COMPANY REPORT

BDMN
BANK DANAMON INDONESIA TBK.

Company Profile

PT Bank Danamon Indonesia Tbk. was established in 1956. The name Bank Danamon,
whichwasderivedfromdanamoneter,meaningmonetaryfund,wasfirstusedin1976in
place of its original name, Bank Kopra. Bank Danamon became among the first foreign
exchange banks in Indonesia, and became a public company listed on the Jakarta Stock
Exchange.

As of 31 December 2013, The Banks operated 79 conventional main branches, 1,458
conventional subbranches and Danamon Simpan Pinjam, and 160 Sharia branches and
subbranches.

Danamon was recently awarded as the Top 10 Public Listed Company with the highest
Good Corporate Governance (GCG) ASEAN Scorecard by Institute for Corporate
Directorship (IICD). Danamon also received Digital Brand of the Year 2012 Award in the
Credit Card Category from Infobank. Internationally, Danamon received Best Corporate
GovernanceinFinanceAsiasAsiasBestCompanies2012poll.

DanamonisthesoleissuerandacquirerofAmericanExpresscardsinIndonesiaunderan
independent operator agreement which allows it to issue American Express cards to
individualandcorporateclients.Danamonisalsotheonlybankwhichprovidesservicesto
local merchants who accept American Express Cards and for signing up new merchant
partnersinIndonesia.DanamonisalsothesolelicenseholderofManchesterUnitedcards
in Indonesia, allowing the Bank to issue Manchester United ATM/Debit cards and credit
cards.

DanamonhasthemajorityowneratPTAdiraDinamikaMultiFinanceTbk(AdiraFinance),
theautomotivefinancingsubsidiaryofDanamon,operatesanextensivebranchnetworkin
Indonesia,PTAsuransiAdiraDinamika(AdiraInsurance),ageneralinsurancecompanyand
PTAdiraQuantumMultifinance(AdiraKredit),adurablegoodsfinancingcompany.

As of December 31st, 2013,the Bank andSubsidiarieshad46,976 permanent employees,
20,753nonpermanentemployees,and756outsourceemployees.

January 2014

Disclaimer:
The facts and opinions stated or expressed in this publication are for information purposes only and are not necessarily and must not be relied upon as being those of the
publisher or of the institutions for which the contributing authors work. Although every care has been taken to ensure the accuracy of the information contained within the
publication it should not be by any person relied upon as the basis for taking any action or making any decision. The Indonesia Stock Exchange cannot be held liable or
otherwise responsible in anyway for any advice action taken or decision made on the basis of the facts and opinions stated or expressed or stated within this publication.
 BDMN Bank Danamon Indonesia Tbk.
COMPANY REPORT : JANUARY 2014 As of 30 January 2014
Main Board Individual Index : 2.451
Industry Sector : Finance (8) Listed Shares : 9,488,796,931
Industry Sub Sector : Bank (81) Market Capitalization : 41,181,378,680,540
19 | 41.2T | 0.95% | 57.68%

48 | 6.32T | 0.57% | 73.89%

COMPANY HISTORY SHAREHOLDERS (January 2014)

