Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — FY2025 Earnings Presentation
50 slides from Pt Bank Permata Tbk Class A's earnings presentation, 2026
Slide 1: Full Year 2025 Performance Results
6) Permata Bank Full Year 2025 Performance Results Corporate Presentation ee Seren 2026 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 Permata Bank Highlights Strategy Framework Permata Bank Milestones Modernization in Banking Experience Mobile Banking Permata ME Permata eBusiness Sustainability Framework and Strategy Sustainable Portfolio 13 | 2026 E
Slide 4: Management Highlights
re) Permata Bank Management Highlights
Slide 5: Permata Bank Highlights
* Note: Position as of 31 December 2025
Slide 6: Permata Bank Strategy Framework
o Permata Bank Strategy Framework ‘Ambition To become a Universal Bank that will be among ieee, the BEST preferred and sustainably profitable banks with prudent growth in Indonesia 3 Strategic Create the leading Becoming the primary Be the Market Leading Priorities \ Deposit and Wealth bank for tran
Slide 7: Permata Bank Milestones
6) Permata Bank Permata Bank Milestones 2025 Key Events and Achievements permet bent CAIINDO Wee 21-30 Nov 2025, ICE-BSD City Q + LAUNCHING 2, BERBAGI RUANG _ Permata Bank together with Bangkok Permata Bank and WWF calls for Cross-Industry Collaboration veces Sear is Bank held the Indonesia Investme
Slide 8: Modernization in Banking Experience
Permata Bank Modernization in Banking Experience New Modernized Branches opened in new locations PT Bank Permata Tbk FY 2025 —Management Highlights | 8
Slide 9: 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 10: Permata eBusiness
Permata Bank Permata eBusiness Permata Bank z 2 ‘ & may . New look for ars Son in better experience New look of Permata Instant notifications and Access real-time account f eBusiness transaction confirmations movements Permata eBusiness will come with fresher & cleaner interface New look to enhance
Slide 11: Sustainability Framework and Strategy
6) Permata Bank Sustainability Framework and Strategy TARGET TOWARDS NET ZERO Priority Area of Sustainability Permata Bank has set a target to achieve Net Zero Emissions for Scope 1 & 2 in Operations by 2030, and Net Zero Emissions in Financing by 2052. 1 Sustainable Financing & Investment 2 Sustain
Slide 12: Sustainable Portfolio
Sustainable Portfolio 6) Permata Bank Composition of Environmentally Friendly Business Activities (“KUBL”): stainable Business Activities Category (“KKUB”)*- Rp trilli 7 d Renewable Energy Sustainable - aan 1 “Na Rp8.4 trillion dae Transportation Th eee : Rp1.1 trillion - cAGR: Y err 7 22.6 - . . oo
Slide 13: 2026 Economic Outlook
re) Permata Bank 2026 Economic Outlook Macro & Banking Industry
Slide 14: The Four Horsemen of the Global Economy in 2026
6) Permata Bank E—, "| The Fou EF Rising geopolitical tensions Persistent global trade Diverging global policy rate Slower-than-expected China driving risk-off sentiment tensions path recovery Rising geopolitical tensions are A persistent trade war in 2026 Diverging monetary policy paths Aslower rec
Slide 15: Macro Highlights
6) Permata Bank Macro Highlights PMI & RSI Economic Growth, % 5.01 agg 5.03 5.07 5.17 5,02 5.31 5.05 5,03 5.11 47 &'2 504 539 56 3.70 54 52 50 48 46 | 44 469 50 42 Manufacturing PMI-Ihs_— ===Retail Sales Index - rhs ‘% of GDP 0 2.07 2 2 2 ¢ + = = = & 2 2 ; 9 ¢ S$ S$ #€ S& FS HF aA SF BH SB st wo © 5
Slide 16: Banking Industry Performance
Banking Industry Performance 6) Permata Bank Deposit Growth, % YoY Non Performing Loan, % Loan Growth, % YoY 13.83 10.46 9.63 2.05 2.26 2.05 2.16 6.96 10.38 777 4.48 3.73 zea 87-190 gz-Bny sz-unr sady Sz-ded vz-280 ye-100 ve-6ny ve-une vendy ve-G04 €t-08q £7400 ez-6ny ez-unr etdy €t-qe4 zea 7-100 sz
Slide 17: PIER's Economic and Market Forecast
6) Permata Bank PIER’s Economic and Market Forecast 2024 1Q25 2Q25 3Q25 4Q25 2025 26F 2027F National Account Real GDP (% yoy) 5.03 4.87 5.12 5.04 5.39 5.11 5.12 5.20 Real Consumption: Private (% yoy) 4.94 4.95 4.97 4.89 511 4.98 5.02 5.05 Real Consumption: Government (% yoy) 6.76 1.22 -0.32 5.66 4.5
Slide 18: Economic Opportunities and Challenges
6) Permata Bank Economic Opportunities and Challenges Over the Next 5 Years 4 ‘a 1. Demographic Dividend 1. Structural Bottlenecks 2. Green and Digital Transformation 2. Global Economic Volatility 3. Infrastructure Expansion 3. Fiscal and Debt Pressures %e ee 4. ASEAN and Indo-Pacific Integration 4.
