Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — 9M 2024 Earnings Presentation
71 slides from Pt Bank Permata Tbk Class A's earnings presentation, October 2024
Slide 1: Nine Months of 2024 Performance Results
Nine Months of 2024 Performance Results Corporate Presentation October 2024
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 15 | Recent Global & Domestic Economic Development (cont’d) 30 Indonesia’s GDP Growth 04 | Management Highlights 31 Indonesia’s GDP Growth Heatmap 05 Key Financial Highlights 32 Indonesia’s Policy Rate 06 3 Strategic Priorities 33 Indonesia’s Demand-Side Inflation R
Slide 4: Management Highlights
Management Highlights
Slide 5: Key Financial Highlights
Key Financial Highlights Total Loans Total Deposits Total Assets CAR (%) (Rp trillion) (Rp trillion) (Rp trillion) 8.6% YOY 0.8% YOY 1.1% YOY 6.3% YOY 251.9 254.6 181.8 183.3 150.8 39.4% 138.9 55.9% 55.1% 33.2% Sep-23 Sep-24 Sep-23 Sep-24 Sep-23 Sep-24 Sep-23 Sep-24 Gross NPL (%) LDR (%) NIM (%) CIR
Slide 6: 3 Strategic Priorities
3 Strategic Priorities 1 Create the leading Deposit dan Wealth franchise 2 Be the preferred ecosystem partner to businesses and technology players 3 PT Bank Permata Tbk Be the Market Leading on customer satisfaction (NPS) in the industry 9M 2024 - Management Highlights | 6
Slide 7: Universal Financial Products and Services
Universal Financial Products and Services The main service collect funds from publics in the form of current accounts, savings, time deposits and credit distribution to publics in accordance with commercial banks business activities, available in both Conventional and Sharia services Consumer Corpor
Slide 8: Newest Product Launch
Newest Product Launch Permata Ultimate Card Gateway to Explore The Exquisite Japanese Lifestyle Low Miles Conversion Rp5,000 retail 8x Complimentary Access to World’s Japanese Lifestyle-Theme Merchant Free Annual Fee for Priority Customers, dining transaction for 1 Airline Mile Best Airport Lounge w
Slide 9: Innovation to Serve Customers Better
Innovation to Serve Customers Better Mobile electronic banking services Customer's business solution in The latest internet banking service The system that integrates that offer Customers access to making direct payments via mobile innovations for an easy and Customer's platform to be directly vario
Slide 10: Permata Bank New Logo
Permata Bank New Logo Growing Together with Permata Bank On 27 September 2024, Permata Bank introduced a new logo for the company. The new logo reflects resilience, strength and wisdom, creating synergy between Permata Bank and Bangkok Bank to grow together and innovate as a local bank with a region
Slide 11: Mobile Banking Permata ME
Mobile Banking Permata ME Permata Bank’s Latest & Newly Launched 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 tr
Slide 12: Modernization in Banking Experience
Modernization in Banking Experience for All Generations Queuing by Qmatic System Queue Notification via WA Permata Bank is committed consistently accelerating digital transformation through various innovations to provide the best service to customers Spacious Banking Hall Executive Lounge Permata Ba
Slide 13: Shareholder Composition
Shareholder Composition Fulfillment of Bangkok Bank’s Shares Refloating Obligation Shareholder Composition (%) • Bangkok Bank, as the controlling shareholder of Permata Bank, has complied with OJK Regulation No. Bangkok Bank Public 9/POJK.04/2018 concerning the Takeover of Public Company Limited Com
Slide 14: Sustainable Finance
