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N/ Permata Bang P & N PT Bank Permata Tbk PUBLIC EXPOSE FY 2023 Performance Presentation
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Disclaimer Permatabani 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 warranty (expressed or implied) is made to the accuracy or completeness of the information. All opinions and estimations included in this report constitute our judgment as of this date and are subject to change without prior notice. We disclaim any responsibility or liability without prior notice of PT Bank Permata Tbk and/or their respective employees and/or agents whatsoever arising which may be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither PT Bank Permata Tbk and/or its affiliated companies and/or their respective employees and/or agents accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise. PT Bank Permata Tbk FY2023 Disclaimer | 2
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Table of Contents 02 | 04 | Disclaimer Management Highlights 05 Key Highlights Financial Performance December 2023 06 3 Priority Strategies 07 Universal Financial Products and Services 08 Newest Product Launches 09 Innovation to Serve Customers Better 10 Modernization in the Banking Experience for All Generations M1 Sustainable Finance 121 Recent Global & Domestic Economic Development 13 Global Risks on Economy & Financial Market 15 Global Economic Outlook 16 Indonesia's Economy Snapshot 17 Indonesia's Inflation Rate 18 Indonesia's Supply-Side Inflation 19 Indonesia's GDP Growth 20 Indonesia's GDP Growth Heatmap 21 Domestic Economy Performance - Manufacturing GDP Growth 22 Sectoral Economy Projections 23 Foreign Direct Investment 24 Domestic Direct Investment 25 Regional Economic Growth 27 PIER's Economic & Market Forecast PT Bank Permata Tbk 28 | V, PermataBank V Full Year 2023 Financial Performance 29 30 31 32 33 34 35 36 37 38 39 40 Strong Revenue Structure and Sustainable Profit Margin Improvement and More Efficient Business Process Total Assets & Third-Party Funds Keep Growing Loan Growth with Diversified Portfolio Loan Disbursement in All Business Segments Loan Diversification in Various Industrial Sectors Loan Guality Improved with Prudent Provision Well Maintained LAR and LAR Coverage Covid-19 Restructured Loan Continues Declining Third-Party Funds Supported by CASA Growth Maintaining Strong Capital with Liguidity Ratio Well Above Minimum Reguirement Strong Capital to Support Future Growth About Permatabank FY2023 Table of Contents | 3
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N/ Permata Bang P Y Management Highlights SN
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Key Financial Highlights December 2023 PermataRan Y/ Total Loans Total Deposits Total Assets CAR (Rp trillion) (Rp trillion) (Rp trillion) (76) Ak 437 YOY Y 374 Y0Y Ak 09 YOY...... . Ak 451 YOY , , Ananta $ 1 257.4 ' KN 195.6 1883 2554 1 panas 136.3 11422 1 : | 342 1 3875 | Dec-22 ' Dec-23 | Dec-22 ! Dec-23 $ . | Dec-22 | Dec-23 , (2) (22) W 25 bps YOY Ak 5.91 yoy V3.6x yoy MpL Coverage 68.94 paman . 2401 28876 Pamataaa 551X : 51.54 : & 1 E . — Dec-22 |! Dec-23/ Dec-22 Dec-22 —' Dec-23 Dec-22 — | Dec-23) PT Bank Permata Tbk FY2023 Management Highlights | 5
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3 Strategic Priorities PermataBani V PT Bank Permata Tbk FY2023 Management Highlights 6
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Universal Financial Products and Services V, Permata The main service collect funds from publics in the form of current accounis, savings, time deposits and credit distribution to publics in accordance with commercial banks business activities, available in both Conventional and Sharia services Consumer & SME / Banking N Innovative Deposit Products and Services CASA, Time Deposit, Payroll Account, Hajj Saving Account, Multipurpose Planned Saving Account Lending and Financing Credit Card, Personal Loan, Mortgage, Indirect Consumer Financing, SME Loan Wealth Management Mutual Fund Products Managed by Leading Asset Management Company One Stop e-Banking Services PermataOne e-Statement, PermataMobileX, PermataNet, Permata@R, Payment Point, Permata e- Bond, Permata e-Mutual Fund GO & Ia Personalized Services Personal, Preferred, Priority and Private (@ Banking Services LL PT Bank Permata Tbk 9 3 3 2 @ Services CASA, Time Deposit, Collection, Cash Pick-up & Delivery Business Expansion Loans Term Loan, Revolving Loan, Fixed Loan, Syndication Loan, Working Capital Loan, Investment Loan Corporate & Commercial Banking aA Operational Accounts and Cash Management Eza) End-to-end Trade Finance Products and Services Distributor & Supplier Financing, Bank Guarantee, Letter of Credit, Standby LC Various Treasury Products and Services Spot & Forex, CCS & IRS, Money Markets, Government Debt Securities Domestic and International Services Transfer LLG/RTGS/BI-FAST/International Fund Transfer, Thai Bath Express Transfer (TBET) Value Chain Products and Services Integrated Financial Services and Solutions in Digital Platform ..and other products and services NA obor) IN ee TN Banking Service Excellence 2023 Awards Conventional Diamond Recognition — 20 Consecutive Years In Service Excellence The 1st Best, Convenient Branch Service In Priority The 2nd Best, Customer Service The 1st Best, ATM Sharia Unit Business @ Platinum Recognition — 13 Consecutive Years In Service Excellence @ The 1st Best, Convenient Branch Experience @ The 1st Best, Customer Service N Ist Best, Walk In Channel FY2023 Management Highlights | 7
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Newest Product Launches PermataPoin A point reward program from PermataBank that can be collected through various transactions on PermataMobile X and can be 3 : AN aa PermataKKB Program offered to PermataBank customers for various choices of vehicle types and brands through PermataKKB". V, Permata N9 Private Banking Permata Private Banking differentiates the offering for UHNW (AUM threshold with minimum Rp10 billion) by providing value not only for personal financial solution, but also family wealth used for AR Paymenis. inheritance and business needs. Centralized in 3 centers (Jakarta, Surabaya and Medan), Permata private bankers will serve and offer dedicated advisory supports and complete product ranges with exclusive privileges. Easy to Earn Just by doing any Top-up or Bill Payment transaction with any amount, you can instantly get PermataPoin No Limit on Transaction Freguency The more you transact, the more PermataPoin you can get Pay with Your PermataPoin PermataPoin can be used for AR Pay transaction on PermataMobile X “) Powered by PT Mandiri Utama Finance FY2023 Management Highlights | 8 PT Bank Permata Tbk
