Pt Bank Permata Tbk Class A · IDX:BNLI
Pt Bank Permata Tbk Class A — H1 2026 Earnings Presentation
50 slides from Pt Bank Permata Tbk Class A's earnings presentation, July 2026
Slide 1: First Semester of 2026 Performance Results
First Semester of 2026 Performance Results Corporate Presentation July 2026
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 18 | First Semester of 2026 Financial Performance 19 Strong Revenue Structure and Sustainable Profit 04 | Management Highlights 20 Efficient Business Process and Well-Maintained Performance 05 Permata Bank Highlights 21 Consistently Applying Balance Sheet Optimizati
Slide 4: Management Highlights
© Permata Bank Management Highlights
Slide 5: Permata Bank Highlights
Permata Bank Highlights Permata Bank’s Footprint Key Financial Highlights Cities Presence Network Offices* Total Assets Total Loans 81 230 Rp272.6 trillion Rp171.2 trillion +3.2% +5.3% ATMs Indomaret Channels 821 20,000+ Total Deposits PAT Rp189.2 trillion Rp1.7 trillion Total Employees Total Custom
Slide 6: Strategy Framework
Strategy Framework To become a Universal Bank that will be among Ambition the BEST preferred and sustainably profitable banks with prudent growth in Indonesia 1 2 3 3 Strategic Create the leading Becoming the primary Be the Market Leading Priorities Deposit and Wealth bank for transaction on custome
Slide 7: Modernization in Banking Experience
Modernization in Banking Experience For All Generations Modernized Branch Re-imagined Branch Developments up to 1H 2026 17 New Modernized Branches opened in new locations Queuing by Qmatic System Queue Notification via WA Equity Tower JIIPE Jakarta Premium Outlets Jakarta (Oct 2024) Gresik (Dec 2024
Slide 8: Mobile Banking Permata ME
Mobile Banking Permata ME Permata Bank’s Latest 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 Enjoy exclusive rates on inter-account transfers within Per
Slide 9: Permata eBusiness
Permata eBusiness The Latest Corporate Portal for Banking Beyond Boundaries New look of Permata Instant notifications and Access real-time account eBusiness transaction confirmations movements Feature Highlights New look to enhance client experience and engagement Comprehensive account holding infor
Slide 10: Sustainability Framework and Strategy
Sustainability Framework and Strategy TARGET TOWARDS NET ZERO Priority Area of Sustainability Permata Bank has set a target to achieve Net Zero Priority Area of Emissions for Scope 1 & 2 in Operations by 2030, and Net Zero Emissions in Financing by 2052. 1 Sustainable Financing & Investment Sustaina
Slide 11: Sustainable Financing Portfolio
Sustainable Financing Portfolio Sustainable Business Activities Category (“KKUB”)* - Rp trillion Composition of Environmentally Friendly Business Activities (“KUBL”): 18.1% YoY Renewable Energy Sustainable Rp11.10 trillion Transportation 33.7 Rp0.82 trillion 30.1 28.5 22.6 Pollution Prevention Green
Slide 12: 2026 Economic Outlook Macro & Banking Industry
2026 Economic Outlook Macro & Banking Industry
Slide 13: The Four Horsemen of the Global Economy in 2026
The Four Horsemen of the Global Economy in 2026 Rising geopolitical tensions driving Persistent trade war Uncertainty in global policy Slower-than-expected risk-off sentiment uncertainty rate paths recovery in China Uncertain monetary policy Escalating geopolitical tensions in Ongoing trade war unce
