Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — FY2024 Earnings Presentation
52 slides from Pt Bank Permata Tbk Class A's earnings presentation, 2025
Slide 1: Full Year 2024 Performance Results
6) Permata Bank Full Year 2024 Performance Results Corporate Presentation oer 2025 la, Cre —_ ——— =
Slide 2: Disclaimer
6) Permata Bank 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 d
Slide 3: Table of Contents
6) Permata Bank 02 | Disclaimer 04 | Management Highlights 05 06 o7 08 09 10 "1 12 13 Permata Bank Highlights Strategy Framework Permata Bank's Journey Permata Bank Rebranding Modernization in Banking Experience Mobile Banking Permata ME New Permata eBusiness Shareholder Composition Sustainability S
Slide 4: Management Highlights
re) Permata Bank Management Highlights
Slide 5: Permata Bank Highlights
6) Permata Bank Permata Bank Highlights As part of Bangkok Bank with more than 300 overseas branches in 9 ASEAN countries and 800 branches in Thailand Permata Bank’s Footprint Key Financial Highlights Cities Presence Network Offices* Total Assets Total Loans 82 242 Rp 259Tn Rp 155 Th 9 8.9% ATMs Ind
Slide 6: Strategy Framework
6) Permata Bank Strategy Framework 7" To become a Bank of Choice that will be among _Ambition _) the BEST preferred and sustainably profitable banks with prudent growth in Indonesia 2 3 . Be the preferred Be the Market 3 Strategic Create the leading € Priorities) Deposit and Wealth CeDS SIN RatiNS?
Slide 7: Permata Bank's Journey
6) Permata Bank Permata Bank’s Journey The Milestones May 2020 October 2020 December 2020 July 2021 August 2024 September 2024 | 2025 "Forward Forward © Bangkok Bank “se PermataaniN te i] \ Bangkok Bank Bangkok Bank Bangkok Bank Bangkok Bank fully Bangkok Bank Permata Bank Permata Bank acquired 89.1
Slide 8: Permata Bank Rebranding
6) Permata Bank Permata Bank Rebranding 6) Bangkok Bank @) Permata Bank 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 reflects its position
Slide 9: Permata Bank Modernization in Banking Experience
Permata Bank Modernization in Banking Experience Existing Branches Renovated into Modernized Branches PT Bank Permata Tbk FY2024- Management Highlights | 9
Slide 10: Permata Bank Mobile Banking Permata ME
Permata Bank Mobile Banking Permata ME ee ge ¥ samen fe Constant + y pe clit rakes: Innovation | ) wa ~ Apply for any financial product online Elegant & Practical Easy Earn Permata Poin from every inthe Dark Elevated Experience transaction & redeem the points into vouchers or use it for QR payment A
Slide 11: New Permata eBusiness
Permata Bank Permata Bank New look for better experience New look Permata 7 eBusiness Permata eBusiness will come with fresher & cleaner interface Permata eBusiness Brings a modern makeover designed to enhance your journey Support large volume r i PT Bank Permata Tbk New Permata eBusiness saat fe re
Slide 12: Shareholder Composition
6) Permata Bank Shareholder Composition Fulfillment of Bangkok Bank’s Shares Refloating Obligation Shareholder (%) Bangkok Bank Public Company Limited 89.12% Bangkok Bank As of 31 Dec 2024 fee i= I=) ~ = iI rE iS is Public 10.88% On 23 August 2024, Bangkok Bank has effectively fulfilled the OJK Regu
Slide 13: Sustainability Strategy
6) Permata Bank Sustainability Strategy Priority Area of Sustainability 1 Sustainable Financing 5 Sustainable Procurement Sustainable Product / Solutions 6 Sustainability Learning Diversity, Equity, and Inclusion 2 3 Climate Change Related Risk 7 A (DEI) Net Zero Emission (NZE) 8 Green and Social Im
Slide 14: 2025 Economic Outlook
re) Permata Bank 2025 Economic Outlook Macro & Banking Industry
Slide 15: Global Risks on Economy & Financial Market
6) Permata Bank Global Risks on Economy & Financial Market China’s ‘slower-for-longer’ economy may affect Indonesia's external balance and stability, while also heightening risk-averse sentiment in capital markets. Trump’s inward-looking policies introduce further global uncertainty on US fiscal pol