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Innovation to Serve Customers Better PermataMobile X Mobile electronic banking services that offer Customers access to various products and features of the bank's transactions The internet-based electronic banking services to fulfillthe needs of online business transactions PT Bank Permata Tbk Permata@R-Merchan 3 Customer's business solution in making direct payments via mobile phone Permatae-Value Chain PP | The web-based banking solutions to make the transaction easier and faster between Suppliers and Buyers PermataNet The latest internet banking service innovations for an easy and personalized banking transaction experience through website PermataEDC Business solutions for making payments using credit cards, debit cards, and mobile phone V Permata PermataAPI The system that integrates Customer's platform to be directly connected with PermataBank for various banking activities PermataATM ATM with complete facilities for banking transactions whenever needed FY2023 Management Highlights 9
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Modernization in the Banking Experience for All Generations Permatabani Aueuing by Amatic System @ueue Notification via WA PermataBank is committed consistently accelerating digital transformation through various innovations to provide the best service to customers Waximize Spacious Banking Hall PermataBank Branch Network is aimed to provide the best experience to customers both offline (with the staff's assistance) or online (self-service) Customer Centric Relationship Manager PT Bank Permata Tbk FY2023 Management Highlights | 10
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Sustainable Finance V, PermataBank NY Commitment towards sustainability in its business process reflected through strategic planning and framework in supporting long-term sustainable economic activities and projects. Governance Sustainability Committee ensure sustainability principles are incorporated in the strategic decision-making process and to promote sustainable business practices. Sustainable Finance Programs Sustainable Financing / Placement Sustainable Banking Products / Solutions Risk Management related to Climate Change Net Zero Emission for Banking Operations Sustainability Learning Series Diversity, Eguity, Inclusion & Belonging (DEIB) Sustainable Procurement Green and Social Impacts for Society FY2023 Management Highlights | 11
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NA Recent Global & Domestic N 1 Economic Development YA |
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Global Risks on Economy & Financial Market «» PermataBani | pam | 4 Fin “, 5, TKB H: . “Slower-for-longer in China impacting “Higher-for-longer risks reemerging, Geopolitical conflicts spreading and Indonesia's external balance limiting room for rate cuts intensifying, causing persistent uncertainty and stubborn inflation PT Bank Permata Tbk FY2023 Recent Global and Domestic Economic Development | 13
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Global Risks on Economy & Financial Market » PermataBani 2024 Election triggering “wait-and-see' actions in investment activities El Nino causing food inflation to keep increasing Current Account Deficit widening amid flagging global demand and higher oil price PT Bank Permata Tbk FY2023 Recent Global and Domestic Economic Development | 14
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Global Economic Outlook Permatabani Indonesia's economic resilience is expected to continue into 2024 GDP growth, & Countries 2019 2020 2021 2022 uro Zone ndonesia Source: IMF, Jan-24 World Economic Outlook: World Bank, Jan-24 Global Economic Prospect, Update: ADB, Sep-23 Asian Development Outlook: & OECD, Sep-23 Economic Outlook PT Bank Permata Tbk FY2023 Recent Global and Domestic Economic Development | 15
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Indonesia's Economy Snapshot permataBan U The economy continues to be resilient against the background of increasing global uncertainty. (ON FY22: 5.319 D AI C ——i 1023: 5.044 YoY (€) Uu 2023: 5.174 YoY “2.614 (YoY) x — 3023: 49446 YOY 6.005 (#50bps YTD) 4023: 5.044 YoY Headline Inflation HAK FY23: 5.0596 HA 1196 (To) BI 7-Days RR USD/IDR (FY23) (Dec'23) FY24 Forecast 5.096 - 5.1Y6 “ 2024 Forecast : (3.0 2) Rp15,397/USD (00 , N Current Account Balance LN LN FY21: 0.2976 of GDP Trade Surplus/Deficit . . :1.0096 of GDP i FY22: $54.46 billion aa Foreign Reserves FY23: $36.93 billion 1 0.554 of GDP A4 billion :-0.25X of GDP #USD 9.2 billion (FY23) NA Source: Bank Indonesia, Statistics Indonesia, & Bloomberg
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Indonesia's Inflation Rate permataBan V Inflation was tamed in 2023, managed to stay within Bank Indonesia's target range. However, food inflation remained stubborn in the beginning of 2024 amid the ongoing impact of El Nino. Both headline and core inflation in Jan-24 was within the new target range of 1.5 - 35K. 2022-100 2018-100 20 10 26 YoY 2020 | 2021 | 2022 | 1023 | 2023| 3023| 4023 | Jan-24 kera Weight Weight 1 "ss Headline -rhs ms Core -Ihs ms Administered -Ihs — mVolatile -Ihs alfeadiine Infiation 100.00 100.00 biCore inflation 65.06 v 65.45 5 10 clAdministered price 1917 PN 18.09 - -Energy price hand dlVolatile price 1577 | W | 1646 fo) - - Food ingredients price -5 || 1 1 || | | 1 1 1 1 1 || || 1 1 1 1|Food, Beverage and Tobacco 28.00 25.01 TLerELKENKNEE ERA REA S ai RERERRANR 353 BE papah 3 oo TaG6 - EN PEEKEP KO LLA 3lHousing, Water, Electricity, 16.42 20.45 land Other Fuel v 4Household Eguipment, 5.43 5.97 lEguipment and Routine v IMaintenance — 5|Health 3.02 EN 262 2 6|Transportation 11.94 I4 12.38 ps 7lInformation, Communication, 6.27 5.83 land Financial Service da 8|Recreation, Sports, and 1.81 v 215 p (Culture g 9/Education 5.73 5.62 CPI Inflation - Ihs ——WPI Inflation - Ihs 2 2 . . 1OlFood and Beverage 10.04 8.67 ——M2 growth -rhs PPI inflation - Ihs IProvision/Restaurant da 1MIPersonal Care and Other 614 A 5.89 Services PT Bank Permata Tbk Source: Statistics Indonesia FY2023 Recent Global and Domestic Economic Development | 17
