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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 2026 AND 31 DECEMBER 2025
(In million Rupiah)
AS OF 31 MARCH 2026 AND 2025
(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 2026 31 Des 2025 31 Mar 2026 31 Des 2025 NO. ACCOUNTS 31 Mar 2026 31 Mar 2025*) 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 2,737,498 2,869,077 2,832,892 2,946,955 I. RELATED PARTIES
2. Placements with Bank Indonesia 6,501,744 9,649,470 6,501,744 9,649,470 1. Placements with other banks STATEMENT OF FINANCIAL POSITION
a. Rupiah - - - - - - - - - - - - AS OF 31 MARCH 2026 AND 31 DECEMBER 2025
3. Placements with other banks 3,181,605 2,616,361 3,345,449 2,822,262 b. Foreign currencies 170,389 - - - - 170,389 85,811 - - - - 85,811 (In million Rupiah)
4. Spot and derivative/forward receivables 308,730 289,525 428,927 347,353 2. Spot and derivative/forward receivables
a. Rupiah 591 - - - - 591 738 - - - - 738 NO. ACCOUNTS 31 Mar 2026 31 Dec 2025
5. Marketable securities 37,649,730 38,598,321 37,570,988 38,523,489 b. Foreign currencies - - - - - - 2,095 - - - - 2,095
3. Marketable securities ASSETS
6. Securities sold under repurchase agreements (repo) 6,306,503 2,291,505 6,306,503 2,291,505 1. Cash 26,292 23,829
a. Rupiah 78,742 - - - - 78,742 159,521 - - - - 159,521
7. Securities purchased under resale agreements b. Foreign currencies 75,759 - - - - 75,759 49,680 - - - - 49,680 2. Placements with Bank Indonesia 899,543 1,734,259
4. Securities sold under repurchase agreements (repo) 3. Placements with other banks - -
(reverse repo) 1,384,719 2,017,413 1,384,719 2,017,413
a. Rupiah - - - - - - - - - - - - 4. Marketable securities 1,202,510 -
8. Acceptance receivables 926,708 1,081,153 926,708 1,081,153 b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased under resale agreements (reverse repo) 5. Financing receivables *) 7,143,854 6,723,956
9. Loans 161,900,221 160,073,136 160,779,360 159,289,592 a. Rupiah - - - - - - - - - - - - 6. Profit sharing financing 8,104,174 6,995,413
10. Sharia financing 16,166,874 14,704,062 15,996,041 14,470,729 b. Foreign currencies - - - - - - - - - - - - 7. Leased financing 918,847 984,693
11. Consumer financing receivables - - 34,648,384 33,899,545 6. Acceptance receivables 7,671 - - - - 7,671 122,321 - - - - 122,321 8. Other earning asset 106,481 84,390
7. Loans and financing 9. Allowance for impairment losses on earning asset (-/-) (567,270) (508,541)
Allowance for impairment losses on consumer financing a. Micro, small and medium debtor
10. Fixed assets and equipment 15,096 15,906
i. Rupiah - - - - - - - - - - - -
receivables -/- - - (1,875,073) (1,867,103) ii. Foreign currencies - - - - - - - - - - - - 11. Non earning asset 581 581
12. Investments 3,372,836 3,427,465 1,419,880 1,472,877 b. Non micro, small and medium debtor 12. Other assets 19,681 14,804
i. Rupiah 1,076,354 - - - - 1,076,354 1,621,775 - - - - 1,621,775
13. Other financial assets 2,212,723 1,990,241 2,297,464 2,082,113 ii. Foreign currencies 967,318 - - - - 967,318 143,266 - - - - 143,266 TOTAL ASSETS 17,869,789 16,069,290
14. Allowance for impairment losses on financial assets -/- c. Restructured Loans
LIABILITIES
i. Rupiah - - - - - - - - - - - -
a. Marketable securities (106,200) (107,188) (106,200) (107,188) ii. Foreign currencies - - - - - - - - - - - - 1. Wadiah saving 945,005 890,946
b. Loans and Sharia financing*) (7,409,784) (7,383,046) (7,554,509) (7,500,757) 8. Investments 3,328,265 - - - - 3,328,265 3,318,802 - - - - 3,318,802 2. Non profit sharing investment funds 8,880,038 9,928,087
9. Other receivables - - - - - - - - - - - - 3. Liabilities to Bank Indonesia - -
c. Others (53,498) (4,390) (53,498) (4,390) 10. Commitments and contingencies 4. Liabilities to other banks 429,867 515,104
15. Intangible assets 2,534,262 2,513,419 5,422,463 5,358,502 a. Rupiah 585,803 - - - - 585,803 1,846,184 14 - - - 1,846,198 5. Marketable securities issued - -
b. Foreign currencies 265,918 - - - - 265,918 269,253 - - - - 269,253
Accumulated amortisation on intangible assets -/- (2,080,981) (2,022,502) (3,542,384) (3,458,666) 6. Other liabilities 76,342 68,044
16. Fixed assets and equipment 4,595,124 4,607,703 6,299,020 6,376,843 II. NON RELATED PARTIES 7. Profit sharing investment funds - -
1. Placements with other banks 8. Working funds 7,446,179 4,398,774
Accumulated depreciation of fixed assets and equipment -/- (2,677,617) (2,614,476) (3,707,290) (3,683,473) a. Rupiah 263,095 - - - - 263,095 128,808 - - - - 128,808 9. Retained earnings 92,358 268,335
b. Foreign currencies 2,748,121 - - - - 2,748,121 1,068,578 - - - - 1,068,578