Slide 19: Full Year 2025 Financial Performance
re) Permata Bank Full Year 2025 Financial Performance
Slide 20: Strong Revenue Structure and Sustainable Profit
6) Permata Bank Strong Revenue Structure and Sustainable Profit (Rp trillion) (Rp trillion) + 3.8% YOY + 0.6% YoY t 112.2 ! 19 — Non-Interest Income 08 08 09 on cr Ee : ' 4Q24 1Q25 2025 3Q25 4Q25 \,2024 20285 | ' ' Pre-Provision Operating Pr 1 : (Rp trillion) : H 9 ' !___ Net Interest Income + AT%YO
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 (%) (%) - 31 bps yoy co , -8 bps yoy ou , 4.3% ' ' 9 19%! ' ' ' 1.8% : 147%! ee 16% eK oO | i ' Dec-24 Mar-25 Jun-25 Sep-25 ' Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 r' Dec-25
Slide 22: Consistently Applying Balance Sheet Optimization
6) Permata Bank Consistently Applying Balance Sheet Optimization Total Assets Total Deposits (Rp trillion) Rp trillion + 3.6% YoY + 3.9% YoY ' ' 185.5 | — Total Deposits ' 268.3 259.1 55.3% ' ' 1 CASA Ratio (%) * : 102.5 ' ___ CASA ' : ' + 20.1% yor ' ' Time Deposits ' H — -16.1% Yor Deo-24 Deo25 De
Slide 23: Growing Loan Disbursement with Diversified Portfolio
6) Permata Bank Growing Loan Disbursement with Total Loans (Rp trillion) Diversified Portfolio Loans Composition %o + 5.5% YoY Others, _ . Consumer, 0.5% a a 26.2% 1549 163.3 | =< Total Loans q H | —= Others ' | As of o8 : ' - 4.0% Yoy 1 \ 31 Dec 2025 Corporate, \ ' Commercial, & 61.0% ' | —— Corpor
Slide 24: Diversified Loan Portfolio
Revolving Loans Trade Loans and Dealer Financing/DF Others* Total Loans
Slide 25: Diversified Loan Portfolio (2)
6) Permata Bank Diversified Loan Portfolio (2) Commercial Loans Commercial L (Rp trilli ial Loans Comp: %o Strengthen the potential of ecosystem partnerships and grow high quality credit Revolving Loans 42.7% Trade Loans & Dealer 19.8 20.2 Financing c As of 31 Dec 2025 8.6 Others* 16.9% 6.9 Term Loa
Slide 26: Diversified Loan Portfolio (3)
6) Permata Bank Diversified Loan Portfolio (3) Consumer Loans Consume! ans Compo: Consumer Loans (Rp trillion Mortgage as one of the main contributors of Consumer loan, currently focuses on primary market and strengthening partnership with main developers Joint Financing 11.3% 447 42.8 As of SME & E
Slide 27: Loan Diversification in Various Industrial Sectors
6) Permata Bank Loan Diversification in Various Industrial Sectors Dec-25 Loan Based on Industry Sector . . Growth ta: fo Personal Loan for Housing and Automotive 39.3 SIS -5.0% 22.9% Manufacturing 30.2 46.3 52.9% 28.3% Wholesale & Retail Trading 14.0 12.9 -8.3% 7.9% Other Services * 19.0 13.4 -29.5
Slide 28: Credit Portfolio Quality Remains Sound with Prudent Provision Management
6) Permata Bank Credit Portfolio Quality Remains Sound with Prudent Provision Management Non-Performing Loan — Non-Performing Loan — Gross & Net NPL NPL Coverage Ratio 0.0% YOY (Gross NPL) Well-Maintained Above >300% 375.5% i \ ' 99%: NetNPL 2.1% | 2.1% H ' ' Cost ' ! ‘of Credit* | Gross NPL ' ' Deo
Slide 29: Well Maintained LAR and LAR Coverage