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Indonesia's Supply-Side Inflation permataBan V Albeit the risk of inflation passthrough seems to be low, supply-side inflation of agriculture sector and manufactured food sector remains a threat that needs to be anticipated in 1024, regarding its impact on headline inflation and economic growth. &Yoy. PPI |Agriculture Food Crops Horticulture 25 Plantation Livestock Fishery Mining and Guarrying Mining |Ouarrying Manufacturing Procesing & Preservation of Meat, Fish, Fruits, Vegerabies, Oi Milk & Dairy Foods Rice Milling, Flour, Animal Feed |otner Foods Drinks & Cigorette |Texrile Spinning & weaving 'Appareis & Footwear (Sawn & Processed Timber Paper, Paper Producis, Printing Fertiizer Basic Chemical, Chemical, and Chemicol Goods Petroleum Refining & Gas Rubber, Plastics, and Its Producis Non Metalic Mineral Products Basic Metal Metal Goods Machinery, Electrical, Electronics, and Eguipments. ITransportation Eguipments (Home Furnishing and Cther Goods lectricity & Gas Procurement 20 IK YOY ——wPI 40 —-Agriculture —Mining and Guarrying Manufacturing Electricity 15 — Export IGas Supply Water Supply. import Passenger Transportation Railway -20 Land Sea River, Lake and Ferry. Air IRecommcdation, Food & Beverages jAccommodation Food & Beverages. Education Service Health Service PT Bank Permata Tbk Source: Statistics Indonesia pa Jul-22 Jan-21 Mar-21 May-21 Jul-21 Sep-21 Nov-21 Jan-22 Mar-22 May-22 Jul-23 Sep-22 Nov-22 Jan-23 Mar-23 May-23 Sep-23 Nov-23 Jan-24 FY2023 Recent Global and Domestic Economic Development | 18
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Indonesia's GDP Growth permataBan V Source of growth shifted from the external side (net export performance) to the domestic side in 2023, led by household consumption and Gross Fixed Capital Formation/GFCF (fixed investment). Solid domestic demand is driven by tamed inflation, improving public mobility, resumption of National Strategic Projects (infrastructures, downstreaming, and New Capital City), and effective policies balancing stability and growth. Na 16.22 6:17 &.03 | 8 L 1 5.66 5.075.A7 6! Pe .014.885203 5.0 H | 3. 6 ' 1 1 1 4i 1 4 ' 1 i H i H 21 1 2 ' 1 8 | | Ri | 0 Oi 1 i 1 ' 1 High i 1 Price period : -2 ' - 1 — -2 i i i & m Household Spending | Hi ! 4 - mM Government Spending 1 IE commodi i ! High Commodity ke mGFCF Ai ommo 1 Boom mmm Annual GDP 1 Price priod 6 M Net Exports 1 1 ' 1 Others | | —-Full-year GDP | ! CDP 6 Lo oooo———i La | -8 0s sSLsA0sIrIEIvOrKP OK OOT NM 0 0 0 90 cc 00 y TT yA Aa Aa AD NO SOSOK SBSBLLA GAN A SL sstraAJA AAU AA ANN AA AAK AAA LOLIISOGIIIILOOL IA, 998LOLGOONOLO YLKI YAG PT Bank Permata Tbk Source: Statistics Indonesia FY2023 Recent Global and Domestic Economic Development | 19
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Indonesia's GDP Growth Heatmap Household consumption and GFCF (fixed investment) recorded relatively solid growth in 2023, thanks to increasing public mobility and improvement in buildings & structure investment. Yet, El Nino impact and normalization in mobility trend limited growth in 2023. Nevertheless, mobility related sectors managed to keep recording double-digit growth. V, PermataBank NY Ye Yoy 2016 | 2017 | 2018 | 2019 | 2020| 2021 | 2022 | a23 | 2023| 323 | aza) 2022 (Sharon (GDP 5.03 | 507 fsa7| 5.02 Mor 3.70 MSSMI 504 | 5171| 494 | 504 | 5.05 | 100.00 Household 501 | aga | 505 | 5041| -263| 201 | a92 | 453 | 522 | 505 | 447 | as2 | sae Consumption Food&Beverages 1534 | 524 | 522 | ste | ost | 146 | 346 | 342 | 380 401 | 256 | sae | 274 Apparel& Footwear | 336 | 337 | 430 | 427 (a21 -007| a31 | 378 (izo01l a50 | 349 | aa7 | 172 Eguipments ass |an9 |aca | ase| 228 | 219 | 2701277 | 378 | 377 | ass | ago | 659 HealthBEducation | 547 (546 | 500 Feeo'l 309 | 1701 241| 258 | ss1| 423 | 2ce| 399 | 32 Transportation & 523 | 530 | 547 | 478 2.59 724 | 50 | 1.82 Communication Restaurant & Hotel — | 544 | 540 | 563 | 506 as7 |es7 | ses | 675 | as2 | es less | 528 Others 242 12301 238 | 309 |-oe5| 183 | 270 | 269 | 372 216 |2901 24 NPISH «ca | 693 | 915 | 1062 162 | 566 | &16 983 | 125 Government Spending |-014| 212 (4.82 | 327 | 212 | 425 MATI 3.37 2811295 | 7.45 Gross Fixed Capital aa7 | 615 | oea | Aas 380 | 387 | 21 | 463 | 5771 50214401 2033 Buildings & Structures | 518 | 624 | 541 | 537 232 | oi loos| 332 | a31 | c42| 01 | 2165 Machine & Eguipment |-6:69 | 9.52 4.76 11.66 4.62 | 7.67 | -101| 200 | 3.08 331 Vehicles 1203| &s6 | 824 | -412 11.69 | 10.27 1550121271 320 (1567| 169 OtherEguipments — (12921 925 | asa | 314 a26 |-o2s|-5261-520|-564| os |-ssa| omi Cultivated Biological . Cultivated, a79 | 1001272 | 505 116 | 212 | 334 | se2| 205 |-40| 205 | 155 Intellectual Property aga Intelectu 769 |-se3| 135 as9 | s21 Isos | a28 | 774 | 4080| esa | 072 Expori of Goodsand | 1 cg | 8.90 | &s1 |-oa8|-842| 19 1623| 17 | -201|-291| 164 | 132 | 2135 Goods 246 | 920 | 641 |-057| sae ios | a32 | a25 | -5s0|-608| 0401 412 | 1932 Non-Oil & Gas -205 110.50 844 | 135 27 |-oss| a92 | 1808 Oil & Gas -492 | 192 | 707 Jasa0 s3 |i2sel sa7 | 126 Services 530 1573 | 740 | 029 ss74| 791 laset| 241 Imports of Goods and |» 44 | 8.07 |apaa | 713 -675|-0151-4.65 | 19.57 Services Goods 2237 | 873 |isos| -as1 -810|-033 | -saa| a5s1 Non-Oil & Gas 272 | osa (16931 -627 -73| 495 |-as0| 1325 Oil & Gas -099 | 562 | -244 (1807 4a7|as2| 260 | 256 Services -261 | 4.08 | 6.39 | 073 263 | no9 Ime2| 376 , Share in 4 Yoy 2019 202020211 202211023 2023 023 tan) (GDP 5:05| 100.00 Agriculture, Forestry and 1301 1253 Fisheries Mining & Auarrying 612| 1052 Manufacturing Industry 1464| 18.67 Electricity & Gas Supply £ a91) 104 Water Supply, Sewerage, Wasit 459 490| 006 & Recycling Management Construction 5.22 a91| 992 Wholesales and Retail Trade, | 4.03 | 4. 485 | 1294 Repair of Motor Vehicles and Motoroycles Transportation & Storage 1396| 589 Accommodation & Food 1001| 252 Beverages Activity Information & Communication 7159| 423 Financial & Insurance Activity a77 | a16 Real Estate 1438| 242 PT Bank Permata Tbk Business Services 5 . 1.83 Public Administration, Defense 0.03 |-0.33| 2.51 2.95 & Compulsory Social Security Education Services 81 | 0: . 2.79 Human Health & Social Work 8.66 121 Activity Other Services 801 | 8.73 194 FY2023 Recent Global and Domestic Economic Development | 20 Source: Statistics Indonesia