Sustainable Finance Commitment towards sustainability in its business process reflected through strategic planning and framework in supporting long-term sustainable economic activities and projects. Governance Sustainability Committee ensure sustainability principles are incorporated in the strategi
Slide 15: Recent Global & Domestic Economic Development
Recent Global & Domestic Economic Development
Slide 16: Global Risks on Economy & Financial Market
Global Risks on Economy & Financial Market China’s ‘slower-for-longer’ economy may The 2024 election year is poised to Ongoing geopolitical conflicts, especially affect Indonesia's external balance and reshape global politics, amplifying in the Middle East, continue to fuel global stability, while a
Slide 17: Domestic Risks on Economy & Financial Market
Domestic Risks on Economy & Financial Market The transition period between the current While the risk of El Niño has passed, The risk of a twin deficit looms as the CAD and incoming government is creating Indonesia is now experiencing its longest widened due to weakening global uncertainty about the
Slide 18: 2024 is a Year of Elections
2024 is a Year of Elections More than twenty-five economies are set to conduct general elections in 2024. PT Bank Permata Tbk 9M 2024 - Recent Global & Domestic Economic Development | 18
Slide 19: Timeline of Geopolitical Conflicts in the Middle East
Timeline of Geopolitical Conflicts in the Middle East October 1: Iran launches 181 ballistic October 7: Hamas launched an missiles at Israel in a significant attack on Israel. Israel declared escalation. This marks the first direct war. missile attack on Israel from Iran May 7: Israel launched the R
Slide 20: PBoC’s 2024 Massive Stimulus Measures
PBoC’s 2024 Massive Stimulus Measures In a significant stimulus package, China's central bank, PBoC, revealed a 20bps reduction in the 7-day reverse repo rate, lowering it from 1.7% to 1.5%. Additional measures were also introduced. Implementing a 50bps reduction 6 16 to the RRR, injecting an estima
Slide 21: US Economic Heatmap
US Economic Heatmap The US economy is demonstrating resilience, especially in the labor market. As a result, investors have scaled back their expectations for FFR cut, adjusting from 75bps to 50bps for the rest of 2024. Note: yoy = year-on-year qoq = quarter-on-quarter mom = month-on-month sa = seas
Slide 22: US Inflation Rate
US Inflation Rate The progress of disinflation in the US continues despite gradually. Inflation rate related to energy services, transportation services, and medical care services seems to be stubborn 12 50 40 10 30 8 20 % yoy % yoy 6 10 3.2 4 0 -4.0 Headline Inflation - lhs 2 Food Inflation - lhs -
Slide 23: US Labor Market & Real Sector
US Labor Market & Real Sector The latest economic indicators indicate a tightening in the US labor market, with the real sector receiving support primarily from the service sector. 16 5,000 60 70 50 Average Weekly Initial Jobless Claims - rhs 4,500 14 60 Unemployment Rate - lhs 40 47.3 4,000 12 30 5
Slide 24: Global Policy Rate
Global Policy Rate Some major central banks have started cutting rate this year amid higher risk of economic slowdown. This trend is expecting to continue until next year. 7 BI-Rate (Bank Indonesia) 6.00 The Fed ECB BoE BoJ PBoC FFR (the Fed) Refinancing rate (ECB) 6 Key interest rate (BoE) 6 Key sh
Slide 25: The End of ‘Higher-for-Longer’
The End of ‘Higher-for-Longer’ Most global central banks have largely concluded their policy rate hikes, with some already beginning to lower rates. Proportion of the Number of Global Central Bank based on Monthly Monetray Policy Decision 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Nov-23 Dec-23 Feb