6) Permata Bank Well Maintained LAR and LAR Coverage Loan At Ri: LAR (Rp trillion) - 15.9% Yor Loan At Risk — LAR Coverage Ratio (% % LAR/Total Loan 97.1% 12.2 | Total LAR ' 10.3 NPL az &7.7% yor : 3.4 ' | ' Col. 2 6.4 ' i— 2, 5.0 ' - 21.3% YOY a es Ee : ! - 30.5% Yoy Dec-24 1 Deo-25 ' Dec-24 PT Ban
Slide 30: Manageable Third-Party Funds (Deposits)
6) Permata Bank Manageable Third-Party Funds (Deposits) Corporate Deposits (Rp trillion) 59.7 21.8 Dec-24 1 CASA 37.9 ' +18.9% voy TD 15.5 - 28.9% Yor 101.5 103.5 1D 49.3 ' 46.4 ! - 6.0% Yor 52.2 om | = CASA 1 ! + 9.5% Yoy Dec-24 \ Dec-25 / PT Bank Permata Tbk Source : Published report, numbers are
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 (%) (%) - 43.8% YOY \ 340.2% | 296.5% | Dec-24 \ Dec-25 } Net Stable Funding Ratio —- NSFR %. -1.6% YOY ‘\ / . | 34.6% 33.5% | 346% 33.6% 128.5% 126.8
Slide 32: Strong Capital to Support Future Business Growth
6) Permata Bank Capital & CET-1 (Rp trillion) | +7.8% YTD aA 40.1 Dec-23 Dec-24 4 ' otal Capital | (Dec-25) On 9 April 2025, Permata Bank held an Annual General Meeting of Shareholders (AGMS) and approved the distribution of cash dividend of Rp1,085 billion (representing Rp30 per share) to sharehold
Slide 33: About Permata Bank
re) Permata Bank About Permata Bank
Slide 34: Board of Commissioners
6) Permata Bank Board of Commissioners Chartsiri Sophonpanich Chong Toh Niramarn Laisathit Chalit Tayjasanant Haryanto Sahari Goei Siauw Hong President Commissioner Commissioner Commissioner Commisionet Independent Commissioner Independent Commissioner Yap Tjay Soen Riswinandi Independent Commission
Slide 35: Board of Directors
Permata Bank Board of Directors Meliza Musa Rusli Dhien Tiahajani Djumariah Tenteram Dayan Sadikin Setiatno Budiman Rudy Basyir Ahmad, Preskdent Director Director of Legal and Compliance Director of Consumer Banking Director of People ond Culture Director of Risk Director of Finance and Sharia Busin
Slide 36: The Controlling Shareholder
re) Permata Bank The Controlling Shareholder Bangkok Bank as the controlling shareholder since May 2020 Scope of Services Share Ownership Bangkok Bank serves more than As of December 31, 2025, Bangkok 200 overseas branches in 8 ASEAN Bank owns 89.12% of Permata = : a countries (excluding Thailand) a
Slide 37: Permata Bank At-a-Glance
6) Permata Bank Year Established 1954 Listed at IDX 1990 Stock Code BNLI Shareholders Bangkok Bank - 89.12% Public — 10.88% Total Asset Rp268.3 trillion Market Capitalization Rp186.3 trillion Permata Bank At-a-Glance Business Segment Consumer Banking Corporate Banking Commercial Banking Product & Se
Slide 38: Innovation to Serve Customers Better
Permata Bank Innovation to Serve Customers Better Permata Tel ‘ . , 2 fi ! = Permata ME" 4 Anew solution for your business A personalized and efficient online The system that integrates. Mobile Banking for that allows consumers to make banking experience. Manage all Customer's platform to be directl
Slide 39: Credit Card Product Offer