17. Non earning asset 2. Spot and derivative/forward receivables TOTAL LIABILITIES 17,869,789 16,069,290
a. Idle properties 64,599 64,599 64,599 64,599 a. Rupiah 292,315 - - - - 292,315 281,858 - - - - 281,858
b. Foreign currencies 15,824 - - - - 15,824 8,380 - - - - 8,380
b. Foreclosed assets 361,022 333,679 361,022 333,679 3. Marketable securities STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME
c. Suspense accounts 61 - 61 - a. Rupiah 31,091,894 - - - - 31,091,894 20,435,543 - - - - 20,435,543 FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2026 AND 2025
b. Foreign currencies 6,403,335 - - - - 6,403,335 1,849,935 - - - - 1,849,935 (In million Rupiah)
d. Interbranch assets - - - - 4. Securities sold under repurchase agreements (repo)
18. Leased receivables - - 3,421,893 3,229,498 a. Rupiah 6,306,503 - - - - 6,306,503 9,045,519 - - - - 9,045,519 NO. ACCOUNTS 31 Mar 2026 31 Mar 2025
b. Foreign currencies - - - - - - - - - - - -
19. Other assets 5,939,133 5,301,414 6,766,233 6,078,367 5. Securities purchased under resale agreements (reverse repo) OPERATING INCOME AND EXPENSE
a. Rupiah 1,384,719 - - - - 1,384,719 3,456,939 - - - - 3,456,939 A. Operational Income dan Expense from distribution of fund
TOTAL ASSETS 243,816,012 240,296,941 279,935,396 275,714,367 b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 919,037 - - - - 919,037 961,767 727 - - - 962,494 1. Income from Distribution of Fund
LIABILITIES AND EQUITY 7. Loans and financing a. Income from receivables 240,833 203,540
LIABILITIES a. Micro, small and medium debtor
i. Rupiah 18,717,623 1,640,355 75,810 135,578 494,340 21,063,706 18,768,247 2,298,838 104,958 190,583 456,568 21,819,194 b. Income from profit sharing 129,999 88,265
1. Current accounts 33,641,976 34,388,890 32,856,709 33,851,754 ii. Foreign currencies 126,814 - - - - 126,814 88,663 - - - 693 89,356 c. Leased income 19,539 18,783
2. Savings 42,679,341 39,813,173 42,679,341 39,813,173 b. Non micro, small and medium debtor d. Others 5,780 1,415
i. Rupiah 133,726,133 5,061,594 339,165 433,072 1,234,389 140,794,353 114,989,074 5,751,809 259,127 645,953 1,142,686 122,788,649
3. Time deposits 98,084,189 100,512,102 98,084,189 100,512,102 ii. Foreign currencies 13,847,353 191,197 - - - 14,038,550 14,309,652 216,178 - - - 14,525,830
2. Margin distribution to owners of investment funds -/-
c. Restructured Loans a. Non Profit sharing 91,219 90,853
4. E-money - - - -
i. Rupiah 1,335,217 641,466 136,014 128,862 675,096 2,916,655 2,661,004 751,861 56,156 364,262 752,400 4,585,683 b. Profit sharing - -
5. Loans from Bank Indonesia - - - - ii. Foreign currencies 17,601 191,197 - - - 208,798 21,635 216,178 - - 693 238,506 3. Income after margin distribution 304,932 221,150
8. Investments 44,571 - - - - 44,571 71,170 - - - - 71,170
6. Borrowings from other banks 5,876,123 8,121,769 5,876,123 8,121,769
9. Other receivables 937,565 - - - - 937,565 787,653 - - - - 787,653 B. Other Operating Income and Expenses Except Fund Distribution
7. Spot and derivative/forward liabilities 912,119 1,032,769 912,637 1,047,947 10. Commitments and contingencies
a. Rupiah 100,131,347 281,019 - - 50 100,412,416 104,184,890 299,654 - - - 104,484,544 1. Gain (loss) from foreign currencies translation - (79)
8. Securities sold under repurchase agreements (repo) 7,601,419 2,283,430 7,601,419 2,283,430
b. Foreign currencies 18,870,367 - - - - 18,870,367 16,443,142 7,858 - - - 16,451,000
9. Acceptance payables 926,708 1,081,153 926,708 1,081,153 2. Income as mudharib in mudharabah muqayyadah - -
III. OTHERS INFORMATION 3. Commision/Provision/Fees and administrative 2,282 1,341
10. Marketable securities issued - - 11,662,264 10,166,825 1. Collateralised assets 4. Other income 5,507 7,425
11. Borrowings 25,000 358,500 7,622,907 9,227,093 a. To Bank Indonesia - -
b. To other parties - - 5. Wadiah bonus expense -/- 1,140 6,581
12. Security deposits 7,101 7,583 7,101 7,583 2. Foreclosed assets 361,022 281,321 6. Addition (reversal) of impairment losses on financial assets -/- 136,746 134,026
13. Interbranch liabilities - - - - *) As restated (note 2 and note 4) 7. Losses on operational risk -/- - -
14. Other liabilities 11,043,291 8,402,549 14,418,355 11,589,469 8. Addition (reversal) of impairment losses on other asset (non financial) -/- - -
15. Minority interest - - 3,879,990 3,742,579 STATEMENTS OF COMMITMENTS AND CONTINGENCIES KEY FINANCIAL RATIOS 9. Salaries and employee benefits -/- 21,355 22,101
AS OF 31 MARCH 2026 AND 31 DECEMBER 2025 AS OF 31 MARCH 2026 AND 2025 10. Other expenses -/- 17,930 16,785
