Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — 9M 2025 Earnings Presentation
53 slides from Pt Bank Permata Tbk Class A's earnings presentation, October 2025
Slide 1: Nine Months of 2025 Performance Results
Nine Months of 2025 Performance Results Corporate Presentation October 2025
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 21 | First Nine Months of 2025 Financial Performance 22 Strong Revenue Structure and Sustainable Profit 04 | Management Highlights 23 More Efficient Business Process and Well-Maintained Performance 05 Permata Bank Highlights 24 Consistently Applying Balance Sheet Op
Slide 4: Management Highlights
© Permata Bank Management Highlights
Slide 5: Permata Bank Highlights
Permata Bank Highlights As part of Bangkok Bank with more than 200 overseas branches in 8 ASEAN countries (excl. Thailand) and more than 700 branches in Thailand Permata Bank’s Footprint Key Financial Highlights Cities Presence Network Offices* Total Assets Total Loans 81 234 Rp269 Tn Rp159 Tn ATMs
Slide 6: Strategy Framework
Strategy Framework PT Bank Permata Tbk 9M2025 – Management Highlights | 6
Slide 7: Permata Bank's Journey
Permata Bank’s Journey The Milestones May 2020 October 2020 December 2020 July 2021 August 2024 September 2024 2025 - Forward Bangkok Bank Bangkok Bank Bangkok Bank Bangkok Bank fully Bangkok Bank Permata Bank Permata Bank acquired 89.12% completed Indonesia Branch participated in the fulfilled IDX
Slide 8: Permata Bank Rebranding
Permata Bank Rebranding In September 2024, Permata Bank unveiled a new visual identity Strategic Alignment Stronger Identity Growing Together As part of Bangkok Bank, Permata Bank Permata Bank introduces a new logo that With aspiration and spirit of “Growing aligns its strategies and business reflec
Slide 9: Modernization in Banking Experience
Modernization in Banking Experience For All Generations Modernized Branch Re-imagined Branch Developments up to 9M25 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) T
Slide 10: Mobile Banking Permata ME
Mobile Banking Permata ME Permata Bank’s Latest Mobile Banking Services Launched in October 2024 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-ac
Slide 11: Newest Credit Card Product Launch & Relaunch
Newest Credit Card Product Launch & Relaunch Permata Ultimate Card (New Launch) Gateway to Explore The Exquisite Japanese Lifestyle & Beyond Rp10,000 per 1 mile for retail transaction and 8x Complimentary Access Japanese Lifestyle-Theme Free Annual Fee for Priority Rp5,000 per 1 mile for to World’s
Slide 12: Debit Card Feature Launch
Debit Card Feature Launch 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 enthusiasts, business cu
Slide 13: Permata eBusiness
Permata eBusiness The Latest Corporate Portal for Banking Beyond Boundaries Instant notifications and Access real-time account New look Permata eBusiness movements transaction confirmations Feature Highlights New look to enhance client experience and engagement Comprehensive account holding informat
Slide 14: Shareholder Composition
Shareholder Composition Fulfillment of Bangkok Bank’s Shares Refloating Obligation Shareholder (%) Bangkok Bank Public Company Limited 89.12% As of 30 Sep 2025 Public 10.88% On 23 August 2024, Bangkok Bank has effectively fulfilled the OJK Regulation No. 9/POJK.04/2018 concerning the “Takeover of Pu
Slide 15: Sustainability Strategy
Sustainability Strategy Priority Area of Sustainability 1 Sustainable Financing & Investment 2 Sustainable Product 3 Climate-Related Risk 4 Net Zero Emission (NZE) – Operational Activities 5 Net Zero Emission (NZE) – Financing Activities 6 Sustainability Learning Series 7 Diversity, Equity, and Incl
Slide 16: 2025 Economic Outlook Macro & Banking Industry
2025 Economic Outlook Macro & Banking Industry
Slide 17: Global Risks on Economy & Financial Market
Global Risks on Economy & Financial Market China’s ‘slower-for-longer’ economy, Trump’s inward-looking policies, Ongoing and potential geopolitical amid trade war against the US, may particularly reciprocal tariff, conflicts, particularly in the Middle affect Indonesia's external balance and introdu
Slide 18: Macro Highlights
Macro Highlights Economic Growth, % PMI & RSI 5.17 5.31 5.12 5.01 4.88 5.03 5.07 5.02 5.05 5.03 5.02 4.87 Manufacturing PMI - lhs Retail Sales Index - rhs 3.70 56 300 218 222 232 223 54 218 250 52 200 50 52.2 51.2 150 48 50.9 50.4 100 46 44 50 46.9 42 0 -2.07 Jul-25 Mar-23 Sep-23 Jul-23 Feb-25 Jan-2
Slide 19: Banking Industry
Dec-22 Dec-22 Feb-23 Feb-23 78.78 11.35 Apr-23 Apr-23 Jun-23 Jun-23 Aug-23 Aug-23 Oct-23 Oct-23 Dec-23 Dec-23 PT Bank Permata Tbk Feb-24 Feb-24 83.83 10.38 Apr-24 Apr-24 Jun-24 Jun-24 Aug-24 Aug-24 Loan Growth, % yoy Oct-24 Oct-24 Loan-to-Deposit Ratio, % Dec-24 Dec-24 Feb-25 Feb-25 10.46 88.57 Apr-
Slide 20: PIER's Economic and Market Forecast
PIER’s Economic and Market Forecast 2024 1Q25 2Q25 3Q25* 4Q25F 2025F 2026F 2027F National Account Real GDP (% YoY) 5.03 4.87 5.12 4.99 5.00 4.99 5.05 5.15 Real Consumption: Private (% YoY) 4.94 4.95 4.97 4.93 4.95 4.95 4.97 5.03 Real Consumption: Government (% YoY) 6.61 -1.37 -0.33 2.59 3.29 1.34 4.
