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Public Expose PT Bank Permata Tbk FY 2025 Performance Presentation March 2026
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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 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 Disclaimer | 2
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Table of Contents
02 | Disclaimer 19 | Full Year 2025 Financial Performance
04 | Speakers 20 Strong Revenue Structure and Sustainable Profit
21 More Efficient Business Process and Well-Maintained Performance
22 Consistently Applying Balance Sheet Optimization
05 | Management Highlights 23 Growing Loan Disbursement with Diversified Portfolio
06 Permata Bank Highlights
24 Diversified Loan Portfolio
07 Strategy Framework
27 Loan Diversification in Various Industrial Sectors
08 Permata Bank Milestones
28 Sustainable Portfolio
09 Modernization in Banking Experience
29 Credit Portfolio Quality Remains Sound with Prudent Provision Management
10 Mobile Banking Permata ME
30 Well Maintained LAR and LAR Coverage
11 Permata eBusiness
31 Manageable Third-Party Funds (Deposits)
12 Sustainability Framework and Strategy
32 Maintaining Strong Capital with Liquidity Ratio
Well Above Minimum Requirement
13 | 2026 Economic Outlook 33 Strong Capital to Support Future Business Growth
14 The Four Horsemen of the Global Economy in 2026
15 Macro Highlights
16 Banking Industry Performance 34 | About Permata Bank
17 PIER’s Economic and Market Forecast
18 Economic Opportunities and Challenges
PT Bank Permata Tbk Table of Contents | 3
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Speakers
Speakers
Rudy B. Ahmad Meliza M. Rusli Josua Pardede
Finance and Sharia President Director Chief Economist
Business Unit Director
Moderator Corporate Secretary
Eti Candrawati Katharine Grace
Division Head of Chief of Corporate Affairs
Investor Relations and Sustainability
PT Bank Permata Tbk Speakers Introduction | 4
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Management Highlights
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Permata Bank Highlights
Permata Bank’s Footprint Key Financial Highlights
Cities Presence Network Offices* Total Assets Total Loans
81 232 Rp268.3 trillion Rp163.3 trillion
+3.6% +5.5%
ATMs Indomaret Channels
834 20,000+ Total Deposits PAT
Rp192.8 trillion Rp3.6 trillion
Total Employees Total Customers +3.9% +0.6%
>6,800 >5.5 Juta
Gross NPL CAR
Shareholder Composition
2.1% 34.6%
Bangkok Bank – 89.12%
0.0% 0.0%
Public – 10.88%
Note: Position as of 31 December 2025
PT Bank Permata Tbk *Network Offices include 200 Branches (Conventional & Sharia), Regional Office and Functional Office FY 2025 – Management Highlights | 6
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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 customer satisfaction
franchise banking (NPS) in the Industry
Business Employee Service Technology
4 Strategic Grow sustainable and prudent Build an extraordinary team Deliver delightful everyday Drive operational excellence.
Pillars business through adoption of and foster an agile, experiences and targeted scalable, reliable, secure
best-in-class business, credit collaborative culture solutions technology platforms to support
and risk management with growth, including through the use
enhanced data-driven analytics of AI
Values
PT Bank Permata Tbk
I-PRICE FY 2025 – Management Highlights | 7
Page 8
Permata Bank Milestones
2025 Key Events and Achievements
Permata Bank together with Bangkok Permata Bank and WWF calls for Cross-Industry Collaboration
Permata Bank & Japan Airlines
Bank held the Indonesia Investment & Elephant Habitat Preservation Through GAIKINDO
holds First Travel Fair in 2025
Trade Forum (IITF) through Documentary Film Jakarta Auto Week 2025
Jan Apr May Jul Aug Oct Nov
2025 2025 2025 2025 2025 2025 2025
Adeging Mangkunegaran, Permata Bank receives green
Permata Bank earned Permata Bank became one of the
Celebrating Cultural Heritage building certification Greenship
the Great Place To Work® main sponsors of the Forbes Global
with The Spirit Of Growing Existing Building Gold for Permata
Certification in 2025 CEO Conference 2025
Together In Cultural Harmony Bank Bintaro Sector 7 Building
PT Bank Permata Tbk FY 2025 – Management Highlights | 8
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Modernization in Banking Experience
For All Generations
Modernized Branch Re-imagined Branch Developments up to FY2025
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) Tangerang (Mar 2025)
Customer Centric
Relationship Manager
Paperless Transaction 15 Existing Branches Renovated into Modernized Branches
Bintaro Sektor 7 Bromo Sunter Griya
Tangerang Selatan (Jul 2024) Malang (Jul 2024) Jakarta (Apr 2025)
PT Bank Permata Tbk FY 2025 – Management Highlights | 9
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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
Access exclusive rates on inter-account
transfers within Permata Bank
Account opening through Permata ME
is now available for foreigners
Transfer funds to various currencies
with competitive rates
Other features include :
• Instantly calculate exchange rates and manage international transactions with ease
• QR transactions are available in Singapore, Malaysia and Thailand
• Discover a full range of investment products
• Cardless cash withdrawal available through more than 20,000 Indomaret outlets across the country.
