PT Bank Danamon Tbk and Subsidiaries Consolidated Financial Statements

STATEMENTS OF FINANCIAL POSITION ASSET QUALITY PRODUCTIVE AND OTHER INFORMATION AS AT 31 MARET 2019 AND 31 DECEMBER 2018 AS AT 31 MARCH 2019 AND 2018 (In million Rupiah) (In million Rupiah) FINANCIAL INFORMATION ON SHARIA BUSINESS UNIT INDIVIDUAL CONSOLIDATED INDIVIDUAL NO. ACCOUNTS This published report are presented to comply with the Copy Circular Letter 31 Mar 2019 31 Des 2018 31 Mar 2019 31 Des 2018 NO. ACCOUNTS 31 Mar 2019 31 Mar 2018 of Otoritas Jasa Keuangan No. 10/SEOJK.03/2017 dated 24 February 2017 ASSETS Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total regarding Transparency and Publication of Sharia Bank and Sharia Business Unit 1. Cash 1,446,277 2,574,176 1,696,198 2,823,776 I. RELATED PARTIES 2. Placements with 18,126,935 14,877,308 18,126,935 14,877,308 1. Placements with other banks 3. Placements with other banks 1,177,558 1,372,785 1,273,242 1,552,882 a. Rupiah 13,923 - - - - 13,923 165,334 - - - - 165,334 STATEMENT OF FINANCIAL POSITION 4. Spot and derivative receivables 135,965 195,535 275,369 449,091 b. Foreign currencies 94,043 - - - - 94,043 220,983 - - - - 220,983 AS AT 31 MARCH 2019 AND 31 DECEMBER 2018 2. Spot and derivative receivables (In million Rupiah) 5. Marketable securities a. Rupiah ------5 - - - - 5 a. Designated at fair value through profit/loss 848,106 59,530 848,106 59,530 b. Foreign currencies 1,514 - - - - 1,514 758 - - - - 758 b. Available for sale 14,704,224 15,036,857 14,649,854 14,974,899 3. Marketable securities NO. ACCOUNTS 31 Mar 2019 31 Dec 2018 c. Held to maturity 10,083 10,366 10,083 10,366 a. Rupiah 54,423 - - - - 54,423 71,815 - - - - 71,815 b. Foreign currencies ------ASSETS d. Loans and receivables 4,168,445 4,871,799 4,168,445 4,871,799 4. Securities sold under repurchase agreements (repo) 6. Securities sold under repurchase agreements (repo) - 246,623 - 246,623 a. Rupiah ------1. Cash 3,001 3,571 7. Securities purchased under resale agreements (reverse repo) 248,226 - 248,226 - b. Foreign currencies ------5. Securities purchased under resale agreements (reverse repo) 2. Placements with Bank Indonesia 503,247 1,203,643 8. Acceptance receivables 1,090,449 1,679,216 1,090,449 1,679,216 a. Rupiah ------9. Loans b. Foreign currencies ------3. Placements with other banks - - a. Designated at fair value through profit/loss - - - - 6. Acceptance receivables 1,265 - - - - 1,265 4,145 - - - - 4,145 7. Loans 4. Marketable securities - - b. Available for sale - - - - a. Debtor micro, small and medium c. Held to maturity - - - - i. Rupiah 21,314 - - - - 21,314 ------5. Financing receivables *) 836,168 759,198 d. Loans and receivables 99,801,751 100,536,129 99,251,751 100,536,129 ii. Foreign currencies ------b. Non debtor micro, small and medium 6. Profit sharing financing 2,473,493 2,512,009 10. Sharia financing 4,035,550 4,035,621 4,035,550 4,035,621 i. Rupiah 596,126 - - - - 596,126 594,479 - - - - 594,479 11. Consumer financing receivables - - 30,166,725 29,698,865 ii. Foreign currencies ------7. Leased financing 725,889 764,413 Allowance for impairment losses on consumer financing c. Restructured Loans i. Rupiah ------8. Other earning asset - 798 receivables -/- - - (1,502,754) (1,436,234) ii. Foreign currencies ------12. Investments 7,501,287 7,956,622 91,853 126,763 d. Properties loan 23,999 - - - - 23,999 12,683 - - - - 12,683 9. Allowance for impairment losses on earning asset (-/-) - - 13. Allowance for impairment losses on financial assets -/- 8. Investments 7,409,434 - - - - 7,409,434 8,906,084 - - - - 8,906,084 a. Individual (2,864) (2,864) a. Marketable securities (39,226) (41,823) (39,226) (41,823) 9. Temporary equity investment ------10. Others receivables ------b. Collective (65,958) (64,311) b. Loans (2,686,129) (2,921,197) (2,686,129) (2,921,197) 11. Productive asset of disposal group classified as held-for-sale 1,841,708 - - - - 1,841,708 c. Others (668) (1,009) (7,296) (8,510) 12. Commitments and contingencies 10. Fixed assets and equipment 6,282 6,376 14. Intangible assets 1,625,216 1,512,608 3,862,687 3,739,611 a. Rupiah 485,201 - - - - 485,201 546,201 - - - - 546,201 b. Foreign currencies ------11. Non earning asset - - Accumulated amortisation on intangible assets -/- (1,158,229) (1,119,049) (2,200,011) (2,151,690) 13. Idle properties ------15. Fixed assets and equipment 4,020,772 4,089,537 4,819,981 4,883,765 14. Foreclosed assets ------12. Allowance for impairment losses on other assets -/- - - 15. Suspense accounts ------Accumulated depreciation of fixed assets and equipment -/- (2,413,401) (2,422,960) (2,979,346) (2,981,157) 13. Other assets 45,007 43,884 16. Non earning asset II. NON RELATED PARTIES 1. Placements with other banks a. Idle properties 73,339 73,417 73,339 73,417 a. Rupiah 214,608 - - - - 214,608 1,002,480 - - - - 1,002,480 TOTAL ASSETS 4,524,265 5,226,717 b. Foreclosed assets 570,976 586,778 570,976 586,778 b. Foreign currencies 854,984 - - - - 854,984 1,743,912 - - - - 1,743,912 c. Suspense accounts 2 40 2 40 2. Spot and derivative receivables a. Rupiah 133,354 - - - - 133,354 38,297 - - - - 38,297 d. Interbranch assets b. Foreign currencies 1,097 - - - - 1,097 7,907 - - - - 7,907 LIABILITIES i. Conducting operational activities in Indonesia - - - - 3. Marketable securities ii. Conducting operational activities outside Indonesia - - - - a. Rupiah 16,012,278 - - - - 16,012,278 18,569,414 - - 13,697 14,926 18,598,037 1. Wadiah saving 201,390 