Slide 21: First Nine Months of 2025 Financial Performance
First Nine Months of 2025 Financial Performance
Slide 22: Strong Revenue Structure and Sustainable Profit
Strong Revenue Structure and Sustainable Profit Total Revenue Profit After Tax – PAT (Rp trillion) (Rp trillion) 3.6% YOY 3.5% YOY 2.8 2.9 Total Revenue 9.5 9.2 1.3 1.2 Non-Interest Income 0.8 0.8 0.9 1.6 2.0 ↑22.5% YOY 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 Pre-Provision Operating Profit (Rp trillion)
Slide 23: More Efficient Business Process and Well-Maintained Performance
More Efficient Business Process and Well-Maintained Performance Net Interest Margin – NIM Return On Assets – ROA (%) (%) 25 bps YOY 2 bps YOY 4.3% 4.3% 1.9% 1.8% 1.9% 4.2% 4.1% 4.1% 1.6% 1.6% Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Loan to Deposit Ratio – LDR Cost to In
Slide 24: Consistently Applying Balance Sheet Optimization
Consistently Applying Balance Sheet Optimization Total TotalRevenue Assets Total Deposits (Rp trillion) (Rp trillion) 5.7% YOY 6.9% YOY 195.9 Total Deposits 183.3 269.3 264.3 264.2 259.1 60.5% 254.6 55.1% CASA Ratio (%) CASA 101.0 118.5 ↑17.3% YOY Time Deposits 82.3 77.4 ↓6.0% YOY Sep-24 Dec-24 Mar-
Slide 25: Growing Loan Disbursement with Diversified Portfolio
Growing Loan Disbursement with Diversified Portfolio Total Loans Loans Composition (Rp trillion) (%) 5.4% YOY 158.9 Total Loans Sharia, 15.2% 150.8 0.8 0.8 Others ↓2.8% YOY 93.9 Corporate 86.8 ↑8.2% YOY As of 30 Sep 2025 Consumer 44.3 43.4 ↓2.2% YOY Conventional, 84.8% Commercial 18.9 20.9 ↑10.4% YO
Slide 26: 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 Loans 59.2% 93.9 35.1% 86.8 2.2 3.0 3.1 3.0 A
Slide 27: 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 Trade Loans Loans & Dealer 20.9 41.2% 18.9 Financing 3.8 6.9% 4.0 1.4 As of 30 Sep 2025 2.3 8.6 Ot
Slide 28: Diversified Loan Portfolio (3)
Diversified Loan Portfolio (3) Consumer Loans Consumer Loans Consumer Loans Composition (Rp trillion) (%) Mortgage as the main driver of Consumer loan, focus on primary market and strengthen partnership with main developers Joint Financing 44.3 11.1% 43.4 6.3 6.2 As of SME & EBB Mortgage 30 Sep 2025
Slide 29: Loan Diversification in Various Industrial Sectors
Loan Diversification in Various Industrial Sectors Loan Based on Industry Sector Growth Sep-25 Sep-24 Sep-25 (Rp trillion) YoY (%) Composition (%) Personal Loan for Housing and Automotive 38.8 38.0 -2.1% 24% Manufacturing 30.7 39.7 29.4% 25% Wholesale & Retail Trading 15.7 15.2 -3.2% 10% Other Servi
Slide 30: 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 0.1% YOY (Gross NPL) Well-Maintained Above >300% 380.8% 350.6% Net NPL 0.4% 0.4% 1.1% 1.1% 2.1% 2.1% Cost of Credit* Gross NPL Sep-24 Sep-25 Sep-24
Slide 31: Well Maintained LAR and LAR Coverage
Well Maintained LAR and LAR Coverage Loan At Risk – Loan At Risk – LAR (Rp trillion) LAR Coverage Ratio (%) 7.9% YOY 10.3% YOY 107.3% 97.0% % LAR/Total Loan 8.0% 7.0% 12.1 Total LAR 11.1 NPL 3.1 3.4 ↑ 10.7% YOY Col. 2 6.2 5.4 ↓12.2% YOY Col. 1 Restructured 2.8 2.3 ↓18.9% YOY Sep-24 Sep-25 Sep-24 Sep
Slide 32: Manageable Third-Party Funds (Deposits)
Manageable Third-Party Funds (Deposits) Corporate Deposits Commercial Deposits (Rp trillion) (Rp trillion) 19.4% YOY 7.0% YOY TD 67.0 56.1 23.6 ↑22.6% YOY 25.2 26.9 TD 19.3 CASA 12.7 7.9 ↓37.7% YOY 36.8 43.3 ↑17.7% YOY 12.5 19.0 CASA Sep-24 Sep-25 Sep-24 Sep-25 ↑52.4% YOY Consumer Deposits Deposit C