PT Bank Permata Tbk FY 2025 – Management Highlights | 10
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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 information with instant
notifications and transaction confirmations
Intelligent online payments
Access real-time account movements for ease of transaction
tracing and liquidity management
Various Host-to-Host and file upload capabilities to support
large volume transactions
Permata eBusiness
Brings a modern makeover designed to Intelligent online payments accommodating domestic and
enhance your journey Support large volume
transactions international transfers, tax settlements bill payments, and more
PT Bank Permata Tbk FY 2025 – Management Highlights | 11
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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
Sustainability
2 Sustainable Product Development
Permata Bank’s
Sustainability Framework 3 Climate-Related Risk
Sustainability Vision Net Zero Emissions (NZE) – Financing
4
To become a trusted financial partner, driving transformation toward a sustainable, inclusive, and Activities
responsible economy.
Net Zero Emissions (NZE) – Operational
5
Sustainability Mission Activities
1. We provide innovative, inclusive, and responsible financial services for customers by integrating
I-PRICE
sustainable finance principles.
6 Sustainability Learning Series
2. We actively contribute to environmental preservation, social equity, and fair economic growth.
3. We build a transparent, accountable, and ethical business through effective sustainability risk 7 Diversity, Equity, and Inclusion (DEI)
management and collaboration with stakeholders for a sustainable future.
8 Sustainable Procurement
Sustainability Pillars
Corporate Social and
Sustainable 9
Sustainable Sustainable Sustainability Environmental Responsibility
Impact for
Business Operations Governance
Communities *) No. 1 : financial target, No. 2 – 9 : non financial target
Key Priority 2026
PT Bank Permata Tbk FY 2025 – Management Highlights | 12
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2026 Economic Outlook Macro & Banking Industry
Page 14
The Four Horsemen of the Global Economy in 2026
Rising geopolitical tensions Persistent global trade tensions Diverging global policy rate Slower-than-expected China
driving risk-off sentiment path recovery
Rising geopolitical tensions are A persistent trade war in 2026 Diverging monetary policy paths A slower recovery in China in
likely to sustain risk-off sentiment poses downside risks to global among major central banks in 2026 could weigh on global
in 2026, increasing volatility, growth and financial stability. For 2026 will prolong uncertainty, growth, trade, and commodity
supporting safe-haven demand, Indonesia, this may pressure the heighten currency volatility, and demand, while increasing external
and pressuring emerging market external sector through weaker complicate capital flows. This pressures and market volatility for
assets amid heightened sensitivity exports thus widening CAD, and fragmentation may intensify Indonesia as a key economic
to geopolitical developments. increased vulnerability of the BoP. repricing in bond and FX markets. partner.
Short-term Long-term
Impact Impact
PT Bank Permata Tbk FY 2025 – 2026 Economic Outlook | 14
Source: Permata Institute for Economic Research (PIER)
Page 15
Macro Highlights
PMI & RSI
Economic Growth, % Manufacturing PMI - lhs Retail Sales Index - rhs
5.31 5.05 5.03 5.11 5.39
5.01 4.88 5.03 5.07 5.17 5.02 4.87 5.12 5.04 56 300
218 222 232
3.70 54 250
52
200
50
52.2 51.2 51.2 150
48
100
46
44 50
46.9
42 0
Sep-24
Mar-25
Mar-23
Sep-23
Sep-25
Mar-24
Jun-23
Dec-23
Jun-24
Dec-24
Jun-25
Dec-25
-2.07
2015
2017
2018
2Q25
4Q25
2014
2016
2019
3Q25
2021
1Q25
2020
2022
2023
2024
2025
Trend of Rupiah in 2025 BI Rate Determinants
17,200
Indonesia's Inflation (% yoy) - lhs
17,000 9 BI Rate - lhs -2
