20250311_BNLI_Public Expose_31868216_lamp2.pdf

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                                       MEETING REPORT
                           PUBLIC EXPOSE & PRESS CONFERENCE 2025
                                    PT BANK PERMATA TBK



The 2025 Public Expose of PT Bank Permata Tbk ("Bank Permata" or the "Company") has been
successfully held on :

Day/Date                             :   Thursday, 7 March 2025
Time                                 :   09.00 AM to 11.05 AM Western Indonesian Time
Name of Event                        :   PT Bank Permata Tbk
                                         Public Expose & Press Conference 2025

Location & Event Format              :   1. Onsite (Physical Attendance)
                                            Nusantara Room
                                            World Trade Center II, 21st Fl.
                                            Jl. Jenderal Sudirman Kav. 29-31, Jakarta 12920
                                         2. Microsoft Teams Meeting (Electronic Attendance)

The following is a report on the Public Expose 2025, followed by a press conference. In the meeting,
the Company was represented by the Board of Directors as well as related officials of the Company
and was guided by a moderator from within Bank Permata.

Speakers and Moderator :

Speakers from Company Management
 - President Director                              :   Meliza Musa Rusli
 - Finance and Sharia Business Unit Director       :   Rudy Basyir Ahmad
 - Chief Economist                                 :   Josua Pardede

Moderator
- Public Expose Moderator                          :   Eti Candrawati,
                                                       Division Head Balance Sheet Management
                                                       & Investor Relations
                                                       Bank Permata

-   Press Conference Moderator                     :   Melinda Jahja Go Hoesain,
                                                       Department Head Corporate Relation & CSER
                                                       Bank Permata
Company Management Representative
- Corporate Secretary                              :   Katharine Grace




                                                                                          Page 1 of 15

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Public Expose Attendees :

Public Expose
The 2025 Public Expose was attended by :
• 56 registered participants that were physically present (onsite) in the Nusantara Room,
World Trade Center II, 21st Fl., Jakarta 12920
• 23 registered participants that attended electronically (online) via the Microsoft Teams
application, for which the Microsoft Teams link was previously provided in the
Announcement of Annual Public Expose Planning, published 20 February 2025.

Press Conference
The press conference was attended by 33 representatives of journalists from both local and national
printed and/or electronic media that were physically present in the Nusantara Room, World Trade
Center II, 21st Fl., Jakarta, 12920. The Press Conference was held by the Company after the 2025
Public Expose event.

Herein this report, we attach the attendance list of the public expose and press conference.

Brief Rundown of Event

1. The moderator opened the Public Expose session at 09.00 AM Western Indonesian Time by
introducing the Speakers from the Company’s Management who were physically present from
the Nusantara Room and were accompanied by the Corporate Secretary.
2. President Director, Meliza Musa Rusli opened the presentation by explaining the general
management overview.
3. Chief Economist, Bapak Josua Pardede, continued the presentation by explaining the 2025
Economic Outlook, Macroeconomics and Banking Industry.
4. Finance and Sharia Business Unit Director, Rudy Basyir Ahmad, continued the presentation by
explaining the full year 2024 financial performance.
5. Questions and Answers session were guided by the Moderator from the Company by reading
questions from both onsite participants and online participants of which the latter submitted
their questions via the Q&A chatbox on the Microsoft Teams application. The questions were
answered directly by the Company’s related Management Official.
6. The Press Conference were guided by the Moderator from the Company to answer media
questions regarding the Bank's performance and products.

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Summary of the Q&A Session

The following are the questions asked by participants and the answers given by management in this
public expose that include both questions that were directly asked onsite and questions that were
electronically submitted via Microsoft Teams :

   1.   Bapak Hendro – Individual Investor
        Question:
        What level of Loan to Deposit Ratio (LDR) is comfortable for the Company, because it seems
        there is a tendency for it to increase and the last one stood at 82.7%? What percentage is
        ideal for the Company considering recent credit growth, declining third party funds, a Non-
        Performing Loan (NPL) ratio that is above 1, and considering the Net Interest Margin (NIM)
        which seems to be decreasing to 4.3%?

        Answer:
        Answered by Rudy Basyir Ahmad – Finance and Sharia Business Unit Director
        Based on available guidelines and OJK Regulation (POJK), an optimal LDR for a bank is
        considered to range between 84% to 94%. Meanwhile, from Permata Bank's side, we are
        targeting LDR to range between 82% to 84%, which we think is quite optimal, and is in
        accordance with applicable regulations.

   2. Bapak Marsel – Individual Investor
        Question:
        In the next 3 (three) months, can you explain what corporate actions will be carried out by
        Permata Bank?

        Answer:
        Answered by Rudy Basyir Ahmad – Finance and Sharia Business Unit Director
        Permata Bank will continue to assess opportunities for both organic and inorganic growth.
        Regarding Permata Bank's plan to take corporate actions in the near future, we can convey
        that as a Public Company that also operates in the financial services sector that is regulated
        and supervised by the OJK, Permata Bank is committed to always comply with prevailing
        laws and regulations, including fulfilling the obligation to submit information disclosure to the
        public in a timely manner as required by POJK, Indonesia Stock Exchange Regulations, and
        other related regulations.

   3. Bapak Prasetya - Samuel Sekuritas
        Question:
        - Guidance and 2025 outlook for loan growth, NIM and COC?
        -   With the new company logo, what is the company’s loan target moving forward and
            what will be the focus for Permata Bank?




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- Considering the Capital Adequacy Ratio (CAR) level is already above 30%, what will the
Dividend Payout Ratio (DPR) be in the future? Will there be an increase?

Answer:
Answered by Meliza Musa Rusli – President Director
Our momentum in 2024 with this rebranding – we do want to provide integration in our focus
from the distribution side of all our products and services, in line with Bangkok Bank's
guidance as a Regional Bank. With this guidance, we hope that our credit distribution growth
will be in line with the industry’s. As seen earlier in our presentation, we have reached close
to industry level in 2024.

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