Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — Q1 2025 Earnings Presentation
52 slides from Pt Bank Permata Tbk Class A's earnings presentation, May 2025
Slide 1: First Quarter of 2025 Performance Results
6) Permata Bank First Quarter of 2025 Performance Results Corporate Presentation ~_ lay 2025 — =—_ a -
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 14 15 16 Permata Bank Highlights Strategy Framework Permata Bank's Journey Permata Bank Rebranding Modernization in Banking Experience Mobile Banking Permata ME Newest Credit Card Product Relaunch Credit Card Produ
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 82 240 Rp264 Tn Rp157 Tn ATMs Indomaret C
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 New Modernized Branches opened in new locations PT Bank Permata Tbk Note : In Q1-2025, renovated branches that were relocated to new locations were reclassified s0005 - 5 from “existing branches renovated” to “new modernized branches” 102025 Managemen
Slide 10: 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: Newest Credit Card Product Relaunch
6) Permata Bank Newest Credit Card Product Relaunch AirAsia Card Flying experience in more comfortable way Q Permate Bonk rewards Q Permota Bank rewards Q Pormata Bank Orewards Q Permote Bank rewards Check in lebih dulu Boarding lebih cepat Bagasi keluar lebih dulu Rewards di setiap dengan AirAsia C
Slide 12: Credit Card Product Launch
6) Permata Bank 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 Best Air
Slide 13: Debit Card Feature Launch
6) Permata Bank Debit Card Feature Launch Permata Glo Free Conversion Rate to explore the world Acombination 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, busi
Slide 14: 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 Instant no
Slide 15: Shareholder Composition
6) Permata Bank Shareholder (%) Shareholder Composition Fulfillment of Bangkok Bank’s Shares Refloating Obligation Bangkok Bank Public Company Limited 89.12% As of 31 March 2025 Public 10.88% On 23 August 2024, Bangkok Bank has effectively fulfilled the OJK Regulation No. 9/POJK.04/2018 concerning t
Slide 16: Sustainability Strategy
6) Permata Bank Sustainability Strategy Priority Area of Sustainability Sustainable Financing 5 Sustainable Procurement Sustainable Product / Solutions 6 Sustainability Learning Climate Change Related Risk 7 oe” Equity, and Inclusion Net Zero Emission (NZE) 8 Green and Social Impact for Banking Oper
Slide 17: 2025 Economic Outlook: Macro & Banking Industry
re) Permata Bank 2025 Economic Outlook Macro & Banking Industry
Slide 18: Global Risks on Economy & Financial Market
6) Permata Bank Global Risks on Economy & Financial Market Chino’s ‘slower-for-longer’ economy, amid trade war against the US, may affect Indonesia's external balance and stability, while also heightening risk-off sentiment in capital markets. Trump’s inward-looking policies, particularly reciprocal
Slide 19: Macro Highlights
Macro Highlights Manufacturing PMI & Retail Sales 6) Permata Bank Economic Growth, % ——Retail Sales Index (RHS) Manufacturing PMI (LHS) 97-0 pz-deg ve-bny voir pe-une vZ-ADIN veady PZ-IOW 0-994 ye-uer €%-99Q ET-AON E70, vZ0% €Z0Z adela 8107 L107 9107 LOZ voz Bl-rate Determinants g a 8 = 5 3 g rs 2 Q
Slide 20: Banking Industry
Banking Industry 6) Permata Bank Non Performing Loan, % Deposit Growth, %YoY Loan Growth, %YoY 5.51 10.27 ve-unr ve-ADN pedy PTO @-Ge4 yz-uor €t-08q ET-AON €¢-4900 €c-das €z-6ny €z-1nr ez-unr €C-ADI etady 740 €7-G04 ez-uor 7-080 Capital Adequacy Ratio, % Net Interest Margin, % Loan-to-Deposit Ratio,
Slide 21: PIER's Economic and Market Forecast
6) Permata Bank PIER’s Economic and Market Forecast As of 14 April 2025 2024 1Q25F 2Q25F 3Q25F 4Q25F 2025F 2026F 2027F (National Account ‘Real GDP (% yoy) ‘Real Consumption: Private (% yoy) |Real Consumption: Government (% yoy) ‘Real Gross Fixed Capital Formation (% yoy) | “Real Export (% yoy) Reali