TOTAL LIABILITIES 200,797,267 196,001,918 226,527,743 221,444,877 (In million Rupiah) Other Operating Income (Expense) (169,382) (170,806)
INDIVIDUAL CONSOLIDATED NO. RATIOS (%) 31 Mar 2026 31 Mar 2025*)
EQUITY NO. ACCOUNTS OPERATING INCOME (LOSS) 135,550 50,344
16. Issued and fully paid capital 31 Mar 2026 31 Dec 2025 31 Mar 2026 31 Dec 2025 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) 24.53% 24.80%
2. Non-performing earning assets and non productive assets to total earnings 1. Gain (loss) from sale of fixed assets and equipment - -
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) (2,927) (2,072)
and non productive assets 0.92% 1.00%
c. Treasury stock -/- - - - - 2. Outstanding purchase position of spot and NON OPERATING INCOME (LOSS) (2,927) (2,072)
3. Non-performing earning assets to total productive assets 0.87% 0.96%
derivative/forward 55,870,887 50,709,121 55,870,887 50,709,121
17. Additional paid-up capital 4. Allowance for impairment losses for financial asset to productive asset 3.59% 4.23% INCOME (LOSS) DURING PERIOD BEFORE TAX 132,623 48,272
3. Others - - - -
a. Agio 7,985,971 7,985,971 7,807,989 7,807,989 5. NPL gross 1.63% 1.88% Income tax -/- 29,378 10,752
II. COMMITMENT PAYABLES 6. NPL net 0.11% 0.22% INCOME (LOSS) DURING PERIOD NET OF TAX 103,245 37,520
b. Disagio -/- - - - -
1. Unused loans facilities granted to debtors 7. Return on Assets (ROA) before tax 2.23% 1.84%
c. Capital paid in advance - - - - OTHER COMPREHENSIVE INCOME
a. Commited 4,648,825 5,867,306 4,648,825 5,867,306 8. Return on Assets (ROA) after tax 1.61% 1.36%
d. Others 8,222 7,752 115,714 115,244 b. Uncommitted 104,384,852 97,181,308 104,384,852 97,181,308 9. Return on Equity (ROE) 9.04% 7.19% 1. Items that will not be reclassified to profit or loss - -
18. Other comprehensive income 2. Outstanding Irrevocable L/C 1,644,570 1,122,396 1,644,570 1,122,396 10. Net Interest Margin (NIM) including third party premium expenses 7.20% 7.59% 2. Items that will be reclassified to profit or loss - -
3. Outstanding sales position of spot and Other Comprehensive Income Net Of Tax - -
a. Gain 37 264,806 37 288,772 derivative/forward 56,153,894 49,777,710 56,153,894 49,777,710 BANK RATIOS :
b. Loss -/- (355,107) - (312,354) - 4. Others - - - - TOTAL COMPREHENSIVE INCOME DURING PERIOD 103,245 37,520
Performance Ratio
19. Reserves III. CONTINGENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 22.77% 23.41%
a. General reserves 635,576 595,869 635,576 595,869 1. Guarantees received 802,980 777,526 802,980 777,526
2. Non-performing earning assets and non productive assets to total earnings STATEMENTS OF COMMITMENTS AND CONTINGENCIES
and non productive assets 0.83% 0.90% AS OF 31 MARCH 2026 AND 31 DECEMBER 2025
b. Specific reserves - - - - 2. Others - - - - (In million Rupiah)
3. Non-performing earning assets to total productive assets 0.77% 0.86%
20. Retained earnings IV. CONTINGENT PAYABLES NO. ACCOUNTS
4. Allowance for impairment losses for financial asset to productive asset 3.26% 3.79% 31 Mar 2026 31 Dec 2025
a. Previous years 29,371,766 27,261,215 39,424,828 36,715,538 5. NPL gross 1.59% 1.85%
1. Guarantees issued 9,456,257 9,870,514 9,456,257 9,870,514 I.COMMITMENT RECEIVABLES
b. Current year 766,452 3,296,552 1,130,035 3,863,220 2. Others - - - - 6. NPL net 0.09% 0.22% 1. Unused Financing facilities - -
c. Dividend paid -/- (1,389,749) (1,112,719) (1,389,749) (1,112,719) 7. Return on Assets (ROA) before tax 1.55% 2.33% 2. Outstanding purchase position of spot and forward - -
8. Return on Assets (ROA) after tax 1.25% 2.07% 3. Others - -
TOTAL EQUITY ATTRIBUTABLE TO EQUITY CAPITAL ADEQUACY RATIO (CAR) 9. Return on Equity (ROE) 7.78% 12.55%
II. COMMITMENT PAYABLES
1. Unused Financing facilities 4,668,004 4,474,791
HOLDERS OF THE PARENT ENTITY 43,018,745 44,295,023 53,407,653 54,269,490 AS OF 31 MARCH 2026 AND 2025
10. Net Interest Margin (NIM) 4.43% 4.55% 2. Outstanding sales position of spot and forward - -
(In million Rupiah) 3. Others 1,332 -
11. Net Interest Margin (NIM) including third party premium expenses 4.27% 4.40%
TOTAL EQUITY 43,018,745 44,295,023 53,407,653 54,269,490 III. CONTINGENT RECEIVABLES
31 Mar 2026 31 Mar 2025*) 12. Operating expenses to operating income (BOPO) 80.29% 74.74% 1. Guarantees received - -
CAPITAL COMPONENT 13. Cost to Income Ratio (CIR) 56.19% 48.58% 2. Margin receivables on non performing assets 4,133 3,335
Individual Consolidated Individual Consolidated
TOTAL LIABILITIES AND EQUITY 243,816,012 240,296,941 279,935,396 275,714,367 14. Loan to Deposit Ratio (LDR) 97.72% 100.79% 3. Others - -