Slide 26: Sep-24 FOMC Meeting Projection
Sep-24 FOMC Meeting Projection • In the Sep-24 FOMC meeting, the Fed lowered the target range for the Fed Funds Rate (FFR) by a jumbo 50bps to 4.75 – 5.00%, marking the first rate cut since Mar-20. The Fed also decided to further reduce their holdings in securities. • The Fed explained that if the U
Slide 27: CME FedWatch Tool – Meeting Probabilities
CME FedWatch Tool – Meeting Probabilities After 50bps rate cut in Sep-24, market still expected the Fed to cut another 50bps rate cut in the remainder of 2024. The Beginning of 2024: First cut in Mar-24, 150bps in total for 2024 As of 30 April 2024: First cut in Sep-24, 25bps in total for 2024 As of
Slide 28: Global Economic Outlook
Global Economic Outlook Indonesia’s economic resilience is expected to continue into 2024 and 2025 GDP growth, % IMF World Bank ADB OECD Countries 2019 2020 2021 2022 2023 2024F 2025F 2024F 2025F 2024F 2025F 2024F 2025F World 2.8 -2.8 6.3 3.5 3.2 3.2 3.3 2.6 2.7 3.2 3.2 US 2.3 -2.8 5.9 2.2 2.5 2.6 1
Slide 29: Indonesia’s Economy Snapshot
Indonesia’s Economy Snapshot The economy was relatively resilient amid increasing global uncertainty. 1Q23: 5.04% YoY 2Q23: 5.17% YoY 3Q23: 4.94% YoY 4Q23: 5.04% YoY +1.84% (YoY) 1 1Q24: 5.11% YoY 2Q24: 5.05% YoY 2 (Ytd) +0.74% Headline 3 -1.43% (Ytd) USD/IDR (9-Oct-24) 6.00% (+0bps Ytd) BI-Rate FY2
Slide 30: Indonesia’s GDP Growth
Indonesia’s GDP Growth In 2Q24, Indonesia's GDP growth still managed to accelerate above 5%, specifically 5.05%yoy. This growth was primarily driven by stronger household consumption, mainly supported by improving mobility during Eid-al-Fitr celebration, Eid-al-Adha celebration, and school holidays,
Slide 31: Indonesia’s GDP Growth Heatmap
Indonesia’s GDP Growth Heatmap Household consumption growth in 2Q24 was slightly up from 4.91%yoy in 1Q24 to 4.93%yoy, supported by consumption related to mobility and leisure, namely Transportation & Communication up from 6.41%yoy to 6.84%yoy, and Restaurant & Hotel up from 6.43%yoy to 6.80%yoy, in
Slide 32: Indonesia’s Policy Rate
Indonesia’s Policy Rate The likelihood of another BI-rate cut during the remainder of 2024 is increasing, driven by the global trend toward easing policy rates. This potential is further reinforced by domestic inflation remaining within the target range and a relatively well-managed current account
Slide 33: Indonesia’s Demand-Side Inflation Rate
Indonesia’s Demand-Side Inflation Rate Headline CPI for Sep-24 showed another monthly deflation of -0.12%mom, continuing the deflationary trend observed over the previous four months, amid lower food prices. The annual headline and core inflation rates for Sep-24 remained within the target range of
Slide 34: Indonesia’s Supply-Side Inflation
Indonesia’s Supply-Side Inflation The risk of inflation passthrough from supply-side to demand-side seems to be very low as PPI still relatively muted in 2Q24 due to deflation in mining and quarrying sector, and WPI inflation kept easing in Sep-24 amid declining inflation in agriculture sector. CPI
Slide 35: Indonesia’s External Sector
% yoy % yoy -60 -40 -20 0 20 60 80 40 -100 100 150 200 250 300 0 -50 50 Jun-18 Feb-18 Aug-18 Apr-18 Jun-18 Oct-18 Aug-18 Dec-18 Oct-18 Feb-19 Dec-18 Apr-19 Feb-19 Jun-19 Apr-19 PT Bank Permata Tbk Aug-19 Jun-19 Aug-19 Coal Exports Oct-19 Dec-19 Oct-19 Dec-19 Feb-20 Feb-20 Apr-20 Apr-20 Jun-20 Export