Slide 14: Macro Highlights
IDR per USD 2016 5.03 17,300 18,300 16,800 17,800 15,800 16,300 Jun-25 2017 5.07 Jul-25 2018 5.17 Aug-25 PT Bank Permata Tbk 2019 5.02 Aug-25 16,110 Sep-25 2020 -2.07 Oct-25 2021 3.70 Oct-25 2022 5.31 Nov-25 Dec-25 2023 Jan-26 2024 5.05 5.03 16,690 Jan-26 2025 5.11 Economic Growth, % Feb-26 Mar-26 T
Slide 15: Banking Industry Performance
Oct-23 Oct-23 Dec-23 Dec-23 Feb-24 Feb-24 83.83 10.38 Apr-24 Apr-24 Jun-24 Jun-24 Aug-24 Aug-24 Oct-24 Oct-24 PT Bank Permata Tbk Dec-24 Dec-24 Feb-25 Feb-25 88.57 10.46 Apr-25 Apr-25 Jun-25 Jun-25 86.40 7.77 Loan Growth, % YoY Aug-25 Aug-25 Loan-to-Deposit Ratio, % Oct-25 Oct-25 Dec-25 Dec-25 85.40
Slide 16: PIER's Economic and Market Forecast
PIER’s Economic and Market Forecast 2025 1Q26 2Q26F 3Q26F 4Q26F 2026F 2027F 2028F National Account Real GDP (% YoY) 5.11 5.61 5.29 5.14 5.03 5.26 5.22 5.33 Real Consumption: Private (% YoY) 4.98 5.52 5.25 5.16 5.13 5.26 5.09 5.18 Real Consumption: Government (% YoY) 2.50 21.81 10.43 6.24 5.16 9.83 5
Slide 17: Economic Opportunities and Challenges
Economic Opportunities and Challenges Over the Next 5 Years Opportunities Challenges 1. Demographic Dividend 1. Structural Bottlenecks 2. Green and Digital Transformation 2. Global Economic Volatility 3. Infrastructure Expansion 3. Fiscal and Debt Pressures 4. ASEAN and Indo-Pacific Integration 4. H
Slide 18: First Semester of 2026 Financial Performance
First Semester of 2026 Financial Performance
Slide 19: Strong Revenue Structure and Sustainable Profit
Strong Revenue Structure and Sustainable Profit Total Revenue Profit After Tax – PAT (Rp trillion) (Rp trillion) -1.2% YOY +4.5% YOY 1.6 1.7 1.2 0.9 0.9 0.8 0.7 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 6.2 6.1 Pre-Provision Operating Profit 1.1 1.3 (Rp trillion) Total Revenue Non-Interest Income -6.4% YOY
Slide 20: Efficient Business Process and Well-Maintained Performance
Efficient Business Process and Well- Maintained Performance Net Interest Margin – NIM Return On Assets – ROA (%) (%) -28 bps YOY +4 bps YOY 1.9% 1.7% 1.8% 4.1% 4.1% 1.6% 1.7% 4.0% 3.9% 3.8% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Loan to Deposit Ratio – LDR Cost to Inco
Slide 21: Consistently Applying Balance Sheet Optimization
Consistently Applying Balance Sheet Optimization Total Assets Total Deposits (Rp trillion) (Rp trillion) +3.2% YOY -0.0% YOY 189.3 189.2 Total Deposits 272.6 264.2 62.7% CASA Ratio (%) 57.9% 109.6 CASA 118.7 -7.6% YOY Time Deposits 70.6 79.6 +12.8% YOY Jun-25 Jun-26 Jun-25 Jun-26 PT Bank Permata Tbk
Slide 22: Growing Loan Disbursement with Diversified Portfolio
Growing Loan Disbursement with Diversified Portfolio Total Loans Loans Composition (Rp trillion) (%) +5.3% YOY Others, Consumer, 0.5% Total Loans 24.6% 171.2 162.6 0.8 Others 0.8 -3.3% YOY As of 30 Jun 2026 Corporate, Commercial, 62.2% Corporate 12.8% 97.0 106.4 +9.7% YOY Consumer Conventional, As o
Slide 23: 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 Loans 106.4 Term Loans 41.2% 97.0 54.2% 2.3 2.2 2.6 2.7
Slide 24: 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 Revolving Trade Loans Loans 21.9 & Dealer 20.8 39.7% Financing 3.9 3.9 8.0% 1.8 As of 1.4 30 Jun 2026 8.6 8.