*) Include Allowance for Impairment Losses on Leased Receivables I Core Capital (Tier 1) 38,406,506 49,178,749 36,451,896 46,031,115 IV. CONTINGENT PAYABLES
1. Main Core Capital (CET 1) 38,406,506 49,178,749 36,451,896 46,031,115 Compliance 1. Guarantees issued 28,215 9,167
1.1 Paid-up Capital (After deducted with Treasury Stock) 5,995,577 5,995,577 5,995,577 5,995,577 1. a. Percentage violation on Legal Lending Limit 2. Others - -
1.2 Disclosed reserves 37,125,386 47,376,470 35,744,589 44,820,550 i. Related parties 0.00% 0.00%
STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME 1.2.1 Addition Factor
1.2.1.1 Other comprehensive income
37,398,281 47,649,365
28,265 40,688
35,924,121 44,995,187
46,411 46,411 ii. Third parties 0.00% 0.00%
FINANCIAL RATIO
FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2026 AND 2025 1.2.1.1.1 Surplus from foreign currency translation - - - - b. Percentage lending in excess of Legal Lending Limit
AS OF 31 MARCH 2026 AND 2025
(In million Rupiah, except earning per share) 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 2026 31 Mar 2025
measured at fair value through other comprehensive income 28,265 40,688 46,411 46,411
1.2.1.1.3 Surplus of fixed assets revaluation - - - - ii. Third parties 0.00% 0.00%
INDIVIDUAL CONSOLIDATED 1. Total Sharia Business Unit (UUS) assets to total Conventional Bank asset which owned UUS 7.33% 6.24%
NO. ACCOUNTS 1.2.1.2 Other Disclosed Reserves 37,370,016 47,608,677 35,877,710 44,948,776 2. Statutory Reserve Requirements (GWM) 2. Non-performing earning assets to total productive assets 1.46% 1.83%
31 Mar 2026 31 Mar 2025*) 31 Mar 2026 31 Mar 2025*) 1.2.1.2.1 Agio 7,985,971 7,807,988 7,985,971 7,985,971 a. GWM primary IDR 3. Allowance for impairment losses for financial asset to productive asset 3.27% 3.36%
1.2.1.2.2 General reserve 635,576 635,576 595,869 595,869 4. NPF gross 1.59% 1.85%
INCOME AND EXPENSES FROM OPERATIONS 1.2.1.2.3 Prior years profit 27,982,017 38,035,079 26,148,449 35,610,333 i. Daily 0.00% 0.00%
1.2.1.2.4 Current year profit 766,452 1,130,034 1,147,421 756,603 ii. Average 5.25% 5.09% 5. NPF net 0.35% 1.18%
A. Interest Income and Expenses 1.2.1.2.5 Paid up capital fund - - - - 6. Return On Assets (ROA) 3.10% 1.42%
b. GWM foreign currency (daily) 2.00% 2.00% 7. Profit sharing financing to total financing 49.62% 47.44%
1. Interest Income 4,120,729 3,829,409 6,794,839 6,334,356 1.2.1.2.6 Others - - - - 3. Net Open Position 1.09% 2.02%
1.2.2 Deduction Factor (272,895) (272,895) (179,532) (174,637) 8. Financing to Deposit Ratio (FDR) 162.88% 155.28%
2. Interest Expense -/- 1,529,325 1,509,233 1,840,747 1,854,022 1.2.2.1 Other comprehensive income (193,906) (193,906) (121,101) (116,206)
1.2.2.1.1 Deficit from foreign currency translation - - - - *) As restated (note 2 and note 4)
Net Interest Income ( Expense ) 2,591,404 2,320,176 4,954,092 4,480,334 1.2.2.1.2 Potential loss from decrease in fair value of financial assets
B. Operating Income and Expense other than Interest measured at fair value through other comprehensive income (193,906) (193,906) (121,101) (116,206) TABLE OF MARGIN DISTRIBUTIONS
1. Gain (loss) from increase (decrease) in fair value
1.2.2.2 Other Disclosed Reserves (78,989) (78,989) (58,431) (58,431) CONSOLIDATED STATEMENTS OF CASH FLOWS
1.2.2.2.1 Disagio - - - - FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2026 AND 2025 FOR THE MONTH OF MARCH 2026
of financial assets (164,336) (112,957) (164,364) (112,957) 1.2.2.2.2 Prior years loss - - - - (In million Rupiah) (In million Rupiah)
1.2.2.2.3 Current year loss - - - -
2. Gain (loss) from decrease (increase) in fair value 1.2.2.2.4 Negative differences between regulatory provision and allowance 31 Mar 2026 31 Mar 2025*) Net Revenue Sharing
of financial liabilities - - - - 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
3. Gain (loss) from sale of financial assets 116,385 111,951 116,385 111,951 in trading book - - - -
1.2.2.2.6 Required regulatory provision for non-productive assets (78,989) (78,989) (58,431) (58,431) Interest income, fees and commissions 3,398,155 3,070,645 Average Revenue to be Total bonus Rate of return
4. Gain (loss) from spot and derivative transaction (realised) 190,500 198,988 190,500 198,988 Nisbah
1.2.2.2.7 Others - - - - Receipts from consumer financing transactions 13,809,485 13,555,626 Type of funding balance distributed & profit indication
5. Gain (loss) from investment under equity method 10,859 (953) 10,859 (953) 1.3 Non-controlling interest - - - - (%) sharing (%)
1.4 Deduction factor to core capital (4,714,457) (4,193,298) (5,288,270) (4,785,012) Payments for new consumer financing transactions (12,401,665) (9,464,346)