Slide 36: Indonesia’s Macroeconomic Sensitivity Analysis
Indonesia’s Macroeconomic Sensitivity Analysis Indonesia’s economy is a small-open economy; hence it is relatively resilient to global economic risk. However, Indonesia is commodity-centric economy, making its performance tends to be determined by the movement of commodity prices. Country/ Impact on
Slide 37: Indonesia’s State Budget Condition
Indonesia’s State Budget Condition 2025 State 2024 Growth 2025 2023 Budget 2024 State Jan - Aug-23 Jan - Aug-24 % of 2024 2024 Budget Draft in IDR trillion (%, vs. State Realization Budget Realization Realization Outlook Outlook (%, vs. 2024 Jan-Aug-23) Budget Outlook) A Government Revenue 2,783.9 2
Slide 38: Macroeconomics Highlight – New Government Priority Programs
Macroeconomics Highlight – New Government Priority Programs Strategic roadmaps to pursue 8% GDP growth ambition remained under discussion, but the new government has set out 8 priority programs (“Quick Win” programs) which has been incorporated within 2025 State Budget arrangements. 8 Quick Wins Pro
Slide 39: Matured Bonds Projection
Matured Bonds Projection The amount of matured bond will be peaked in 2025 - 2027, particularly because VR bond (which issued during pandemic), are going to mature next year. Based on DJPPR, VR series comprised of series for financing PC-PEN through burden sharing scheme. As BI is main holder of VR
Slide 40: PIER's Economic & Market Forecast
PIER's Economic & Market Forecast 2020 2021 2022 2023 2024F 2025F 2020 2021 2022 2023 2024F National Account Commodity Price Real GDP (% yoy) -2.07 3.70 5.31 5.05 5.04 5.15 Coal Price (USD/MT) 83.0 169.7 379.2 141.8 108.8 Real Consumption: Private (% yoy) -2.63 2.02 4.93 4.82 4.93 5.04 CPO Price (US
Slide 41: Nine Months of 2024 Financial Performance
Nine Months of 2024 Financial Performance
Slide 42: Strong Revenue Structure and Sustainable Profit
Strong Revenue Structure and Sustainable Profit Total Revenue Profit After Tax – PAT (Rp trillion) (Rp trillion) 1.9% YOY 30.1% YOY 2.8 2.1 9.0 9.2 Total Revenue 1.3 0.7 0.8 0.7 1.6 Non-Interest Income 0.4 1.6 ↑0.6% YOY 3Q23 4Q23 1Q24 2Q24 3Q24 9M23 9M24 Pre-Provision Operating Profit Net Interest I
Slide 43: Margin Remains Sound with More Efficient Business Process
Margin Remains Sound with More Efficient Business Process Net Interest Margin – NIM Return On Assets – ROA (%) (%) 11 bps YOY 43 bps YOY 4.5% 4.5% 4.4% 4.3% 4.3% 1.9% 1.7% 1.6% 1.5% 1.3% Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Loan to Deposit Ratio – LDR Cost to Income
Slide 44: Consistently Applying Balance Sheet Optimization
Consistently Applying Balance Sheet Optimization Total TotalRevenue Assets Total Deposits (Rp trillion) (Rp trillion) 1.1% YOY 0.8% YOY 188.3 191.8 181.8 178.8 183.3 Total Deposits 257.4 258.4 252.8 254.6 251.9 57.7% 55.9% 55.0% 56.3% 55.1% CASA Ratio (%) CASA 101.6 103.6 103.2 108.0 101.0 ↓0.6% YOY
Slide 45: Growing Loan Disbursement with Diversified Portfolio
Growing Loan Disbursement with Diversified Portfolio Total Loans Loans Composition (Rp trillion) (%) 8.6% YOY 151.4 150.8 Total Loans 142.2 147.8 138.9 0.8 0.8 0.8 Others 0.9 0.9 ↓3.4% YOY Conventio nal, 83.3% 86.2 88.1 86.2 Corporate As of 76.2 79.1 ↑13.2% YOY 30 Sep 2024 Sharia, 16.7% Consumer 43.
Slide 46: 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 88.1 Loans, 86.2 86.2 76.2 79.1 2.7 31.8% 2.6 2.9 2.9 2.
Slide 47: 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 Trade Loans & 18.8 19.3 19.2 19.5 Dealer Financing, 18.3 Revolving Loans, 4.0 4.0 4.1 36.5% 12.1% 3.9 3.7 2.