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Domestic Economy Performance — Manufacturing GDP Growth Manufacturing | Ic. Manufacturing ustry Growth by Su Guarterly Growth (26 YoY) 2021 3021 4021 1022 2022 3022 4022 1023 Annual Growth (?e)| 4023 2021 2022 2023 1. Manufacture of Coal and Refined Petroleum Products 19 lon-Oil and Gas Manufacturing 16.8 1. Manufacture of Food Products and Beverages 6.5 2. Manufacture of Tobacco Products 07 3. Manufacture of Textiles: and Wearing Apparel 10 4. Manufacture of Leather and Related Products, and Footware 0.2 5. Manufacture of Wood and Products of Wood and Cork, Articles of Straw and Plaiting 0.4 Materials . 6. Manufacture of Paper and Paper products: Printing and Reproduction of Recorded 07 Media 7. Manufacture of Chemicals and Pharmaceuticals, and Botanical Products 18 8. Manufacture of Rubber, Rubber Products and Plastic Products 0.4 9. Manufacture of Other Non-Metallic Mineral Products 0.5 10.Manufacture of Basic Metals 0.9 TI.Manufacture of Fabricated Metal Products, Computer, Optical Products and Electronic 16 Devices 12.Manufacture of Machinery and Eguipment 03 -0.02 13.Manufacture of Transport Eguipment 15 14.Manufacture of Furniture 0.2 -3.85 -8.03 -8.38 -2.69 2.59 15.Other Manufacturing, Repair and Installation of Machinery and Eguipment 01 407 -297 3 Biggest Sectors (X 3 Food and 99 Y) | (1 Beverages rd ANK Chemicals and Pharmaceuticals 0.854 Source: Statistics Indonesia Electronic Products M1296 V PermataBar PA Highest Growth in FY23 (2 YoY) Basic Metals 141796 Electronic Products 13.674 Lowest Growth in FY23 (2 YoY) aan, mg Sr Tud ea Rubber & Plastic -3.6396 Furniture -2.04K6
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V, Permata Sectoral Economy Projections We expect the growth of sectors that rely on the domestic market to perform better than sectors that are linked to the export market, as the uncertainty in the global market persists. Sectoral Outlook 2024 96L£”L MN K9 OL MEMKKKKKKNNN SODIAOS JOYIO Ol” 6 MAN 26019 MAN, Apinyo" JO, KAA — 1 Oo an AN ang SovLT MM x19v Wu X9L1 ME SODINIIS UODINPI 4650 I Oebtn MMI Alunoas jojoog X0SL ME Asosindwog g asuayag 469 ME “voyouysIulupY PIfgng OLL MN “svC8 MMMKKKN SOOIMOS ssauisng 96.1 8 MN 26596 MN EPL MI O10ISI (oOY AAN | PA —— Aunyoy GLL GMN 2426) MM POWDANSUI 3 IOIOUDU!J TO l— UONDOIUNWIWO) oepLL — 8 UOIDWJOJU| 6819 MERI — Anyow seBpuanas kom” — po AN Pop oU uan 2616 LI MN " 29 L WAN 4961 MEN 25010158 Uo!joHodsubi|. 2018”64 MN 019 MMMIN SOJOADJ0JOW PUD SaJOIYAA X98 7 J0jOW jo aoday “epbi| 9599 MEME ojo PUD SEJPSOJOUM 4695 INN 9616” MEME UO!JONJISUOD KANAN | 4x19 NN Jusws6bUp 2064 MEME DuljoAday 8 aIsDM KEC € MM Gp1amas “Ajddns 4oyoMm 409'5 NANAH 2616 MEME Aiddng sD9 8 Alouyoo1g 26199 MAAN x06v IN “xv9tv MEME AJisnpuj SuunjooynudN 68 MAN CE IN 4019 MEME Suruong g Bulu 482 MAAN 4091 M sanausI4 x0£1 MH . 252” MI pup Aajsa104 “e1nyinduby m2022 M2023 M2024F 22 FY2023 Recent Global and Domestic Economic Development Source: PIER PT Bank Permata Tbk
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Foreign Direct Investment V, Permata Foreign Direct Investment (FDI) grew solidly by 10.296yoy in FY23. The Base Metal sector continued to receive the largest share of FDI. FDI by Sector (USD million) (Foreign Direct Investment (USD Million) (Total FDI £ A00 40: rowth 2023 Growth: Primary Sector (Jo — a67 Te — asah Food Crops. Plantations. and Livestock Eorestry Fishery Mining Secondary Sector Food Industry: Textile Industri Leather Goods & Footwear Indush Wood Industn Paper & Printing Industry Rubber & Plastic Industry Chemical & Pharmaceutical Industn Non Metalic Mineral Industry Motor Vehicles & Other Transport Eguipment Industry Basic Metal Industry, Metal Goods, Non-Machinery and Its Eguipment. Machinery Industry, Electronic. Medical Instrument. Precision. Optical and Wato! Other Industn Tertiary Sector Eleotricity. Gas & Water Suppl Construction Trade & Repair Hotel & Restaurant Transport, Storage & Communication Real Estate Ind. Estate & Business Acrivifies Other Services FDI Performance Fy23 Basic Metal daanspor and Petrochemical Top 3 Value (FY23) USD 11.8 3 HA hp en jon USD 4.8 billion, USD 50.3 billion, billion, ASEAN 46.796 YoY 10.296 YoY 47.59 YoY te to PT Bank Permata Tbk Source: Ministry of Investment FY2023 Recent Global and Domestic Economic Development | 23
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Domestic Direct Investment Domestic Direct Investment growth remain robust, accelerated by 22.196 YoY in FY23. Mining, Real Estate, and Telco recorded the largest investment. DDI by Sector (Rp billion) V, Permata r Total DDI 108,017 106,25: 113,456 135189 139,017 139,617 17814 Primary Sector 14,79. 13,304 17,764 31125 261: 29,239 34,997 40,30? 39,365 40,479 Food Crops, Plantations, and Livestock. 9,891 10,07: 9.18: 10,687 12,07. 10,997 0.15: Forestry 2528 3,79 3.845 8166| 5136| 5.88: Fishen 14 309 62 52! 96 39: Mining 18,386 15.95! 19.839 19.536| 22.264 25.052 'Secondary Sector 25,576 38,699 35,906 A79 16,48! 18,08? Food Industry. 16,97: 11,268 15,45! 14.539 13.57. Textile Industn 1606| 2.947 1,702 1854| 1448 Leather Goods & Footwear Indust, 204 344 587 247 461 Wood Industn 821 1,415 734 1,331 1127 Paper & Printing Industry: 1777 1759 2.29. 2.600 2.64: Rubber & Plastic Industry. 2.361 1,93 2.624 1901 279 Chemical & Pharmaceutical Industry KAL: 6.776 6.837 8.981 1.267 Non Metalic Mineral Industry 1,46! 1,86 2.59: 179. 1,51! Motor Vehicles & Other Transport Eguipment Industry 1d 1,46 1,301 784 2.620 Basic Metal Industry. Metal Goods, Non Machinery and Its Eguipment 3.58: 3.685 5.048| 8.790 8,36: Machinery Industry, Electronic, Medical Instrument, Precision, Optical and Watch 16$ 1.106 932 1,551 67: Other Industry 68! 1,331 1,06 219 1,59: Tertiary Sector 71,679 81,051 81,966 92,28! 92,82! Electricity, Gas & Water Supphh 7.16. 7,22” 13.691 6,53 10134 Construction 12,357 17: 6,92: 9,001 ON Trade & Repair 4.881 6.091) 5,40: 6.051) 6.841 10,646 8.591) 497: 9.951 1.572 16,204 10,831 Hotel & Restaurant 5.734 3.170 3.851 5.06£ 5.006 7,23, 3.876 5,47 5,186 5.83 5,80 6,545 Transport, Storage & Communication 13.299f 14 a7g 17.549 15.915 26.967 12.939 20189 15.066 KANE 14,292) 24817 19.40 Real Estate, Ind. Estate & Business Activities 21,611 20,5: 20.628 22.724 17.467 12.42 17.894 18,379 19,469 18,400 16.647 22,58 Other Services 3.685 3,73 13.387 3.49! 7.006 12.064 10,748 8.275 13.300 1.25 13.271 14,21: DDI Performance .. FY23 Mining Real Estate Transport and Top 3 Value (FY23) Rp36 irilion,— | Mo, Rp771 trillion, Commytileatori Rp674.9 trillion, 438.796 YoY 416.596 YoY Aa trillion, 422196 YoY 12:050)YoY PT Bank Permata Tbk Source: Ministry of Investment FY2023 Recent Global and Domestic Economic Development | 24
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Regional Economic Growth m» PermataBani NP Java's economy remains the biggest contributor to Indonesia's economy. New capital city of Indonesia and downstream in basic metal development aims to drive contribution of Outside Java Sulawesi aa sg sumaterdgi Lg T Kalimantan ud $ “Maluku & -& “tapu k « . z z @ Share to National GDP in IE 2023omic growth in 10423 (4 YoY) ” #aix IM Economic growth in 2023 (?e YoY) “ IE Economic growth in 323 (6 YoY) IE Economic growth in 4023 (4 YoY) Bali & Nusa Tenggara PT Bank Permata Tbk Source: Statistics Indonesia FY2023 Recent Global and Domestic Economic Development | 25