16,855 8 FFR - lhs
IDR per USD
16,800 -1.5
7 CA Balance (% of GDP) - rhs -0.69
16,600 16,690 6 -1
4.75
% of GDP
5 -0.5
16,400
4
%
3.75
16,200 3 0
16,110 2.92
2 0.5
16,000
1
1
15,800 0
Jan-25
Mar-25
Jul-25
Sep-25
Oct-25
Aug-24
Aug-25
Feb-25
Apr-25
Aug-25
Nov-25
Jun-25
Dec-24
May-25
Dec-25
Aug-23
Oct-23
Feb-24
Apr-23
Dec-23
Oct-24
Apr-24
Dec-24
Feb-25
Feb-23
Oct-25
Jun-24
Apr-25
Dec-25
Jun-25
Jun-23
-1 1.5
PT Bank Permata Tbk FY 2025 – 2026 Economic Outlook | 15
Source: Bank Indonesia, Statistics Indonesia, & Bloomberg
Page 16
Apr-23
Apr-23
Jun-23
Jun-23
Aug-23
Aug-23
Oct-23
Oct-23
Dec-23
Dec-23
Feb-24
83.83
Feb-24
10.38
Apr-24
PT Bank Permata Tbk
Apr-24
Jun-24 Jun-24
Aug-24 Aug-24
Oct-24 Oct-24
Dec-24 Dec-24
Loan Growth, % YoY
Feb-25 Feb-25
Loan-to-Deposit Ratio, %
88.57
10.46
Apr-25 Apr-25
Jun-25
86.40
Jun-25
7.77
Aug-25 Aug-25
Oct-25 Oct-25
85.40
Dec-25
9.63
Dec-25
Jun-23 Apr-23
Aug-23 Jun-23
Oct-23 Aug-23
Dec-23 Oct-23
Feb-24 Dec-23
4.87
Feb-24
3.73
Apr-24
Jun-24 Apr-24
Aug-24 Jun-24
Oct-24 Aug-24
Oct-24
4.62
Dec-24
Dec-24
Feb-25
Net Interest Margin, %
Deposit Growth, % YoY
Feb-25
4.48
Apr-25
Apr-25
Jun-25
4.45
Jun-25
Aug-25
6.96
Aug-25
Oct-25
Oct-25
4.56
Dec-25
Source: Bank Indonesia, OJK, & Permata Institute for Economic Research
13.83
Dec-25
Jun-23 Feb-23
Apr-23
Aug-23
Jun-23
Oct-23
Aug-23
Dec-23
Oct-23
27.65
Feb-24
Dec-23
2.16
Apr-24 Feb-24
Jun-24 Apr-24
16
Aug-24 Jun-24
Oct-24 Aug-24
Dec-24 Oct-24
26.69
Dec-24
Feb-25
2.05
Non Performing Loan, %
Feb-25
Capital Adequacy Ratio, %
Apr-25
Apr-25
Jun-25
Jun-25
25.51
Aug-25
2.26
Banking Industry Performance
Aug-25
FY 2025 – 2026 Economic Outlook | 16
Oct-25
Oct-25
25.89
Dec-25
2.05
Dec-25
Page 17
PIER’s Economic and Market Forecast
2024 1Q25 2Q25 3Q25 4Q25 2025 2026F 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 5.11 4.98 5.02 5.05
Real Consumption: Government (% yoy) 6.76 -1.22 -0.32 5.66 4.55 2.50 5.18 5.23
Real Gross Fixed Capital Formation (% yoy) 4.61 2.12 6.99 5.04 6.12 5.09 5.48 6.09
Real Export (% yoy) 6.85 5.91 10.14 9.14 3.25 7.03 3.04 7.34
Real Import (% yoy) 8.15 3.57 11.15 0.86 3.96 4.77 4.21 9.15
Inflation & Unemployment
Headline Inflation Rate (2022=100, % yoy, eop) 1.57 1.03 1.87 2.65 2.92 2.92 2.72 2.94
Unemployment Rate (%) 4.91 4.76 4.76 4.85 4.85 4.85 4.72 4.63
Fiscal Condition
Fiscal Balance (% of GDP) -2.29 -0.43 -0.84 -1.56 -2.92 -2.92 -2.93 -2.90
IDR 10-year Bond Yield (%) 7.00 7.00 6.63 6.37 6.07 6.07 6.16 6.02
External Sector
Current Account (% of GDP) -0.61 -0.05 -0.76 1.09 -0.69 -0.10 -0.59 -1.24
Foreign Reserves (USD bn) 155.72 157.09 152.57 148.74 156.50 156.50 157.83 155.55
USD/IDR (eop) 16,102 16,560 16,238 16,665 16,690 16,690 16,708 16,639
Interest Rate
Fed Funds Rate (%) 4.50 4.50 4.50 4.25 3.75 3.75 3.50 3.25
BI-Rate (%) 6.00 5.75 5.50 4.75 4.75 4.75 4.50 4.25
Banking Sector
Loan (% yoy) 10.39 9.16 7.77 7.70 9.63 9.63 10.20 10.58
TPF (% yoy) 4.48 4.75 6.96 11.18 13.83 13.83 8.92 8.73
LDR (%) 88.57 87.77 86.39 84.19 85.40 85.40 86.35 87.82
PT Bank Permata Tbk *) as of 20-Feb-26
FY 2025 – 2026 Economic Outlook | 17
Source: PIER
Page 18
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. Human Capital Gaps
5. Natural Resource Downstreaming 5. Environmental Risks and Climate
Resilience
PT Bank Permata Tbk Source: Permata Institute for Economic Research (PIER) FY 2025 – 2026 Economic Outlook | 18
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Full Year 2025 Financial Performance
Page 20
Strong Revenue Structure and
Sustainable Profit
Total Revenue Profit After Tax – PAT
(Rp trillion) (Rp trillion)
+ 3.8% YOY + 0.6% YOY
3.6 3.6
12.6 Total Revenue
12.2 1.2
Non-Interest Income 0.8 0.8 0.9 0.7
1.9 2.6
+ 34.1% YOY
4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025
Pre-Provision Operating Profit
(Rp trillion)
+ 4.7% YOY
10.2 10.0 Net Interest Income
- 2.0% YOY 6.1 6.4
3.1 3.1 3.4 3.1
3.0
0.3 0.6 0.5 0.8 0.6
1.3 1.6 1.5 1.8 1.4
2.6 2.5 2.5 2.5 2.4
