Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — FY2025 Earnings Presentation
51 slides from Pt Bank Permata Tbk Class A's earnings presentation, March 2026
Slide 1: Public Expose PT Bank Permata Tbk
Public Expose PT Bank Permata Tbk FY 2025 Performance Presentation March 2026
Slide 2: Disclaimer
Disclaimer This report has been prepared by PT Bank Permata Tbk independently and is circulated for the purpose of general information only. It is not intended to the specific person who may receive this report. The information in this report has been obtained from sources which we deem reliable. No
Slide 3: Table of Contents
Table of Contents 02 | Disclaimer 19 | Full Year 2025 Financial Performance 04 | Speakers 20 Strong Revenue Structure and Sustainable Profit 21 More Efficient Business Process and Well-Maintained Performance 22 Consistently Applying Balance Sheet Optimization 05 | Management Highlights 23 Growing Lo
Slide 4: Speakers
Speakers Speakers Rudy B. Ahmad Meliza M. Rusli Josua Pardede Finance and Sharia President Director Chief Economist Business Unit Director Moderator Corporate Secretary Eti Candrawati Katharine Grace Division Head of Chief of Corporate Affairs Investor Relations and Sustainability PT Bank Permata Tb
Slide 5: Management Highlights
© Permata Bank Management Highlights
Slide 6: Permata Bank Highlights
Permata Bank Highlights Permata Bank’s Footprint Key Financial Highlights Cities Presence Network Offices* Total Assets Total Loans 81 232 Rp268.3 trillion Rp163.3 trillion +3.6% +5.5% ATMs Indomaret Channels 834 20,000+ Total Deposits PAT Rp192.8 trillion Rp3.6 trillion Total Employees Total Custom
Slide 7: Strategy Framework
Strategy Framework To become a Universal Bank that will be among Ambition the BEST preferred and sustainably profitable banks with prudent growth in Indonesia 1 2 3 3 Strategic Create the leading Becoming the primary Be the Market Leading Priorities Deposit and Wealth bank for transaction on custome
Slide 8: Permata Bank Milestones
Permata Bank Milestones 2025 Key Events and Achievements Permata Bank together with Bangkok Permata Bank and WWF calls for Cross-Industry Collaboration Permata Bank & Japan Airlines Bank held the Indonesia Investment & Elephant Habitat Preservation Through GAIKINDO holds First Travel Fair in 2025 Tr
Slide 9: Modernization in Banking Experience
Modernization in Banking Experience For All Generations Modernized Branch Re-imagined Branch Developments up to FY2025 17 New Modernized Branches opened in new locations Queuing by Qmatic System Queue Notification via WA Equity Tower JIIPE Jakarta Premium Outlets Jakarta (Oct 2024) Gresik (Dec 2024)
Slide 10: Mobile Banking Permata ME
Mobile Banking Permata ME Permata Bank’s Latest Mobile Banking Services Permata Feature Highlights ME Apply for any financial product online Earn Permata Poin from every transaction & redeem the points into vouchers or use it for QR payment Access exclusive rates on inter-account transfers within Pe
Slide 11: Permata eBusiness
Permata eBusiness The Latest Corporate Portal for Banking Beyond Boundaries New look of Permata Instant notifications and Access real-time account eBusiness transaction confirmations movements Feature Highlights New look to enhance client experience and engagement Comprehensive account holding infor
Slide 12: Sustainability Framework and Strategy
Sustainability Framework and Strategy TARGET TOWARDS NET ZERO Priority Area of Sustainability Permata Bank has set a target to achieve Net Zero Priority Area of Emissions for Scope 1 & 2 in Operations by 2030, and Net Zero Emissions in Financing by 2052. 1 Sustainable Financing & Investment Sustaina
Slide 13: 2026 Economic Outlook Macro & Banking Industry
2026 Economic Outlook Macro & Banking Industry
Slide 14: The Four Horsemen of the Global Economy in 2026