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Regional Economic Growth » Sulawesi and Maluku-Papua Regions Grew Faster than Other Regions in Indonesia. V, Permata 2023 Province pLoyal 2022 Province 2019 2020 2021 2022 2023 Ma 2 eest Kalimantan 46 | 40 | a43 | 49 54 1.8 48 54 45 Aceh ja - E sa sa La 2 2 - K entrat Kalimantan 32 | 30 37 | es | 61 44 36 6.5 AA INorth Sumatera " . " : : mi : - : (South Kalimantan sa | 50 | a46 | a7 | aa 18 35 54 48 st Sumatera 48 | sa Das | as | 50 1.6 33 AA A6 tast Kalimantan oles | 53 | 581 27 9 26 45 62 Riau 39 | 49 | 40 | 40 | 28 Ad 34 | 46 42 North Kalimantan 53 | s1 | a8 | 46 | 69 A4 40 53 49 ambi 49 | 49 | 48 | 40 | 43 :0.5 37 54 A7 (kalimantan 58 | 56 | as | 55 | 50 23 3.2 19 5.4 ISouth Sumatera 51 | 52 | Sa | 49 | 57 24 3.6 5.2 51 INorth Sulawesi 53 | 63 | 54 | 50 5.6 1.0 42 5.4 5.5 Bengkulu 41142 | 40 | 48 | 49 00 3.3 43 43 central Sulawesi 132 | m9 | 131 | 97 38 49 17 15.2 1.9 Lampung a9 |ao| 39 | sa | 53 47 28 43 45 Isouth Sulawesi 53 | 50 | 40 | 38 | 69 -07 46 54 45 bangka Belitung aa | sa |ao | a0 | 33 23 54 24 24 Isoutheast Sulawesi 65 |a9 | a9 | 52 | 65 -0.6 Eni 55 54 kepulauan Riau 65 | 50 | 49 | 44 | 48 38 34 54 5.2 (Gorontalo 42 | 42 | 46 | 49 64 0.0 24 40 45 Isumatera aslao|las | as | a60 | 42 | 32 | a7 | az st Sulawesi sa | 61 | 69 | 44 | 56 | 23 | 26 | 23 | S3 ISulawesi 70 | 66 | 64 | 55 | 7.0 0.2 57 74 6.4 2023 Maluku 58 | s8 | as | as | 54 -0.9 36 53 5.2 Province 2019 2020 2021 2022 2023 TT Iorth Maluku mol a20 | 251 | iso | 62 5.4 168 | 229 | 205 AT Tg Tan | 88 Pa 86 28 20 est Papua 31 | 20 37 | s9 | 27 08 | -05 2.0 3.9 (DKI Jakarta - 23 z5 Pr -0 — 57 Fa z9 Papua 24/38 | 83 | 108 | 157 24 15.2 9.0 5.2 est Java : : 1 - : : - : : IMaluku-Papua 21 | 62 | 91 | 101 | 74 15 102 | 87 6.9 (Central Java 50 | 52 | 49 | 47 | S4 2 33 53 50 ati si | 56 | sa | s9 | 56 -93 25 48 57 Pi Yogyakarta, 5352| SO | 49 | 66 | 27 | 56 | Si Sa est Nusa Tenggara 36 pas| 16 | 37 | 39 | 00 | 23 70 18 East Java 50 | 58 | 49 | 47 | 55 (kas 3.6 53 49 Fast Nusa Tenggara 37 |a2 | 20 | an 5.2 -08 25 31 35 Banten AT | 48 | SO | 49 | 53 | Sa | A45 | S0 | 48 IBalinusra a7 | 30| sa | as | so | 50 | oa 54 4.0 kava LO M2 PA DA PA 2 2 DNA B2. EAST REGION 56 157 | 57 |eo| a0| “as | aa | 61 57 PT Bank Permata Tbk Source: Statistics Indonesia FY2023 Recent Global and Domestic Economic Development | 26
Page 27 OCR 0.750
PIER's Economic & Market Forecast National Account Real GDP (96 YoY) Real Consumption: Private (96 YoY) IReal Consumption: Government (4 YoY) Real Gross Fixed Capital Formation (9s YoY) Real Export (6 YoY) Real Import (96 YoY) Nominal GDP (IDR tn) - nominal INominal GDP (USD bn) - nominal Inflation & Unemployment Headline Inflation Rate (2022-100, 96 YoY, lavg) Headline Inflation Rate (2022-100, 96 YoY, (eop) Unemployment Rate (Xx) Fiscal Condition Fiscal Balance (X of GDP) IDR 10-year Bond Yield (96) External Sector Trade Balance (USD bn) (Goods Balance (USD bn) (Current Account (USD bn) (Current Account (X of GDP) Foreign Reserves (USD bn) USD/IDR (avg) USD/IDR (eop) 2019 5.02) 5.04 3.27 4.45 -0.48| 713 15,833 1119 2.82 2.59 518 -2.20| 7.06 -3.59 3.51 -30.28| 271 129.18) 14141 13,866| 2020 -2.07| -2.63 212 -4.96| -8.42 17.60) 15,443 1,060) 2.04| 1.68 7.07 -614 5.89 21.62| 28.30 LAI -0.42) 135.90) 14,529 14,050) pkoyal 3.70) 2.021 4.24| 3.80) 17.95 24.87 16,977 1,186 1.56 1.871 6.49 “4.571 6.38 35.42 43.81 3.51 0.30| 144.91 14,297 14,253 2022 5.31 4.93 -4.51 3.87| 16.28 14.75) 19,588 1,319 414| 5.4 5.86) “2.35 6.94 54.46) 62.67| 12.87| 0.98 137.23 14,874 15,568) 2023 5.05) 4.82 2.95 4.40 1.32 1.65 20,892 1,371 3.73 2.81 5.32 1.65 6.48 36.93 45.087 -2.0T) “014 146.38) 15,248 15,397 2024F 5.07 514 4.93 4.78 -0.29 0.57 22,601 1,474 3.07| 3.08 5.28 -214| 6.26) 25.63 33.68 10.38 -0.70| 15218 15,336) 15,093) PT Bank Permata Tbk “Tentative Flgures V, Permata Source: PIER 2019 2020 2021 2022 2023 2024F I(Commodity Price (Coal Price (USD/MT) 66.2 83.0| 169.7 379.2 141.8 117.51 (CPO Price (USD/MT) 763.7) 1,016.4| 1,270.3 — 940.4| 797.8) 829.61 (Oil Price (USD/BBL) 65.85) 49.87 74.31 80.90| 79 80.3) Interest Rate Fed Funds Rate (2) 175 0.25) 0.25) 4.50| 5.50) 4.75 IBI Rate (26) 5.00 3.75 3.50) 5.50) 6.001 5.50) Average Lending Rate (2) 10.52 9.67 9A6| 9A6| 9.27 945 IBanking Sector Loan (26 YoY) 6.08 -2.40 5.24| 11.35) 10.38 10.79 ITPF (2 YoY) 6.54| NAN 12.21 9.01 3.73 10.57 LDR (26) 94.8 83.2 778 79.7| 838 84.0) Real Sector (Car Sales (Unit) 1,030,126| 532,027| 887,20211,048,040| 1,005,802 1,047,630) (Car Sales (26 YoY) 10.51 -48.4 66.8) 184 -4.0| 42 IMotorcycles Sales (Unit) 16,487,460) 3,660,616) 5,057,516| 5,221,470 6,236,992 6,278,505) IMotorcycles Sales (2 YoY) 1.6 -43.6| 38.2) 3.2 19.4) 0.7| FY2023 Receni Global and Domestic Economic Development | 27
Page 28 OCR 0.617
N/ Permata Bang P Full Year 2023 Financial Performance —-
Page 29 OCR 0.675
Strong Revenue Structure and Sustainable Profit permataBan V Total Revenue Profit After Tax — PAT (Rp trillion) (Rp trillion) AK 9.376 YOv A 28.47 YO 12.0 | 9 26 | "11.0 i Aa ! h Total Revenue os ! | 19 Non-Interest : 07 OT 04 ' : (Income 02 NM KI : 1 1 — T : i | 844 YOY 4022 1023 2023 3023 4023 "2022 2023, Pre-Provision Operating Profit Net Interest (Rp trillion) | Income AM 18.64 yoy 29 31 30 30 30: 1 9.64 YOY pannnnnnnn . ' i 5.9 : H 11 1.6 1.5 1.6 1.3 4022 1023 2023 30423 4423, 2022 2023 : oo ag 4022 1023 20223 3023 40423 12022 2023 1 , 4 PT Bank Permata Tbk Source : Published report, numbersare calculated using Bank Only Statements FY2023 Financial Results | 29
Page 30 OCR 0.763
Margin Improvement and More Efficient Business Process Net Interest Margin — NIM (22) AA 14bpsyoy — 5 V, Permata Dec-22 Mar-23 Jun-23 Sep-23 Dec-23, Loan to Deposit Ratio - LDR (26) A 596y0oy TT » Dec-22 Mar-23 Jun-23 Sep-23 PT Bank Permata Tbk Source : Published report, ratios are calculated using Bank Only Statements Return On Assets - ROA (26) Ak 23 bps yoy (3 , Pa 1895 1599 156 | 139 | Dec-22 Mar-23 Jun-23 Sep-23 1 Dec-23 Cost to Income Ratio — CIR (26) Y 36ov Ta , 55496 50.275 49955 49214 SP | Dec-22 Mar-23 Jun-23 Sep-23 'Dec-23 y FY2023 Financial Results | 30
Page 31 OCR 0.707
Total Assets & Third-Party Funds Keep Growing PermataBani Total Assets Total Deposits (Rp trillion) “ trillion) Ak 0.94 yoy 3.726 Y0v 2554 | IT Dec-22 Mar-23 Jun-23 Sep-23 1956 190.4 185.5 Total Deposits | 8.64 yoy CASA x 1 ' 1 1 1 1 1 | 1 1 1 , 1 1 1 1 1 1 1 1 1 — T 34K YOY Time Deposits Dec-22 Mar-23 Jun-23 Sep-23 | oeo- 23 PT Bank Permata Tbk Source : Published report, ratios are calculated using Bank Only Statements FY2023 Financial Results | 31
Page 32 OCR 0.792