4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 20
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More Efficient Business Process and
Well-Maintained Performance
Net Interest Margin – NIM Return On Assets – ROA
(%) (%)
- 31 bps YOY - 8 bps YOY
4.3% 1.8% 1.9%
4.2% 4.1% 1.6% 1.6% 1.7%
4.1% 4.0%
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
Loan to Deposit Ratio – LDR Cost to Income Ratio – CIR
(%) (%)
+ 1.8% YOY - 0.4% YOY
85.6%
84.5% 50.1%
82.7% 83.2% 49.6%
80.9% 48.6% 48.5% 48.2%
Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 21
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Consistently Applying
Balance Sheet Optimization
Total Assets Total Deposits
(Rp trillion) (Rp trillion)
+ 3.6% YOY + 3.9% YOY
192.8 Total Deposits
185.5
268.3
259.1 63.9%
55.3%
CASA Ratio (%)
102.5 CASA
123.2 + 20.1% YOY
Time Deposits
83.0 69.6 - 16.1% YOY
Dec-24 Dec-25 Dec-24 Dec-25
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 22
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Growing Loan Disbursement with
Diversified Portfolio
Total Loans Loans Composition
(Rp trillion) (%)
+ 5.5% YOY Others,
Consumer, 0.5%
26.2%
163.3 Total Loans
154.9 0.8 Others
0.8 As of
- 4.0% YOY 31 Dec 2025 Corporate,
Commercial, 61.0%
Corporate 12.3%
89.5 99.6 + 11.2% YOY
Consumer
Conventional, As of
44.7 42.8 - 4.2% YOY 31 Dec 2025 Sharia,
85.4%
14.6%
Commercial
19.8 20.2 + 1.8% YOY
Dec-24 Dec-25
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 23
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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
Term Loans
99.6 Loans
58.0%
89.5 37.6%
2.2
3.1 2.2
2.6 As of
31 Dec 2025
29.6 37.5 Trade Loans &
Dealer
Financing
54.3 57.7 Others* 2.2%
2.2%
Dec-24 Dec-25
Revolving Loans Trade Loans and Dealer Financing/DF
Others* Total Loans
Note: *Others include Overdraft and Interbank Financing
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2025 – Financial Performance | 24
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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
Loans Trade Loans
42.7% & Dealer
19.8 20.2
Financing
4.0 3.4 6.4%
1.3 As of
2.2 31 Dec 2025
8.6
7.7 Others*
16.9%
6.9 Term Loans
5.9
34.0%
Dec-24 Dec-25
Others* Trade Loans and Dealer Financing/DF
Revolving Loans Term Loans
Note: *Others include Overdraft and Interbank Financing
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 25
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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
44.7 11.3%
42.8
6.2
6.3
As of SME & EBB
Mortgage 31 Dec 2025 14.7%
29.1 27.5 64.2%
Credit Card
4.6%
4.7 4.8 Personal Loan
2.6 2.3 5.3%
2.0 2.0
Dec-24 Dec-25
Credit Card Personal Loan Joint Financing Mortgage SME & EBB
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 26
Page 27
Loan Diversification in Various Industrial Sectors
Dec-25
Loan Based on Industry Sector Growth
Dec-24 Dec-25 Composition
(Rp trillion) YoY (%)
(%)
Personal Loan for Housing and Automotive 39.3 37.3 -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% 8.2%
Financial Intermediaries 14.1 15.9 12.6% 9.7%
Construction & Real Estate 9.2 13.2 44.0% 8.1%
Mining 12.9 10.7 -17.4% 6.5%
Others ** 16.1 13.7 -15.0% 8.4%
Total 154.9 163.3 5.5% 100.0%
* 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 Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 27
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Sustainable Portfolio
Sustainable Business Activities Category (“KKUB”)* - Rp trillion Composition of Environmentally Friendly Business Activities (“KUBL”):
Renewable Energy Sustainable
Rp8.4 trillion Transportation
30.1
Rp1.1 trillion
22.6
Pollution Prevention
Green Building
and Control
24.9
Rp3.2 trillion
+ 33.3% Rp6.0 trillion
13.8
12.4 16.8 YOY
9.2 6.4 Sustainable Natural Others
Resources and Land Use (Energy Efficiency, etc)
Rp4.9 trillion Rp1.2 trillion
4.5 6.1 5.8 5.2
2022 2023 2024 2025 Other Sustainability Initiatives (not included in KKUB)