250,704 b. Foreign currencies 3,664,157 - - - - 3,664,157 9,000,054 - - - - 9,000,054 17. Allowance for impairment losses on non financial assets -/- - - - - 4. Securities sold under repurchase agreements (repo) 2. Non profit sharing investment funds 3,156,791 3,924,404 18. Leased receivables - - 226,687 248,124 a. Rupiah ------3. Liabilities to Bank Indonesia - - 19. Deferred tax assets 2,284,650 2,288,081 2,678,621 2,691,880 b. Foreign currencies ------5. Securities purchased under resale agreements (reverse repo) 4. Liabilities to other bank 448,683 598,397 20. Other assets 4,384,377 2,190,520 5,457,925 2,882,800 a. Rupiah 248,226 - - - - 248,226 835,051 - - - - 835,051 21. Asset of disposal group classified as held-for-sale 1,841,708 1,901,584 5,833,796 5,253,517 b. Foreign currencies ------5. Marketable securities issued - - 6. Acceptance receivables 1,089,184 - - - - 1,089,184 1,254,487 - - - - 1,254,487 TOTAL ASSETS 161,798,243 159,589,094 190,042,038 186,762,189 7. Loans 6. Others liabilities 39,135 17,194 a. Debtor micro, small and medium i. Rupiah 23,360,983 2,611,516 124,189 267,390 850,666 27,214,744 25,202,988 2,569,764 208,884 335,127 872,132 29,188,895 7. Profit sharing investment funds - - LIABILITIES AND EQUITY ii. Foreign currencies 77,402 16,157 - - 473 94,032 94,885 - 20,485 1,021 890 117,281 1. Current accounts 16,237,867 16,776,948 15,119,517 15,382,151 b. Non debtor micro, small and medium 8. Working funds 650,749 346,200 2. Savings 32,727,290 33,246,701 32,727,290 33,246,701 i. Rupiah 62,919,070 4,452,637 174,087 553,781 935,450 69,035,025 55,597,125 4,000,487 409,112 250,124 791,143 61,047,991 9. Accumulated gain 27,517 89,818 3. Time deposits 56,844,361 55,358,425 56,791,887 55,066,905 ii. Foreign currencies 6,203,584 533,577 - 3,268 135,631 6,876,060 5,023,918 488,117 - 277,716 177,320 5,967,071 c. Restructured Loans 4. Revenue sharing investment funds 3,358,181 4,175,108 3,213,107 4,000,039 i. Rupiah 1,207,674 525,345 59,436 231,058 179,911 2,203,424 929,075 396,504 189,974 77,261 187,212 1,780,026 TOTAL LIABILITIES 4,524,265 5,226,717 5. Loans from Bank Indonesia - - - - ii. Foreign currencies 131,829 549,734 - - 89,698 771,261 236,118 488,117 20,485 277,716 177,317 1,199,753 6. Borrowings from other banks 3,761,093 3,152,422 3,761,093 3,152,422 d. Properties loan 9,048,265 467,229 32,574 53,619 181,885 9,783,573 5,973,092 287,270 59,090 20,359 76,640 6,416,451 8. Investments 91,828 25 - - - 91,853 109,283 25 - - - 109,308 7. Spot and derivative liabilities 92,620 228,215 365,240 466,185 9. Temporary equity investment ------8. Securities sold under repurchase agreements (repo) - 248,145 - 248,145 10. Others receivables 189,620 - - - - 189,620 61,962 - - - - 61,962 STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME 9. Acceptance payables 1,090,449 1,679,215 1,090,449 1,679,215 11. Productive asset of disposal group classified as held-for-sale ------FOR THE 3 MONTHS PERIODS ENDED 31 MARCH 2019 AND 2018 12. Commitments and contingencies (In million Rupiah) 10. Marketable securities issued 498,728 - 10,658,727 9,639,907 a. Rupiah 36,341,009 253,850 - - 650 36,595,509 34,363,551 207,868 - - 504 34,571,923 11. Borrowings 75,224 75,283 11,807,132 11,853,120 b. Foreign currencies 5,488,571 11,426 - - - 5,499,997 6,645,606 45,971 - - - 6,691,577 12. Security deposits 10,527 11,244 10,527 11,244 13. Idle properties - - 57,748 - 15,591 73,339 59,809 - - - 16,397 76,206 NO. ACCOUNTS 31 Mar 2019 31 Mar 2018 14. Foreclosed assets 205,693 - 365,234 - 49 570,976 468,878 - 112,578 - 48 581,504 13. Interbranch liabilities 15. Suspense accounts 2 - - - - 2 12 - - - - 12 a. Conducting operational activities in Indonesia - - - 554 OPERATING INCOME AND EXPENSE b. Conducting operational activities outside Indonesia - - - - III. OTHERS INFORMATION A. Operational Income dan Expense from distribution of fund 1. Collateralised assets 14. Deferred tax liabilities - - - - a. To Bank Indonesia - - 1. Income from Distribution of Fund 15. Other liabilities 6,165,709 3,326,782 8,392,183 5,367,138 b. To other parties - - 16. Profit sharing investment funds - - - - 2. Total Allowance for impairment losses on earning assets -/- 2,726,023 3,110,217 a. Income from receivables 23,359 11,242 17. Liabilities of disposal group classified as held-for-sale - - 4,582,442 4,708,642 3. Minimum required regulatory provision for earning assets 3,364,805 3,439,435 b. Income from profit sharing 68,639 78,736 4. Percentage of micro, small and medium enterprises credit to total loans 26.32% 30.24% c. Others 26,632 22,674 5. Percentage of micro and small enterprises credit to total loans 7.92% 9.65% TOTAL LIABILITIES 120,862,049 118,278,488 148,519,594 144,822,368 6. Percentage of micro, small and medium enterprises debtors to total debtors 8.57% 11.07% 2. Margin distribution to owners of investment funds -/- 7. Percentage of micro and small enterprises debtor to total debtors 6.89% 8.89% a. Non Profit sharing (57,198) (44,162) EQUITY 8. Others b. Profit sharing - - 18. Issued and fully paid capital a. Chanelling loans 350,561 350,620 b. Chanelling loans Mudharabah Muqayadah - - 3. Income after margin distribution 61,432 68,490 a. Authorized capital 12,238,589 12,238,589 12,238,589 12,238,589 c. Written-off earning assets 791,181 525,462 b. Unpaid capital -/- (6,337,467) (6,337,467) (6,337,467) (6,337,467) d. Recovery on written-off earning assets 225,768 246,167 B. Other Operating Income and Expense c. Treasury stock -/- - - - - e. Charged-off earning assets 1,989,488 253,576 19. Additional paid-up capital 1. Other Operating Income a. Agio 7,256,324 7,256,324 7,256,324 7,256,324 a. Income as mudharib in mudharabah muqayyadah - - b. Disagio -/- - - - - STATEMENTS OF COMMITMENTS AND CONTINGENCIES b. Commision/Provision/Fees and administrative 4,380 2,146 KEY FINANCIAL RATIOS c. Other income 10,734 11,293 c. Donated capital - - - - AS AT 31 MARCH 2019 AND 31 DECEMBER 2018 AS AT 31 MARCH 2019 AND 2018 d. Capital paid in advance - - - - (In million Rupiah) 2. Other Operating Expenses a. Wadiah bonus expense 2,175 680 e. Others - - - - INDIVIDUAL CONSOLIDATED NO. RATIOS (%) 31 Mar 2019 31 Mar 2018 20. Other comprehensive income NO. ACCOUNTS b. Impairment losses on financial assets 10,894 18,373 a. Adjustment in foreign currencies translation - - - - 31 Mar 2019 31 Mar 2018 31 Mar 2019 31 Mar 2018 c. Losses on operational risk 5 4 CONSOLIDATED RATIOS: d. Commision/Provision/Fees and administrative 89 239 b. Gains (losses) from changes in the value of financial I. Capital assets as available for sale (30,090) (132,847) (30,333) (133,091) I. COMMITMENT RECEIVABLES 1. Capital Adequacy Ratio (CAR) 21.96% 21.61% e. Impairment losses on other asset (non financial) - - f. Salaries and employee benefits 11,848 12,499 c. Effective portion on fair value for cash flow hedge (67,094) (55,878) (89,548) (74,593) 1. Unused borrowing facilities II. Earning assets d. Gain on revaluation of fixed asset - - - - 1. Non-performing earning assets and non productive assets to total earnings g. Other expenses 12,525 12,784 a. Rupiah - - - - and non productive assets 2.04% 2.01% 3. Other Operating Income (Expense) (22,422) (31,140) e. Part of other comprehensive income of associates - - - b. Foreign currencies - - - - 2. Non-performing earning assets to total productive assets 2.32% 2.46% f. Actuarial gain (loss) from defined benefit program (133,879) (133,879) (96,546) (96,546) 2. Outstanding buying of spot and derivative contract 11,594,258 11,715,542 11,594,258 11,715,542 3. Allowance for impairment losses for financial asset to productive asset 2.68% 2.83% OPERATING INCOME (LOSS) 39,010 37,350 g. Income tax related to components of other 3. Others - - - - 4. NPL gross 2.77% 3.15% 5. NPL net 1.92% 2.05% NON OPERATING INCOME AND EXPENSE comprehensive income 69,657 95,988 55,021 77,614 II. COMMITMENT PAYABLES h. Others - - - - III. Rentability 1. Gain/(loss) from sale of premisses and equipment (3) - 1. Unused loans facilities granted to debtors 1. Return on Assets (ROA) profit before tax 2.79% 3.30% 2. Gain (loss) on foreign currencies translation (23) (11) 21. Difference in quasi- reorganisation - - - - a. BUMN 2. Return on Assets (ROA) profit after tax 1.98% 2.33% 22. Difference in restructuring value of transaction of entities 3. Return on Equity (ROE) 9.75% 11.48% 3. Income(expenses) non operating expenses (1,148) (1,149) i. Committed 4. NIM including third party premium expenses 8.37% 8.97% under common control - - - - - Rupiah - - - - NON OPERATING INCOME (LOSS) (1,174) (1,160) 23. Others Equity - - - - 5. Cost to income 49.72% 48.22% - Foreign currencies - - - - IV. Liquidity 24. Reserves ii. Uncommitted 1. Net Stable Funding Ratio (NSFR) 121.58% 119.06% INCOME (LOSS) FOR THE PERIOD ENDED BEFORE TAX 37,836 36,190 a. General reserves 429,473 390,251 429,473 390,251 - Rupiah 250,000 250,000 250,000 250,000 2. Liquidity Coverage Ratio (LCR) 147.88% 119.26% Income tax 10,319 9,781 b. Specific reserves - - - - - Foreign currencies - - - - 25. Retained earnings BANK RATIOS: b. Others I. Capital INCOME (LOSS) FOR THE PERIOD ENDED NET OF TAX 27,517 26,409 a. Previous years 26,577,544 24,067,353 26,577,544 24,067,353 i. Committed 149,440 45,426 149,440 45,426 1. CAR 22.83% 22.46% b. Current year 933,137 3,922,172 933,137 3,922,172 ii. Uncommitted 36,028,398 35,666,872 36,028,398 35,666,872 II. Earning assets OTHER COMPREHENSIVE INCOME 2. Unused loan facilities granted to other banks 1. Non-performing earning assets and non productive assets to total earnings 1. Items that will not be reclassified to profit or loss - - TOTAL EQUITY ATTRIBUTABLE TO EQUITY a. Committed and non productive assets 1.95% 1.93% HOLDERS OF THE PARENT EQUITY 40,936,194 41,310,606 40,936,194 41,310,606 i. Rupiah - - - - 2. Non-performing earning assets to total productive assets 2.24% 2.43% 2. Items that will be reclassified to profit or loss - - 26. Non-controlling interests - - 586,250 629,215 ii. Foreign currencies - - - - 3. Allowance for impairment losses for financial asset to productive asset 2.01% 2.24% b. Uncommitted 4. NPL gross 2.96% 3.47% CURRENT PERIOD OTHER COMPREHENSIVE INCOME AFTER TAX - - TOTAL EQUITY 40,936,194 41,310,606 41,522,444 41,939,821 5. NPL net after impairment value 2.06% 2.23% i. Rupiah 199,862 183,938 199,862 183,938 III. Rentability TOTAL LIABILITIES AND EQUITY 161,798,243 159,589,094 190,042,038 186,762,189 ii. Foreign currencies - - - - 1. Return on Assets (ROA) profit before tax 2.69% 3.28% TOTAL CURRENT PERIOD COMPREHENSIVE INCOME 27,517 26,409 3. Outstanding Irrevocable L/C 2. Return on Assets (ROA) profit after tax 2.32% 2.72% a. Offshore L/C 1,245,576 1,571,293 1,245,576 1,571,293 3. Return on Equity (ROE) 9.76% 11.41% STATEMENTS OF PROFIT AND LOSS AND OTHER COMPREHENSIVE INCOME b. Local L/C 347,329 360,589 347,329 360,589 4. NIM 5.47% 6.48% STATEMENTS OF COMMITMENTS AND CONTINGENCIES FOR 3 MONTHS PERIOD ENDED 31 MARCH 2019 AND 2018 