Slide 48: 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 10.1% 5.9 5.9 5.8 5.9 6.2 As of SME & EBB Mortgage 30 Sep 20
Slide 49: Loan Diversification in Various Industrial Sectors
Loan Diversification in Various Industrial Sectors Loan Based on Industry Sector Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Growth YoY Sep-24 Comp (Rp trillion) (%) (%) Personal Loan for Housing and Automotive 37.9 37.9 37.5 38.2 38.9 2.5% 25.8% Manufacturing 26.8 24.8 25.6 28.9 30.7 14.5% 20.3% Wholesale &
Slide 50: 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 0.8% YOY (Gross NPL) Well Maintained Above >300% 380.8% 337.9% Net NPL 303.7% 0.4% 0.4% 0.4% 285.7% 288.4% 0.3% 0.3% 1.8% 1.9% 2.9% 2.9% 1.3% 1.4% C
Slide 51: Well Maintained LAR and LAR Coverage
Well Maintained LAR and LAR Coverage Loan At Risk – Loan At Risk – LAR (Rp trillion) LAR Coverage Ratio (%) 8.0% YOY 10.3% YOY 103.2% 99.5% 9.4% % LAR/Total Loan 8.7% 97.0% 8.2% 7.8% 8.0% 94.1% 13.1 12.4 12.1 11.9 12.1 Total LAR 4.0 3.1 NPL 86.7% 4.1 4.0 3.6 ↓22.8% YOY 5.1 4.6 Col. 2 4.7 5.0 6.2 ↑22
Slide 52: Third Party Funds (Deposits) Supported by CASA
Third Party Funds (Deposits) Supported by CASA Corporate Deposits Commercial Deposits (Rp trillion) (Rp trillion) 4.6% YOY 7.8% YOY 55.0 59.8 59.6 TD 51.0 52.5 18.3 21.6 14.8 19.9 17.3 ↓5.5% YOY 24.1 23.2 22.7 22.7 22.2 TD CASA 11.1 11.3 11.5 10.8 11.2 ↑1.4% YOY 39.7 36.7 38.2 36.2 35.2 ↓4.1% YOY 13
Slide 53: 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 (%) (%) 93.7% YOY 1.4% YOY 481.9% 7.6% 388.2% 6.2% 6.6% 6.3% 349.6% 363.8% 5.5% 335.6% Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Net Stable
Slide 54: Strong Capital to Support Future Growth
Strong Capital to Support Future Growth Capital & CET-1 Total Cash Dividend (Rp trillion) (Rp billion) 66.7% YOY CET-1 25 35.4 37.4 39.5 ↑5.5% YTD 15 904.5 As the Controlling Shareholder of Total Capital Bank Permata, Bangkok Bank is 542.7 committed to providing full support 47.1 49.1 51.3 ↑4.4% YTD
Slide 55: About Permata Bank
About Permata Bank
Slide 56: Board of Commissioners
Board of Commissioners Chartsiri Sophonpanich Chong Toh President Commissioner Commissioner Education Education • B.C.E. Worcester Polytechnic Institute, USA • B.A. in Philosophy, Politics & Economics Oxford University • M.C.E. Worcester Polytechnic Institute, USA • M.Sc. in Management Massachusetts
Slide 57: Board of Commissioners
Board of Commissioners Haryanto Sahari Goei Siauw Hong Independent Commissioner Independent Commissioner Education Education • B.E. in Accounting University of Indonesia • B.Eng. in Agronomy Institut Pertanian Bogor • MBA in Business/Finance and Marketing Indiana University, Experience Bloomington,
Slide 58: Board of Directors
Board of Directors Meliza Musa Rusli Abdy Dharma Salimin President Director Technology & Operations Director Education Education • B.Eng. University of Indonesia • B.Com. University of Toronto, Canada • MBA University of Melbourne, Australia Experience Experience • Global Technology Head for Retail
Slide 59: Board of Directors
Board of Directors Dayan Sadikin Setiatno Budiman Human Resources Director Risk Director Education Education • Bachelor of Social Science University of Indonesia • B.C.E. Tarumanagara University • M.Com. University of New South Wales, Sydney, Australia • MBA Oklahoma City University Experience Exper
Slide 60: Executive Officers (Chiefs)
Executive Officers (Chiefs) Henry Widjaja Nithawadee Limpodom Chief of Commercial Banking Chief of International Business Education Development & Advisory • Bachelor of Economics, Widyatama University (Formerly STIEB), Bandung Education • Master of Management in Strategic Management, • MBA Universit