Established Date : 16-Jul-1956 1. Asia Financial (Indonesia) Pte. Ltd. 6,457,558,472 : 67.37%
Listing Date : 06-Dec-1989 2. JPMCB-Franklin Templeton Investment Funds -2157804 613,019,888 : 6.40%
Under Writer IPO : 3. Public (<5%) 2,418,218,571 : 26.23%
PT Aseam Indonesia PT IFI
PT Mutual International Finance Corporation DIVIDEND ANNOUNCEMENT
Bank Pembangunan Indonesia Bonus Cash Recording Payment
F/I
Securities Administration Bureau : Year Shares Dividend Cum Date Ex Date Date Date
PT Raya Saham Registra 1990 50.00 18-Sep-90 19-Sep-90 26-Sep-90 26-Oct-90 I
Plaza Central Building 2nd Fl. 1990 150.00 06-Jun-91 07-Jun-91 14-Jun-91 26-Jul-91 F
Jln. Jend. Sudirman Kav. 47 - 48 Jakarta 12930 1991 150.00 27-May-92 29-May-92 06-Jun-92 13-Jul-92 F
Phone : (021) 252-5666 1992 150.00 01-Jul-93 02-Jul-93 09-Jul-93 09-Aug-93 F
Fax : (021) 252-5028 1993 27-Sep-93 28-Sep-93 05-Oct-93 26-Oct-93
1993 50.00 10-Jun-94 11-Jun-94 20-Jun-94 20-Jul-94 F
BOARD OF COMMISSIONERS 1994 60.00 05-Jul-95 06-Jul-95 14-Jul-95 14-Aug-95 F
1. Ng Kee Choe 1996 08-Jan-96 09-Jan-96 17-Jan-96 15-Feb-96
2. Benedictus Raksaka Mahi 1995 100.00 13-May-96 14-May-96 23-May-96 20-Jun-96 F
3. Ernest Wong Yuen Weng 1996 55.00 15-May-97 16-May-97 27-May-97 25-Jun-97 F
4. Gan Chee Yen 2001 5.85 10-Dec-01 11-Dec-01 19-Dec-01 28-Dec-01 I
5. Harry Arief Soepardi Sukadis *) 2002 19.00 16-Dec-02 17-Dec-02 19-Dec-02 27-Dec-02 I
6. Johanes Berchmans Kristiadi Pudjosukanto *) 2002 20.97 27-Jun-03 30-Jun-03 02-Jul-03 09-Jul-03 F
7. Manggi Taruna Habir *) 2003 85.00 18-Mar-04 19-Mar-04 24-Mar-04 08-Apr-04 I
8. Milan Robert Shuster *) 2003 39.50 05-May-04 06-May-04 10-May-04 14-May-04 F
*) Independent Commissioners 2004 178.73 08-Dec-04 09-Dec-04 13-Dec-04 22-Dec-04 I
2005 66.65 17-Jun-05 20-Jun-05 22-Jun-05 30-Jun-05
BOARD OF DIRECTORS 2005 203.45 15-Jun-06 16-Jun-06 20-Jun-06 04-Jul-06 F
1. Henry Ho Hon Cheong 2006 132.87 14-May-07 15-May-07 21-May-07 05-Jun-07 I
2. Ali Rukmijah (Ali Yong) 2007 208.90 16-May-08 17-May-08 22-May-08 05-Jun-08 F
3. Fransiska Oei Lan Siem 2008 90.82 18-Jun-09 19-Jun-09 23-Jun-09 07-Jul-09 F