6. Gain (loss) from foreign currencies translation - (79) (191) (83) A B C D E
1.4.1 Deffered tax calculation (932,911) (1,360,259) (1,418,387) (1,846,282) Payments of interest, fees and commissions (1,911,076) (1,886,944)
7. Dividend income - 647,252 - - 1.4.2 Goodwill - (1,074,532) - (1,074,532) Payments of interests on securities issued (170,409) (141,598) 1. Liabilities to other bank - - - - -
8. Fees/commissions and administrative income 430,502 391,093 620,861 581,994 1.4.3 Intangible assets (453,281) (805,547) (551,081) (920,699)
1.4.4 Investment calculated as deduction factor (3,328,265) (952,960) (3,318,802) (943,499) Proceeds in relation to joint financing 4,584,540 3,535,953 2. Mudharabah current account
9. Other income 133,319 140,848 387,554 349,263 1.4.5 Short of capital on insurance subsidiary company - - - - Repayment in relation to joint financing (3,808,068) (3,722,368) a. Bank 131,351 1,119 10.00 112 1.02
10. Addition (reversal) of Impairment losses on financial 1.4.6 Capital securitisation exposure - - - - Other operating income 340,697 700,340 b. Non Bank 1,677,927 14,290 6.00 794 0.57
1.4.7 Other deduction factor to core capital - - - -
assets -/- 496,216 585,489 1,069,233 1,204,626 2. Additional Core Capital (AT-1) - - - - Gains from foreign exchange transactions - net (31,181) 99,976 3. Mudharabah saving account
2.1 Instrument that qualified for AT-1 - - - - Other operating expenses (541,974) (3,333,288) a. Bank 114,653 976 13,00 127 1.33
11. Losses related to operational risk -/- 541 195 656 226
2.2 Agio/Disagio - - - - b. Non Bank 1,048,666 8,931 - 20 0.02
12. Salaries and employee benefits -/- 967,715 970,753 1,855,164 1,787,766 2.3 Deduction factor of Additional Core Capital - - - - Non-operating expense - net (4,629) (15,557)
4. Mudharabah time deposit
13. Promotion expenses -/- 57,162 53,945 290,828 195,846 II Supplementary Capital (Tier 2) 1,873,240 2,146,826 1,704,531 1,958,161 Cash flows before changes in operating assets and liabilities 3,263,875 2,398,439 a. Bank
1. Capital instrument in form of shares and others which is qualified for Tier 2 13,333 13,333 18,333 18,333
14. Other expenses -/- 833,650 770,947 1,332,944 1,269,298 2. Agio/Disagio - - - - - 1 month 28,788 245 25.00 61 2.54
Changes in operating assets and liabilities:
Operating Income (Expenses) other than Interest (1,638,055) (1,005,186) (3,387,221) (3,329,559) 3. General reserves of regulatory provision on productive assets (max. 1.25% of RWA Credit Risk) 1,859,907 2,133,493 1,686,198 1,939,828 - 3 months 49,113 418 25.00 105 2.57
4. Deduction factor of Supplementary Capital - - - - Decrease/(increase) in operating assets:
- 6 months 5,000 43 25.00 11 2.64
OPERATING INCOME (LOSS) 953,349 1,314,990 1,566,871 1,150,775 Marketable securities and Government Bonds - trading (635,763) (861,530)
Total Capital 40,279,746 51,325,575 38,156,427 47,989,276 - 12 months 9,273 79 25.00 20 2.59
Securities purchased under resale agreements 632,694 (1,671,140)
31 Mar 2026 31 Mar 2025*) 31 Mar 2026 31 Mar 2025*) b. Non Bank
DESCRIPTION Description Loans (2,902,393) (5,202,586)
NON OPERATING INCOME AND EXPENSES Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated - 1 month 607,747 5,176 25.00 1,294 2.56
Prepayments and other assets (318,643) (649,681) - 3 months 2,985,314 25,424 25.00 6,356 2.55
1. Gain (loss) from sale of fixed assets and equipment 1,174 (595) 1,160 (201) RISK WEIGHTED ASSETS CAR RATIO Increase/(decrease) in operating liabilities: - 6 months 2,253,687 19,193 25.00 4,798 2.55
2. Other non operating income (expenses) (9,239) (23,644) (4,483) (16,243)
RWA CREDIT RISK 163,843,971 193,831,900 149,299,652 177,457,633 CET 1 Ratio (%) 21.71% 23.50% 22.36% 23.79% Deposits from customers: - 12 months 453,558 3,863 25.00 966 2.56
NON OPERATING INCOME (LOSS) (8,065) (24,239) (3,323) (16,444) RWA MARKET RISK 1,853,028 2,014,039 2,990,428 3,291,400 Tier 1 Ratio (%) 21.71% 23.50% 22.36% 23.79% - Current accounts (1,108,105) (1,148,848) 5. Financing received - - - - -
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 945,284 1,290,751 1,563,548 1,134,331 RWA OPERATIONAL RISK 11,193,488 13,401,449 10,750,046 12,724,018 Tier 2 Ratio (%) 1.06% 1.03% 1.05% 1.01% - Savings 2,748,672 1,448,398
TOTAL RWA 176,890,487 209,247,388 163,040,126 193,473,050 Total Ratio (%) 22.77% 24.53% 23.41% 24.80% - Time deposits (2,614,679) (2,221,775) Total 9,365,077 79,757
Income tax
Deposits from other banks (2,246,307) 1,500,034
a. Current year tax expenses -/- 142,156 - 260,722 49,104 CAR RATIO ACCORDING 9.00% 9.00% 9.00% 9.00% CET 1 FOR 13.77% 15.53% 14.41% 15.80%
