Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Corporate Update (October 2025)
25 slides from Pt Bank Permata Tbk Class A's corporate update, Oct 6, 2025
Slide 1: Incidental Public Expose
6) Permata Bank Incidental Public Expose PT Bank Permata Tbk (IDX : BNLI) 06 October 2025 ———
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 17 04 | Public Expose Event Procedure 05 | Background Pe] 06 | Management Highlights 07 Permata Bank Highlights 08 Strategy Framework 09 | First Semester of 2025 Financial Performance 10 Strong Revenue Structure and Sustainable Profit 11 More Efficient Business Proces
Slide 4: Public Expose Event Procedure
6) Permata Bank Public Expose Event Procedure 1. Participants are required to register in advance by completing the attendance list using the registration link provided above. 2. Aunique link to enter the Zoom meeting room will then be sent to the registered email address. Participants eligible to a
Slide 5: Background
6) Permata Bank Background Today’s Incidental Public Expose is held based on the Indonesian Stock Exchange’s (“IDX”) request via electronic mail dated 30 September 2025, in relation to the temporary trading suspension of Permata Bank shares (IDX:BNLI) that was carried out as a cooling down measure.
Slide 6: Management Highlights
re) Permata Bank Management Highlights
Slide 7: Permata Bank Highlights
6) Permata Bank Permata Bank Highlights As part of Bangkok Bank with more than 200 overseas branches in 8 ASEAN countries (excl. Thailand) and more than 750 branches in Thailand Permata Bank’s Footprint Key Financial Highlights Cities Presence Network Offices* Total Assets Total Loans 82 237 Rp264 T
Slide 8: 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 9: First Semester of 2025 Financial Performance
re) Permata Bank First Semester of 2025 Financial Performance
Slide 10: 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 3.5% YoY A> 7.6% yoy 1.3 07 08 08 09 —— Non-Interest Income fi ) a | t 16.7% voy 2Q24 3Q24 4Q24 1025 2Q25 \1H24 1H25 » Pre-Provision Operating Prot (Rp trillion) Net Inter
Slide 11: 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 al 2) W 23bpsyoy =~ WV 3bpsvor yp 43% = 43% = 4.3% 19% 1.9% { Fa nN of B x Jun-24 Sep-24 Dec-24 Mar-25 y Jun-25 | Jun-24 Sep-24 Dec-24 Mar-25 \ dun-25 ! Loan to Deposit Ra
Slide 12: Consistently Applying Balance Sheet Optimization
6) Permata Bank (Rp trillion) A 2.3% Yor 258.4 Jun-24 PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements Consistently Applying Balance Sheet Optimization Total Deposits Rp trillion Ve 1.3% yor 191.8 — Total Deposits 56.3% CASA Ratio (%) CASA t 9.9% yoy 1
Slide 13: Growing Loan Disbursement with Diversified Portfolio
6) Permata Bank (Rp trillion) A 74% yor 1668 151.4 | —66— | Total Loans iS | ——~~ Others | 2.9% yoy 88.8 97.1 — Corporate ' ' T 9.3% Yor — Consumer Cees 41.7% Yor | 184 Commercial 4 12.2% yoy dun-24 Jun-25 PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statemen
Slide 14: Credit Portfolio Quality Remains Sound with Prudent Provision Management
6) Permata Bank Credit Portfolio Quality Remains Sound with Prudent Provision Management i Non-Performing Loi Gross & Net NPL NPL Coverage Ratio V_ 0.3% Yoy (Gross NPL) Well-Maintained Above >300% c \ poctstseneees . 337.9% | 345.7% | — \ } ' Net NPL ; 0.4% 5 03% | 2.4% H ' H ' ' 21% i ' | Cost ' !
Slide 15: Maintaining Strong Capital with Liquidity Ratio Well Above Minimum Requirement
6) Permata Bank Maintaining Strong Capital with Liquidity Ratio Well Above Minimum Requirement Liquidity Coverage Ratio - LCR Return On Equity — ROE (%) (%) V 82.0% yor .- 1 1 363.8% 281.8% Jun-24 \ Jun-25 Net Stable Funding Ratio — NSFR (%) V 93% yoy ~ ‘ 134.7% 125.5% | Jun-24 Jun-25 Note: LCR is c
Slide 16: Strong Capital to Support Future Business Growth
6) Permata Bank Capital & Cl Total Cash Dividend (Rp trillior (Rp billion) ne CET-1 { , (Jun-25) ' | 9.6% yo 37.4 ‘ | Total Capital | | (Jun-25) ' 't 7.4% yD Dec-23 Dec-24 On 9 April 2025, Permata Bank held an Annual General Meeting of Shareholders (AGMS) and approved the distribution of cash divide
Slide 17: Permata Bank's Journey
6) Permata Bank Permata Bank’s Journey
Slide 18: 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 ee PermataBank y be a '\ Bangkok Bank Bangkok Bank Bangkok Bank Bangkok Bank fully Bangkok Bank Permata Bank Permata Bank acquired 89.
Slide 19: Shareholder Composition
6) Permata Bank Shareholder (%) Bangkok Bank Public Company Limited 89.12% As of 30 Jun 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 Public Companies” and the IDX Regulation No. I-A regarding the “Minim
Slide 20: Permata Bank Historical Share Price
6) Permata Bank Permata Bank Historical Share Price Historical Closing Price 2 Jan 2025 — 30 Sep 2025 IDX : BNLI 29-Sep-25 wy 72000 5,950 g S 5 6,000 23-Sep-25 $5,000 “80 S 4000 26 Feb 26 26-Jun-25 30-Jul-25 a OMA 3,260 3,260 = 3,000 8 11-Sep-25 5 2,000 3,320 2 % 1,000 5 () Jan-25 Feb-25 Mar-25 Apr-
Slide 21: Permata Bank Latest Updates
6) Permata Bank Permata Bank Latest Updates
Slide 22: Disclosure of Information Requirements
6) Permata Bank Disclosure of Information Requirements During the period from 1 January 2025, until now, Permata Bank has made several disclosures in the form of explanations regarding Volatility Transactions to fulfill the request for clarification from the Indonesia Stock Exchange, in accordance w
Slide 23: Announcement of Temporary Suspension of Stock Trading
6) Permata Bank Announcement of Temporary Suspension Of Stock Trading « In connection with a significant cumulative price increase in BNLI shares, the Indonesia Stock Exchange (IDX), through its announcement, had temporarily suspended trading of Permata Bank shares (IDX:BNLI), effective 30 September
Slide 24: Announcement of Temporary Suspension of Stock Trading
6) Permata Bank Announcement of Temporary Suspension Of Stock Trading em Regarding the cumulative price increase of Permata Bank shares (IDX:BNLI) that led to the trading suspension on 30 September 2025, the following can be conveyed: 1. All material information or facts known by the Company have be
Slide 25: fa fa Sf ae
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