Green Electronic Vehicle Sustainability Linked Sustainable Bond
Environmentally Friendly Business Activities (KUBL) Mortgage Financing Loan (Syndication) Placement
Micro, Small, and Medium Enterprises (MSMEs)
*Classification Based on POJK 51/2017
PT Bank Permata Tbk FY 2025 – Financial Performance | 28
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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%
356.1%
0.3%
0.2% Net NPL
1.0% 1.1%
2.1% 2.1% Cost
of Credit*
Gross NPL
Dec-24 Dec-25 Dec-24 Dec-25
PT Bank Permata Tbk Source : Published report, ratios are calculated using Bank Only Statements FY 2025 – Financial Performance | 29
*Cost of Credit is provided on net basis, which includes LI Recovery Impact
Page 30
Well Maintained LAR and LAR Coverage
Loan At Risk – Loan At Risk –
LAR (Rp trillion) LAR Coverage Ratio (%)
- 15.9% YOY + 20.7% YOY
7.9%
6.3% 117.8%
% LAR/Total Loan
97.1%
12.2 Total LAR
10.3 NPL
3.2
+ 7.7% YOY
3.4
Col. 2
6.4
- 21.3% YOY
5.0
Col. 1 Restructured
2.7 1.9 - 30.5% YOY
Dec-24 Dec-25 Dec-24 Dec-25
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 30
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Manageable Third-Party Funds (Deposits)
Corporate Deposits Commercial Deposits
(Rp trillion) (Rp trillion)
+1.5% YOY + 17.9% YOY
59.7 60.5 TD
28.8 TD
15.5 - 28.9% YOY 24.4
21.8 7.8 - 34.6% YOY
CASA 12.0
37.9 45.1 +18.9% YOY 21.0
12.5 CASA
+68.4% YOY
Dec-24 Dec-25 Dec-24 Dec-25
Consumer Deposits Deposit Composition
(Rp trillion) (%)
+ 2.0% YOY Consumer Corporate Sharia
53.7% 31.4% 14.0%
101.5 103.5
TD
46.4 - 6.0% YOY As of As of
49.3 31 Dec 2025 31 Dec 2025
52.2 57.1 CASA
Conventional
+ 9.5% YOY Commercial 86.0%
14.9%
Dec-24 Dec-25
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY 2025 – Financial Performance | 31
Page 32
Maintaining Strong Capital with Liquidity Ratio
Well Above Minimum Requirement
Liquidity Coverage Ratio – LCR Return On Equity – ROE
(%) (%)
- 43.8% YOY - 0.5% YOY
340.2%
296.5% 7.2% 6.8%
Dec-24 Dec-25 Dec-24 Dec-25
Net Stable Funding Ratio – NSFR CAR, Tier-1 & CET-1
(%) (%)
- 1.6% YOY
34.6% 33.5% 34.6% 33.6%
CAR
128.5% 126.8%
CET-1 26.4% 26.6%
Tier-1
Dec-24 Dec-25 Dec-24 Dec-25
Note: LCR is calculated quarterly basis. Since Q2 2025, minimum GWM fulfillment is not calculated as part of the Bank's HQLA.
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements
FY 2025 – Financial Performance | 32
Page 33
Strong Capital to Support Future
Business Growth
Capital & CET-1 Total Cash Dividend
(Rp trillion) (Rp billion)
+ 20.0% YOY
CET-1
(Dec-25)
30.0
+ 7.8% YTD 25.0
40.1 43.3 1,085
37.4 905
As the Controlling Shareholder of
Total Capital Bank Permata, Bangkok Bank is
(Dec-25)
committed to providing full support
49.1 52.6 56.4
+ 7.1% YTD for the long-term growth of Permata
Bank to become one of the Largest
Dec-23 Dec-24 Dec-25 2023 2024
Commercial Banks in Indonesia
On 9 April 2025, Permata Bank held an Annual Permata Bank maintains a balance between
General Meeting of Shareholders (AGMS) and an optimal rate of return for shareholders as
approved the distribution of cash dividend of well as keep optimizing the capital structure
Rp1,085 billion (representing Rp30 per share) needed for growth purposes.
to shareholders for the financial year ended 31
December 2024.
PT Bank Permata Tbk FY 2025 – Financial Performance | 33
Page 34
About Permata Bank
Page 35
Board of Commissioners PT Bank Permata Tbk FY 2025 – About Permata Bank | 35
Page 36
Board of Directors PT Bank Permata Tbk FY 2025 – About Permata Bank | 36
Page 37
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
countries (excluding Thailand) and Bank's shares, while the remaining
more than 700 branches in Thailand. 10.88% are owned by the public.
Strategic Alignment
As part of Bangkok Bank, Permata
Bank aligns its business strategies
and operations with the Bank's
Business Plan, which is based on the
principle of prudence.