Slide 61: Permata Bank At-a-Glance
Permata Bank At-a-Glance Year Established Business Segment 1955 Consumer Banking Corporate Banking Total Employee Listed at IDX Commercial Banking > 6,500 1990 Product & Service Stock Code Conventional BNLI Sharia Shareholders Total Customer DSIB Bangkok Bank - 89.1% > 6.2 Million One of Domestic Pu
Slide 62: Top 10 Indonesian Banks with National Banking Coverage
Top 10 Indonesian Banks with National Banking Coverage 82 243* 828 20,000+ Latest Modernized Branch Launched Cities Presence Network Offices ATMs Indomaret Channels Sumatera 22 Batam 3 Kalimantan 11 Sulawesi 6 Conventional 19 Conventional 3 Conventional 8 Conventional 5 Sharia 3 Sharia 3 Sharia 1 Eq
Slide 63: Synergies With Bangkok Bank
Synergies With Bangkok Bank Center of Excellence International Banking Knowledge Sharing between Strategy Transaction Banking Bangkok Bank and Sharing capabilities and operational Permata Bank Bangkok Bank’s International models to understand the transaction Network and Permata Bank’s business at Pe
Slide 64: Awards & Achievements
Awards & Achievements as of September 2024 7th Infobank Satisfaction, Loyalty, and Asia- Pacific Stevie Awards 2024: Infobank Banking Service Excellence 2024 : Engagement Awards 2024: Permata Bank • TITANIUM TROPHY – 20 Consecutive Years in • Top 4th Rank KBMI 3 Bank in Satisfaction, • Innovation in
Slide 65: Awards & Achievements
Awards & Achievements as of September 2024 Analyst Forecast Awards 2024 Most Active Banks for FORBES Magazine Permata Institute for Economic Research (PIER) won Electronic FX Trading World’s Best Bank 2024 the Best Forecaster – Indonesia Fiscal Balance Platform - LSEG in Asia 2024 “Golden Trophy – “
Slide 66: Q3-2024 Permata Hati Achievements
Q3-2024 Permata Hati Achievements Since 2011, the Bank is committed to continuously contribute to community building 82 663 +8.5K +110.8K Strategic Partners Schools & Communities Student Scholarships Total Beneficiaries Online training and development programs Financial literacy program for elementa
Slide 67: Balance Sheet
Balance Sheet Sep-24 in Rp trillion Dec-20 Dec-21 Dec-22 Sep-23 Dec-23 Jun-24 Sep-24 YoY Cash 1.8 2.0 1.9 1.4 1.8 1.5 1.4 -4.5% Placement with Bank Indonesia 23.2 38.2 52.6 25.7 29.7 21.3 16.7 -35.0% Placement with Other Banks 3.7 9.0 4.8 5.0 5.3 10.0 6.0 20.0% Marketable Securities 46.6 56.4 55.1 7
Slide 68: Income Statement
Income Statement Sep-24 in Rp billion Dec-20 Dec-21 Dec-22 Sep-23 Dec-23 Jun-24 Sep-24 YoY Net Interest Income 6,809 7,975 9,122 7,444 9,996 4,994 7,607 2.2% Non-Interest Income 2,329 2,543 1,896 1,599 2,050 972 1,608 0.6% Revenue 9,138 10,518 11,018 9,043 12,047 5,966 9,216 1.9% Operating Expense (
Slide 69: Financial Ratios
Financial Ratios Sep-24 Financial Ratios (in %) Dec-20 Dec-21 Dec-22 Sep-23 Dec-23 Jun-24 Sep-24 YoY (%) CET-1 ratio 26.9 26.7 25.7 29.9 29.5 26.6 25.5 -4.4 Total CAR 35.7 34.9 34.2 39.4 38.7 35.4 33.2 -6.3 Loan to Deposit Ratio (LDR) 78.7 69.0 68.9 75.6 74.8 78.2 81.6 5.9 CASA Ratio 51.2 54.0 58.
Slide 70: Stock Information
Stock Information Closing Price June 2023 – September 2024 IDX : BNLI 1,600 25,000,000 IDX : BNLI Dec-22 Sep-23 Dec-23 Sep-24 28-Mar-24, 975 1,400 Price (Rp) 1,015 925 920 1,170 29-Sep-23, 925 20,000,000 PBV (x) 1.0 0.9 0.8 1.0 Closing Stock Price (in Rp/Share) 1,200 28-Jun-24, 890 29-Dec-23, 920 Tr
Slide 71: PT Bank Permata Tbk
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