Loan Growth with Diversified Portfolio PermataBani NP Total Loans an & Financing Compo: (Rp trillion) sof 31 Dec 2023 Ak 4.376 YOY Commercial, 15.245 Sharia, IYAKA me Total Loans Corporate & c fional 136.3 1301 137.4 138.9 Commercial aa og 0.8 o8 . Others ? 3.624 yoy 874” 36 884 891 me Corporate & Commercial ?T 6A1xyov SME, 23.84 —— Consumer & SME ? 1.04 yoy Credit Card, 4.01 Personal Loan, 5.04 Consumer & SME Dec-22 Mar-23 Jun-23 Sep-23 PT Bank Permata Tbk Source : Published report, ratios are calculated using Bank Only Statements FY2023 Financial Results | 32
Page 33 OCR 0.896
Loan Disbursement in All Business Segments PermataBan Consumer & SME Loan Corporate & Commercial Loan (Rp trillion) (Rp trillion) Mortgage as the main driver of Consumer & SME loan growth, focus on Continue to deepen the potential of ecosystem partnerships and primary market and strengthen partnership with main developers. develop the best solutions to meet customers' financing needs 81.6 481 147.6 18.2 49.0 48.6 Jun-23 Sep-23 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 mCreditCard — MPersonalLoan — mJointFinancing — MMortgage mTermLoans mRevolving Loans m Trade Loans and Dealer Financing Others PT Bank Permata Tbk Note: Consumer & SME (Retail Banking). Corporate & Commercial (Wholesale Banking) FY2023 Financial Results | 33
Page 34 OCR 0.861
Loan Diversification in Various Industrial Sectors Permatabani Loan Based on Industry Sector Dec-22 | Mar-23 | Jun-23 | Sep-23 | Dec-23 | Growth YoY Dec-23 (Rp trillion) (26) Comp (?c) Personal Loan for Housing and Automotive 37.3 36.7 37.5 37.9 37.9 1.64 26.745 Manufacturing 26.9 23.3 261 26.8 24.8 TEA 17.496 Wholesale & Retail Trading 16.4 16.3 16.0 15.4 15.7 43K KN ROYA Other Services " 17.0 14.0 15.9 15.7 18.0 5.94 12.796 Financial Intermediaries 11.3 12.5 12.9 13.7 12.4 9.796 8.746 Construction & Real Estate 12.3 9.5 8.8 91 7.9 “35.846 5.64 Mining 97 9.9 11.2 10.3 14.0 44.3K 9.845 Others "“ 5.4 7.9 9.0 10.0 11.5 13.046 8196 Total 136.3 1304 137.4 138.9 142.2 4.3 10026 “includes transportation, warehousing & communication: accommodation supplies and food & beverages: social services and social culture, entertainment & individual services “includes agriculture, hunting & forestry, electricity, gas & water, fishery, and others un-identified sectors PT Bank Permata Tbk FY2023 Financial Results | 34
Page 35 OCR 0.789
Loan Guality Improved with Prudent Provision Management Gross and Net Non-Performing Loan — NPL W 25 bps YOY (Gross NPL) o 0.496 0.34 0.346 31X 3.26 I g 298” 29K Dec-22 Mar-23 Jun-23 Sep-23 Source : Published report, ratios are calculated using Bank Only Statements “Cost of Credit is provided on net basis, which includes LI Recovery Impact PT Bank Permata Tbk Net NPL Gross NPL 240.346 255.94 272.34 285.746 V, PermataBanik Non-Performing Loan — NPL Coverage Ratio Well Maintained Above -2004 Cost of Credit" Dec-22 Mar-23 Jun-23 1 1 ' 1 1 1 1 ' 1 1 1 1 1 1 1 1 1 1 Sep-23 FY2023 Financial Results | 35
Page 36 OCR 0.700
Well Maintained LAR and LAR Coverage Loan At Risk — LAR (Rp trillion) W16.04 yoy V, PermataBanik Loan At Risk — LAR Coverage Ratio (22) AA 25.4 YOY 4 LAR / Total Loan 86.74 81.61 10.94 11.096 371 KN 73.24 9.61 94K | 68.716 14.8 H i 14.3 131 31 $ Total LAR 42 A1 ' H 124 | ' 3.9 A0! NPL | LA | 1 4.096 yoy “8 aa “ Po Co.2 ! | 1 6.646 yoy “ “ En Col.1 Restructured - . | 39.946 YOY Dec-22 Mar-23 Jun-23 Sep-23 ' Dec-23 1 Dec-22 Mar-23 Jun-23 Sep-23 PT Bank Permata Tbk Source : Published report, ratios are calculated using Bank Only Statements FY2023 Financial Results | 36
Page 37 OCR 0.876
COVID-19 Restructured Loan Continues Declining Restructured Loan due to Covid-19 (Rp trillion) Y 31.726 yoy 544 AA SME 4 Restructured Loan 73 | | 5.6 to Total Loan Consumer Dec-22 Mar-23 PT Bank Permata Tbk Jun-23 Source : Published report, numbers are calculated using Bank Only Statements V, PermataBanik Restructured Loan due to Covid-19 (by Segment) Corporate & Commercial Total Loan Restructured due to COVID-19 As of 31 Dec 2023: Rp5.0 trillion FY2023 Financial Results | 37
Page 38 OCR 0.764
Third Party Funds Supported by CASA Growth permataBan V Corporate & Commercial . " (Rp trillion) Deposit by Business 7 26.9 23.5 19.8 20.3 52.5 148.6 431 43.4 1354 YOY v ! , Corporate & 79.3 i Commercial, 721 | 68.6 ' TD 62.9 637 Da 36.496 ! 1 9, Asof pa — 110.224 vov Consumer & 31 Dec 2023 SME, 63.62 115.24 vov Dec-22 Mar-23 Jun-23 Sep-23 | Deo 23 Consumer & SME : Pn (Rp trillion) Deposit by Composition AA 29X YOY an Conventional, 16.3 18.3 122.6 181 19.7 8614 TD 553 582 61 59.9 | 60.6 1 1 9.61 Yoy Sharia, Asof 31 Dec 2023 TT 13.946 0 601 615 583 — SASA | 3.196 yoy Dec-22 Mar-23 Jun-23 Sep-23 ! Dec-23 , Note: Consumer & SME (Retail Banking). Corporate & Commercial (Wholesale Banking) PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2023 Financial Results | 38
Page 39 OCR 0.636
Maintaining Strong Capital with Liguidity Ratio Well Above Minimum Reguirement PermataBan Liguidity Coverage Ratio — LCR Return On Eguity — ROE (26) (26) Ak 45.276 yoy pAnananan N 119 yoy pAnananan N 35971, 388.24 : 44AI6 . | | 00.51 3 6 335.74 . 6.626 (NA 6.21 ' 5.594 | 54 | a54 —— | 1 1 1 1 1 1 1 1 T 1 ' Dec-22 Mar-23 Jun-23 Sep-23 : Dec-23 Dec-22 Mar-23 Jun-23 Sep-23 . Dec-23 Net Stable Funding Ratio - NSFR CAR, Tier-1 & CET-1 (2) (20) NY 7.396 xov anna , . Pan , gag NA 3904 39K | 38.796 | 0 1 H : —9 h CAR 14554 1OAK 14101 13591 | 138.34 | aa 01 3786 3831 | 37.64 | Oo - O i L O 1 Tier-1 1 25.74 31.646 29.716 2991! 2954 ' Dec-22 Mar-23 Jun-23 Sep-23 | Dec-23 | Dec-22 Mar-23 Jun-23 Sep-23 ' Dec-23 ' PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2023 Financial Results | 39
Page 40 OCR 0.903
Strong Capital to Support Future Growth PermataBan Capital & CET! Total Cash Dividend (Rp trillion) (Rp billion) CET 34.6 35.4 Dec-21 Dec-22 On 21 June 2022 and 6 April 2023, PermataBank held an Annual General Meeting of Shareholders (AGMS) and approved the distribution of cash dividend of Rp 307.5 billion (representing Rp8.5 per share) and Rp542 billion (representing Rp15 per share) to shareholders for the financial year ended 31 December 2021 and 2022. PT Bank Permata Tbk 15.74 yov Total Capital 1? 4.496 Yov Bangkok Bank AA 76.596 vov 9 9 — TA 5427 . As the Controlling Shareholder of 307.5 Bank Permata, Bangkok Bank is committed providing full support for the long-term growth of Bank Permata to become one of the 2021 2022 Largest Commercial Banks in Indonesia PermataBank maintains a balance between stable rate of return and steadiness for shareholders as well as keep optimizing the capital structure needed for growth purposes. Vj PermataBank FY2023 Financial Results | 40
Page 41 OCR 0.290