4. Outstanding selling of spot and derivative contract 14,030,918 9,954,972 14,030,918 9,954,972 5. NIM including third party premium expenses 5.30% 6.32% AS AT 31 MARCH 2019 AND 31 DECEMBER 2018 5. Others - - - - 6. Operating expenses to operating income 73.34% 69.30% (In million Rupiah) (In million Rupiah, except earning per share) IV. Liquidity III. CONTINGENT RECEIVABLES 1. LDR 94.30% 93.52% NO. ACCOUNTS 31 Mar 2019 31 Dec 2018 INDIVIDUAL CONSOLIDATED 1. Guarantees received 2. Net Stable Funding Ratio (NSFR) 128.06% 124.27% NO. ACCOUNTS a. Rupiah 17,208 14,900 17,208 14,900 3. Liquidity Coverage Ratio ( LCR ) 148.22% 122.03% I. CONTINGENT RECEIVABLES 31 Mar 2019 31 Mar 2018*) 31 Mar 2019 31 Mar 2018*) V. Compliance b. Foreign currencies 74,750 50,848 74,750 50,848 1. Unused Financing facilities - - 2. Interest receivables on non performing assets 1. a. Percentage violation on Legal Lending Limit INCOME AND EXPENSES FROM OPERATIONS a.1. Related parties 0.00% 0.00% 2. Outstanding buying of spot and forward contract - - a. Loan interest income 542,099 531,058 542,099 531,058 a.2. Third parties 0.00% 0.00% A. Interest Income and Expenses b. Other interest - - - - 3. Others - - 1. Interest Income b. Percentage lending in excess of Legal Lending Limit 3. Others - - - - b.1. Related parties 0.00% 0.00% a. Rupiah 2,870,869 2,907,085 5,021,022 4,852,966 IV. CONTINGENT PAYABLES b.2. Third parties 0.00% 0.00% II. COMMITMENT PAYABLES b. Foreign currencies 169,272 125,443 169,272 125,443 2. Statutory Reserve Requirements (GWM) 1. Unused Financing facilities 248,728 345,943 2. Interest Expense 1. Guarantees issued a. GWM Primary IDR 6.51% 6.53% a. Rupiah 4,091,022 4,191,995 4,091,022 4,191,995 b. GWM Foreign Currency 8.04% 8.08% 2. Others 32,032 20,496 a. Rupiah 1,096,620 887,963 1,386,030 1,204,100 b. Foreign currencies 269,080 254,534 269,080 254,534 3 Net Open Position 0.34% 1.04% b. Foreign currencies 96,092 49,705 260,504 167,450 2. Others - - - - Financial Ratios above are included asset of disposal group classified as held-for-sale III. CONTINGENT RECEIVABLES Net Interest Income 1,847,429 2,094,860 3,543,760 3,606,859 1. Guarantees received - - B. Operating Income and Expense other than Interest 2. Margin receivables on non performing assets 5,587 3,995 1. Operating Income other than Interest 1,050,254 946,303 995,939 898,252 CAPITAL ADEQUACY RATIO (CAR) CONSOLIDATED STATEMENTS OF CASH FLOWS 3. Others - - a. Increase in fair value of financial assets AS AT 31 MARCH 2019 AND 2018 FOR THE THREE MONTHS PERIOD ENDED 31 MARCH 2019 AND 2018 i. Marketable securities - 826 - 826 (In million Rupiah) (In million Rupiah) IV. CONTINGENT PAYABLES ii. Loans - - - - 1. Guarantees issued - - 31 Mar 2019 31 Mar 2018 31 Mar 2019 31 Mar 2018 iii. Spot and derivatives 89,553 18,130 89,553 18,130 DESCRIPTION 2. Others - - iv. Other financial assets - - - - Individual Consolidation Individual Consolidation b. Decrease in fair value of financial liabilities - - - - Cash flows from operating activities: I Core Capital (Tier 1) 28,355,049 34,813,606 27,176,417 32,977,354 Interest income, fees and commissions 2,378,795 2,718,692 c. Gain from sale of financial assets 1. Main Core Capital/Common Equity Tier 1 (CET 1) 28,355,049 34,813,606 27,176,417 32,977,354 FINANCIAL RATIO i. Marketable securities 36,715 39,358 36,715 39,358 Receipts from consumer financing transactions 10,850,734 10,386,898 1.1 Paid Up Capital (After deducted with Treasury Stock) 5,901,122 5,901,122 5,901,122 5,901,122 Payments for new consumer financing transactions (9,486,555) (8,587,820) AS AT 31 MARCH 2019 AND 2018 ii. Loans - - - - 1.2 Disclosed reserves 34,456,706 35,095,489 32,498,606 32,794,491 Payments of interest, fees and commissions (1,515,338) (1,237,230) iii. Other financial assets - - - - 1.2.1 Addition Factor 35,174,576 35,174,576 32,827,824 32,827,824 NO. ACCOUNTS 31 Mar 2019 31 Mar 2018 1.2.1.1 Other comprehensive income (21,902) (21,902) 69,250 69,250 Payments of interests on securities issued (235,737) (223,959) d. Gain from spot and derivative transaction (realised) 56,703 23,929 56,703 23,929 1.2.1.1.1 Surplus from foreign currency translation - - - - Proceeds in relation to joint financing 3,909,931 3,021,944 1 Total Sharia Business Unit (UUS) assets to total Conventional Bank asset which owned UUS 2.80% 3.34% e. Dividend 295 - 295 - 1.2.1.1.2 Potential profit from increase of fair value of financial asset Repayment in relation to joint financing (3,285,453) (4,251,666) f. Gain from investment under equity method 426,786 408,150 - - in available for sale category (21,902) (21,902) 69,250 69,250 Receipts from insurance operation - 239,125 2 Non-performing earning assets to total productive assets 2.13% 1.10% g. Fees/commissions and administrative 302,808 328,625 474,226 502,931 1.2.1.1.3 Surplus of fixed assets revaluation - - - - Other operating income 185,398 213,754 3 Allowance for impairment losses for financial asset to productive asset 1.55% 1.34% h. Recovery of impairment loss reserves 4,085 2,175 5,058 2,410 1.2.1.2 Other Disclosed Reserves 35,196,478 35,196,478 32,758,574 32,758,574 Losses from foreign exchange transactions - net 117,586 40,013 i. Other income 133,309 125,110 333,389 310,668 1.2.1.2.1 Agio 7,256,324 7,256,324 7,256,324 7,256,324 Other operating expenses (2,437,458) (2,329,361) 1.2.1.2.2 General reserve 429,473 429,473 390,251 390,251 Non-operating expenses - net (4,844) 16,322 4 NPF gross 2.47% 1.36% 2. Operating Expenses