that will be reclassified to profit or loss From Tier 2 (%) 1.13% 1.02% 1.10% 0.99% Capital Surcharge 1.00% 1.00% 1.00% 1.00% Proceeds from sale of fixed assets 1,154 1,352 4. Multipurpose receivables
a. Gain (loss) from adjustment on translation
for Systemic Receipt from investment 11,871 22,170 a. Bank - -
Bank (%) Acquisition of investment in associate (876,139) - b. Non Bank - -
of financial statements - - - - 5. Pawn financing
Acquisition of investment in shares (4,208) -
b. Gain (loss) from changes in fair value of financial STATEMENT OF SPOT AND DERIVATIVE TRANSACTION Receipt of cash dividends 2,793 - a. Bank - -
assets measured at fair value through other AS OF 31 MARCH 2024 b. Non Bank - -
(In million Rupiah) Net cash (used by)/provided from investing activities (5,266,009) 1,065,657 6. Mudharabah financing
comprehensive income (5,832) 4,468 (5,832) 4,468
INDIVIDUAL a. Bank 100,546 714
c. Others (11,768) 2,366 (12,783) 2,570 Cash flows from financing activities: b. Non Bank 3,090,483 8,508
NO. TRANSACTION Purpose Derivative Receivable and Liabilities
Notional Amount Payments of principal on bonds issued and mudharabah bonds (360,000) (191,000) 7. Musyarakah financing
Other Comprehensive Income Net Of Tax (17,566) 6,834 (18,581) 7,038 Trading Hedging Receivables Liabilities
Proceeds from bonds issuance mudharabah bonds - 10,300 a. Bank - -
TOTAL CURRENT PERIOD PROFIT (LOSS) A. Related to exchange rate Payments of cash dividends - (228) b. Non Bank 2,473,247 7,732
1. Spot 3,010,842 3,010,842 - 1,344 1,412 8. Lease financing
AND COMPREHENSIVE INCOME 813,680 824,959 846,931 858,234 Repayment of borrowings (4,741,096) (5,141,165)
a. Bank - -
2. Forward 9,787,140 9,787,140 - 61,547 32,193 Proceeds from borrowings 7,866,240 8,650,000
Current Period Profit (Loss) attributable to: 3. Option b. Non Bank 575,695 2,471
Decrease in principal of lease liabilities (21,385) (26,014) 9. Other financing
Equity holders of the parent entity 831,246 818,125 831,246 818,125 a. Purchased 7,190 7,190 - 829 5,097
b. Written 1,713,090 1,713,090 - - 857 a. Bank - -
Non-controlling interests - - 34,266 33,071 Net cash provided from financing activities 2,743,759 3,301,893
4. Future - - - - - b. Non Bank 732 -
TOTAL CURRENT PERIOD PROFIT (LOSS) 831,246 818,125 865,512 851,196 5. Swap 35,506,481 35,506,481 - 148,435 200,931 (Decrease)/increase in cash and cash equivalents (4,816,897) 1,875,685
Total 14,307,009 86,590
6. Others - - - - - Net effect on changes in exchange rates on cash and cash equivalent 3,942 (108,505)
Total Current Period Profit (Loss) and B. Related to interest rate -
Cash and cash equivalents at beginning of the period 18,562,802 19,661,337 Notes:
Comprehensive Income attributable to: 1. Forward - - - - -
2. Option *) Total of Murabahah financing exclude margin to be received of Rp 1,460,132 million and Rp 1,362,514 million
Equity holders of the parent entity 813,680 824,959 813,680 824,959 Cash and cash equivalents at end of the period 13,749,847 21,428,517 as of 31 March 2024 and 31 Dec 2023.