PT Bank Permata Tbk FY 2025 – About Permata Bank | 37
Page 38
Permata Bank At-a-Glance
Year Established
1954 Business Segment Total Employee
Listed at IDX Consumer Banking > 6,800
1990 Corporate Banking
Stock Code Commercial Banking
BNLI
Shareholders Product & Service Total Customer
Bangkok Bank - 89.12% Conventional > 5.5 Million
Public – 10.88% Sharia
Total Asset Corporate Rating
Rp268.3 trillion PEFINDO – idAAA
(Outlook Stable) Market Leading
Digital Capabilities
Market Capitalization Moody’s – Baa1
Rp186.3 trillion (Outlook Negative*)
Note : On 30 April 2025, Moody’s changed the outlook on the ratings of Permata Bank from Stable to Negative. The rating action is driven
PT Bank Permata Tbk by the change in the outlook of Bangkok Bank Public Company Limited's (BBL, Baa1 negative, baa1) ratings to negative, which in turn was FY 2025 – About Permata Bank | 38
driven by the negative outlook on the ratings of the Government of Thailand (Baa1 negative).
Page 39
Innovation to Serve Customers Better
A new solution for your business A personalized and efficient online The system that integrates
Information and banking service
Mobile Banking for that allows consumers to make banking experience. Manage all Customer's platform to be directly
through phone, email and
All of Your Banking Needs payments directly from their mobile your financial needs easily through connected with Permata Bank for
social media
phones. Permata Bank’s website. various banking activities.
Permata eBusiness
The web-based integrated banking A new payment solution that
The internet-based electronic The ATM with complete facilities to
service solution that connects you supports card and QR transactions, The service to check all banking
banking to meet your online provide banking transactions
with the supply chain based on your making business easier for both transactions by SMS
business transaction needs. anytime you need
business. merchants and customers.
PT Bank Permata Tbk FY 2025 – About Permata Bank | 39
Page 40
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 Basic and
Rp5,000 per 1 mile for Lounge with LoungeKey Long Supplement cards
dining transaction
AirAsia Card
(Relaunch)
Flying experience in more comfortable way
Priority Check In With Priority Boarding With Xpress Baggage with Multiple Benefit with
AirAsia Card AirAsia Card AirAsia Card AirAsia Card
3000 AA Points for Acquisition,
Up to 7x AirAsia Points for
transaction in AirAsia platform
PT Bank Permata Tbk FY 2025 – About Permata Bank | 40
Page 41
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 enthusiasts, business
currencies, including USD, JPY, SGD, NZD, withdrawals, purchases, and online much easier and more convenient professionals, and students studying abroad
HKD, AUD, EUR, GBP, CAD, CHF, THB transactions) with no conversion rate
Permata ME Saver Program Permata Global Card Program
Free cash withdrawals from each Permata ME Use Permata Global Card for overseas purchase
Saver foreign currency account for the first 3 transaction and get cashback up to 250.000
transactions/month Permata Point Applicable for Personal, Preferred, Priority, and Private segments with the card examples
shown above
Starting from the 4th transaction, a fee equivalent to IDR 25,000 The program ended in Dec’25
per transaction applies for overseas ATMs.
PT Bank Permata Tbk FY 2025 – About Permata Bank | 41
Page 42
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 FY 2025 – About Permata Bank | 42
Page 43
Top 10 Banks in Indonesia
with National Banking Coverage
81 232* 834 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 2
Java 151 Sulawesi 5
Conventional 141 Conventional 4
Sharia 10 Sharia 1
*Network Offices include 200 Branches (Conventional & Sharia) listed in above map, Regional Office and Functional Office
PT Bank Permata Tbk FY 2025 – About Permata Bank | 43
Page 44
Awards and Achievements
Highlighted Awards in 2025
Q1 2025 Q2 2025 Q3 2025 Q4 2025
1. 8th Infobank Satisfaction, Loyalty, and Engagement 1. MRI – Infobank Banking Service Excellence 2025 1. Asian Banking and Finance Awards 2025 1. Annual Report Awards 2024
Awards 2025 Conventional: • Domestic Retail Bank of the Year – Indonesia • 2nd place in the Non-BUMN and Non-BUMD Go
• The 2nd Best in KBMI III Bank in Satisfaction, Loyalty, • The Best Conventional Bank in Service Excellence for • Mobile Banking and Payment Initiative of the Year – Public Finance category (Rp5 trillion cluster)
and Engagement 20 Consecutive Years (2006-2024) – TITANIUM Indonesia
• The 2nd Best in KBMI III Bank in Customer
Engagement Sharia Business Unit:
• The 2nd Best in KBMI III Bank in Customer Centricity • The Best Sharia Business Unit in Service Excellence
Index for 15 Consecutive Years (2010-2024) – DIAMOND
• The 2nd Most Satisfying in KBMI III Bank in ATM
Service
2. Indonesia Sharia and Halal Top Brand Awards 2025 2. Asia-Pacific Stevie Awards 2025 2. HR Excellence SWA Awards 2025 2. Top CEO Indonesia Awards
• Indonesia Best Sharia Business Unit of Conventional • Award for Innovation in Brand Renovation/Re- • Learning and Development (Very Good Predicate) • The Outstanding Leader in Bridging Technology
Bank 2025 with Corporate Strategy Implementation Branding - BRONZE STEVIE® WINNER: Growing • Reward Management & Talent Retention Strategy Innovation and Financing
to Maintain Business Performance – Sharia Business Together with The Lotus Identity (Very Good Predicate)
Unit of Conventional Bank • HR Digitization & People Analytics (Very Good
Predicate)
• Best Financial Sector
3. Indonesia Top Syariah Awards 2025 – The Iconomics 3. Analyst Forecast Awards 2025 By Focus Economics 3. ASEAN Corporate Governance Conference & Awards 3. 30th Infobank Banking Appreciation 2025
• Top Sharia Business Unit – Bank • Permata Institute for Economic Research (PIER) won 2025 • The Excellent Performance Bank in 5 Consecutive
#2 Forecaster - Indonesia Overall. • ASEAN Asset Class Public Listed Company Years 2020-2024
• The Excellent Performance Bank 2025.