4. Herry Hykmanto 2009 90.97 21-May-10 24-May-10 26-May-10 10-Jun-10 F
5. Kanchan Keshav Nijasure 2010 119.87 21-Apr-11 25-Apr-11 27-Apr-11 10-May-11 F
6. Khoe Minhari Handikusuma 2011 104.43 19-Apr-12 20-Apr-12 24-Apr-12 08-May-12 F
7. Michellina Laksmi Triwardhanny 2012 125.58 30-May-13 31-May-13 04-Jun-13 19-Jun-13 F
8. Muliadi Rahardja
9. Pradip Chhadva ISSUED HISTORY
10. Satinder Pal Singh Ahluwalia Listing Trading
11. Vera Eve Lim No. Type of Listing Shares Date Date
1. First Issue 12,000,000 06-Dec-89 06-Dec-89
AUDIT COMMITTEE 2. Partial Listing 22,400,000 T: 02-Aug-91 : 09-Aug-91
1. Milan Robert Shuster 3. Bonus Shares 146,400,000 T: 15-Nov-93 : 16-Feb-96
2. Amir Abadi Jusuf 4. Right Issue 220,255,901,301 T: 19-Jan-94 : 28-Sep-11
3. Felix Oentoeng Soebagjo 5. Company Listing 155,200,000 20-May-96 20-May-96
4. Johanes Brachmans Kristiadi Pudjosukanto 6. Stock Split 1,120,000,000 23-Jun-97 23-Jun-97
7. Partial Delisting -7,325,068,100 T: 11-Jun-99 : 17-Jul-01
CORPORATE SECRETARY 8. Add Listing (Bank PDFCI) 44,921,250,000 04-Jan-00 04-Jan-00
Dini Herdini 9. Add Listing (Merger) 230,663,750,000 04-Jul-00 04-Jul-00
10. Reverse Stocks -480,682,079,120 T: 17-Jul-01 : 22-Jan-03
HEAD OFFICE 11. Option Conversion 34,886,500 T: 07-Jul-05 : 14-Dec-06
Menara Bank Danamon 5th Fl. 12. ESOP Conversion I & II 46,979,955 T: 20-Dec-06 : 15-Sep-08
Jln. Prof. DR. Satrio Kav. E4/6 13. ESOP Conversion II 4,813,000 T: 21-Dec-06 : 05-Jul-10
Jakarta - 12950 14. ESOP Conversion I 25,528,645 T: 11-Jan-07 : 30-Jun-09
Phone : (021) 579-91001, 579-91002, 57991003 15. ESOP Conversion I, II & III 24,953,800 T: 04-Jul-07 : 05-Aug-08
Fax : (021) 579-91056, 579-91160, 579-91161 16. ESOP Conversion I & III 10,709,800 T: 08-Aug-07 : 08-Oct-09
Homepage : www.danamon.co.id 17. ESOP Conversion III 12,474,900 T: 09-Aug-07 : 05-Jul-11
Email : corpsec@danamon.co.id 18. ESOP Conversion II & III 27,974,450 T: 10-Aug-07 : 30-Jun-10
dini.herdini@danamon.co.id 19. ESOP Conversion I ,II & III 10,721,800 T: 25-May-09 : 02-Nov-09
 BDMN Bank Danamon Indonesia Tbk.
TRADING ACTIVITIES
Closing Price* and Trading Volume
Bank Danamon Indonesia Tbk. Closing Price Freq. Volume Value