Slide 25: Diversified Loan Portfolio (3)
Diversified Loan Portfolio (3) Consumer Loans Consumer Loans Consumer Loans Composition (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 12.3% 44.0 42.1 6.3 7.0 As of SM
Slide 26: Loan Diversification in Various Industrial Sectors
Loan Diversification in Various Industrial Sectors Jun-26 Loan Based on Industry Sector Growth Jun-25 Jun-26 Composition (Rp trillion) YoY (%) (%) Personal Loan for Housing and Automotive 38.6 35.9 -7.1% 21.0% Manufacturing 39.0 55.3 42.0% 32.3% Wholesale & Retail Trading 15.0 14.4 -4.0% 8.4% Other
Slide 27: 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 +0.0% YOY (Gross NPL) Well-Maintained Above >300% 367.5% 345.7% 0.3% 0.3% Net NPL 1.4% 1.0% 2.1% 2.1% Cost of Credit* Gross NPL Jun-25 Jun-26 Jun-25
Slide 28: Well Maintained LAR and LAR Coverage
Well Maintained LAR and LAR Coverage Loan At Risk – Loan At Risk – LAR (Rp trillion) LAR Coverage Ratio (%) -11.2% YOY +27.9% YOY 7.0% 128.8% % LAR/Total Loan 5.9% 100.9% 11.5 10.2 Total LAR 3.3 NPL 3.6 +6.7% YOY 5.8 Col. 2 5.0 -14.0% YOY 2.3 1.6 Col. 1 Restructured -29.7% YOY Jun-25 Jun-26 Jun-25 J
Slide 29: Manageable Third-Party Funds (Deposits)
Manageable Third-Party Funds (Deposits) Corporate Deposits Commercial Deposits (Rp trillion) (Rp trillion) +0.1% YOY +2.5% YOY 57.6 57.6 TD 53.0% YOY 27.1 27.8 TD 13.0 19.9 CASA 10.3 11.7 +13.6% YOY 44.6 37.7 -15.4% YOY 16.8 16.1 CASA -4.2% YOY Jun-25 Jun-26 Jun-25 Jun-26 Consumer Deposits Deposit C
Slide 30: 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 (%) (%) +51.5% YOY -0.0% YOY 333.4% 281.8% 6.3% 6.3% Jun-25 Jun-26 Jun-25 Jun-26 Net Stable Funding Ratio – NSFR CAR, Tier-1 & CET-1 (%) (%) -1.5% YOY 33.5% 32.4% 33.0
Slide 31: Strong Capital to Support Future Business Growth
Strong Capital to Support Future Business Growth Capital & CET-1 Total Cash Dividend (Rp trillion) (Rp billion) +16.7% YOY CET-1 (Jun-26) 35.0 -2.6% YTD 30.0 40.1 43.3 42.2 1,266 1,085 As the Controlling Shareholder of Total Capital Permata Bank, Bangkok Bank is (Jun-26) committed to providing full
Slide 32: About Permata Bank
© Permata Bank About Permata Bank
Slide 33: Board of Commissioners
Board of Commissioners As of 30 June 2026 PT Bank Permata Tbk 1H 2026 – About Permata Bank | 33
Slide 34: Board of Directors
Board of Directors As of 30 June 2026 PT Bank Permata Tbk 1H 2026 – About Permata Bank | 34
Slide 35: The Controlling Shareholder
The Controlling Shareholder Bangkok Bank as the controlling shareholder since May 2020 Scope of Services Share Ownership Bangkok Bank serves more than As of June 30, 2026, Bangkok Bank 220 overseas branches in 14 owns 89.12% of Permata Bank's countries (excluding Thailand) and shares, while the rema
Slide 36: Permata Bank At-a-Glance
Permata Bank At-a-Glance Year Established 1954 Business Segment Total Employee Listed at IDX Consumer Banking > 6,600 1990 Corporate Banking Stock Code Commercial Banking BNLI Shareholders Product & Service Total Customer Bangkok Bank - 89.12% Conventional > 6.1 Million Public – 10.88% Sharia Total
Slide 37: Innovation to Serve Customers Better
Innovation to Serve Customers Better The system that simplifies the Information and banking service Mobile Banking for An easy and safe way to receive The ease of banking transaction process of various banking through phone, email and All of Your Banking Needs payments for your business through web-
Slide 38: Credit Card Product Offer
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 Customers, both Ba
Slide 39: Debit Card Feature with International Flexibility