4. Podomoro Harmony Awards 2025 4. Digital Channel Customer Experience Award 2025 4. Fortune Indonesia 100 Gala 2025 4. Top 100 CEO & The Future Leaders Forum 2025
• Best Performance 2024 – Bank (DIGICCXA) by Majalah Marketing • Ranked #64 among companies that impact national • Bankers of the Year 2025
• Category Website Regular Banking financial development. • Top 200 Future Leaders 2025
5. Indonesia Institute for Corporate Directorship (IICD) 5. 14th Infobank Sharia Financial Institution Awards
• Best Financial Sector • The Excellence Performance Banking Sharia Business
Unit 2025.
PT Bank Permata Tbk FY 2025 – About Permata Bank | 44
Page 45
2025 CSER Permata Hati Achievements
13.342 3.720 9.859
Total Beneficiaries EVOs Poin Senyum
Social Responsibilities through Financial Literacy
Banking for Student Diversity, Equity & Inclusion CERITA (Employee
Financial literacy program 2 Vocational Training & 3 Volunteerism Movement)
for students and teachers. Batch of UMKM Simultaneously in 23
• EVO Program/ Outing Empowerment for person cities, involving around
• Permata Bankir Cilik with disabilities. 600 EVO throughout
• Guru Permata Finansial Indonesia.
2.978 Edukasi Literasi Keuangan 152 Beneficiaries Affiliator training, August 2025 2.450
Students & Teachers GURU: Permata Finansial By DayaLima Students & Teachers
Environmental Responsibilities Donation & Charity
To support and complete Hari Donasi Online
An ecosystem conservation project Year 1, what is needed, for a better Nasional
life and opportunities in the
collaboration with WWF Indonesia, to protect
future.
Rp. 169 million
Sumatran Elephants in Bukit Tigapuluh, Jambi.
Donasi Bencana 773 Scholarship
• Adopt a Tree: 5,000 disbursed
• School rehabilitation 100% done
Sumatra
Rp. 1,9 billion (Rp249 million
• The provision splitting machine: produce up to 2,000 kg monthly through Human Initiative
• The provision of shredding machine: 25 kg of mature compost. organization)
51 Beneficiaries have
• 30 Box Setup : Honey production average 6 liter/ month received prosthetic legs
PT Bank Permata Tbk FY 2025 – About Permata Bank | 45
Page 46
Balance Sheet
Dec-25 CAGR 5
in Rp trillion Dec-21 Dec-22 Dec-23 Dec-24 Dec-25
YoY Years
Cash 2.0 1.9 1.8 1.7 1.7 1.5% -3.9%
Placement with Bank Indonesia 38.2 52.6 29.7 18.7 12.8 -31.9% -24.0%
Placement with Other Banks 9.0 4.8 5.3 5.3 6.1 14.6% -9.3%
Marketable Securities 56.4 55.1 70.5 70.4 75.6 7.4% 7.6%
Loans (Gross) 125.5 136.3 142.2 154.9 163.3 5.5% 6.8%
Allowance for Loan Impairment Losses (9.0) (10.2) (11.7) (11.8) (12.1) 2.1% 7.6%
Other Assets 12.4 14.6 19.6 19.9 21.0 5.4% 14.1%
Total Assets 234.4 255.1 257.4 259.1 268.3 3.6% 3.4%
Deposits 179.8 195.6 188.3 185.5 192.8 3.9% 1.8%
- Current Accounts 58.9 71.6 64.2 61.3 73.7 20.3% 5.8%
- Saving Accounts 38.3 41.9 39.4 41.3 49.5 20.0% 6.6%
- Time Deposits 82.7 82.2 84.7 83.0 69.6 -16.1% -4.2%
Other Borrowings 9.3 10.3 10.3 10.8 11.3 4.6% 5.0%
Other Liabilities 8.6 11.6 18.9 20.1 18.3 -8.7% 20.8%
Total Liabilities 197.8 217.5 217.5 216.5 222.5 2.8% 3.0%
Shareholders' Equity 36.6 37.6 40.0 42.6 45.8 7.6% 5.8%
Total Liabilities & Shareholders' Equity 234.4 255.1 257.4 259.1 268.3 3.6% 3.4%
PT Bank Permata Tbk Source : Published Report, numbers are Calculated using Bank Only Statements FY 2025 – About Permata Bank | 46
Page 47
Income Statement
2025 CAGR 5
in Rp billion 2021 2022 2023 2024 2025
YoY Years
