URBANCITY.CO.ID – PT Bank Danamon Indonesia Tbk mengumumkan realisasi kinerja keuangan Kuartal Ketiga (Q3) 2023. Danamon melaporkan Laba Bersih Setelah Pajak (NPAT) konsolidasi sebesar Rp2,6 triliun selama Januari—September 2023.
Sementara Net Interest Margin (NIM) berhasil tumbuh sebesar 26 basis poin (bps) Year-on-Year (YoY), dengan Pendapatan Operasional meningkat sebesar 7 persen YoY menjadi Rp13,3 triliun.
Total Kredit dan Trade Finance tumbuh sebesar 18 persen YoY atau mencapai Rp166,2 triliun, didukung oleh pertumbuhan kredit yang lebih kuat di semua segmen bisnis. Kontributor terbesar dari jumlah loan portfolio adalah Kredit segmen Enterprise Banking & Financial Institution yang mencapai Rp75,6 triliun, tumbuh 14 persen YoY, disusul kredit yang berasal dari pembiayaan PT Adira Dinamika Multi Finance Tbk.
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(Adira Finance) —anak perusahaan Danamon— sebesar Rp52,8 triliun, tumbuh 26 persen YoY. Pembiayaan baru Adira Finance tumbuh sebesar 39 persen YoY. Kredit Konsumer mencapai tingkat pertumbuhan tertinggi sebesar 31 persen YoY, mencapai Rp15,3 triliun, sedangkan Kredit UKM menunjukkan pertumbuhan 10 persen YoY.
Daisuke Ejima, Direktur Utama, PT Bank Danamon Indonesia Tbk mengatakan, di tengah kondisi suku bunga yang tinggi, Danamon dapat mempertahankan pertumbuhan pendanaan granular sebesar 9 persen YoY.
Menurutnya, Danamon menyeimbangkan pertumbuhan kredit yang tinggi dengan manajemen kualitas aset yang memadai. Hal ini tercermin dari rasio Loan at Risk (LAR) (termasuk restrukturisasi Covid-19 yang masih direlaksasi) berhasil turun menjadi 12,3 persen, membaik 190 bps YoY.
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