other than Interest 1,874,514 1,877,148 3,357,805 3,173,552 1.2.1.2.3 Prior years profit 26,577,544 26,577,544 24,067,400 24,067,400 5 NPF net 2.11% 1.00% a. Decrease in fair value of financial assets 1.2.1.2.4 Current year profit 933,137 933,137 1,044,599 1,044,599 Cash flows before changes in operating assets and liabilities 477,059 6,712 i. Marketable securities 487 - 487 - 1.2.1.2.5 Paid up capital fund - - - - Changes in operating assets and liabilities: 6 Return On Assets (ROA) 3.22% 3.00% ii. Loans - - - - 1.2.1.2.6 Others - - - - Decrease/(increase) in operating assets: iii. Spot and derivatives 38,954 53 38,954 53 1.2.2 Deduction Factor (717,870) (79,087) (329,218) (33,333) Placements with other banks and Bank Indonesia - maturing more than 3 months 7 Profit sharing financing to total financing 59.17% 71.27% 1.2.2.1 Other comprehensive income - - - - from the date of acquisition (595,901) (1,657,226) iv. Other financial assets - - - - 1.2.2.1.1 Deficit from foreign currency translation - - - - 8 Financing to Deposit Ratio (FDR) 113.91% 85.42% b. Increase in fair value of financial liabilities - 271 - 271 Marketable securities and Government Bonds - trading (788,744) 1,154,276 1.2.2.1.2 Potential loss from decrease of fair value of financial asset Securities purchased under resale agreements (248,226) (539,023) c. Losses from sale of financial assets in available for sale category - - 1.2.2.2 Other Disclosed Reserves (717,870) (79,087) (329,218) (33,333) Loans 1,094,209 1,034,433 i. Marketable securities - - - - Prepayments and other assets (1,585,868) (1,561,307) TABLE OF MARGIN DISTRIBUTIONS ii. Loans - - - - 1.2.2.2.1 Disagio - - - - 1.2.2.2.2 Prior years loss - - - - Increase/(decrease) in operating liabilities: FOR THE MONTH OF MARCH 2019 iii. Other financial assets - - - - 1.2.2.2.3 Current year loss - - - - (In million Rupiah) d. Losses from spot and derivative transaction (realised) 61,829 9,306 61,829 9,306 Deposits from customers: 1.2.2.2.4 Under provision between regulatory provision and impairment - Current accounts (279,580) 640,221 Depositor’s portion e. Impairment losses on financial assets value on productive assets (638,783) - (295,885) - Revenues - Savings (492,083) (981,870) Type Average i. Marketable securities 8 12,111 8 12,111 1.2.2.2.5 Negative difference on fair value adjustment of financial NO. to be Nisbah Total bonus Rate of return - Time deposits 1,158,074 (302,785) of funding balance instrument in trading book - - - - distributed & profit indication ii. Loans 364,324 404,837 779,743 763,209 1.2.2.2.6 Under provision between regulatory provision and impairment Deposits from other banks 608,730 1,029,715 (%) sharing (%) iii. Sharia financing 10,862 18,269 10,862 18,269 value on non productive assets (79,087) (79,087) (33,333) (33,333) Accruals and other liabilities 347,354 (175,187) iv. Other financial assets - - 1,479 3,839 1.2.2.2.7 Others - - - - Income tax paid during the period (295,224) (406,810) A B C D E f. Losses related to operational risk 1,020 1,509 1,063 2,035 1.3 Minority interest which can be reckoned - - - - Net cash used by operating activities (600,200) (1,785,851) 1.4 Deduction factor to core capital (12,002,779) (6,183,005) (11,223,311) (5,718,259) A. FINANCING g. Losses from investment under equity method - - - - Cash flows from investing activities: 1.4.1 Deffered tax calculation (2,284,650) (2,678,621) (1,956,611) (2,332,174) 1. Bank 206,703 1,488 - - - h. Commissions/provision/fees and administrative 71,899 72,798 76,465 75,293 1.4.2 Goodwill - (1,074,532) - (1,074,532) Proceeds from sales of and matured marketable securities and Government i. Losses from decrease in value of non financial assets 11,382 8,007 12,144 8,047 1.4.3 Other intangible assets (466,987) (588,144) (360,616) (469,760) Bonds - held-to-maturity and available-for-sale 4,748,153 9,831,055 2. Non Bank 3,834,604 20,366 - - - Acquisition of marketable securities and Government Bonds - held-to-maturity j. Salaries and employee benefits 738,395 763,602 1,223,017 1,202,504 1.4.4 Investment calculated as deduction factor (9,251,142) (1,841,708) (8,906,084) (1,841,793) 1.4.5 Short of capital on insurance subsidiary company - - - - and available-for-sale (2,867,392) (13,779,703) B. FUNDING k. Promotion expenses 18,897 40,845 19,035 41,570 1. Wadiah current accounts l. Other expenses 556,457 545,540 1,132,719 1,037,045 1.4.6 Capital securitisation exposure - - - - Acquisition of fixed assets and intangible assets (162,080) (84,606) 1.4.7 Other deduction factor to core capital - - - - Proceeds from sale of fixed assets 904 70,403 a. Bank 3,884 33 - - - Net Operating Expenses other than Interest (824,260) (930,845) (2,361,866) (2,275,300) 2. Additional Core Capital (AT-1) - - - - Receipt from investment 75,038 78,588 b. Non Bank 168,517 1,435 - - - OPERATING PROFIT 1,023,169 1,164,015 1,181,894 1,331,559 2.1 Instrument that qualified for AT-1 - - - - Withdrawal of time deposits 45,909 1,985,402 2. Mudharabah current accounts NON OPERATING INCOME AND EXPENSES 2.2 Agio/Disagio - - - - Receipt of cash dividends 295 - a. Bank 26,131 223 10 22 1.02 2.3 Deduction factor of Additional Core Capital - - - - Net cash provided from/(used by) investing activities 1,840,827 (1,898,861) 1. Gain/(loss) from sale of premisses and equipment (11,570) 2,429 (11,293) 2,542 II Supplementary Capital (Tier 2) 1,179,278 1,322,825 1,130,864 1,248,484 b. Non Bank 464,724 3,958 10 396 1.02 2. Gain (loss) on foreign