Debit Card Feature with International Flexibility Permata Global Card Free Conversion Rate to explore the world A combination 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
Slide 40: Convenient Debit Card Management via Permata ME
Convenient Debit Card Management via Permata ME Change Primary Account Request and Blok Debit Card Debit Card Transaction Control Debit Card Live: 11 January 2025 Live: 5 June 2025 Live: 18 November 2025 PT Bank Permata Tbk 1H 2026 – About Permata Bank | 40
Slide 41: Permata Bank National Banking Coverage
Permata Bank National Banking Coverage 81 230* 821 20.000+ Cities Presence Network Offices ATMs Indomaret Channels Sumatera 20 Bali 10 Conventional 17 Conventional 10 Sharia 3 Kepulauan Riau 3 Lombok 1 Conventional 3 Conventional 1 Bangka Belitung 1 Kalimantan 9 Conventional 1 Conventional 7 Sharia
Slide 42: Awards & Achievements
Awards & Achievements January – June 2026 January January 9th Infobank Satisfaction, Loyalty, and Otoritas Jasa Keuangan – Engagement Awards 2026 Indonesia Anti-Scam Center March Surat Berharga Syariah Negara Terbaik (Best Sovereign Sharia Securities) Year 2025 • Appreciation for contribution in eff
Slide 43: Awards & Achievements
Awards & Achievements January – June 2026 May May June FocusEconomics Analyst Forecast Awards Best Corporate Emission Reduction 23rd INFOBANK-MRI Customer Experience Transparency Awards 2026, Investortrust ID Appreciation • #1 Forecaster for Indonesia GDP in 2026 • Trusted Green Achievement in Emiss
Slide 44: CSER Permata Hati
CSER Permata Hati Five-year Achievement Summary | 2022 – June 2026 43,210 14,271 40,931 Total Beneficiaries Employee Volunteer (EVO) Poin Senyum Avg. 3,500/ year Social Responsibilities through Financial Literacy Banking for Student Diversity, Equity & CERITA (Employee Financial literacy program Inc
Slide 45: Balance Sheet
Balance Sheet Dec-22 Dec-23 Dec-24 Jun-25 Dec-25 Jun-26 Jun-26 in Rp trillion YoY Cash 1.9 1.8 1.7 1.5 1.7 1.6 9.0% Placement with Bank Indonesia 52.6 29.7 18.7 12.2 12.8 11.9 -2.0% Placement with Other Banks 4.8 5.3 5.3 9.0 6.1 9.6 6.7% Marketable Securities 55.1 70.5 70.4 68.1 75.6 61.0 -10.1% Loa
Slide 46: Income Statement
Income Statement 2022 2023 2024 1H 2025 2025 1H 2026 1H 2026 in Rp billion YoY Net Interest Income 9,122 9,996 10,223 5,043 10,022 4,835 -4.1% Non-Interest Income 1,896 2,050 1,949 1,134 2,613 1,270 12.1% Revenue 11,018 12,047 12,172 6,177 12,636 6,106 -1.2% Operating Expense (6,041) (6,144) (6,048)
Slide 47: Financial Ratios
Financial Ratios Dec-22 Dec-23 Dec-24 Jun-25 Dec-25 Jun-26 Jun-26 Financial Ratios (in %) YoY (%) CET-1 ratio 25.7 26.9 26.4 25.6 26.6 24.7 -0.9 Total CAR 34.2 35.3 34.7 33.5 34.6 33.0 -0.5 Loan to Deposit Ratio (LDR) 68.9 74.8 82.7 85.6 84.5 90.3 4.7 CASA Ratio 58.0 55.0 55.3 62.7 63.9 57.9 -4.8
Slide 48: Closing Stock Price (in Rp/Share)
Stock Information Closing Price & Trading Volume 30 Dec 2024 – 30 June 2026 IDX : BNLI 7,000 35,000,000 29-Dec-25, 5,050 IDX : BNLI Dec-24 Jun-25 Dec-25 Jun-26 6,000 30,000,000 Price (Rp) 945 2,780 5,150 2,300 Closing Stock Price (in Rp/Share) PBV (x) 0.8 2.3 4.1 1.8 5,000 25,000,000 Trading Volume
Slide 49: Latest Bank Publication
Latest Bank Publication Corporate Financial Annual Press Sustainability Presentation Report Report Release Report PT Bank Permata Tbk 1H 2026 – About Permata Bank | 49
Slide 50: Thank You
Thank You PT Bank Permata Tbk World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Website https://www.permatabank.com/ Telephone (021) 523 7788 Investor Relations investor.relations@permatabank.co.id