The Four Horsemen of the Global Economy in 2026 Rising geopolitical tensions Persistent global trade tensions Diverging global policy rate Slower-than-expected China driving risk-off sentiment path recovery Rising geopolitical tensions are A persistent trade war in 2026 Diverging monetary policy pat
Slide 15: Macro Highlights
Macro Highlights PMI & RSI Economic Growth, % Manufacturing PMI - lhs Retail Sales Index - rhs 5.31 5.05 5.03 5.11 5.39 5.01 4.88 5.03 5.07 5.17 5.02 4.87 5.12 5.04 56 300 218 222 232 3.70 54 250 52 200 50 52.2 51.2 51.2 150 48 100 46 44 50 46.9 42 0 Sep-24 Mar-25 Mar-23 Sep-23 Sep-25 Mar-24 Jun-23
Slide 16: Banking Industry Performance
Apr-23 Apr-23 Jun-23 Jun-23 Aug-23 Aug-23 Oct-23 Oct-23 Dec-23 Dec-23 Feb-24 83.83 Feb-24 10.38 Apr-24 PT Bank Permata Tbk Apr-24 Jun-24 Jun-24 Aug-24 Aug-24 Oct-24 Oct-24 Dec-24 Dec-24 Loan Growth, % YoY Feb-25 Feb-25 Loan-to-Deposit Ratio, % 88.57 10.46 Apr-25 Apr-25 Jun-25 86.40 Jun-25 7.77 Aug-2
Slide 17: PIER's Economic and Market Forecast
PIER’s Economic and Market Forecast 2024 1Q25 2Q25 3Q25 4Q25 2025 2026F 2027F National Account Real GDP (% yoy) 5.03 4.87 5.12 5.04 5.39 5.11 5.12 5.20 Real Consumption: Private (% yoy) 4.94 4.95 4.97 4.89 5.11 4.98 5.02 5.05 Real Consumption: Government (% yoy) 6.76 -1.22 -0.32 5.66 4.55 2.50 5.18
Slide 18: Economic Opportunities and Challenges
Economic Opportunities and Challenges Over the Next 5 Years Opportunities Challenges 1. Demographic Dividend 1. Structural Bottlenecks 2. Green and Digital Transformation 2. Global Economic Volatility 3. Infrastructure Expansion 3. Fiscal and Debt Pressures 4. ASEAN and Indo-Pacific Integration 4. H
Slide 19: Full Year 2025 Financial Performance
Full Year 2025 Financial Performance
Slide 20: Strong Revenue Structure and Sustainable Profit
Strong Revenue Structure and Sustainable Profit Total Revenue Profit After Tax – PAT (Rp trillion) (Rp trillion) + 3.8% YOY + 0.6% YOY 3.6 3.6 12.6 Total Revenue 12.2 1.2 Non-Interest Income 0.8 0.8 0.9 0.7 1.9 2.6 + 34.1% YOY 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 Pre-Provision Operating Profit (Rp tri
Slide 21: More Efficient Business Process and Well-Maintained Performance
More Efficient Business Process and Well-Maintained Performance Net Interest Margin – NIM Return On Assets – ROA (%) (%) - 31 bps YOY - 8 bps YOY 4.3% 1.8% 1.9% 4.2% 4.1% 1.6% 1.6% 1.7% 4.1% 4.0% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Loan to Deposit Ratio – LDR Cost t
Slide 22: Consistently Applying Balance Sheet Optimization
Consistently Applying Balance Sheet Optimization Total Assets Total Deposits (Rp trillion) (Rp trillion) + 3.6% YOY + 3.9% YOY 192.8 Total Deposits 185.5 268.3 259.1 63.9% 55.3% CASA Ratio (%) 102.5 CASA 123.2 + 20.1% YOY Time Deposits 83.0 69.6 - 16.1% YOY Dec-24 Dec-25 Dec-24 Dec-25 PT Bank Permat
Slide 23: Growing Loan Disbursement with Diversified Portfolio
Growing Loan Disbursement with Diversified Portfolio Total Loans Loans Composition (Rp trillion) (%) + 5.5% YOY Others, Consumer, 0.5% 26.2% 163.3 Total Loans 154.9 0.8 Others 0.8 As of - 4.0% YOY 31 Dec 2025 Corporate, Commercial, 61.0% Corporate 12.3% 89.5 99.6 + 11.2% YOY Consumer Conventional, A
Slide 24: Diversified Loan Portfolio (1)
Diversified Loan Portfolio (1) Corporate Loans Corporate Loans Corporate Loans Composition (Rp trillion) (%) Continue to deepen the potential of ecosystem partnerships and develop the best solutions to meet customers’ financing needs Revolving Term Loans 99.6 Loans 58.0% 89.5 37.6% 2.2 3.1 2.2 2.6 A
Slide 25: Diversified Loan Portfolio (2)
Diversified Loan Portfolio (2) Commercial Loans Commercial Loans Commercial Loans Composition (Rp trillion) (%) Strengthen the potential of ecosystem partnerships and grow high quality credit Revolving Loans Trade Loans 42.7% & Dealer 19.8 20.2 Financing 4.0 3.4 6.4% 1.3 As of 2.2 31 Dec 2025 8.6 7.