Slide 22: First Quarter of 2025 Financial Performance
re) Permata Bank First Quarter of 2025 Financial Performance
Slide 23: 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 49% Yor V 2.3% yoy 13 08 0.7 i 08 | nn i | nF 3.0 3.0 0.6 3.0 : 1Q24 2Q24 3Q24 4Q24 1Q25 ! 05 0.5 . 0.3 —— Non-Interest Income _ . So Pre-Provision Operating Profit t 21.2
Slide 24: 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 (%) (%) VW 2ibpsyoy =~ WV 10bpsyoy oy 44% 4.3% 4.3% 4.3% 1.9% 1.8% Mar-24 Jun-24 Sep-24 Dec-24 Mar-24, Jun-24 Sep-24 Dec-24 Loan to maar Ratio— LDR Cost to Income Ratio —
Slide 25: Consistently Applying Balance Sheet Optimization
6) Permata Bank Consistently Applying Balance Sheet Optimization Total Assets Total Deposits (Rp trillion) Rp trillion A 4.5% yoy A 4.8% yoy — Total Deposits | 2643 178.8 252.8 57.7% ' ' CASA Ratio (%) | CASA ' ' 1 6.5% YoY 103.2 ' ' Time Deposits | ~~ 4 2.6% vor Mar-24 . Mar25 | Mar-24 : : PT Bank
Slide 26: Growing Loan Disbursement with Diversified Portfolio
6) Permata Bank Growing Loan Disbursement with Diversified Portfolio Total Loans Loans Composition (Rp trillion) %. A 6.0% Yor { 156.6 \ — Total Loans CS | Others Conventional, | 2.8% Yor 83.8% 86.2 — Corporate . | : As of 7.0% | ' _ 31 Mar 2025 — Consumer : : i Sharia, os : | “ener 16.2% | 183 ' 19
Slide 27: Diversified Loan Portfolio (1) Corporate Loans
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 6) Permata Bank Term Loans 62.3% Revolving Loans 92.2 31.8% 86.2 As
Slide 28: Diversified Loan Portfolio (2) Commercial Loans
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 Revo Trade ° Loans & 39.6% Dealer 19.3 Financing 18.3 9.8% As of 31 Mar 2025 Others* Term Loans 19.3% Mar-
Slide 29: Diversified Loan Portfolio (3) Consumer Loans
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 10.7% 42.4 44.3 SME & EBB 14.2% As of Mortgage 31 M
Slide 30: Loan Diversification in Various Industrial Sectors
6) Permata Bank Loan Diversification in Various Industrial Sectors Loan Based on Industry Sector Mar-24 Mar-25 alow] en (Rp trillion) YoY (%) (%) Personal Loan for Housing and Automotive 37.5 38.9 3.7% 24.8% Manufacturing 25.5 32.7 28.2% 20.9% Wholesale & Retail Trading 16.3 14.6 -10.4% 9.3% Other S
Slide 31: 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 WV 0.7% yoy (Gross NPL) Well-Maintained Above >300% i ——_——_o Net NPL 0.3% \ 0.3% ' H ' 2.7% ' ! / 20% | ‘Cost ' ! ‘of Credit* : ' Gross NPL ' ' Mar-24
Slide 32: 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 2.4% Yor A 1.3% yoy 99.5% 4 8.2% % LAR/Total Loan om 78% 124 18 | Total LAR ag ' NPL 4.0 ; | 22.3% yoy 47 64 1 Col.2 : | 1.301% yor : — | 23.3% Yoy Mar-24. \ Mar-25 ! Mar-24. PT
Slide 33: Manageable Third-Party Funds (Deposits)
6) Permata Bank Corporate Deposits (Rp trillion) “599 1D } 24.7% voy ' | __ CASA daz + 14.3% voy V 38%yYoY - 105.0 101.0 1D 49.1 ' A716 1 3.1% Yor | i -= 1 | 4.3% voy Mar-24 ve Mar-25 PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements Manageable Third-Pa
Slide 34: 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 43.5% YoY .- 1 1 | 393.1% | 7 a Mar-24 \ Mar25 Net Stable Funding Ratio — NSFR % V 5.8% voy ~ ‘ 128.0% : 122.2% | Mar-24 Mar25 Note: LCR is c
Slide 35: Strong Capital to Support Future Business Growth
6) Permata Bank Capital & Cl Total Cash Dividend (Rp trillior (Rp billion) . CET i. \ (Mar-25) aA | 440° | t 7.2% yoy ' ' Total Capital | | (Mar-25) ' ' t 6.9% voy Dec-23 Dec-24 On 9 April 2025, Permata Bank held an Annual General Meeting of Shareholders (AGMS) and approved the distribution of cash
Slide 36: About Permata Bank
re) Permata Bank About Permata Bank
Slide 37: Board of Commissioners
6) Permata Bank Chartsiri Sophonpanich President Commissioner Education + Masters in Management from the Sloan School of Management, Massachusetts Institute of Technology, United States * Masters in Chemical Engineering from the Sloan School of Management, Massachusetts Institute of Technology, Unit