TO RISK PROFILE (%) BUFFER (%) Accruals and other liabilities 377,565 587,885 Average balance Revenue received
b. Deferred tax income (expenses) (36,676) (143,330) (52,241) (199,298) Type of financing
Income tax paid during the year (326,529) (184,844)
CAR ALOCATION ACCORDING BUFFER A B
TOTAL NET PROFIT (LOSS) DURING PERIOD 766,452 1,147,421 1,250,585 885,929 3.50% 3.50% 3.50% 3.50%
TO RISK PROFILE PERCENTAGE Net cash used by operating activities (3,129,613) (6,005,648)
OTHER COMPREHENSIVE INCOME REQUIREMENT (%) 1. Placements at other banks - -
Cash flows from investing activities: 2. Murabahah receivables
1. Items that will not be reclassified to profit or loss From CET1 (%) 7.94% 7.97% 7.95% 7.99% Capital
2.50% 2.50% 2.50% 2.50%
Conservation Proceeds from sales of and matured marketable securities and Government a. Bank - -
a. Gain from fixed asset revaluation - - - - Buffer (%) Bonds - amortized cost and fair value through other comprehensive income 6,215,229 13,142,047 b. Non Bank 8,440,614 76,763
b. Gain (loss) from remeasurement on defined From AT1 (%) 0.00%
0.00% 0.00%
0.00% 0.00% 0.00% Countercyclical
0.00% 0.00% 3. Istishna receivables
Acquisition of marketable securities and Government Bonds - amortized cost
Buffer (%) a. Bank - -
benefit pension program - - - - and fair value through other comprehensive income (10,955,429) (11,374,245)
From Tier 2 (%) 1.06%
1.00% 1.03%
1.00% 1.05% 1.01% Capital Surcharge
1.00% 1.00% b. Non Bank - -
c. Others (3,180) (8,231) (1,907) (12,502) for Systemic Acquisition of fixed assets and intangible assets (81,428) (155,638) 4. Multipurpose receivables
2. Items that will be reclassified to profit or loss Bank (%) Proceeds from sale of fixed assets 2,201 2,560 a. Bank - -
*) As restated (note 2 and note 4) Receipt from investment 4,718 414 b. Non Bank - -
a. Gain (loss) from adjustment on translation 5. Pawn financing
of financial statements - - - - STATEMENT OF SPOT AND DERIVATIVE TRANSACTION Net (cash used)/provided from by Investing activities (4,814,709) 1,615,138 a. Bank - -
b. Gain (loss) from changes in fair value of financial AS OF 31 MARCH 2026 b. Non Bank - -
(In million Rupiah) Cash flows from financing activities: 6. Mudharabah financing
assets measured at fair value through
INDIVIDUAL Payments of principal on securities sold under repurchase agreements (148,693,276) (71,309,205) a. Bank 170,559 2,581
other comprehensive income (616,226) 54,645 (616,226) 54,645 Proceeds from securities sold under repurchase agreements 154,011,265 78,784,006 b. Non Bank 1,706,211 9,583
NO. TRANSACTION Purpose Derivative Receivable and Liabilities
c. Others - - 23,743 (5,181) Notional Amount 7. Musyarakah financing
Trading Hedging Receivables Liabilities Payments of principal on bonds issued and mudharabah bonds (997,102) (879,000)
a. Bank - -
Other Comprehensive Income Net Of Tax (619,406) 46,414 (594,390) 36,962 Proceeds from bonds issuance mudharabah bonds 2,488,814 2,071,343 b. Non Bank 7,006,740 41,324
A. Related to exchange rate
1. Spot 9,695,660 9,695,660 - 2,878 2,225 Repayment of borrowings (4,903,667) (3,261,677) 8. Lease financing
TOTAL CURRENT PERIOD PROFIT (LOSS)
2. Forward 24,937,772 24,937,772 - 83,658 62,759 Proceeds from borrowings 3,251,225 1,457,075 a. Bank - -
AND COMPREHENSIVE INCOME 147,046 1,193,835 656,195 922,891
3. Option Decrease in principal of lease liabilities (49,270) (52,746) b. Non Bank 962,113 7,927
a. Purchased 534,157 534,157 - 598 489,183 9. Other financing
Current Period Profit (Loss) attributable to: a. Bank - -
b. Written 262,169 262,169 - - 2,711 Net cash provided from financing activities 5,107,989 6,809,796
Equity holders of the parent entity 766,452 1,147,421 1,130,035 837,140 4. Future - - - - - b. Non Bank 542 8
Non-controlling interests - - 120,550 48,789 5. Swap 50,758,109 50,758,109 - 111,518 185,453 (Decrease)/increase in cash and cash equivalent - net (2,836,333) 2,419,286
Total 18,286,779 138,186
6. Others 6,066,188 6,066,188 - 99,446 93,643 Net effect on changes in exchange rates on cash and cash equivalents 97,670 37,041
TOTAL CURRENT PERIOD PROFIT (LOSS) 766,452 1,147,421 1,250,585 885,929 B. Related to interest rate Cash and cash equivalents at beginning of the period 15,418,748 15,241,038 Notes:
Total Current Period Profit (Loss) and Comprehensive 1. Forward - - - - -
2. Option Cash and cash equivalents at end of the period 12,680,085 17,697,365 *) Total of Murabahah and Multijasa financing exclude margin to be received of Rp 1,512,874 million and Rp 1,481,230
Income attributable to: a. Purchased - - - - - million as of 31 March 2026 and 31 December 2025.