Slide 26: Diversified Loan Portfolio (3)
Diversified Loan Portfolio (3) Consumer Loans Consumer Loans Consumer Loans Composition (Rp trillion) (%) Mortgage as one of the main contributors of Consumer loan, currently focuses on primary market and strengthening partnership with main developers Joint Financing 44.7 11.3% 42.8 6.2 6.3 As of SM
Slide 27: Loan Diversification in Various Industrial Sectors
Loan Diversification in Various Industrial Sectors Dec-25 Loan Based on Industry Sector Growth Dec-24 Dec-25 Composition (Rp trillion) YoY (%) (%) Personal Loan for Housing and Automotive 39.3 37.3 -5.0% 22.9% Manufacturing 30.2 46.3 52.9% 28.3% Wholesale & Retail Trading 14.0 12.9 -8.3% 7.9% Other
Slide 28: Sustainable Portfolio
Sustainable Portfolio Sustainable Business Activities Category (“KKUB”)* - Rp trillion Composition of Environmentally Friendly Business Activities (“KUBL”): Renewable Energy Sustainable Rp8.4 trillion Transportation 30.1 Rp1.1 trillion 22.6 Pollution Prevention Green Building and Control 24.9 Rp3.2
Slide 29: Credit Portfolio Quality Remains Sound with Prudent Provision Management
Credit Portfolio Quality Remains Sound with Prudent Provision Management Non-Performing Loan – Non-Performing Loan – Gross & Net NPL NPL Coverage Ratio 0.0% YOY (Gross NPL) Well-Maintained Above >300% 375.5% 356.1% 0.3% 0.2% Net NPL 1.0% 1.1% 2.1% 2.1% Cost of Credit* Gross NPL Dec-24 Dec-25 Dec-24
Slide 30: Well Maintained LAR and LAR Coverage
Well Maintained LAR and LAR Coverage Loan At Risk – Loan At Risk – LAR (Rp trillion) LAR Coverage Ratio (%) - 15.9% YOY + 20.7% YOY 7.9% 6.3% 117.8% % LAR/Total Loan 97.1% 12.2 Total LAR 10.3 NPL 3.2 + 7.7% YOY 3.4 Col. 2 6.4 - 21.3% YOY 5.0 Col. 1 Restructured 2.7 1.9 - 30.5% YOY Dec-24 Dec-25 Dec-
Slide 31: Manageable Third-Party Funds (Deposits)
Manageable Third-Party Funds (Deposits) Corporate Deposits Commercial Deposits (Rp trillion) (Rp trillion) +1.5% YOY + 17.9% YOY 59.7 60.5 TD 28.8 TD 15.5 - 28.9% YOY 24.4 21.8 7.8 - 34.6% YOY CASA 12.0 37.9 45.1 +18.9% YOY 21.0 12.5 CASA +68.4% YOY Dec-24 Dec-25 Dec-24 Dec-25 Consumer Deposits Depo
Slide 32: Maintaining Strong Capital with Liquidity Ratio Well Above Minimum Requirement
Maintaining Strong Capital with Liquidity Ratio Well Above Minimum Requirement Liquidity Coverage Ratio – LCR Return On Equity – ROE (%) (%) - 43.8% YOY - 0.5% YOY 340.2% 296.5% 7.2% 6.8% Dec-24 Dec-25 Dec-24 Dec-25 Net Stable Funding Ratio – NSFR CAR, Tier-1 & CET-1 (%) (%) - 1.6% YOY 34.6% 33.5% 3
Slide 33: Strong Capital to Support Future Business Growth
Strong Capital to Support Future Business Growth Capital & CET-1 Total Cash Dividend (Rp trillion) (Rp billion) + 20.0% YOY CET-1 (Dec-25) 30.0 + 7.8% YTD 25.0 40.1 43.3 1,085 37.4 905 As the Controlling Shareholder of Total Capital Bank Permata, Bangkok Bank is (Dec-25) committed to providing full
Slide 34: About Permata Bank
© Permata Bank About Permata Bank
Slide 35: Board of Commissioners
Board of Commissioners PT Bank Permata Tbk FY 2025 – About Permata Bank | 35
Slide 36: Board of Directors
Board of Directors PT Bank Permata Tbk FY 2025 – About Permata Bank | 36
Slide 37: The Controlling Shareholder
The Controlling Shareholder Bangkok Bank as the controlling shareholder since May 2020 Scope of Services Share Ownership Bangkok Bank serves more than As of December 31, 2025, Bangkok 200 overseas branches in 8 ASEAN Bank owns 89.12% of Permata countries (excluding Thailand) and Bank's shares, while
Slide 38: Permata Bank At-a-Glance
Permata Bank At-a-Glance Year Established 1954 Business Segment Total Employee Listed at IDX Consumer Banking > 6,800 1990 Corporate Banking Stock Code Commercial Banking BNLI Shareholders Product & Service Total Customer Bangkok Bank - 89.12% Conventional > 5.5 Million Public – 10.88% Sharia Total
Slide 39: Innovation to Serve Customers Better
Innovation to Serve Customers Better A new solution for your business A personalized and efficient online The system that integrates Information and banking service Mobile Banking for that allows consumers to make banking experience. Manage all Customer's platform to be directly through phone, email