currencies translation (23) (11) (147) (6) 1 Capital instrument in form of subordinated loan which is qualified for Tier 2 23,333 23,333 - - Cash flows from financing activities: 3. Wadiah savings 3. Income(expenses) non operating expenses (19,968) 9,507 (13,392) 15,545 2 Agio/Disagio - - - - (Decrease)/increase in securities sold under repurchase agreements (248,145) 48,957 a. Bank - - - - - NON OPERATING PROFIT (LOSS) (31,561) 11,925 (24,832) 18,081 3 General allowance for possible losses on earning assets (max. 1.25% of RWA Credit Risk) 1,155,945 1,299,492 1,130,864 1,248,484 Payments of principal on bonds issued and mudharabah bonds (330,500) (2,038,000) b. Non Bank 7,578 65 - - - 4 Deduction Factor of Supplementary Capital - - Proceeds from bonds issuance mudharabah bonds 1,365,821 3,090,975 CURRENT PERIOD PROFIT BEFORE INCOME TAX 991,608 1,175,940 1,157,062 1,349,640 4. Mudharabah savings Total Capital 29,534,327 36,136,431 28,307,281 34,225,838 Payments of cash dividends (92,479) (160) a. Bank 30,446 259 13 34 1.33 1 Income tax Proceeds from borrowings 3,300,000 2,299,395 31 Mar 2019 31 Mar 2018 31 Mar 2019 31 Mar 2018 b. Non Bank 665,830 5,670 13 737 1.33 a. Income tax expenses 173,408 209,359 328,738 362,563 DESCRIPTION Description Repayments of borrowings (3,345,977) (1,867,562) b. Deferred tax expenses (income) (22,899) 5,010 (9,010) 13,609 Individual Consolidation Individual Consolidation Individual Consolidation Individual Consolidation 5. Mudharabah deposits Net cash provided form financing activities 648,720 1,533,605 a. Bank PROFIT FROM CONTINUING OPERATIONS 841,099 961,571 837,334 973,468 RISK WEIGHTED ASSETS CAR RATIO Net decrease in cash and cash equivalents from disposal group cassified as held for sale (513,093) - - 1 month 348,226 2,966 42 1,246 4.29 PROFIT FROM DISPOSAL GROUP CLASSIFIED RWA CREDIT RISK 105,801,295 129,914,667 101,932,084 124,113,584 CET 1 Ratio 21.92% 21.16% 21.57% 20.82% Net increase/(decrease) in cash and cash equivalents 1,376,254 (2,124,107) - 3 months 78,403 668 42 281 4.29 AS HELD FOR SALE 92,038 82,757 142,689 115,180 Net effect on changes in exchange rates on cash and cash equivalent (81,986) 65,144 - 6 months - - - - - NET PROFIT 933,137 1,044,328 980,023 1,088,648 RWA MARKET RISK 450,668 451,300 443,519 444,075 Tier 1 Ratio 21.92% 21.16% 21.57% 20.82% - 12 months 14,511 124 42 52 4.31 Cash and cash equivalents as at beginning of the period 19,028,980 15,834,242 OTHER COMPREHENSIVE INCOME b. Non Bank Continuing operations: RWA OPERATIONAL RISK 23,106,050 34,152,959 23,637,973 33,838,458 Tier 2 Ratio 0.91% 0.80% 0.90% 0.79% Cash and cash equivalents at end of the period 20,323,248 13,775,279 - 1 month 1,747,784 14,885 42 6,252 4.29 1 Items that will not be reclassified to profit or loss Cash and cash equivalents consist of: - 3 months 518,911 4,419 42 1,856 4.29 a. Gain from fixed asset revaluation - - - - TOTAL RWA 129,358,013 164,518,926 126,013,576 158,396,117 Total Ratio 22.83% 21.96% 22.46% 21.61% Cash 1,696,198 2,038,004 - 6 months 41,579 354 42 149 4.29 b. Remeasurement on defined benefit program - - - - Current accounts with Bank Indonesia 5,648,095 6,984,015 - 12 months 84,103 716 42 301 4.29 c. Other comprehensive income of associates entity - - - - CAR RATIO ACCORDING 9.00% 9.00% 9.00% 9.00% CET 1 FOR 13.83% 12.96% 13.46% 12.61% Current accounts with other banks 1,084,931 1,972,864 d. Others - - - - TO RISK PROFILE BUFFER Placements with other banks and Bank Indonesia - maturing within 3 months TOTAL 4,200,627 35,775 e. Income tax relating to items that will not be reclassified CAR ALOCATION ACCORDING BUFFER 3.500% 3.500% 2.625% 2.625% from the date of acquisition 11,894,024 2,780,396 to profit or loss - - - - TO RISK PROFILE PERCENTAGE Total cash and cash equivalents 20,323,248 13,775,279 Notes: 2 Items that will be reclassified to profit or loss REQUIREMENT *) Total of Murabahah and Istishna financing exclude margin to be received of Rp 147,732 million and Rp 136,305 million a. Adjustment from translation of financial statements - - - - From CET1 8.09% 8.20% 8.10% 8.21% Capital 2.500% 2.500% 1.875% 1.875% as at 31 March 2019 and 31 December 2018. b. Gain (loss) from change value of financial assets Conservation ALLOWANCE FOR IMPAIRMENT LOSSES Buffer available for sale 70,408 (73,473) 55,654 (78,447) AS AT 31 MARCH 2019 AND 2018 From AT1 0.00% 0.00% 0.00% 0.00% Countercyclical 0.000% 0.000% 0.000% 0.000% (In million Rupiah) , 24 April 2019 c. Effective portion of cash flow hedges (11,216) 10,042 (16,242) 14,543 Buffer Sharia Business Unit d. Others - - - - From Tier 2 0.91% 0.80% 0.90% 0.79% Capital Surcharge 1.000% 1.000% 0.750% 0.750% 31 Mar 2019 31 Mar 2018 e. Income tax relating to items that will be reclassified for D-SIB to profit or loss (26,329) 15,027 (22,270) 11,392 No ACCOUNTS Impairment Loss Allowance Minimum Required Regulatory Impairment Loss Allowance Minimum Required Regulatory Other Comprehensive Income Net of Tax STATEMENT OF SPOT AND DERIVATIVE TRANSACTION Individual Collective General Specific Individual Collective General Specific from Continuing Operations 32,863 (48,404) 17,142 (52,512) AS OF 31 MARCH 2019 Disposal group classified as held-for-sale: (In million Rupiah) 1 Placements at other banks - 668 11,776 - - 2,881 31,327 - Prof. Dr. KH. Muhammad Sirajuddin Syamsuddin, MA Herry Hykmanto Items that will be reclassified to profit or loss 2 Spot and derivative receivables - - 1,360 - - - 470 - Gain (loss) from change value