6) Permata Bank Credit Card Product Offer Permata Ultimate Card Gateway to Explore The Exquisite Japanese Lifestyle & Beyond Rp10,000 per 1 mile for 8x Complimentary Access Japanese Lifestyle-Theme Free Annual Fee for Priority retail transaction and to World’s Best Airport Merchant Promo All Year Cu
Slide 40: Debit Card Feature with International Flexibility
6) Permata Bank Debit Card Feature with International Flexibility 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
Slide 41: Convenient Debit Card Management via Permata ME
6) PermataBank | Convenient Debit Card Management via Permata ME . . . e Primary Accou Request and Blok Debit Card Debit Card Transaction Control Debit Card Q remain QPemetent Q pewmeta Bonk & Permata Bark Ajukan kartu debit Blokir kartu debit lebih simple Kelola transaksi Ubah rekening jadi lebih p
Slide 42: Top Banks in Indonesia
Top 10 Banks in Indonesia with National Banking Coverage 232* 834 .000+ Network Offices ATMs Indomaret Channels 6) Permata Bank resence (eames pp) — Sumatera 20 Bali 10 Conventional 7 Conventional 10 Sharia 3 Kepulauan Riau 3 Lombok 1 Conventional 3 Conventional 1 ———— (xalimonton Bangka Belitung 1
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Slide 44: 2025 CSER Permata Hati Achievements
6) Permata Bank 2025 CSER Permata Hati Achievements @ a 13.342 (3.720 Total Beneficiaries EVOs Social Responsibilities through Financial Literacy Banking for Student Diversity, Equity & Inclusion Financial literacy program he 2 2 Vocational Training & 3 for students and teachers. f i Batch of UMKM +
Slide 45: Balance Sheet
6) Permata Bank ash lacement with Bank Indonesia lacement with Other Banks ketable S llowance for Loan Impairment Losses Current Accounts Saving Accounts Time Deposits s & Shareholders’ Equity PT Bank Permata Tbk Source : Published Report, numbers are Calculated using Bank Only Statements Balance Sh
Slide 46: Income Statement
6) Permata Bank PT Bank Permata Tbk 2021 2022 9,122 11,018 (2,381) 2,614 2023 9,996 12,047 (2,567) 3,350 2024 10,223 12,172 (1,529) 4,608 Source : Published Report, numbers are Calculated using Bank Only Statements Income Statement 2025 2025 CAGR5 10,022 12,636 (1,788) 16.9% 4,631 0.59 FY 2025 — Abo
Slide 47: Financial Ratios
6) Permata Bank Financial Ratios Dec-25 9 ial Ratios (in %) A YoY (%) (LDR) Note: LCR is calculated quarterly basis PT Bank Permata Tbk Source : Published Report, ratios are Calculated using Bank Only Statements FY 2025 — About Permata Bank | 47
Slide 48: Stock Information
6) Permata Bank Stock Information Closing Price & Trading Volume 30 Dec 2024 - 30 Dec 2025 IDX: BNLI 7,000 35,000,000 30-Dec-25, 5,150 > IDX : BNLI De Dec-24 Dec-25 6,000 30,000,000 Price (Rp) 920 945 5,150 8 5,000 / 26,000,000 ¢ ——PBV (x) 08 08 4a a 8 é 3 P/ERatio* 13 10 52 & 4,000 20000000 Ser cap
Slide 49: Latest Bank Publication
6) Permata Bank Latest Bank Publication Corporate Financial Annual Press Sustainability Presentation Report Report Release Report PT Bank Permata Tb! FY 2025 — About Permata Bank | 4¢
Slide 50: fa fa Sf ae
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