Slide 40: Credit Card Product Offer
Credit Card Product Offer Permata Ultimate Card Gateway to Explore The Exquisite Japanese Lifestyle & Beyond Rp10,000 per 1 mile for 8x Complimentary Access Japanese Lifestyle-Theme Free Annual Fee for Priority retail transaction and to World’s Best Airport Merchant Promo All Year Customers, both Ba
Slide 41: Debit Card Feature with International Flexibility
Debit Card Feature with International Flexibility Permata Global Card Free Conversion Rate to explore the world A combination of convenience and freedom in one card Global Card can be used with 11 Valid for all debit card transactions (cash Providing a cashless experience that is Perfect for travel
Slide 42: Convenient Debit Card Management via Permata ME
Convenient Debit Card Management via Permata ME Change Primary Account Request and Blok Debit Card Debit Card Transaction Control Debit Card Live: 11 January 2025 Live: 5 June 2025 Live: 18 November 2025 PT Bank Permata Tbk FY 2025 – About Permata Bank | 42
Slide 43: Top Banks in Indonesia with National Banking Coverage
Top 10 Banks in Indonesia with National Banking Coverage 81 232* 834 20.000+ Cities Presence Network Offices ATMs Indomaret Channels Sumatera 20 Bali 10 Conventional 17 Conventional 10 Sharia 3 Kepulauan Riau 3 Lombok 1 Conventional 3 Conventional 1 Bangka Belitung 1 Kalimantan 9 Conventional 1 Conv
Slide 44: Awards and Achievements
Awards and Achievements Highlighted Awards in 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2025 1. 8th Infobank Satisfaction, Loyalty, and Engagement 1. MRI – Infobank Banking Service Excellence 2025 1. Asian Banking and Finance Awards 2025 1. Annual Report Awards 2024 Awards 2025 Conventional: • Domestic Retail
Slide 45: 2025 CSER Permata Hati Achievements
2025 CSER Permata Hati Achievements 13.342 3.720 9.859 Total Beneficiaries EVOs Poin Senyum Social Responsibilities through Financial Literacy Banking for Student Diversity, Equity & Inclusion CERITA (Employee Financial literacy program 2 Vocational Training & 3 Volunteerism Movement) for students a
Slide 46: Balance Sheet
Balance Sheet Dec-25 CAGR 5 in Rp trillion Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 YoY Years Cash 2.0 1.9 1.8 1.7 1.7 1.5% -3.9% Placement with Bank Indonesia 38.2 52.6 29.7 18.7 12.8 -31.9% -24.0% Placement with Other Banks 9.0 4.8 5.3 5.3 6.1 14.6% -9.3% Marketable Securities 56.4 55.1 70.5 70.4 75.6 7
Slide 47: Income Statement
Income Statement 2025 CAGR 5 in Rp billion 2021 2022 2023 2024 2025 YoY Years Net Interest Income 7,975 9,122 9,996 10,223 10,022 -2.0% 5.9% Non-Interest Income 2,543 1,896 2,050 1,949 2,613 34.1% 0.7% Revenue 10,518 11,018 12,047 12,172 12,636 3.8% 4.7% Operating Expense (5,459) (6,041) (6,144) (6,
Slide 48: Financial Ratios
Financial Ratios Dec-25 Financial Ratios (in %) Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 YoY (%) CET-1 ratio 26.7 25.7 26.9 26.4 26.6 0.2 Total CAR 34.9 34.2 35.3 34.7 34.6 0.0 Loan to Deposit Ratio (LDR) 69.0 68.9 74.8 82.7 84.5 1.8 CASA Ratio 54.0 58.0 55.0 55.3 63.9 8.6 ROA 0.7 1.1 1.3 1.8 1.7 -0.1 R
Slide 49: Stock Information
Stock Information Closing Price & Trading Volume 30 Dec 2024 – 30 Dec 2025 IDX : BNLI 7,000 35,000,000 30-Dec-25, 5,150 IDX : BNLI Dec-23 Dec-24 Dec-25 6,000 30,000,000 Price (Rp) 920 945 5,150 Closing Stock Price (in Rp/Share) PBV (x) 0.8 0.8 4.1 5,000 25,000,000 Trading Volume (in Shares) P/E Rati
Slide 50: Latest Bank Publication
Latest Bank Publication Corporate Financial Annual Press Sustainability Presentation Report Report Release Report PT Bank Permata Tbk FY 2025 – About Permata Bank | 50
Slide 51: Thank You
Thank You PT Bank Permata Tbk World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Website https://www.permatabank.com/ Telephone (021) 523 7788 Corporate Secretary Corporate.Secretary@permatabank.co.id Investor Relations investor.relations@permatabank.co.id