Slide 33: 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 (%) (%) 189.0% YOY 0.3% YOY 481.9% 7.6% 7.3% 292.9% Sep-24 Sep-25 Sep-24 Sep-25 Net Stable Funding Ratio – NSFR CAR, Tier-1 & CET-1 (%) (%) 0.4% YOY 35.0% 33.9% 33.2%
Slide 34: 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 (Sep-25) 30.0 40.1 43.0 ↑7.0% YTD 25.0 1,085 As the Controlling Shareholder of 37.4 905 Bank Permata, Bangkok Bank is Total Capital (Sep-25) committed to providing full sup
Slide 35: About Permata Bank
© Permata Bank About Permata Bank
Slide 36: Board of Commissioners
Board of Commissioners Chartsiri Sophonpanich Chong Toh President Commissioner Commissioner Education Education • Masters in Management from the Sloan School of Management, • Master of Science in Management from the Massachusetts Institute Massachusetts Institute of Technology, United States of Tech
Slide 37: Board of Commissioners
Board of Commissioners Haryanto Sahari Goei Siauw Hong Independent Commissioner Independent Commissioner Education Education • Bachelor of Economics majoring in Accounting from the • Master of Business Administration (MBA) majoring in Business/ University of Indonesia Finance and Marketing from Indi
Slide 38: Board of Directors & Executive Officers (Chiefs)
Board of Directors & Executive Officers (Chiefs) Meliza Musa Rusli Dhien Tjahajani President Director Legal & Compliance Director Education Education • Master of Business Administration from the University of • Master of Business Administration from Edith Cowan University, Perth Melbourne, Australia
Slide 39: Board of Directors & Executive Officers (Chiefs)
Board of Directors & Executive Officers (Chiefs) Setiatno Budiman Rudy Basyir Ahmad Risk Director Finance and Sharia Business Unit Director Education Education • Master of Business Administration (MBA) from Oklahoma City • Master in Management from Prasetya Mulya Business School University • Bachelo
Slide 40: Board of Directors & Executive Officers (Chiefs)
Board of Directors & Executive Officers (Chiefs) Nithawadee Limpodom Henry Widjaja Chief of International Business Chief of Commercial Banking Development & Advisory Education Education • Master of Management in Strategic Management, Tarumanagara • Master of Business Administration from the Universi
Slide 41: Board of Directors & Executive Officers (Chiefs)
Board of Directors & Executive Officers (Chiefs) Katharine Grace Mujur Tandi Chief of Corporate Affairs & Sustainability Chief of Operations Education Education • Lex Legibus Magister (LL.M), Queen Mary University of London • Bachelor of Industrial Engineering, Bandung Institute of Technology • Bach
Slide 42: Permata Bank At-a-Glance
Permata Bank At-a-Glance Year Established 1954 Business Segment Total Employee Listed at IDX Consumer Banking > 6,700 1990 Corporate Banking Commercial Banking Stock Code BNLI Shareholders Product & Service Total Customer Bangkok Bank - 89.12% Conventional > 5.5 Million Public – 10.88% Sharia Total
Slide 43: Innovation to Serve Customers Better
Innovation to Serve Customers Better A personalized and efficient online The system that integrates A new solution for your business that Mobile Banking for All of Your banking experience. Manage all your Customer's platform to be directly allows consumers to make payments Banking Needs financial ne