Equity holders of the parent entity 147,046 1,193,835 529,417 874,852 b. Written - - - - - Cash and cash equivalents consist of:
Non-controlling interests - - 126,778 48,039 3. Future - - - - - Cash 2,832,892 3,183,895
4. Swap - - - - - Jakarta, 29 April 2026
TOTAL CURRENT PERIOD PROFIT (LOSS) Current accounts with Bank Indonesia 5,443,095 9,305,154
5. Others 100,000 100,000 - 29 114 Sharia Business Unit
AND COMPREHENSIVE INCOME 147,046 1,193,835 656,195 922,891 C. Others 3,673,413 3,673,413 - 10,603 76,031 Current accounts with other banks 2,738,565 1,798,131
DIVIDEND (1,389,749) (1,112,767) (1,389,749) (1,112,767) Placements with other banks and Bank Indonesia - maturing within 3 months
TOTAL 96,027,468 96,027,468 - 308,730 912,119
BASIC EARNINGS PER SHARE (in rupiah unit) 78.42 117.40 115.62 85.65 from the date of acquisition 1,665,533 3,410,185
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 12,680,085 17,697,365
*) As restated (note 2 and note 4) Derivative receivables/liabilities represent the settlement value of a derivative instrument on balances sheet date.
*) As restated (note 2 and note 4) Prof. Dr. H. M. Din Syamsuddin Herry Hykmanto
ALLOWANCE FOR IMPAIRMENT LOSSES Sharia Supervisory Board Director
AS OF 31 MARCH 2026 AND 2025 BANK MANAGEMENT
(In million Rupiah) AS OF 31 MARCH 2026
Notes:
BOARD OF COMMISSIONERS
31 Mar 2026 31 Mar 2025*) 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 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
Commissioner : Takeo Shimotsu*
consolidated financial statements; therefore, the consolidated financial information does not represent a complete presentation
1. Placements at other banks 285 - - 31,816 - 113 - - 12,832 - Independent Commissioner : Hedy Maria Helena Lapian
2. Spot and derivative receivables - - - 3,087 - - - - 2,931 - of the consolidated financial statements.
Independent Commissioner : Muliadi Rahardja*
3. Marketable securities 48 - 106,152 34,687 - 8,387 - 106,496 39,967 - The above published report are presented in order to comply with Regulation of Financial Service Authority (“POJK”) No.37/
4. Securities sold under repurchase agreements (repo) - - - - - - - - - - * The appointment based on resolution of AGMS dated 31 March 2026 and will be effective after passing
5. Securities purchased under resale agreements (reverse repo) - - - 13,847 - - - - 34,569 - the fit and proper test from Financial Services Authority (OJK). POJK.03/2019 dated 20 December 2019 regarding “Transparency and Publication of Bank”, and the Circular Letter of Financial
6. Acceptance receivables 1,092 - 50,545 9,267 - 5,156 - - 10,841 36 Service Authority (“SEOJK”) No.09/SEOJK.03/2020 dated 30 June 2020 regarding “Transparency and Publication of Conventional
BOARD OF DIRECTORS
7. Loans and financing 1,678,716 782,163 4,948,905 1,641,198 1,608,749 1,883,065 874,618 4,811,540 1,460,878 1,822,983 Bank”, POJK No.14/POJK.04/2022 dated 22 August 2022 regarding “Financial Statements Presentation and Disclosure of Issuer
President Director : Nobuya Kawasaki*
8. Investments - - - 33,728 - - - - 33,900 - or Public Companies”, and the Decree of Chairman of Capital Market and Financial Institution Supervisory Board (“Bapepam-LK”)
9. Other receivables 1,576 - - 9,376 - 1,242 - - 7,877 - Director : Herry Hykmanto
10. Commitment and Contingency 108,169 2,995 68 82,901 14,002 145,094 2,420 70 82,403 15,372 Director : Rita Mirasari No. KEP 347/BL/2012 dated 25 June 2012 No. VIII.G.7. regarding “Financial Statements Presentation and Disclosure of Issuer
Director : Dadi Budiana or Public Companies”.
*) As restated (note 2 and note 4) Director : Thomas Sudarma
2. The consolidated financial information as of 31 March 2025, have been restated to reflect the impact of the business combination
Director : Jin Yoshida
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY Director : Yenny Siswanto
of the Subsidiary, in accordance with PSAK 338: Business Combinations of Entities Under Common Control.
FOR THE 3 MONTH PERIOD ENDED 31 MARCH 2026 AND 2025 * The appointment of Nobuya Kawasaki is based on the results of the Annual GMS decision and has passed the fit and proper test 3. Effective 1 October 2025, PT Mandala Multifinance Tbk was merged into PT Adira Dinamika Multifinance Tbk.
(In million Rupiah) Attributable to equity holders of the parent entity from the OJK which is effective 31 March 2026.