Day
Closing Volume
Price* January 2010 - January 2014 (Mill. Sh) Month High Low Close (X) (Thou. Sh.) (Million Rp)
6,800 160 Jan-10 5,500 4,500 4,850 11,971 210,289 1,035,947 20
Feb-10 5,250 4,275 4,975 8,549 156,246 748,943 19
5,950 140 Mar-10 5,600 4,925 5,200 9,823 155,844 813,485 22
Apr-10 5,850 5,050 5,800 8,012 156,137 852,641 21
May-10 5,850 4,600 5,150 13,915 192,135 978,883 19
5,100 120
Jun-10 5,550 4,850 5,400 10,532 145,832 759,263 22
Jul-10 5,800 5,100 5,350 10,029 134,178 733,677 22
4,250 100
Aug-10 5,500 5,050 5,350 8,182 124,817 661,449 21
Sep-10 6,150 5,200 5,800 9,655 162,947 921,656 17
3,400 80 Oct-10 7,100 5,750 6,700 8,444 112,560 699,504 21
Nov-10 7,100 6,050 6,500 6,408 93,494 624,814 21
2,550 60 Dec-10 6,900 5,550 5,700 15,537 155,712 942,856 20

1,700 40 Jan-11 6,300 5,000 5,950 26,593 426,366 2,432,269 21

Feb-11 6,700 5,800 6,400 11,329 251,224 1,566,612 18
850 20 Mar-11 6,750 6,250 6,550 11,838 153,811 989,453 23
Apr-11 6,600 6,100 6,200 15,185 228,125 1,433,474 20
May-11 6,300 5,800 6,200 12,109 135,057 818,527 21
Jun-11 6,200 5,800 6,000 9,351 94,198 564,195 20
Jan-10 Jan-11 Jan-12 Jan-13 Jan-14
Jul-11 6,150 5,300 5,450 15,084 209,474 1,191,173 21
Aug-11 5,650 4,650 5,200 14,471 129,948 680,526 19
Sep-11 5,650 4,325 4,600 18,712 223,155 1,085,833 20
Closing Price*, Jakarta Composite Index (IHSG) and Oct-11 5,200 3,975 4,975 16,137 130,305 609,407 21
Finance Index Nov-11 5,100 4,275 4,400 10,146 63,837 300,069 22
January 2010 - January 2014 Dec-11 4,500 4,075 4,100 9,886 82,644 371,371 21
150%
Jan-12 4,950 4,050 4,525 14,610 149,484 682,866 21
125% Feb-12 4,875 4,150 4,475 14,160 105,397 481,623 21
Mar-12 4,675 4,250 4,600 11,739 92,658 415,994 21
100% Apr-12 6,900 5,100 5,600 15,866 335,437 2,105,800 19
87.8% May-12 6,050 5,050 5,300 11,053 159,441 908,753 21
75% Jun-12 6,100 4,900 6,000 9,743 184,143 1,061,616 21
71.6%
Jul-12 6,400 5,800 6,050 9,046 153,355 938,026 22
Aug-12 6,150 5,900 6,000 5,951 55,552 333,483 19
50%
Sep-12 6,250 5,900 6,250 5,758 73,236 444,509 20
Oct-12 6,300 5,950 6,100 5,284 75,858 465,425 22
25%
Nov-12 6,250 5,400 5,400 6,851 85,402 514,273 20
Dec-12 5,800 5,450 5,650 7,807 65,572 361,207 18
-
-3.4%
Jan-13 6,150 5,550 6,100 7,571 56,779 335,688 21
-25% Feb-13 6,300 5,850 6,300 7,890 62,369 376,393 20
Mar-13 6,550 5,950 6,450 12,926 137,157 851,929 19
-50% Apr-13 6,500 6,150 6,450 10,178 101,041 633,995 22
Jan 10 Jan 11 Jan 12 Jan 13 Jan 14 May-13 6,550 5,600 5,750 16,442 172,983 1,037,448 22
Jun-13 5,900 5,350 5,850 19,510 119,021 667,544 19
Jul-13 5,850 4,950 5,200 14,402 71,313 390,928 23
SHARES TRADED 2010 2011 2012 2013 Jan-14 Aug-13 4,750 3,725 4,050 16,042 127,817 556,372 17
Volume (Million Sh.) 1,800 2,128 1,536 1,358 117 Sep-13 4,225 3,825 3,975 19,112 172,943 711,519 21
Value (Billion Rp) 9,773 12,043 8,714 6,931 480 Oct-13 4,325 3,950 4,300 9,737 138,723 582,844 21
Frequency (Thou. X) 121 171 118 157 26 Nov-13 4,350 3,725 3,800 14,127 85,921 339,954 20
Days 245 247 245 244 20 Dec-13 3,950 3,550 3,775 9,151 111,517 446,812 19

Price (Rupiah) Jan-14 4,650 3,590 4,340 25,586 116,578 480,337 20

High 7,100 6,750 6,900 6,550 4,650
Low 4,275 3,975 4,050 3,550 3,590
Close 5,700 4,100 5,650 3,775 4,340
Close* 5,535 4,100 5,650 3,775 4,340

PER (X) 16.64 11.65 13.27 9.03 10.38

PER Industry (X) 16.00 6.61 6.58 17.01 18.74
PBV (X) 2.60 1.52 1.88 1.19 1.36
* Adjusted price after corporate action
 BDMN Bank Danamon Indonesia Tbk.
Financial Data and Ratios Book End : December
Public Accountant : Purwantono, Suherman & Surja (Member of Ernst & Young Global Limited)

BALANCE SHEET Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 TOTAL ASSETS AND LIABILITIES (Bill. Rp)
(Million Rp except Par Value) Assets Liabilities
Cash on Hand 2,117,368 1,985,338 1,895,058 2,456,567 2,943,909 187,500