Slide 44: Top Banks in Indonesia with National Banking Coverage
Top 10 Banks in Indonesia with National Banking Coverage 81 234* 835 20,000+ Latest Modernized Branch Launched Cities Presence Network Offices ATMs Indomaret Channels Sumatera 20 Kepulauan Riau 3 Kalimantan 10 Sulawesi 5 Conventional 17 Conventional 3 Conventional 8 Conventional 4 Sharia 3 Sharia 2
Slide 45: Awards & Achievements
Awards & Achievements January – September 2025 8th Infobank Satisfaction, Loyalty, and Indonesia Sharia and Halal Top Brand Awards 2025: Indonesia Top Sharia Awards 2025 – The Iconomics: Engagement Awards 2025: • Indonesia Best Sharia Business Unit of • Top Sharia Business Unit – Bank • The 2nd Best
Slide 46: Awards & Achievements
Awards & Achievements January – September 2025 (2) MRI – Infobank Banking Service Excellence 2025 Asia-Pacific Stevie Awards 2025 : Analyst Forecast Awards 2025 By Focus Economics : • Award for Innovation in Brand Renovation/Re-Branding - • Permata Institute for Economic Research (PIER) won CONVENTI
Slide 47: Awards & Achievements
Awards & Achievements January – September 2025 (3) Asian Banking and Finance Awards 2025 HR Excellence SWA Awards 2025 : ASEAN Corporate Governance Conference & Awards 2025 • Domestic Retail Bank of the Year – Indonesia • Learning and Development (Very Good Predicate) • ASEAN Asset Class Public List
Slide 48: 9M2025 CSER Permata Hati Achievements
9M2025 CSER Permata Hati Achievements Since 2011, the Bank is committed to continuously contribute to community building 737 +9.3K +110K 84 Schools & Communities Student Scholarships Total Beneficiaries Strategic Partners Social Responsibilities through Financial Literacy Banking for Student Diversi
Slide 49: Balance Sheet
Balance Sheet Sep-25 in Rp trillion Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Sep-25 YoY Cash 2.0 1.9 1.8 1.4 1.7 1.4 4.2% Placement with Bank Indonesia 38.2 52.6 29.7 16.7 18.7 14.4 -13.5% Placement with Other Banks 9.0 4.8 5.3 6.0 5.3 7.9 32.5% Marketable Securities 56.4 55.1 70.5 70.4 70.4 77.8 10.5% Lo
Slide 50: Income Statement
Income Statement 9M 2025 in Rp billion 2021 2022 2023 9M 2024 2024 9M 2025 YoY Net Interest Income 7,975 9,122 9,996 7,607 10,223 7,573 -0.4% Non-Interest Income 2,543 1,896 2,050 1,608 1,949 1,970 22.5% Revenue 10,518 11,018 12,047 9,216 12,172 9,543 3.6% Operating Expense (5,458) (6,041) (6,144) (
Slide 51: Financial Ratios
Financial Ratios Sep-25 Financial Ratios (in %) Dec-21 Dec-22 Dec-23 Sep-24 Dec-24 Sep-25 YoY (%) CET-1 ratio 26.7 25.7 26.9 25.5 26.4 26.8 1.3 Total CAR 34.9 34.2 35.3 33.2 34.7 35.0 1.8 Loan to Deposit Ratio (LDR) 69.0 68.9 74.8 81.6 82.7 80.9 -0.6 CASA Ratio 54.0 58.0 55.0 55.1 55.3 60.5 5.4 RO
Slide 52: Closing Stock Price (in Rp/Share)
Stock Information Closing Price & Trading Volume 30 Sep 2024 – 29 Sep 2025 IDX : BNLI 7,000 35,000,000 IDX : BNLI Dec-23 Sep-24 Dec-24 Sep-25 6,000 29-Sep-25, 5,950 30,000,000 Price (Rp) 920 1,170 945 5,950 PBV (x) 0.8 1.0 0.8 4.8 Closing Stock Price (in Rp/Share) 5,000 30-Jun-25, 2,780 25,000,000 3
Slide 53: Thank You
Thank You PT Bank Permata Tbk Investor Relations Department World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Website: www.permatabank.com/id/tentang-kami/hubungan-investor Email: investor.relations@permatabank.co.id