20251003_BNLI_Public Expose_31954401_lamp2.pdf

9 Permata Bank Disclaimer

This report has been prepared by PT Bank Permata Tbk independently and is circulated for the purpose of general
information only. It is not intended to the specific person who may receive this report. The information in this report has
been obtained from sources which we 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

9 Permata Bank

02| Disclaimer 17

04 | Public Expose Event Procedure

05 | Background 21

06 | Management Highlights
07 Permata Bank Highlights
08 Strategy Framework

09 | First Semester of 2025 Financial Performance

10
1

12
13
14
15

16

Strong Revenue Structure and Sustainable Profit

More Efficient Business Process and Well-Maintained Performance
Consistently Applying Balance Sheet Optimization

Growing Loan Disbursement with Diversified Portfolio

Credit Portfolio @uality Remains Sound with Prudent Provision Management
Maintaining Strong Capital with Liguidity Ratio

Well Above Minimum Reguirement

Strong Capital to Support Future Business Growth

PT Bank Permata Tbk

Table of Contents

Permata Bank's Journey

18 Permata Bank's Journey

19  Shareholder Composition

20 Permata Bank Historical Share Price

Permata Bank Latest Updates

22 Disclosure of Information Reguirements
23 Announcement of Temporary Suspension of Stock Trading

Table of Contents

3

9 Permata Bank Public Expose Event Procedure

1. Participants are reguired to register in advance by completing the attendance list using the registration link
provided above.

2. A unigue link to enter the Zoom meeting room will then be sent to the registered email address. Participants
eligible to attend the Incidental Public Expose are those who have completed the attendance list and
changed their identity using the "Name Institution" format during the event.

3. To ensure a smooth running of the Incidental Public Expose event, participant microphones will be muted
during the entirety of the event.

4. The Incidental Public Expose will begin with a presentation session and will be followed by a guestion and
answer (AKA) session.

5. @uestions regarding the presentation material can be submitted through the A&A section in the Zoom
application and will be read aloud during the @&A session.

6. Public Expose materials are available on the website https://www.permatabank.com/id/tentang-
kami/hubungan-investor no later than 1 (one) Exchange Day prior to the Incidental Public Expose.

PT Bank Permata Tbk Public Expose Event Procedure | 4

9 Permata Bank Background

Today's Incidental Public Expose is held based on the Indonesian Stock Exchange's (“IDX”) reguest via
electronic mail dated 30 September 2025, in relation to the temporary trading suspension of Permata Bank
shares (IDX:BNLI) that was carried out as a cooling down measure.

PT Bank Permata Tbk Background

9 Permata Bank

Management
Highlights

9 Permata Bank Permata Bank Highlights

As part of Bangkok Bank with more than 200 overseas branches in
8 ASEAN countries (excl. Thailand) and more than 750 branches in Thailand

Permata Bank's Footprint Key Financial Highlights

Cities Presence Network Offices" Total Assets Total Loans
82 237 Rp264 Tn Rp163 Tn
ATMs Indomaret Channels A 2.37 A 7.470
828 20,000 Total Deposits PPOP
Total Employee Total Customer Rp189 Tn Rp3.2 Tn
26,800 26.2 Mn V134 Ak 5.61
Shareholder Composition Gross NPL CAR
Bangkok Bank — 89124 2146 33.54
Public — 10.884 V 35bps A 084

Note: Position as of 30 June 2025

“Network Offices include 203 Branches(Conventional & Sharia), Regional Office and Functional Office "
PT Bank Permata Tbk wor '2es incu " (Conventi ria), Regi " uneti " 1H2025 -— Management Highlights | 7

Permata Bank Strategy Framework

To becomea Bank of Choice that will be among
the BEST preferred and sustainably profitable

banks with prudent growth in Indonesia

2

. Be the preferred
3 Strategic Create the leading p Be the Market
rate . ecosystem partner Leading on customer
Priorities Depositand Wealth : . . .
. to businesses and satisfaction (NPS) in
franchise
technology players the Industry