Slide 16: Macro Highlights
© Permata Bank Macro Highlights Economic Growth, % Manufacturing PMI & Retail Sales H 5.2 5.3 : 50 49 50 SA 5.0 50 5.0 H Manufacturing PMI (LHS) Retail Sales Index (RHS) 37 1 85 300 - 1 54 1 53 | 52 : 51 | 50 | s 1 48 147 50 24 1 46 () Hl q 2 2 2 2 x x x = 2s ¢ 2b £€ 2 GS 5 BR B 8 ! g 8 g g 8 g g q
Slide 17: Banking Industry
6) Permata Bank Loan Growth, %YoY Banking Industry Deposit Growth, % YoY Non Performing Loan, % 11.4 mn 10.4 10.4 Q Permata Bank Perparg Bank 24 8.9% we 9 8 § § 8 &§ S$ F§ Fig 8 F F BF F F BB a 8 a 8 8 & 8 &@ 3 3 e 3 3 & & 8 3 & ¢& 3 ¢ ¢ 3 3 OE a 8 ¢ € & | & 2 = &@ &8 $$ 3 8 &8: 8 § 3 $ 8 $$ 3 F B &
Slide 18: PIER's Economic and Market Forecast
5.03 5.12 5.10 5.11 5.10 5.11 5.21 5.28 4.94 5.02 5.00 5.02 5.00 5.01 5.12 5.17 6.61 3.97 5.25 5.78 6.02 5.37 6.08 6.16 4.61 4.85 5.03 5.18 5.34 5.11 5.73 6.27 6.51 6.44 -4.99 -10.86 -6.86 -4.30 -1.67 7.93 7.95 8.47 -2.99 -8.97 -6.88 -2.93 0.03 10.05 1.57 2.13 1.99 2.26 2.33 2.33 2.44 2.71 4.91 5.03
Slide 19: Full Year 2024 Financial Performance
re) Permata Bank Full Year 2024 Financial Performance
Slide 20: Strong Revenue Structure and Sustainable Profit
6) Permata Bank Strong Revenue Structure and Sustainable Profit Total Revenue Profit After Tax — PAT (Rp trillion) Rp trillion A 1.0% yoy A 38.0%yYor_ , Total Revenue 13 0.8 0.7 0.8 Non-Interest Income 0.4 ' | 5.0% yoy 4Q23 1024 2Q24 3Q24 4Q24 \ FY23 FY24 7 ' Pre-Provision Operating Prot ' Net Inter
Slide 21: More Efficient Business Process and Well-Maintained Performance
6) Permata Bank More Efficient Business Process and Well-Maintained Performance Net Interest Margin — NIM Return On Assets — ROA (%) (%) V_ 13 bps yoy qu y A 48 bps yoy co , 45% 44% 43% = 4.3% | 4.3% | 19% | 18% | S| 17% 1.6% we | 18% | f H 19% OO ! Dec-23 Mar-24 Jun-24 Sep-24 i Dec-24 | Dec-23 Mar-
Slide 22: Consistently Applying Balance Sheet Optimization
6) Permata Bank Consistently Applying Balance Sheet Optimization Total Assets Total Deposits (Rp trillion) Rp trillion A 0.6% yoy V 1.5% yoy f ; 188.3 i 1855 joe ; 257.4 2591 Total Deposits ; CASA Ratio (%) ' ' CASA ' | 1.0% yoy ' ' Time Deposits | 21% yoy Deo-23 : Deo-24 : Dec-23 : Dec-24 : PT Bank
Slide 23: Growing Loan Disbursement with Diversified Portfolio
6) Permata Bank (Rp trillion) A 89% yoy / 1549 | 142.2 ' i —o.9— 1 ' 794 a 42.9 rc Deo-23 ' Dec-24 ; Total Loans Others | 2.9% yoy Corporate 1 12.4% yoy Consumer T 4.1% yoy Commercial T 6.1% voy Growing Loan Disbursement with Diversified Portfolio Loans Composition %o Conventional, 83.1% As of 31 De
Slide 24: Diversified Loan Portfolio: Corporate Loans
6) Permata Bank Corporate Loa (Rp trillion) Continue to deepen the potential of ecosystem partnerships and develop the best solutions to meet customers’ financing needs 88.9 3.1 2.0 79.1 29.5 53.7 Dec-23 Dec-24 mTerm Loans mRevolving Loans =Trade Loans and Dealer Financing = Others* Note: *Others in
Slide 25: Diversified Loan Portfolio (2)
6) Permata Bank Diversified Loan Portfolio (2) Commercial Loans Commercial L (Rp trilli Commercial Loans Comp: %o Strengthen the potential of ecosystem partnerships and grow high quality credit Revolving Trade Loans Loans & 20.5 38.9% Dealer 19.3 Financing 10.8% As of 31 Dec 2024 Others* Term Loan:
Slide 26: Diversified Loan Portfolio (3)
6) Permata Bank Diversified Loan Portfolio (3) Consumer Loans Consumer Loans Consumer Loans Compo: (Rp trillion %o Mortgage as the main driver of Consumer loan, focus on primary market and strengthen partnership with main developers Joint Financing 10.6% 42.9 44.7 SME & EBB 14.0% As of Mortgage 31 D
Slide 27: Loan Diversification in Various Industrial Sectors
