PT Bank Danamon Indonesia (BDMN) Q1 2026 earnings summary

Executive summary

• Net income for Q1 2026 reached Rp1,250.6 billion, up 41% year-over-year from Q1 2025, driven by asset growth and improved cost of credit.

• Achieved higher profitability year-over-year, with lending and funding growth supporting business expansion.

• Strategic focus on ecosystem development, digital transformation, and regional empowerment.

• The bank maintained strong capital adequacy and liquidity ratios, supporting market confidence.

Financial highlights

• Total assets rose 9% YoY to Rp279.9tn; total lending up 9% YoY to Rp216.2tn as of 31 March 2026.

• Net interest income for Q1 2026 was Rp4,861.1 billion, up from Rp4,402.7 billion in Q1 2025.

• Operating income before tax rose to Rp1,563.5 billion, compared to Rp1,134.3 billion in Q1 2025.

• CASA grew 20% YoY; time deposits up 13% YoY; total funding increased 14% YoY.

• NIM slightly declined to 7.6% from 7.9% YoY; cost to income ratio improved to 53.4%.

Outlook and guidance

• FY26 GDP growth expected to strengthen on higher fiscal spending and domestic demand.

• Management expects continued improvement in asset quality and profitability, supported by digital transformation and diversified funding.

• Banking funding growth projected to ease as fiscal support materializes; NEV adoption to drive automotive sector.