Jakarta, 30 July 2025 – PT Bank Danamon Indonesia Tbk (“Danamon”, IDX: BDMN), a member of MUFG, a global financial services group, today announced its financial and operational performance for the six-month period ended on 30 June 2025 (“1H2025”). Danamon reported a consolidated net profit of Rp1.6 trillion, a 12% increase year-on-year, supported by improved credit cost efficiency, alongside growth in lending and third-party funds, while maintaining solid asset quality.
Daisuke Ejima, President Director of Danamon, stated, “In the first half of 2025, Danamon successfully sustained momentum in lending and funding, accompanied by strong profitability and well maintained asset quality. This achievement reflects Danamon’s commitment to conducting business with governance and prudence, as the foundation of our ‘Grow Together as One Financial Group’ strategy. Danamon remains dedicated to earning customers' trust by providing the best financial solutions, in collaboration with MUFG as our parent company, group members, and strategic partners. We are grateful for the continued support from our customers, partners, shareholders, regulators, the government, and all stakeholders.”
In terms of intermediation, as of 30 June 2025, Danamon recorded consolidated loan and trade finance1 totaling Rp195.7 trillion, representing a 6% year-on-year growth. This was driven by double-digit growth in the Enterprise Banking and Financial Institution, SME Banking, and Consumer Banking segments. On the other hand, a decrease in loans from Adira Finance was aligned with a broader slowdown in Indonesia’s automotive sector during the period. On the funding side, consolidated third-party deposits reached Rp160.1 trillion, growing 10% year-on-year. Of this amount, current accounts and savings accounts (CASA) grew 4% year-on-year.
In terms of profitability, for the six-month period ending on 30 June 2025, Danamon recorded a consolidated operating income of Rp9.4 trillion, remaining stable compared to the same period last year. With a 16% year-on-year decrease in credit costs, Danamon recorded a consolidated net profit of Rp1.6 trillion. The Bank also reported a solid net interest margin (NIM) of 7.0%.
This profitability and business growth were achieved while maintaining healthy asset quality. The loan-at-risk (LAR)2 ratio improved by 210 basis points year-on-year to 9.9%. The non-performing loan (NPL) coverage ratio reached 279.2%, up 16 percentage points year-on-year. The gross NPL ratio improved by 40 basis points year-on-year to 1.8%.
Danamon’s Operational Highlights
Danamon’s operational performance also showed positive momentum, reflecting continued investments to strengthen the Bank’s business foundation. These include investments in digital banking, branding, human resources, and branch transformation.
On the automotive ecosystem, in May–June 2025, Danamon, together with Adira Finance and supported by MUFG, once again served as the Official Bank Partner and Official Multifinance Partner of the Indonesia International Motor Show (IIMS) Surabaya 2025—marking its fourth consecutive participation—as a commitment to supporting Indonesia’s automotive industry.
On the Digital aspect, Danamon upgraded its personal digital banking platform, D-Bank PRO. The app’s new design enables customers to view a comprehensive portfolio dashboard (360 portfolio dashboard) and 24/7 access to foreign exchange (FX) transaction capabilities.
As part of its branch transformation journey, Danamon continued rolling out its Next Gen Branch Concept across Indonesia over the past two years. Coinciding with its 69th anniversary, Danamon also launched Danamon on Wheels, a mobile banking service designed to bring the Bank closer to its customers.
Stronger Integration and Collaboration as One Financial Group
Throughout 1H2025, Danamon consistently strengthened collaboration among group entities, in line with its 2024–2026 medium-term strategy, namely “Grow Together as One Financial Group.”
Recently, Danamon received an approval from the Indonesia Financial Services Authority (“OJK”) to act as the Operational Financial Holding Company (“FHC”) of the MUFG Financial Conglomeration (“MUFG FC”) in Indonesia. MUFG Bank, Ltd. (“MUFG Bank”), as Danamon’s controlling shareholder, appointed Danamon to act as the Operational FHC of the MUFG FC in Indonesia to fulfill the requirements of the Regulation of the Financial Services Authority Number 30 Year 2024 Concerning Financial Conglomerates and Financial Holding Companies (“POJK 30/2024”). In accordance with POJK 30/2024, as FHC, Danamon is responsible to control, consolidate, and oversee all activities of the MUFG FC in Indonesia..
Additionally, following the decisions of shareholders of both companies through an Extraordinary General Meeting of Shareholders 30 June 2025, the shareholders of Adira Finance and Mandala Finance has approved the proposed merger between the two companies, with Adira Finance designated as the surviving entity. The merger plan has also received regulatory approval, and both companies signed the Merger Deed on 16 July 2025, and the merger is targeted to be effective on 1 October 2025.
Adira Finance also signed a Conditional Portfolio Transfer Agreement (“PPPB”) with PT Arthaasia Finance (“AAF”) to acquire AAF’s automotive loan portfolio. The portfolio includes financing for commercial automotive to individual business owners and SMEs, corporate commercial automotive financing, and installment-based hire purchase contracts. The transaction, expected to be completed by October 2025, is anticipated to increase Adira Finance’s asset base, enhance profitability, expand its customer and partner network, and strengthen its market share, particularly in automotive financing.
Further information on Danamon’s 1H2025 performance is available in the Investor & Analyst Briefing presentation, which can be accessed on Danamon’s corporate website. Danamon’s consolidated financial statements will be available on Danamon’s corporate website and Indonesia Stock Exchange’s website.
President Director of Danamon, Daisuke Ejima, together with the Board of Directors at Danamon’s virtual press conference for 1H2025 performance.
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Notes to Editors:
1Loan and trade finance figures also include marketable securities.
2Loan-at-risk includes non-performing loans (NPL), special mention loans, and restructured loans with collectability level 1.
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For media inquiry, please contact:
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Matthew Hanzel Corporate Communications Manager PT Bank Danamon Indonesia Tbk Email: matthew.hanzel@danamon.co.id |
Menara Bank Danamon Jl. HR Rasuna Said Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi Jakarta Selatan 12920, Indonesia
Cellular Phone: Email: hellodanamon@danamon.co.id
The following exchange rates are subject to change without notice. For the latest Currency Info Contact the nearest Danamon branch.
Kurs per 31 July 2025 17:48:37 WIB
| Currency | Buy | Sell |
|---|---|---|
| USDIDR |
16,403
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16,531
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| SGDIDR |
12,628
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12,751
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| AUDIDR |
10,478
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10,729
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| EURIDR |
18,729
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18,911
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D-Point is a point reward program for all banking activities conducted by the customer. It is a loyalty program launched by Danamon to reward the customer’s loyalty.