4. The Bank’s individual financial information has been prepared in accordance with accounting policies that are consistent with
Other equity components Retained earnings
Other Changes in fair value on Total before Non- SHARIA SUPERVISORY BOARD those applied in the Bank’s consolidated financial statements. For the year ended 31 December 2025, the Bank changed its
Share Additional Changes of Total AS OF 31 MARCH 2026
paid-up paid-up Marketable securities, Government Changes in fair value Equity non-controlling controlling
Equity
accounting policy for investments in Subsidiaries from the equity method to the cost method, in accordance with the designation
capital associate Bonds, and Investments in shares Appropriated Unappropriated*) Merging interest
capital capital measured at fair value through of cashflow hedge-net interest of the Bank as the Operational Financial Conglomerate Parent Company (PIKK) of MUFG Group’s in Indonesia. The impact of
equity other comprehensive income - net Entity 1. Chairman : Prof. Dr. H. M. Din Syamsuddin, MA
2. Member : Prof. Dr. Hasanudin, M. Ag. the change in accounting for investments in Subsidiaries from the equity method to the cost method was booked retrospectively
Balance as of 1 January 2026 5,995,577 7,915,481 189 7,752 465,702 (39,217) 595,680 39,328,326 - 54,269,490 3,742,579 58,012,069
Effect of initial implementation PSAK 413 - - - - - - - (1,505) - (1,505) 10,633 9,128 3. Member : Dr. Asep Supyadillah, M.Ag. as part of retained earnings.
Balance as of 1 January 2026, after initial implementation of PSAK 413 5,995,577 7,915,481 189 7,752 465,702 (39,217) 595,680 39,326,821 - 54,267,985 3,753,212 58,021,197 5. MUFG Bank, Ltd. is wholly owned subsidiary of Mitsubishi UFJ Financial Group, Inc. which is based in Japan.
Net income for the period
Other Comprehensive Income, net of tax
- - - - - - - 1,130,035 - 1,130,035 120,550 1,250,585
SHARE OWNERSHIP OF BANK
Changes in fair value of cashflow hedge-net - - - - - 17,832 - - - 17,832 5,911 23,743 AS OF 31 MARCH 2026 6. Exchange rate as of 31 March 2026: USD 1 = Rp16,994.50; Exchange rate as of 31 December 2025: USD 1 = Rp16,675.00;
Remeasurement of insurance contract under PSAK 117 - - - 470 - - - - - 470 - 470 Exchange rate as of 31 March 2025: USD 1 = Rp16,560.00.
Changes in fair value on Marketable securities, Government Bonds, 1. MUFG Bank, Ltd. (direct and indirect) 92.47%
and Investments in shares measured at fair value through
other comprehensive income - net - - - - (618,920) - - - - (618,920) 317 (618,603)
2. Public 7.53% Thank You for Your Vote of Confidence
Total other comprehensive income - - - 470 (618,920) 17,832 - - - (600,618) 6,228 (594,390) Total 100.00%
Total comprehensive income for the period
Appropriation for general and legal reserve
-
-
-
-
-
-
470
-
(618,920)
-
17,832
-
-
39,707
1,130,035
(39,707)
-
-
529,417
-
126,778
-
656,195
-
9th Infobank Satisfaction, Loyalty, and Engagement (SLE) Awards 2026
Distribution of cash dividends - - - - - - - (1,389,749) - (1,389,749) - (1,389,749) Jakarta, 29 April 2026 by Infobank, Category
Balance as of 31 March 2026 5,995,577 7,915,481 189 8,222 (153,218) (21,385) 635,387 39,027,400 - 53,407,653 3,879,990 57,287,643
Board of Directors 1. Golden Champion In Satisfaction, Loyalty, & Engagement
Balance as of 1 January 2025 5,995,577 7,985,971 189 8,242 (112,277) (10,469) 563,887 36,636,512 2,247,958 53,315,590 1,503,254 54,818,844
Net income for the period**) - - - - - - - 756,602 80,538 837,140 48,789 885,929 2. The 3rd Best KBMI 3 Bank in Customer Centricity
Other comprehensive income, net of tax
Changes in fair value of cashflow hedge-net - - - - - (4,770) - - - (4,770) (411) (5,181) 3. The 3rd Best KBMI 3 Bank in Loyalty
Remeasurement of obligation for post-employment-benefits**) - - - - - - - (1,355) 1,355 - - -
Changes in fair value on Marketable securities, Government Bonds, 4. The 3rd Best KBMI 3 Bank in Perceived Security
and Investments in shares measured at fair value through
other comprehensive income - net - - - - 42,482 - - - - 42,482 (339) 42,143
5. The 2nd Best KBMI 3 Bank in Marketing Engagement
Total other comprehensive income**) - - - - 42,482 (4,770) - (1,355) 1,355 37,712 (750) 36,962 6. The 3rd Most Satisfying KBMI 3 in Mobile Banking
Total comprehensive income for the period**) - - - - 42,482 (4,770) - 755,247 81,893 874,852 48,039 922,891
Appropriation for general and legal reserve - - - - - - 31,793 (31,793) - - - - Nobuya Kawasaki Dadi Budiana Indonesia Top Digital Financial Brands Awards 2026
Distribution of cash dividends - - - - - - - (1,112,767) - (1,112,767) (55,748) (1,168,515)
Balance as of 31 Maret 2025**) 5,995,577 7,985,971 189 8,242 (69,795) (15,239) 595,680 36,247,199 2,329,851 53,077,675 1,495,545 54,573,220 President Director Director by The Iconomics, Category
*) Unappropriated retained earnings include remeasurement of obligation for post-employment benefits
**) As restated (note 2 and note 4)
KBMI 3 – E-Banking
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 penjaminan LPS
Names mentioned 21 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
Financial Services Authority
p.1
unresolved
org
Bapepam-LK
p.1 ×2
unresolved
org
Adira Dinamika Multifinance Tbk.
p.1 ×2
unresolved
person
Prof. Dr. Hasanudin
p.1
unresolved
person
Dr. Asep Supyadillah
p.1
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