Indonesia · Delayed Price · Currency is IDR PT Bank Danamon Indonesia Tbk Earnings Call Transcripts
Fiscal Year 2026
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Double-digit growth in lending and funding, improved asset quality, and strong profitability marked the first half of 2026. Strategic focus on ecosystem expansion, digital initiatives, and robust capital positions support optimism for continued growth despite macroeconomic headwinds.
Fiscal Year 2025
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Strong asset and loan growth, improved profitability, and enhanced digital capabilities marked 2025, with the Adira-Mandala merger and ecosystem initiatives driving performance. Asset quality and capital ratios remain robust, and management projects continued growth in 2026.
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Loan and trade finance grew 6% year-on-year, with NPAT up 12% to IDR 1.6 trillion and asset quality improving. Banking segments drove growth as Adira Finance faced auto sector headwinds, while strong capital and group synergies position the company for cautious expansion.
Fiscal Year 2024
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Loan and funding growth remained robust in 2024, but NPAT declined 9% year-on-year due to higher OPEX and credit costs. Asset quality improved, with NPL gross at 1.9% and coverage at 287%. 2025 guidance targets 9%-11% loan growth, with Adira Finance expecting 8%-10% new financing growth.
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Double-digit growth in lending and funding was achieved, with strong asset quality and improved coverage ratios. Adira expects flat new bookings amid automotive sector headwinds, while digital and ecosystem initiatives continue to drive engagement and diversification.