Net Interest Income 7,975 9,122 9,996 10,223 10,022 -2.0% 5.9%
Non-Interest Income 2,543 1,896 2,050 1,949 2,613 34.1% 0.7%
Revenue 10,518 11,018 12,047 12,172 12,636 3.8% 4.7%
Operating Expense (5,459) (6,041) (6,144) (6,048) (6,227) 3.0% 3.3%
Pre-Provision Operating Profit 5,060 4,978 5,903 6,123 6,408 4.7% 6.1%
Provision for losses (3,643) (2,381) (2,567) (1,529) (1,788) 16.9% -16.3%
Operating Profit 1,417 2,597 3,335 4,594 4,620 0.6% 34.4%
Non-Operating Income 149 17 15 14 11 -21.6% -47.8%
Profit Before Tax 1,566 2,614 3,350 4,608 4,631 0.5% 31.1%
Tax (334) (601) (765) (1,042) (1,043) 0.2% 32.9%
Profit After Tax 1,231 2,013 2,585 3,567 3,588 0.6% 30.7%
PT Bank Permata Tbk Source : Published Report, numbers are Calculated using Bank Only Statements FY 2025 – About Permata Bank | 47
Page 48
Financial Ratios
Dec-25
Financial Ratios (in %) Dec-21 Dec-22 Dec-23 Dec-24 Dec-25
YoY (%)
CET-1 ratio 26.7 25.7 26.9 26.4 26.6 0.2
Total CAR 34.9 34.2 35.3 34.7 34.6 0.0
Loan to Deposit Ratio (LDR) 69.0 68.9 74.8 82.7 84.5 1.8
CASA Ratio 54.0 58.0 55.0 55.3 63.9 8.6
ROA 0.7 1.1 1.3 1.8 1.7 -0.1
ROE 2.9 4.5 5.5 7.2 6.8 -0.5
BOPO 90.1 82.4 81.7 76.1 76.6 0.5
CIR 54.9 55.1 51.5 50.1 49.6 -0.4
NIM 4.0 4.3 4.5 4.3 4.0 -0.3
NPL Gross 3.2 3.1 2.9 2.1 2.1 0.0
NPL Net 0.7 0.4 0.4 0.3 0.2 -0.1
NPL Coverage ratio 227.4 240.3 288.4 375.5 356.1 -19.4
Liquidity Coverage Ratio (LCR) 298.5 290.5 335.6 340.2 296.5 -43.8
Net Stable Funding Ratio (NSFR) 149.1 145.5 138.3 128.5 126.8 -1.6
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 | 48
Page 49
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 Dec-23 Dec-24 Dec-25
6,000 30,000,000 Price (Rp) 920 945 5,150
Closing Stock Price (in Rp/Share)
PBV (x) 0.8 0.8 4.1
5,000 25,000,000
Trading Volume (in Shares)
P/E Ratio* 13 10 52
4,000 20,000,000
Market Cap (Rp
33.3 34.2 186.3
trillion)
3,000 15,000,000 Book Value
40.0 42.6 45.8
(Rp trillion)
2,000 10,000,000 PAT
2.6 3.6 3.6
(Rp trillion)
1,000 5,000,000 EPS*
71 99 99
(Rp/Share)
0 BVS (Rp/Share) 1,105 1,177 1,267
*Annualized
Trading Volume (Share) Closing Price (Rp)
PT Bank Permata Tbk Source: 1) Bloomberg for Share Price, Volume & Outstanding Shares, 2) Company Publication for Book Value & PAT, FY 2025 – About Permata Bank | 49
3) Company Analysis for Valuation Ratios
Page 50
Latest Bank Publication Corporate Financial Annual Press Sustainability Presentation Report Report Release Report PT Bank Permata Tbk FY 2025 – About Permata Bank | 50
Page 51
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 Corporate Secretary Corporate.Secretary@permatabank.co.id Investor Relations investor.relations@permatabank.co.id
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· President Director
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Bank Highlights Permata Bank’s Footprint
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Bank Bintaro Sector
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Bank Indonesia
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Bank Only Statements FY
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Bank At-a-Glance Year Established
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Bangkok Bank - 89.12%
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Bangkok Bank Public Company Limited
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Bank Publication
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