” ' PermataBank &
Page 42 OCR 0.898
Board of Commissioners Chartsiri Sophonpanich President Commissioner Education “ B.C.E. Worcester Polytechnic Institute, USA “ M.C.E. Worcester Polytechnic Institute, USA “ M.Mgt. Sloan School of Management, Massachusetts Institute of Technology, USA Experience “ Member, Board of Trustees Bangkok University (2009- 2022) “ Member, National Economic Reform Committee (2017- 2020) Niramarn Laisathit Commissioner Education “ B.Eng. in Industrial Engineering Chulalongkorn University, Thailand “ MBA in Finance Saint Louis University, USA Experience “ Senior Executive Vice President in charge of Corporate Banking of Bangkok Bank Public Company Limited (since 2019) “ Executive Vice President, in charge of Corporate Banking, Bangkok Bank Public Company Limited (2016-2019) PT Bank Permata Tbk V, Permata Chong Toh Commissioner Education “ B.A.in Philosophy, Politics & Economics Oxford University “ M.Sc. in Management Massachusetts Institute of Technology Experience “ Senior Executive Vice President, Bangkok Bank Public Company Limited (2011-2022) “ Executive Vice President, Bangkok Bank Public Company Limited (2005-2011) Chalit Tayjasanant Commissioner Education “ B.Sc. in Metallurgical Engineering Michigan Technological University, USA “ M.Sc. in Industrial Management University of Dallas, USA Experience “ President Director of PermataBank (2021-2022) “ Commissioner of PermataBank (2020-2021) “ Executive Advisor, Bangkok Bank Public Company Limited — Indonesia (2019-2020) FY2023 About Permatabank | 42
Page 43 OCR 0.899
Board of Commissioners Haryanto Sahari Independent Commissioner Education “ B.E.in Accounting University of Indonesia Experience “ Member of Integrated Governance Committee at PermataBank (2020-2022) “ Member of Audit Committee at PT Unilever Tbk (2016-2022) “ Independent Commissioner and Chairman of Audit Committee at PT Cardig Aero Services (2019-2021) Yap Tjay Soen Independent Commissioner Education “ B.Sc.in Engineering McGill University, Montreal, Canada “ MBA MctGill University, Montreal, Canada Experience “ Senior Advisor in IRAI (Independent Research & Advisory Indonesia) (2019-2022) “ Commissioner of PT Finansia Multi Finance (2019-2020) “ Independent Commissioner of PT Putra Mandiri Jembar Tbk (2019-2020) PT Bank Permata Tbk V, Permata Goei Siauw Hong Independent Commissioner Education “ B.Eng.in Agronomy Institut Pertanian Bogor “ MBA in Business/Finance and Marketing Indiana University, Bloomington, USA “ CFA from CFA Institute “ FRM from GARP (Global Association of Risk Professionals) Experience “ Independent Commissioner of PT Bank Mandiri Tbk (Persero) (2015-2019) “ Member of Risk Monitoring Committee in PT Bank Permata Tbk (2006- 2010) Riswinandi Independent Commissioner Education “ BE. Trisakti University Experience “ President Commissioner/Independent Commissioner of PT BNI Sekuritas (2022-2023) “ Chief Executive of Non-Bank Financial Industry Supervision (IKNB) concurrently as a Member of the Board of Commissioners of the Financial Services Authority (OJK) (2017-2022) FY2023 About Permatabank | 43
Page 44 OCR 0.910
Board of Directors Permatabani Meliza Musa Rusli President Director Abdy Dharma Salimin Technology & Operation Director Education “ B.Com. University of Toronto, Canada Education “ B.Eng. University of Indonesia “MBA University of Melbourne, Australia Experience Experience “ Global Technology Head for Retail Banking of Standard “ Vice President Director of PermataBank (Jan- May 2022) Chartered Bank (2015-2016) “ Chief of Group Digital Strategy of PT Astra International Tbk “ Global Product Engineering Head for Wholesale & Retail (2020-2021) Banking of Standard Chartered Bank (2013-2015) Dhien Tjahajani Herwin Bustaman Legal & Compliance Director Sharia Business Unit Director Education “ BB University of Southern @ueensland, Australia “MBA International Islamic University, Malaysia Education “ LL.B. Sebelas Maret University “ Education in Business, at Curtin University of Technology, Perth, Australia “MBA Edith Cowan University, Perth, Australia Experience , “ Head of Shariah Banking at PT Bank Maybank Indonesia Tbk Experience (2013-2018) “ Legaland Compliance Director, Independent Director and “ Sharia Business Unit Director of The Hongkong and Shanghai Corporate Secretary of PT Bank Maybank Indonesia Tbk Banking Corporation, Indonesia (2011-2013) (2014-2018) “ Compliance Director at PT Bank Commonwealth Indonesia (2012-2014) PT Bank Permata Tbk FY2023 About Permatabank | 44
Page 45 OCR 0.911
Board of Directors PT Bank Permata Tbk Djumariah Tenteram Retail Banking Director Education “ B.Acc. University of Nommensen, Medan Experience “Head of Wealth Management, Retail Liability Products & E-Channel of PermataBank (2013-2018) “ GM, Integrated Distribution, GM, Priority & International Banking, Personal & Preferred Banking: GM, Shared Distribution: GM, Wealth Management, Segment and Marketing: and Branch Manager di Standard Chartered Bank (2003-2013) Setiatno Budiman Risk Director Education “ B.C.E. Tarumanagara University “MBA Oklahoma City University Experience “ Chief Credit Officer of PermataBank (2020-2022) “ Senior Credit Officer - Credit Risk of PermataBank (2019- 2020) “ Senior Credit Officer Wholesale Banking of PermataBank (2016-2019) V, Permata Dayan Sadikin HR Director Education “ Bachelor of Social Science University of Indonesia “ M.Com. University of New South Wales, Sydney, Australia Experience “ Director for PT Kideco Jaya Agung (2018-2019) “ President Director for PT Solaris Power Indonesia (2016-2018) “Head of Human Capital at PT Indika Energy Tbk and members of Human Resources Committees within Indika Energy Group (2011- 2016) Rudy Basyir Ahmad Finance Director Education “ B.Sc. California State University “ M.Mgt. Prasetya Mulya Business School Experience “ Chief Finance Officer of Citibank (2021-2023) “ Senior Vice President of PT GoTo Gojek Tokopedia Tbk (2020- 2021) “ Senior Vice President of Citibank (2017-2020) FY2023 About Permatabank | 45
Page 46 OCR 0.905
PermataBank At-a-Glance PT Bank Permata Tbk Year Established 1955 Listed at IDX 1990 Stock Code BNLI DSIB One of Domestic Systemically Important Banks Total Asset Rp257 trillion Market Capitalization Rp33 trillion Bangkok Bank Business Segment Consumer & SME Corporate & Commercial Product & Service Conventional Sharia Shareholders Bangkok Bank - 98.745 Public -1.34 Corporate Rating PEFINDO — idAAA (Outlook Stable) Moody's — Baa2 (Outlook Positive) V, Permata Total Employee ? 7,000 Total Customer 2 6.2 Million Market Leading Digital Capabilities FY2023 About Permatabank | 46
Page 47 OCR 0.895