Placements with Other Banks 4,189,435 9,257,137 13,231,882 6,360,607 7,399,600

4,431,548 5,323,969 4,819,809 7,306,823 7,727,116 150,000
Marketable Securities
Loans 58,367,570 73,268,325 85,462,799 90,828,149 103,468,254
112,500
Investment 64,419 6,150,515 12,175 12,175 1,509,036
Fixed Assets 1,802,274 1,771,489 1,898,695 2,095,756 2,199,165
75,000
Other Assets 4,509,726 3,315,859 3,687,492 3,917,135 -
Total Assets 98,597,953 118,206,573 141,934,432 155,791,308 184,237,348 37,500
Growth (%) 19.89% 20.07% 9.76% 18.26%
-
Deposits 68,654,042 81,580,282 88,792,218 92,722,287 110,856,360 2009 2010 2011 2012 2013
Taxes Payable 192,041 183,020 225,311 303,747 234,131
Fund Borrowings 2,393,561 2,481,832 6,917,352 11,020,112 16,068,471
Other Liabilities 2,607,984 3,551,136 4,585,804 5,633,726 5,790,232 TOTAL EQUITY (Bill. Rp)
Total Liabilities 82,695,967 99,597,545 116,097,931 122,282,171 152,684,365 31,553
Growth (%) 20.44% 16.57% 5.33% 24.86% 31,553
28,733
25,837

Authorized Capital 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000

25,116

Paid up Capital 5,303,992 5,317,363 5,901,122 5,901,122 5,901,122 18,450

18,679

15,806
Paid up Capital (Shares) 8,390 8,417 9,585 9,585 9,585
Par Value 50,000 & 500 50,000 & 500 50,000 & 500 50,000 & 500 50,000 & 500 12,243

Retained Earnings 7,741,634 9,873,803 12,334,684 15,231,383 18,069,427

Total Equity 15,805,751 18,449,787 25,836,501 28,733,311 31,552,983 5,806

Growth (%) 16.73% 40.04% 11.21% 9.81%

-631

2009 2010 2011 2012 2013

INCOME STATEMENTS Dec-09 Dec-10 Dec-11 Dec-12 Dec-13
Total Interest Income 17,666,110 14,417,745 16,882,491 18,858,281 20,130,837
Growth (%) -18.39% 17.10% 11.70% 6.75%
TOTAL INTEREST INCOME (Bill. Rp)

Interest Expenses 7,469,309 4,509,295 6,033,390 5,936,173 6,599,794 20,131

18,858
901,103 3,583,835 4,213,121 4,648,599 5,155,638 17,666
20,131

Other Operating Revenue 16,882

Other Operating Expenses 8,611,794 9,235,221 10,279,972 11,852,315 13,568,854 16,024
14,418
Income from Operations 2,782,112 4,630,064 5,234,709 6,182,854 5,605,158
Growth (%) 66.42% 13.06% 18.11% -9.34% 11,917

Non-Operating Revenues -411,552 -628,533 -623,153 -696,175 -74,945

7,811

Income Before Tax 2,370,560 4,001,531 4,611,556 5,486,679 5,530,213

Provision for Income Tax 756,838 1,017,770 1,162,523 1,369,531 1,370,893
3,704

Profit for the period 1,613,722 2,983,761 3,449,033 4,117,148 4,159,320 -403

Growth (%) 84.90% 15.59% 19.37% 1.02% 2009 2010 2011 2012 2013

Period Attributable 1,613,722 2,883,468 3,336,266 4,011,873 4,041,684

Comprehensive Income 1,532,533 3,384,200 3,373,192 4,081,947 4,076,753 PROFIT FOR THE PERIOD (Bill. Rp)
Comprehensive Attributable - 3,284,301 3,260,335 3,978,860 3,961,471
4,117 4,159
4,159

RATIOS Dec-09 Dec-10 Dec-11 Dec-12 Dec-13 3,449

90.97 119.87 104.43 125.58 - 2,984

Dividend (Rp)
3,311

EPS (Rp) 192.33 342.57 348.08 418.57 421.68

1,883.79 2,191.93 2,695.61 2,997.85 3,292.04
2,462

BV (Rp)
1,614
DAR (X) 0.84 0.84 0.82 0.78 0.83 1,614

DER(X) 5.23 5.40 4.49 4.26 4.84

ROA (%) 1.64 2.52 2.43 2.64 2.26 765

ROE (%) 10.21 16.17 13.35 14.33 13.18

OPM (%) 15.75 32.11 31.01 32.79 27.84
-83

2009 2010 2011 2012 2013

NPM (%) 9.13 20.70 20.43 21.83 20.66
Payout Ratio (%) 47.30 34.99 30.00 30.00 -
Yield (%) 2.00 2.10 2.55 2.22 -