a. Purchased - - - - -
Non-controlling interests - - 33,251 33,275
b. Written - - - - - Cash and cash equivalents consist of:
TOTAL CURRENT PERIOD PROFIT (LOSS) 3. Future - - - - - Cash 2,306,903 2,202,775
4. Swap - - - - - Jakarta, 29 April 2024
AND COMPREHENSIVE INCOME 813,680 824,959 846,931 858,234 Current accounts with Bank Indonesia 4,819,768 6,933,662 Sharia Business Unit
5. Others - - - - -
Current accounts with other banks 2,353,094 1,947,365
C. Others 4,291,856 4,291,856 - 13,752 51,909
DIVIDEND (1,226,358) (1,155,810) (1,226,358) (1,155,810) Placements with other banks and Bank Indonesia - maturing within 3 months
TOTAL 54,316,599 54,316,599 - 225,907 292,399
from the date of acquisition 4,270,082 10,344,715
BASIC EARNINGS PER SHARE (in rupiah unit) 85.05 83.71 85.05 83.71 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 13,749,847 21,428,517
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 2024 AND 2023 AS OF 31 MARCH 2024
(In million Rupiah)
BOARD OF COMMISSIONERS Notes:
31 Mar 2024 31 Mar 2023 President Commissioner : Yasushi Itagaki
Vice President Commissioner (Independent) : Halim Alamsyah
1. The financial information as of 31 March 2024 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
Commissioner : Nobuya Kawasaki financial statements of PT Bank Danamon Indonesia Tbk and subsidiary, prepared by the Bank’s management in accordance
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific Commissioner : Dan Harsono
Independent Commissioner : Peter Benyamin Stok with Indonesian Financial Accounting Standards. The above financial information does not contain notes to the consolidated
1. Placements at other banks 300 - - 42,543 - 203 - - 21,617 - Independent Commissioner : Hedy Maria Helena Lapian financial statements.
2. Spot and derivative receivables - - - 2,259 - - - - 5,610 -
3. Marketable securities 1,873 - 301,213 24,746 - 17,395 - - 29,873 - BOARD OF DIRECTORS The above published report are presented in order to comply with Regulation of Financial Service Authority (“POJK”)
4. Securities sold under repurchase agreements (repo) - - - - - - - - - - President Director : Daisuke Ejima
No.37/POJK.03/2019 dated 19 December 2019 regarding “Transparency and Publication of Bank”, and the Circular Letter of
5. Securities purchased under resale agreements (reverse repo) - - - 6,083 - - - - - - Vice President Director : Honggo Widjojo Kangmasto
6. Acceptance receivables 1,676 37 - 12,868 106 2,996 2 1,827 20,412 120 Vice President Director : Hafid Hadeli Financial Service Authority (“SEOJK”) No.09/SEOJK.03/2020 dated 30 June 2020 regarding “Transparency and Publication
Director : Herry Hykmanto
7. Loans and financing 1,910,933 1,008,429 4,598,409 1,339,005 1,963,669 1,465,570 982,392 4,577,202 1,117,149 1,706,531 of Conventional Bank”, POJK No.14/POJK.04/2022 dated 22 August 2022 regarding “Financial Statements Presentation and
Director : Rita Mirasari
8. Investments - - - 119,723 - - - - 120,130 - Director : Dadi Budiana
9. Other receivables 667 - - 4,128 - 3,032 - - 7,079 - Disclosure of Issuer or Public Companies”, and the Bapepam-LK No. KEP 347/BL/2012 dated 25 June 2012 No. VIII.G.7.
Director : Muljono Tjandra
10. Commitment and Contingency 116,341 3,244 49 74,265 12,381 82,024 3,327 12,611 56,162 8,971 Director : Naoki Mizoguchi* regarding “Financial Statements Presentation and Disclosure of Issuer or Public Entities”.
Director : Thomas Sudarma
Director : Jin Yoshida** 2. The consolidated financial statements as of 31 March 2024 and for the three-month period then ended included financial
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY * The term of office Mr. Naoki Mizoguchi ended effectively dated 1 April 2024 based on resolutions of AGMS dated 22 March 2024. statements of subsidiary, i.e. PT Adira Dinamika Multi Finance Tbk.
FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2024 AND 2023
** Mr. Jin Yoshida was appointed as Director based on the decision of the Company’s AGMS on 22 March 2024 and will be effective
(In million Rupiah) Attributable to equity holders of the parent entity as the Company’s Director after passing the Fit and Proper Test from Financial Services Authority (OJK). The end 3. MUFG Bank, Ltd. is wholly-owned subsidiary of Mitsubishi UFJ Financial Group, Inc. which is based in Japan.