Top 10 Indonesian Banks with National Banking Coverage pemetaan Cities / Regions Sumatera Conventional Sharia Jabodetabek Conventional 81 Sharia 8 Aya —o SA West Java 24 Conventional 22 Sharia 2 AA Central Java 20 Conventional 18 Sharia 2 253 20,000- Channels Network Offices" East Java 25 Conventional 24 Sharia 1 Sulawesi Conventional 5 Sharia Kalimantan Conventional Sharia Bali & NTB Conventional Sharia “Bank's Network Offices including 216 Branches (193 conventional licensed & 23 sharia licensed) listed in above map, 6 Regional Offices and 31 Functional Offices. PT Bank Permata Tbk FY2023 About Permatabank | 47
Page 48 OCR 0.931
Synergies With Bangkok Bank Ll li Center of Excellence International Banking Strategy Transaction Banking Sharing capabilities and operational models to understand the transaction business at PermataBank and Indonesia. Cross Border International Payments Launched Asia Same-Day service (Remittance/Telegraphic Transfer service from/to Bangkok Bank Thailand in THB and USD on the same day) in August 2022. Cross Border Supply Chain Develop the best solution for working capital management for exporters and importers including Dealers/Buyers and Suppliers. @R Pay Cross Border Open-up opportunities for Indonesia tourism business and MSMEs to engage with global markets Knowledge Sharing between Bangkok Bank and PermataBank Synergy by sharing experiences and expertise in related areas to promote a more integrated ASEAN value chain: “ Corporate & Commercial (Trade Finance and Project Finance), “ Consumer & SME (Branch Optimization, Mobile Services and Supply Chain Financing) Synergy by sharing knowledge and expertise through the International Mobility Program Synergy in human resource development through Bangkok Bank Group Leadership Academy (BBGLA) Program V, Permata Bangkok Bank's International Network and PermataBank's Branch Services Support to Indonesian customers in developing their business through the global network of Bangkok Bank group (Thailand, Malaysia, Singapore, Philippines, Vietnam, China, Hongkong, Taiwan, Japan, United Kingdom, United States) Providing local banking support through 216 Bank Permata Branch Offices to international customers of Bangkok Bank PCL (BBL) group | who have operations in Indonesia or want to expand their network in Indonesia. FY2023 About Permatabank | 48
Page 49 OCR 0.890
Awards & Achievements pemetaan Warta Ekonomi Awards “ The Best HR Management for The Outstanding Support in Enhance the Employee Experience — Indonesia HR Awards 2023 “ Most Innovative Conventional Bank for Optimizing The Use of Technology on Business Process -— Indonesia Digital Innovations Awards 2023 12th Infobank Digital Brand Recognition Award 2023 “ The Best, Mobile Banking (Conventional Bank) 20' Banking Service Excellence Award 2023 “ Diamond Recognition - 20 Consecutive Years In Service | Ministry of Social Affairs | Excellence Special Appreciation Award S8 Annual Report Award 2022 “ “3rd place in the Non-BUMN /Non BUMD Financial Category” | 2 The 14" IICD CG Conference and Awards 2023 Asia-Pacific Stevie Mob-EX Singapore Marketing Excellence MIX Marcomm Magazine “The Best Disclosure & Transparency Award 2023 Award 2023 Award Indonesia 2023 (SWA Group) Award - Big Cap Listed Company “Award for Innovation “Award for Best «Award for Excellent in “ Corporate Sustainability “- Top 50 Big Cap Issuers Corporate in Corporate Website Campaign Pivot Customer Engagement Initiatives Award 2023 Governance Implementation PT Bank Permata Tbk FY2023 About Permatabank | 49
Page 50 OCR 0.775
Corporate Social Responsibility Since 2011 and Continuing to Contribute to Community Building 80 621 @ PERMATA & YOUTHPRENSUR 2,700 Students 4,975 Beneficiaries with Disabilities PERMATA Ye: BRAVEG PT Bank Permata Tbk “YTD as of 31 December 2023 V, Permata ks) 47.5K FD 483K Strategic Partners Schools & Communities Perm ata Hati Lv, 5 599 Student Scholarships Total Beneficiaries PERMATA , 8, H3 BANKIR CP, CILIK 1,000 Students 44k Students PERMATA sks CERITA Ya FY2023 About Permatabank | 50
Page 51 OCR 0.915
Balance Sheet Permatabani in Rp trillion Marketable Securities Allowance for Loan Impairment Losses Total Assets Deposits - Saving Accounts Other Liabilities PT Bank Permata Tbk Source : Published Report, Ratio (36) are Calculated using Bank Only Statements FY2023 About Permatabank | 51
Page 52 OCR 0.891
Income Statement Permatabani in Rp billion Non-Interest Income Pre-Provision Operating Profit Non-Operating Income Profit After Tax PT Bank Permata Tbk Source : Published Report, Ratio (86) are Calculated using Bank Only Statements FY2023 About Permatabank | 52
Page 53 OCR 0.854
Financial Ratios Permatabani Financial Ratios (in ?6) Dec-21 Dec-22 Dec-23 Dec-23 YoY (76) Total CAR PT Bank Permata Tbk Source : Published Report, Ratio (86) are Calculated using Bank Only Statements FY2023 About Permatabank | 53
Page 54 OCR 0.764
Stock Information Permatabani Closing Price Dec 2022 - Dec 2023 IDX : BNLI 1,200 1,200,000 " 27-Jun-23, 975 Wu Me -23 Pan Pata “oo 29-Sep-23, 925 1,000,000 2 8 1000 29-Dec-23, 920 300.000 8 N Pad x Nn £ 900 2 g 31-Mar-23, 950 600,000 E a 2 & 800 S s & n £ 2 400,000 8 8 700 F — | — 500 | dl kaitan | | bakul, | | IT | 1 | | IP | | | | | h | | ah | 1 Jul | Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 mmm Trading Volume (Share) Closing Price (Rp) Source: 1) Bloomberg for Share Price, Volume & Outstanding Shares, 2) Company Publication for Book Value & PAT, 3) Company Analysis for Valuation Ratios PT Bank Permata Tbk FY2023 About Permatabank | 54
Page 55 OCR 0.907
PT Bank Permata Tbk Investor Relations Department World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Website: www.permatabank.com/id/tentang-kami/hubungan-investor Email: investor.relations@permatabank.co.id A2 (O-
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unresolved
org
Bank Only Statements Return On Assets
p.30
unresolved
org
Bank AA
p.40
unresolved
org
Bangkok Bank Public Company Limited
p.42 ×5
unresolved
org
Unilever Tbk
p.43 ×2
unresolved
org
PT Finansia Multi Finance
p.43
unresolved
org
Financial Services Authority
p.43
unresolved
org
PT Bank Commonwealth Indonesia
p.44
unresolved
org
PT Kideco Jaya Agung
p.45
unresolved
org
PT Solaris Power Indonesia
p.45
unresolved
org
Bank Business Segment Consumer
p.46
unresolved
org
Bangkok Bank - 98.745
Public
p.46
unresolved
org
Bank Ll
p.48
unresolved
org
Bank Thailand
p.48
unresolved
org
Bank Group Leadership Academy
p.48
unresolved
org
Bank Permata Branch Offices
p.48
unresolved
org
Bank PCL
p.48
unresolved
org
Ministry of Social Affairs
p.49
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.