PT Bank Danamon Indonesia Tbk (PBDIF) Q2 2026 Earnings Call Transcript

Good afternoon, ladies and gentlemen. I would like to welcome the respected investors and analysts. Thank you for joining PT Bank Danamon Indonesia Tbk Investor and Analyst Briefing First Half 2026 Financial Results. Before we begin, I would like to emphasize on the following information. Ladies and gentlemen, I would like to welcome and thank our respected investors and analysts for joining Bank Danamon's Investor and Analyst Briefing for First Half 2026 Financial Results. Today, I will be your host, and please allow me to quickly introduce myself. My name is Marcella Tanamas, Investor Relations of Bank Danamon. I would like to welcome and introduce Danamon's Board of Directors and also President Director of our subsidiary, Adira Finance, who have joined from their respective locations. Nobuya Kawasaki, President Director; Bapak Herry Hykmanto, Sharia and Sustainability Finance Director; Ibu Rita Mirasari, Compliance Director; Bapak Dadi Budiana, Risk Management Director; Bapak Thomas Sudarma, Enterprise Banking and Financial Institution Director; Bapak Jin Yoshida, Global Alliance Strategy Director; Ibu Yenny Siswanto, Information Technology and Digital Director; Ibu Theresia Adriana Widjaja, Chief Financial Officer; Bapak Dewa Made Susila, President Director of PT Adira Dinamika Multi Finance Tbk. We also would like to welcome Danamon's Board of Management, who also have joined from their respective locations. Ladies and gentlemen, before we present the detail of Bank Danamon's financial results for first half 2026, I would like to invite Bapak Nobuya Kawasaki, our President Director to deliver his remarks, highlighting the progress of our key strategies. Pak Nobuya, the screen is yours.