AStrategic Business Employee Service Technology
Pillars Ada tank desah Build an extraordinary Deliver delightful everyday Drive operational excellence.
and risk management with team and foster an agile, experiences and targeted Scalable, reliable, secure

enhanced data-driven
analytics

um) I-PRICE

collaborative culture technology platforms to

support growth

solutions

PT Bank Permata Tbk

1H2025 — Management Highlights

8

9 Permata Bank

First Semester of 2025
Financial Performance

9 Permata Bank Strong Revenue Structure and
Sustainable Profit

Total Revenue Profit After Tax — PAT
(Rp trillion) (Rp trillion)

A 3.54 yoy AA 7.64 yov

H
13 '- :
— Total Revenue 07 08 08 0.9
— Non-lnterest Income | IM N 1 : :
1 16.776 yoy | |

2024 3024 4024 1025 2025

Pre-Provision Operating Bai
(Rp trillion)

34 !

,
H
'
'
'
'
'
'
'
'
'
'
'
'
'
'
'
H
'
H Net Interest Income
'
'
'
'
'
'
'
'
'
'
'
'
'
'
'
'
'
'
'

- 0.5 50 Ak 5676y0y 0

: 1 1.076 yoy (30 32

1 Kali 1 1

5. KEB :

2024 3934 4a24 1025 2025 N1H24 1H25, 2024 3024 4024 1025 2025 1 1H24 1H25

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements 1H2025 - Financial Performance | 10

9 Permata Bank More Efficient Business Process and
Well-Maintained Performance

Net Interest Margin — NIM Return On Assets - ROA
(3) (26)
Y 23bpsyoy N VW 3bpsyov .

431 43K 43X 194” 18x :

Jun-24 Sep-24 Dec-24 Mar-25 Jun-25) Jun-24 Sep-24 Dec-24 Mar-25 L Jun-25
Loan to Deposit Ratio - LDR Cost to Income Ratio — CIR
(76) (26)
dk 7.47 yov Oa W 1196vov ta ,
o 85.64
8161 8271 83.24 | 5019

78.246 O—
ET

| 496K 18916 48.6K 48.546 |

Jun-24 Sep-24 Dec-24 Mar-25 Jun-24 Sep-24 Dec-24 Mar-25

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements 1H2025 - Financial Performance | 1

9 Permata Bank

Total Assets
(Rp trillion)
AA 2.30 YOY

Jun-24

PT Bank Permata Tbk

Source : Published report, numbers are calculated using Bank Only Statements

Consistently Applying
Balance Sheet Optimization

Total Deposits
(Rp trillion)

W 13960v

191.8 —— Total Deposits
56.34
CASA Ratio (4) CASA
1 9.946 Yov
108.0

Time Deposits
“—YAS.796 Yo

Jun-24

1H2025 - Financial Performance | 12

9 Permata Bank Growing Loan Disbursement with
Diversified Portfolio

Total Loans Loans Composition
(Rp trillion) (76)

Ak TAKNOY
tera 162.6 —— Total Loans Sharia, 15.94
s T— Others
| 2.996 yoy
97A —— Corporate
88.8
1 9.39 yoy As of

,
1
1
1
1
1
1
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1
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1
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1
1
1
1
1
T
1
1

4

30 Jun 2025

Consumer

11.726 Yov Conventional,
84146

Commercial

112.21 yoy
Jun-24

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements 1H2025 - Financial Performance | 13

9 Permata Bank Credit Portfolio @uality Remains
Sound with Prudent Provision Management

Non-Performing Loan — Non-Performing Loan —
Gross & Net NPL NPL Coverage Ratio

W 0.346 YOY (Gross NPL) Well-Maintained Above »3004
Aannnanaan . 337.994 345.776
——w—— Net NPL