Other equity components Retained earnings of Mr. Jin Yoshida’s term of office as ADMF’s Director was approved at the ADMF’s AGMS on 27 March 2024.
Additional Other Changes in fair value on Total before Non- SHARIA SUPERVISORY BOARD 4. Exchange rate as of 31 March 2024: USD 1 = Rp15,855.00; Exchange rate as of 31 December 2023: USD 1 = Rp15,397.00;
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 AS OF 31 MARCH 2024 Exchange rate as of 31 March 2023: USD 1 = Rp14,994.50.
equity measured at fair value through
other comprehensive income - net 1. Chairman : Prof. Dr. H. M. Din Syamsuddin
2. Member : Dr. Hasanudin, M. Ag
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
Other comprehensive Income, net of tax
- - - - - - - 831,246 831,246 34,266 865,512
Thank You for Your Vote of Confidence
Changes in fair value of cashflow hedge-net - - - - - (11,768) - - (11,768) (1,015) (12,783) SHARE OWNERSHIP OF BANK
Remeasurement of obligation for post-employment-benefits - - - - - - - 34 34 - 34 AS OF 31 MARCH 2024
Changes in fair value on Marketable securities, Government Bonds, 7th Infobank Satisfaction, Loyalty, and Engagement Awards 2024
1. MUFG Bank, Ltd. (direct and indirect) 92.47%
and Investments in shares measured at fair value through other
comprehensive income - net - - - - (5,832) - - - (5,832) - (5,832) 2. Public 7.53% by Infobank, category :
Total other comprehensive income - - - - (5,832) (11,768) - 34 (17,566) (1,015) (18,581) Total 100.00% The 3rd Most Satisfying KBMI 3 Bank in Teller Service
Total comprehensive income for the period - - - - (5,832) (11,768) - 831,280 813,680 33,251 846,931
Appropriation for general and legal reserve - - - - - - 35,039 (35,039) - - -
Distribution of cash dividends - - - - - - - (1,226,358) (1,226,358) (77,080) (1,303,438)
Jakarta, 29 April 2024
Retail Banker International Asia Trailblazer Awards 2024
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
Board of Directors by MEED and GlobalData, 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
Net income for the period - - - - - - - 818,125 818,125 33,071 851,196 Best Retail Bank - Indonesia
Other comprehensive income, net of tax
Changes in fair value of cashflow hedge-net - - - - - 2,366 - - 2,366 204 2,570
Remeasurement of obligation for post-employment-benefits - - - - - - - - - - -
Changes in fair value on Marketable securities, Government Bonds, Indonesia CSR Excellence Awards 2024
and Investments in shares measured at fair value through other
comprehensive income - net - - - - 4,468 - - - 4,468 - 4,468 by First Indonesia Magazine, category:
Total other comprehensive income - - - - 4,468 2,366 - - 6,834 204 7,038 1. The Best Integrated CSR
Total comprehensive income for the period - - - - 4,468 2,366 - 818,125 824,959 33,275 858,234
Appropriation for general and legal reserve - - - - - - 33,023 (33,023) - - -
Daisuke Ejima Muljono Tjandra 2. The Best Company in Community Commitment
Distribution of cash dividends - - - - - - - (1,155,810) (1,155,810) - (1,155,810) President Director Director 3. The Best Corporate CSR Program
Balance as of 31 March 2023 5,995,577 7,985,971 189 8,242 (120,853) (478) 528,848 32,115,356 46,512,852 668,054 47,180,906
4. The Best Leadership Focus on CSR for Daisuke Ejima
*) 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)
www.danamon.co.id
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
person
Naoki Mizoguchi
p.1
unresolved
org
Financial Services Authority
p.1 ×2
unresolved
person
Dr. Hasanudin
p.1
unresolved
person
Dr. Asep Supyadillah
p.1
unresolved
org
Indonesia Deposit Insurance Corporation
p.1
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