PT Bank Danamon Indonesia (BDMN) investor relations material

Executive summary

• 9M26 lending grew 13% YoY to Rp232.6tn and funding rose 9% to Rp209.2tn; parent NPAT reached Rp3,495,346m, up 19%.

• Net income was Rp3,888,773m; net operating income reached Rp5,013,607m, up 27%, supported by lower credit costs and improved efficiency.

• Total assets were Rp302,452,431m at 30 September 2026, versus Rp281,738,999m at 31 December 2025.

Financial highlights

• 9M operating income was Rp19.0tn, up 5% YoY; net interest income rose 8% to Rp15.9tn, while non-interest income declined 8% to Rp3.0tn.

• Operating expenses rose 1% to Rp10.2tn; cost of credit fell 5% to Rp3.8tn, and net impairment losses were Rp3,777,028m versus Rp4,031,069m YoY.

• Net interest income was Rp15,948,132m versus Rp14,663,131m in 9M25; basic EPS was Rp357.63 versus Rp301.38.

• Total lending rose 13% YoY to Rp232.6tn; government bonds increased 34% to Rp23.4tn.

• CASA grew 7% to Rp73.9tn and time deposits rose 15% to Rp116.7tn; equity was Rp55.5tn, broadly flat YoY.

Outlook and guidance

• FY26 GDP growth is projected at 5.0%; the BI rate forecast was 4.75% for December 2026, following a 4.75% rate in September.

• 4W wholesale sales gains from GIIAS and one-off fleet purchases are expected to normalize in FY26; 2W demand remained stable.