6) Permata Bank Loan Diversification in Various Industrial Sectors Loan Based on Industry Sector By Growth Dec-24 (Rp trillion) ec-23 Dec-24 YoY (%) (Cenip@sititen (%) Personal Loan for Housing and Automotive 37.9 39.3 3.7% 25.4% Manufacturing 24.8 30.2 21.7% 19.5% Wholesale & Retail Trading 15.7 14
Slide 28: Credit Portfolio Quality Remains Sound with Prudent Provision Management
6) Permata Bank Credit Portfolio Quality Remains Sound with Prudent Provision Management i Non-Performing Loan — Gross & Net NPL NPL Coverage Ratio V 0.8% Yoy (Gross NPL) Well-Maintained Above >300% ‘ \ ic \ | 375.5% —____ 0.4% «Ct N@tNPL 288.4% 1 0.3% ' | ' 2.9% | | | | 5 24% ‘Cost H ' ' ‘of Credit
Slide 29: Well Maintained LAR and LAR Coverage
6) Permata Bank Well Maintained LAR and LAR Coverage Loan At Ri: Loan At Risk — LAR (Rp trillion) LAR Coverage Ratio (% V 18% yoy 87% % LAR/Total Loan 790% ' 12.4 12.2 | — Total LAR AA 3.2 NPL : ! { 22.1% Yor 94.1% 46 64 1 Col.2 1 ' 7 37.0% yoy | 28.0% voy Dec-23 \ Dec-24 } Dec-23 PT Bank Permata Tb
Slide 30: Manageable Third-Party Funds (Deposits)
6) Permata Bank Corporate Deposits (Rp trillion) 59.8 ‘ 571 \ TD 21.6 201 | 7.0% yoy 382 10 __ CASA : ! | 3.1% yoy Dec-23 \ Dec2a 105.3 ‘ 107.0 1 1 TD 51.8 ' 52.4 T 1.1% vor 53.5 946 : CASA T 2.1% voy Dec-23 ve Dec-24 J PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank
Slide 31: Maintaining Strong Capital with Liquidity Ratio
6) Permata Bank Maintaining Strong Capital with Liquidity Ratio Well Above Minimum Requirement Liquidity Coverage Ratio - LCR Return On Equity — ROE (%) (%) A 46%yYoY .----------- . A 17%yYoY _----------- . 335.6% ' 340.2% Dec-23 \ Dec-24 } Net Stable Funding Ratio — NSFR %. V 98% yoy ~ ‘ 138.3% ; ;
Slide 32: Strong Capital to Support Future Business Growth
6) Permata Bank Capital & Cl Total Cash Dividend (Rp trillior (Rp billion) Total Capital 1 7.1% Yor { 35.4 37.4 Dec-22 Dec-23 On 3 April 2024, Permata Bank held an Annual General Meeting of Shareholders (AGMS) and approved the distribution of cash dividend of Rp 904.5 billion (representing Rp25 per
Slide 33: About Permata Bank
re) Permata Bank About Permata Bank
Slide 34: Board of Commissioners
6) Permata Bank Board of Commissioners As of 1 January 2025 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 Massachusetts Institute of Techno
Slide 35: Board of Commissioners
Permata Bank PT Bank Permata Tbk Haryanto Sahari Independent Commissioner Education * Bachelor of Economics majoring in Accounting from the University of Indonesia Experience + Member of the Audit Committee at the University of Indonesia (2016-2024) * Chair of the Audit Committee of PT Bank Permata
Slide 36: Board of Directors & Executive Officers (Chiefs)
Permata Bank Board of Directors & Executive Officers (Chiefs) As of 1 January 2025 Meliza Musa Rusli President Director Abdy Dharma Salimin Technology Director Education * Bachelor of Commerce from the University of Toronto, Canada Education + Master of Business Administration from the University of
Slide 37: Board of Directors & Executive Officers (Chiefs)
6) Permata Bank PT Bank Permata Tbk Dayan Sadikin People and Culture Director Education Master of Commerce (Advanced Specialization in Human Resources Management) from the University of New South Wales, Sydney, Australia Bachelor of Social Affairs in the Department of Sociology from the University o
Slide 38: Board of Directors & Executive Officers (Chiefs)
Permata Bank PT Bank Permata Tbk Evi Hiswanto Corporate Banking Director Education * Bachelor of Economics-Finance, University of Sydney, Australia Experience * Division Head Corporate Banking 2 at Permata Bank (2018 - 2024) + Head Corporate Banking III & Syndication Department at Bank ICBC Indonesi
Slide 39: Board of Directors & Executive Officers (Chiefs)