Slide 38: Board of Commissioners
6) Permata Bank 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 Tbk (2019— 2023)
Slide 39: Board of Directors
6) Permata Bank Meliza Musa Rusli President Director Education * Master of Business Administration from the University of Melbourne, Australia * Bachelor of Engineering in Electrical Engineering from the University of Indonesia Experience * Deputy President Director at Permata Bank (2022) * Chief of
Slide 40: Board of Directors & Executive Officers (Chiefs)
6) Permata Bank Board of Directors & Executive Officers (Chiefs) Dayan Sadikin Setiatno Budiman People and Culture Director Risk Director Education Education + Master of Commerce (Advanced Specialization in Human + Master of Business Administration (MBA) from Oklahoma City Resources Management) from
Slide 41: Board of Directors & Executive Officers (Chiefs)
6) Permata Bank Board of Directors & Executive Officers (Chiefs) Evi Hiswanto Corporate Banking Director Nithawadee Limpodom Chief of International Business Education Development & Advisory * Bachelor of Economics-Finance, University of Sydney, i Education Australia + Master of Business Administrati
Slide 42: Board of Directors & Executive Officers (Chiefs)
Permata Bank Board of Directors & Executive Officers (Chiefs) 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 t
Slide 43: 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 Rp264 trillion Market Capitalization Rp92 trillion Permata Bank At-a-Glance Business Segment Consumer Banking Corporate Banking Commercial Banki
Slide 44: 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 45: Top Banks in Indonesia with National Banking Coverage
6) Permata Bank Top 10 Banks in Indonesia with National Banking Coverage 240* Latest Modernized Branch @ Net Indomaret Channels Launched Sumatera 21 Kepulauan Riau 3 Kalimantan 10 Sulawesi 6 Conventional 18 Conventional 3 Conventional 8 Conventional 5 Sharia 3 Sharia 2 Sharia 1 JIIPE Gresik (Dec 202
Slide 46: Awards & Achievements
6) Permata Bank Awards & Achievements January - March 2025 8th Infobank Satisfaction, Loyalty, and Engagement Awards 2025: * The 2nd Best in KBMI III Bank in Satisfaction, Loyalty, and Engagement * The 2nd Best in KBMI Ill Bank in Customer Engagement * The 2nd Best in KBMI Ill Bank in Customer Centr
Slide 47: Q1-2025 CSER Permata Hati Achievements
6) Permata Bank Q1-2025 CSER Permata Hati Achievements Since 2011, the Bank is committed to continuously contribute to community building 686 = +8.5K a +107K 82 Schools & Communities Student Scholarships Total Beneficiaries Strategic Partners ; PermataCERITA te j oL epee . . . Ciaran SPRRe Social Re
Slide 48: Balance Sheet
6) Permata Bank Balance Sheet Placement with Other Banks Allowance for Loan Impairment Losses . (12.1) (11.8) _ Total Assets _ Deposits - Current Accounts - Time Deposits __ Total Liabi Total Liabilities & Shareholders’ Equity PT Bank Permata Tbk Source : Published Report, numbers are Calculated usi
Slide 49: Income Statement
6) Permata Bank Income Statement in Rp bill FY 2021. FY2022 FY2023 1Q2024 FY2024 1Q2025 Net Interest Income i 7,975. 9,122 9,996 2,490 10,223 _Non-Interest Income : 2,543 | 1,896 2,050 489 1,949 Revenue L..10,518 | 11,018 12,047 2,979 12,172 Operating Expense L (5,458) (6,041) (6,144) (1,474) (6,048
Slide 50: Financial Ratios
6) Permata Bank Financial Ratios 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) Note: LCR is calculated quarterly basis PT Bank Permata Tbk So
Slide 51: Stock Information
6) Permata Bank Stock Information Closing Price & Trading Volume 28 March 2024 — 27 Mar 2025 IDX: BNLI 3,000 25,000,000 IDX: BNLI Dec-23 Mar-24 De 27-Mar-25, 2,530 > \ Price (Rp) 920 975 2,500 20,000,000 > PBV (x) 08 0.9 08 24 3S = & 2,000 3 -P/ERatio* 13 " 10 29 3 2 é 15,000,000 £& wo“ Market Cap c
Slide 52: fa fa Sf ae
fa fa Sf ae = — ———- a