PT Bank Danamon Indonesia Tbk Launches “Danamon Hadiah Beruntun 5.0”

PT Bank Danamon Indonesia Tbk, a publicly listed financial institution on the Frankfurt Stock Exchange, announced the rollout of its latest customer‑loyalty initiative, Danamon Hadiah Beruntun 5.0 (DHB 5.0), on 10 December 2025. The program, introduced across 11 regions, represents the bank’s second major launch of the year and is designed to reinforce growth in third‑party deposits (Dana Pihak Ketiga, DPK), with a particular focus on low‑cost deposit accounts (CASA).

Program Design and Objectives

DHB 5.0 builds on the success of previous iterations by incorporating a more varied draw mechanism, multiple winning opportunities, and greater flexibility for participants to select prizes of their choosing. These enhancements aim to:

  • Increase customer engagement – By offering repeated chances to win, the bank seeks to deepen relationships with existing depositors.
  • Stimulate CASA growth – Loyal depositors are incentivised to maintain or increase balances, thereby boosting the bank’s low‑cost funding base.
  • Support financial inclusion – The program’s national reach aligns with Danamon’s broader mandate to expand banking services to underserved segments.

Market Context

The Indonesian market on 10 December was characterized by a cautious mood. The Jakarta Composite Index hovered just below the 8,660‑point plateau, reflecting modest volatility as global markets awaited the U.S. Federal Open Market Committee (FOMC) rate decision. In this environment, Danamon’s initiative is positioned as a strategic move to capture domestic deposit growth amid broader market uncertainty.

Corporate Snapshot

  • Sector: Financials
  • Industry: Banks
  • Market Cap: €1.23 billion (as of 8 December 2025)
  • Price‑to‑Earnings Ratio: 6.48
  • Close Price (8 Dec 2025): €0.118

Danamon’s diverse product portfolio includes savings, current, time, and Sharia deposits; unsecured and secured loans; treasury, e‑banking, and Sharia services; and a range of investment products. With a network of 42 conventional branches, 651 sub‑branches, and 10 Sharia outlets, the bank operates approximately 1,300 ATMs and 70 cash‑deposit machines nationwide.

Outlook

By coupling a robust loyalty program with its established banking services, Danamon seeks to solidify its position as a leading financial institution in Indonesia. The initiative is expected to contribute positively to the bank’s DPK metrics and to reinforce its commitment to financial inclusion in the coming year.