Permata Bank PT Bank Permata Tbk Dony Fabian Suratno Chief of Internal Audit Education * Master of International Business from the Macquarie University, Australia + Master in Management from the Binus Business School * Bachelor of Economics, majoring in Accounting from the University of Indonesia Ex
Slide 40: Permata Bank At-a-Glance
6) Permata Bank PT Bank Permata Tbk Year Established 1955 Listed at IDX 1990 Stock Code BNLI Shareholders Bangkok Bank - 89.12% Public — 10.88% Total Asset Rp2859 trillion Market Capitalization Rp34 trillion Permata Bank At-a-Glance Business Segment Consumer Banking Corporate Banking Commercial Bank
Slide 41: Permata Bank Innovation to Serve Customers Better
Permata Bank 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
Slide 42: Top Banks in Indonesia
6) Permata Bank Top 10 Banks in Indonesia with National Banking Coverage 242* 827 20. Latest Modernized Branch ci resence Net ices. Indomaret Channels Launched ES ® | Kepulauan Riau ‘| Kalimantan 10 Sulawesi Conventional Conventional 3 Conventional Conventional Sharia Sharia JIIPE Equity Tower Gresi
Slide 43: Newest Credit Card Product Launch
6) Permata Bank Newest Credit Card Product Launch Permatabank 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 B
Slide 44: Newest Debit Card Feature Launch
6) Permata Bank Newest Debit Card Feature Launch Permata Glo Free Conversion Rate to explore the world Acombination of convenience and freedom in one card ee. Global Card can be used with 11 Valid for all debit card transactions (cash Providing a cashless experience that is Perfect for travel enthus
Slide 45: Awards & Achievements (1)
6) Permata Bank 7 Infobank Satisfaction, Loyalty, and Engagement Awards 2024: : + Top 4 Rank KBMI 3 Bank in Satisfaction, Loyalty, & Engagement 2024 The 2" Strongest Customer Engagement KBMI3 Bank : The 2"4 Most Satisfying KBMI 3 Bank in Customer Service The 34 Most Satisfying KBMI 3 Bank in Teller
Slide 46: Awards & Achievements (2)
6) Permata Bank Awards & Achievements (2) Building Agility and Work Experience Toward: Future-Ready Organi January — December 2024 A } The 15th Indonesia HR Excellence < Conference & Awarding 2024 + Excellent Predicate in the Learning & Development and Properti Indonesia Awards 15th IICD CG Conferen
Slide 47: Schools & Communities
Permata Bank 686 Schools & Communities 82 Strategic Partners PERMATA , BRAVE ©) Continuous vocation class programs for persons with disabilities in the fields of financial literacy, UMKM Empowerment, and provide prosthetic leg devices. Currently, there are 20 disabled staff working at Permata Bank.
Slide 48: Balance Sheet
6) Permata Bank Balance Sheet Placement with Other Banks Allowance for Loan Impairment Losses _ Total Assets Deposits Shareholders’ Equity Total Liabilities & Shareholders' Equity PT Bank Permata Tbk Source : Published Report, numbers are Calculated using Bank Only Statements FY2024 - About Permata
Slide 49: Income Statement
6) Permata Bank Income Statement in Rp billi FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 Oe ERS YoY Years Net Interest Income 6,809 | 7,975 9,122 9,996 | 10,223 2.3% | 10.7% _Non-Interest Income 2,329 | 2,543 1,896 2,050 1,949 5.0% AAG Revenue 9138 10,518 11,018 12,047. 12,172 10% «7.4% Operating Expens
Slide 50: Financial Ratios
6) Permata Bank cial Ratios (in %) CET-1 ratio _Total CAR Loan to Deposit Ratio (LDR) _CASA Ratio ROA ROE _BOPO CIR NIM NPL Gross NPL Net NPL Coverage ratio Liquidity Coverage Ratio (LCR) _Net Stable Funding Ratio (NSFR) PT Bank Permata Tbk Note: LCR is calculated quarterly basis Source ; Published
Slide 51: Stock Information
6) Permata Bank Stock Information Closing Price 29 December 2023 — 30 December 2024 IDX: BNLI 1,600 25,000,000 IDX: BNLI Dec-22 Dec-23 Sep-24 Dec-24 28-Mar-24, 975 1,400 \ 30-Dec-24, 945 5) Price (Rp) 1,015 920 1,170 945 20,000,000 3 1200 PBV (x) 1.0 08 1.0 08 gl 28-Jun-24, 890 _ C 7 a 8 P/ERatio* 1
Slide 52: fa fa Sf ae
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