of financial assets INDIVIDUAL 3 Marketable securities - 39,226 74,261 - 196 53,639 99,046 21,775 Sharia Supervisory Board Director available for sale 32,348 (31,613) 50,697 (30,153) NO. TRANSACTION Purpose Derivative Receivable and Liabilities 4 Securities sold under repurchase Notional Amount agreements (repo) ------Other Comprehensive Income Net of Tax from Trading Hedging Receivables Liabilities 5 Securities purchased under resale Disposal Group Classified as Held-For-Sale 32,348 (31,613) 50,697 (30,153) agreements (reverse repo) ------Notes: A. Related to exchange rate 6 Acceptance receivables - - 10,904 - - 87 12,586 - TOTAL CURRENT PERIOD COMPREHENSIVE INCOME 998,348 964,311 1,047,862 1,005,983 1. Spot 3,182,782 3,182,782 - 3,341 2,773 1. The above financial information is extracted from the consolidated financial statements of PT Bank Danamon Indonesia Tbk 7 Loans 658,179 2,027,951 902,811 2,194,946 1,053,901 1,999,513 843,413 2,240,304 (the “Bank”) and subsidiaries as of 31 March 2019 and for the three-month period then ended, prepared by the Bank’s Current period profit attributable to: 2. Forward 2,529,031 2,529,031 - 32,485 7,363 8 Investments (*) - - 93,430 1 - - 90,154 1 management in accordance with Indonesian Financial Accounting Standards. The above financial information does not EQUITY HOLDERS OF THE PARENT ENTITY 3. Option - - - - - 9 Temporary equity investment ------Net income from continuing operations 841,099 961,571 800,674 938,343 a. Purchased - - - - - 10 Others receivable - - 1,896 - - - 620 - contain notes to the consolidated financial statements. Net income from disposal group classified as held-for-sale 92,038 82,757 132,463 105,985 b. Written - - - - - 11 Commitment and Contingency - - 59,507 13,914 - - 53,249 13,157 The above published report are presented in order to comply with Regulation of Financial Service Authority (“POJK”) NON-CONTROLLING INTERESTS 4. Future - - - - - (*) Included asset of disposal group classified as held-for-sale. No. 6/POJK.03/2015 dated 31 March 2015 regarding “Transparency and Publication of Bank” and its amendment Non-controlling from continuing operations - - 36,660 35,125 5. Swap 13,431,312 13,431,312 - 67,574 56,577 of POJK No. 32/POJK.03/2016 dated 8 August 2016, and the Copy of Circular Letter of Financial Service Authority Non-controlling from disposal group classified as held-for-sale - - 10,226 9,195 6. Others - - - - - BANK MANAGEMENT (“SEOJK”) No. 43/SEOJK.03/2016 dated 28 September 2016 regarding “Transparency and Publication of Conventional TOTAL CURRENT PERIOD PROFIT 933,137 1,044,328 980,023 1,088,648 B. Related to interest rate AS OF 31 MARCH 2019 Bank”, Regulation of Capital Market and Financial Institution Supervisory Agency (“Bapepam-LK” which function has Total Current Period Comprehensive Income attributable to: 1. Forward - - - - - been transferred to Financial Service Authority (”OJK”) starting 1 January 2013) No. VIII.G.7. Appendix to the Decree EQUITY HOLDERS OF THE PARENT ENTITY 2. Option - - - - - BOARD OF COMMISSIONERS of the Chairman of Bapepam-LK No. Kep-347/BL/2012 regarding “Financial Statements Presentation and Disclosure 1. President Commissioner : Ng Kee Choe of Issuer or Public Companies”. Net income from continuing operations 873,962 913,167 818,782 884,966 a. Purchased - - - - - 2. Vice President Commissioner (Independent) : Johanes Berchmans Kristiadi Pudjosukanto Net income from disposal group classified as held-for-sale 124,386 51,144 179,566 79,345 b. Written - - - - - 3. Commissioner : Gan Chee Yen 2. The consolidated financial statements as of 31 March 2019 and for the three-month period then ended included financial NON-CONTROLLING INTERESTS 3. Future - - - - - 4. Commissioner (Independent) : Manggi Taruna Habir 4. Swap - - - - - statements of subsidiaries, i.e. PT Adira Dinamika Multi Finance Tbk, PT Asuransi Adira Dinamika, and PT Adira Quantum Non-controlling from continuing operations - - 35,694 35,990 5. Commissioner (Independent) : Made Sukada Multifinance (in liquidation). Non-controlling from disposal group classified as held-for-sale - - 13,820 5,682 5. Others - - - - - 6. Commissioner : Takayoshi Futae TOTAL CURRENT PERIOD COMPREHENSIVE INCOME 998,348 964,311 1,047,862 1,005,983 C. Others 2,069,195 2,069,195 - 32,565 25,907 7. Commissioner : Masamichi Yasuda 3. Certain accounts in the financial statements for the three-month period then ended 31 March 2018 have been reclassified 8. Commissioner (Independent) : Peter Benyamin Stok to conform to the presentation of financial statements for the three-month period then ended 31 March 2019. DIVIDEND (1,372,760) (1,288,559) (1,372,760) (1,288,559) TOTAL 21,212,320 21,212,320 - 135,965 92,620 BASIC EARNINGS PER SHARE Market value represents total notional amount buy and sell position at gross basis. BOARD OF DIRECTORS 4. MUFG Bank, Ltd. (“MUFG Bank”) has increased its investment in the Bank to 40.0% shareholding interests by acquiring Net income from continuing operations 87.76 100.33 83.54 97.90 A notional amount is a number of currency units specified in the contract. 1. President Director : Sng Seow Wah (directly or indirectly) shares from Asia Financial ( Indonesia) Pte. Ltd. (“AFI”) and its affiliated entities and had been Net income from disposal group classified as held-to-sale 9.60 8.63 13.82 11.06 Derivative receivables/liabilities represent the settlement value of a derivative instrument on balances sheet date. 2. Vice President Director : Michellina Laksmi Triwardhany approved by OJK on 26 July 2018. 