0.446

2.476

,
1
1
1
1
1
1
1
1
1
1
1
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1
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1
1
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1

4

Cost
of Credit"
Gross NPL
Jun-24 | Jun-25
“ AL Ne -
PT Bank Permata Tbk Source : Published report, ratios are calculated using Bank Only Statements 1H2025 — Financial Performance | 14

“Cost of Credit is provided on net basis, which includes LI Recovery Impact

9 Permata Bank

Net Stable Funding Ratio - NSFR
(26)

Y 9316y0r »

PT Bank Permata Tbk

Liguidity Coverage Ratio — LCR

(26)
Y 82.04 yoy

363.84

Jun-24

4
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1

Maintaining Strong Capital with Liguidity Ratio
Well Above Minimum Reguirement

Return On Eguity — ROE

(26)
-----nnunun N Ak A4bpSyoy 0-55
! 6.34 | 630 |
, Jun-24 | Jun25

134.74 BCAR
Il o, '
| 12558 | “ceri
: TAN | TN
! | mTier-1
Jun-24 Po Jun-25 | Jun-24

Note: LCR is calculated guarterly basis
Source : Published report, numbers are calculated using Bank Only Statements

(26)

1H2025 - Financial Performance | 15

9 Permata Bank

Capital & CET! Total Cash Dividend
(Rp trillion) (Rp billion)

CET-A

, (Jun-25)

Dec-23 Dec-24 1 Jun-25

On 9 April 2025, Permata Bank held an Annual
General Meeting of Shareholders (AGMS) and
approved the distribution of cash dividend of
Rp1,085 billion (representing Rp30 per share)
to shareholders for the financial year ended 31
December 2024.

PT Bank Permata Tbk

1 9.64 YTD

|
37.4 di
! ! Total Capital
| : Jun-25)
! PP 7.496 YTD

Strong Capital to Support Future

AA 20.046 vov

Dividend per snare $ 30.0
25.0 (Re/shard)

1,085

905

2023 2024

Permata Bank maintains a balance between
an optimal rate of return for shareholders as
well as keep optimizing the capital structure
needed for growth purposes.

Business Growth

9 Bangkok Bank

As the Controlling Shareholder of
Bank Permata, Bangkok Bank is
committed to providing full support

for the long-term growth of Permata

Bank to become one of the Largest

Commercial Banks in Indonesia

9 Permata Bank

1H2025 - Financial Performance | 16

9 Permata Bank

Permata Bank's
Journey

9 Permata Bank

9 Bangkok Bank

V,
PermataBank YP

Bangkok Bank Bangkok Bank
acguired 891246 completed
of Permata Bank's — Mandatory Tender
shares Offer (MTO) and

the ownership
increased to
98X

PT Bank Permata Tbk

Bangkok Bank
Indonesia Branch
integrated with
Permata Bank,
making Permata
Bank a commercial
bank with the
strongest capital
ratio in Indonesia

Bangkok Bank fully
participated in the
Rights Issue of
Permata Bank IX

Bangkok Bank
fulfilled IDX
Regulation on
minimum free float
share reguirement
and returned the
ownership in
Permata Bank to

Permata Bank's Journey
The Milestones

May 2020 October 2020 December 2020 July 2021 August 2024 September2024 | 2025 - Forward

Permata Bank Permata Bank
introducesitsnew — collaborates with
logo as part of stakeholders to

strategic alignment build a shared
with Bangkok Bank strength in the

to strengthen spirit of “Growing
partnerships and Together” to
cross-border position Permata
collaboration Bank as a local
bank with a

regional vision and
global network

Permata Bank's Journey | 18

9 Permata Bank Shareholder Composition

Shareholder (X)

Bangkok Bank Public
Company Limited
89A2K

Bangkok Bank

Asof
30 Jun 2025

Public
10.8846

On 23 August 2024, Bangkok Bank has effectively fulfilled the OJK Regulation
No. 9/POJK.04/2018 concerning the “Takeover of Public Companies” and the
IDX Regulation No. I-A regarding the “Minimum Free Float Share Reguirement”.
With the fulfillment of these regulations, Bangkok Bank's shareholding in
Permata Bank return to 89.24 from previously 98.7146.

