PT Bank Danamon Indonesia (BDMN) Q3 2025 earnings summary

Executive summary

• Achieved double-digit growth in lending (5% YoY) and funding (14% YoY), with NPAT up 21% YoY for 9M25, reaching Rp2,905.9 billion.

• Maintained sustainable profitability and strong capital adequacy, with consolidated CAR at 26.56%.

• Strategic initiatives included strengthening the automotive and Hajj/Umrah ecosystems, and the merger of Adira Finance and Mandala Finance.

Financial highlights

• Total assets grew 8% YoY to Rp259,507.5 billion as of 30 September 2025; total lending reached Rp196.2 trillion (+5% YoY); total funding at Rp187.3 trillion (+12% YoY).

• Net profit after tax (NPAT) for 9M25 was Rp2.91 trillion (+21% YoY); operating profit up 26% YoY.

• Non-interest income rose 8% YoY, mainly from treasury activities; net interest income for the nine months was Rp11,685.2 billion.

• NIM declined to 6.9% (from 7.4% YoY), but risk-adjusted NIM improved to 4.9%.

• Cost of credit improved to 2.0% (from 2.6% YoY); cost-to-income ratio at 55.3%.

Outlook and guidance

• Focus on sustainable profitability through business growth, digital transformation, and ecosystem expansion.

• Continued investment in digital banking, customer experience, and leadership development.

• No material uncertainties identified that would impact the bank's ability to continue as a going concern.