3. Director : Herry Hykmanto *) Reclassified 4. Director : Satinder Pal Singh Ahluwalia 5. AFI is wholly-owned by Fullerton Financial Holdings Pte.Ltd., which is an indirect and wholly-owned subsidiary of Temasek CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY 5. Director : Adnan Qayum Khan Holdings Pte. Ltd. which is an investment holding company based in Singapore and owned by the Ministry of Finance FOR THE 3 MONTHS PERIODS ENDED 31 MARCH 2019 AND 2018 6. Director : Heriyanto Agung Putra of Singapore. (In million Rupiah) 7. Director (Independent) : Rita Mirasari Attributable to equity holders of the parent entity 8. Director : Dadi Budiana 6. On 27 September 2018, the Bank and Zurich Insurance Company Ltd have signed Conditional Sale and Subscription Other equity components Retained earnings 9. Director : Yasushi Itagaki Agreement (“CSSA”) related to the plan to sell the Bank’s shares in PT Asuransi Adira Dinamika (“AI”) of 70% of the Additional Other Non- Share Changes in fair value on Total before Total shares issued by AI. This transaction is due on preliminary conditions, including regulatory approval. paid-up paid-up available-for-sale marketable Changes in fair value Unappropriated*) non-controlling controlling capital securities, Government Appropriated interest Equity SYARIAH SUPERVISORY BOARD capital capital Bonds, and investments in of cashflow hedge-net interest AS OF 31 MARCH 2019 7. On 22 January 2019, the Bank along with PT Bank Nusantara Parahyangan Tbk, has signed the Merger Plan shares-net 1. Chairman : Prof. Dr. KH. Muhammad Sirajuddin Syamsuddin, MA. and submitted to OJK. The Bank has received the effective statement from OJK (Capital Market Supervisory) on Balance as of 1 January 2019 5,901,122 7,256,324 189 (98,328) (55,878) 390,062 27,917,115 41,310,606 629,215 41,939,821 2. Member : Drs. Hasanudin, M. Ag. 21 March 2019 and has approved by the shareholders on the Extraordinary General Meeting of Shareholders held on Total Income for the period 3. Member : Drs. Asep Supyadillah, M. Ag. 26 March 2019. The merger plan is subject to approval by the relevant regulatory authorities, and the completion of Net Income for the period ------933,137 933,137 46,886 980,023 other formal requirements necessary. Other Comprehensive Income, net of tax SHARE OWNERSHIP OF BANK Changes in fair value of cashflow hedge-net - - - - (11,216) - - (11,216) (966) (12,182) 8. Exchange rate as of 31 March 2019: USD 1 = Rp14,240; Exchange rate as of 31 December 2018: USD 1 = Rp14,380; Remeasurement of obligation for post-employment benefits ------AS OF 31 MARCH 2019 Exchange rate as of 31 March 2018 USD 1 = Rp13,767.5 Changes in fair value on available-for-sale Marketable securities, 1. MUFG Bank, Ltd. (direct and indirect) 40.00% Government Bonds, and Investments in shares-net - - - 76,427 - - - 76,427 3,594 80,021 2. Asia Financial (Indonesia) Pte.Ltd. 33.83% Total Other Comprehensive Income - - - 76,427 (11,216) - - 65,211 2,628 67,839 3. Public 26.17% Thank You for Your Vote of Confidence Total Comprehensive Income for the period - - - 76,427 (11,216) - 933,137 998,348 49,514 1,047,862 Appropriation for general and legal reserve - - - - - 39,222 (39,222) - - - Total 100.00% Distribution of cash dividends ------(1,372,760) (1,372,760) (92,479) (1,465,239) Balance as of 31 March 2019 5,901,122 7,256,324 189 (21,901) (67,094) 429,284 27,438,270 40,936,194 586,250 41,522,444 Balance as of 1 January 2018 5,901,122 7,256,324 189 159,310 (38,237) 353,246 25,028,324 38,660,278 511,874 39,172,152 Jakarta, 24 April 2019 Total Income for the period Net income for the period ------1,044,328 1,044,328 44,320 1,088,648 Board of Directors Other Comprehensive Income, net of tax Changes in fair value of cashflow hedge-net - - - - 10,042 - - 10,042 865 10,907 Remeasurement of obligation for post-employment benefits ------Changes in fair value on available-for-sale Marketable securities, Government Bonds, and Investments in shares-net - - - (90,059) - - - (90,059) (3,513) (93,572) Total Other Comprehensive Income - - - (90,059) 10,042 - - (80,017) (2,648) (82,665) Total Comprehensive Income for the period - - - (90,059) 10,042 - 1,044,328 964,311 41,672 1,005,983 Best Digital Bank Indonesia, Best Bank in Digital Service and “Very Good” Rating in the Sharia Business Unit Appropriation for general and legal reserve - - - - - 36,816 (36,816) - - - Best Bank Award 2018 by Asiamoney Best Sharia Business Unit, with Assets between IDR 2.5 - 5 trillion category Distribution of cash dividends ------(1,288,559) (1,288,559) - (1,288,559) Sng Seow Wah Satinder Pal Singh Ahluwalia Indonesia Banking Award 2018 7th Infobank Sharia Award 2018 Balance as of 31 March 2018 5,901,122 7,256,324 189 69,251 (28,195) 390,062 24,747,277 38,336,030 553,546 38,889,576 President Director Director *) Unappropriated retained earnings include remeasurement on defined benefit plans by Tempo Media Group by Infobank Magazine Corporate Communications - Menara Bank Danamon 21th Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645030, Email : [email protected] Investor Relation Division - Menara Bank Danamon 16th Floor, Jl. HR. Rasuna Said, Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi, Jakarta 12920, Telp. (021) 80645000, Fax. (021) 80645103, Email : [email protected] PT Bank Danamon Indonesia Tbk Registered and supervised by Financial Services Authority (OJK) www.danamon.co.id