PT Bank Permata Tbk Permata Bank's Journey | 19

9 Permata Bank Permata Bank Historical Share Price

Historical Closing Price 2 Jan 2025 - 30 Sep 2025

IDX : BNLI
29-Sep-25

7,000
2 5,950
ke)
8 6,000 23-Sep-25
& 5,000 4980
S 900 25 Feb 25 26-Jun-25 30-Jul-25
£' Uma 3,260 3,260
& 3,000
8 1I-Sep-25
5 2,000 3,320
2
& 1,000
tj

fo
Jan-25 Feb-25 Mar-25 Apr-25 May-25 Jun-25 Jul-25 Aug-25 Sep-25
— Closing Price (Rp)
Share price is generated based on each respective investor's investment decision and
follows the general market mechanism in Indonesia.

PT Bank Permata Tbk Source: Bloomberg Permata Bank's Journey | 20

9 Permata Bank

Permata Bank
Latest Updates

9 Permata Bank Disclosure of Information Reguirements

During the period from 1 January 2025, until now, Permata Bank has made several disclosures in the form of
explanations regarding Volatility Transactions to fulfill the reguest for clarification from the Indonesia Stock
Exchange, in accordance with applicable Exchange regulations.

Permata Bank always adheres to the rules and regulations of the Capital Market, the Indonesia Stock Exchange,
and other relevant provisions, including meeting the obligation to provide public disclosure of information when
due, as mandated by applicable regulations.

Furthermore, all material information or facts known by the Company have been disclosed to the public in
compliance with applicable regulations.

PT Bank Permata Tbk Permata Bank Latest Updates | 22

9 Permata Bank Announcement of Temporary Suspension
Of Stock Trading w»

In connection with a significant cumulative price increase in BNLI shares, the Indonesia Stock Exchange
(IDX), through its announcement, had temporarily suspended trading of Permata Bank shares (IDX:BNLI),
effective 30 September 2025.

The temporary suspension of BNLI stock trading by IDX was carried out as a cooling down measure to
protect investors. The goal is to provide sufficient time for market participants to carefully consider their
investment decisions in BNLI shares based on the available information.

In reference to IDX Announcement No. Peng-UPT-00257/BEI.WAS/09-2025, the suspension of BNLI stock
trading in the Regular Market and Cash Market has been lifted starting Session I on 1 October 2025.

PT Bank Permata Tbk Permata Bank Latest Updates | 23

9 Permata Bank Announcement of Temporary Suspension

Of Stock Trading cv»

Regarding the cumulative price increase of Permata Bank shares (IDX:BNLI) that led to the trading suspension on 30
September 2025, the following can be conveyed:

1.

All material information or facts known by the Company have been disclosed to the public in accordance with OJK
Regulation No. 31/POJK.04/2015 concerning Disclosure of Material Information or Facts by Issuers or Public
Companies, through the Indonesia Stock Exchange website (www.idxnet.co.id) and the Company's website
(www.permatabank.com).

As of the execution of this incidental Public Expose, it can be stated that there is no other material
information/facts/events that could affect the Company's securities price, investor decisions, or business continuity
that have not been disclosed to the public by the Company.

In the event that the Company plans to carry out corporate actions in the near future, including those that may affect
the listing of the Company's shares on the Exchange, we affirm that as a publicly listed company operating in
financial services regulated and supervised by the Financial Services Authority (OJK), the Company is committed to
always complying with all applicable regulations, including fulfilling the obligation to disclose information to the
public in a timely manner as reguired by Capital Market regulations, IDX regulations, and other relevant rules.

PT Bank Permata Tbk Permata Bank Latest Updates | 24

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