20250304_BNLI_Public Expose_31866144_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

04| Management Highlights

05
06
07
08
09
10
1
12
13

Permata Bank Highlights

Strategy Framework

Permata Bank's Journey

Permata Bank Rebranding
Modernization in Banking Experience
Mobile Banking Permata ME

New Permata eBusiness
Shareholder Composition
Sustainability Strategy

14 | 2025 Economic Outlook

15
16
17
18

Global Risks on Economy and Financial Market
Macro Highlights

Banking Industry

PIER's Economic and Market Forecast

PT Bank Permata Tbk

19 |

33 |

Table of Contents

Full Year 2024 Financial Performance

20
21

22
23
24
27
28
29
30
31

32

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

Diversified Loan Portfolio

Loan Diversification in Various Industrial Sectors

Credit Portfolio @uality Remains Sound with Prudent Provision Management
Well Maintained LAR and LAR Coverage

Manageable Third-Party Funds (Deposits)

Maintaining Strong Capital with Liguidity Ratio

Well Above Minimum Reguirement

Strong Capital to Support Future Business Growth

About Permata Bank

Table of Contents | 3

9 Permata Bank

Management
Highlights

9 Permata Bank Permata Bank Highlights

As part of Bangkok Bank with more than 300 overseas
branches in 9 ASEAN countries

Permata Bank's Footprint Key Financial Highlights

Cities Presence Network Offices" Total Assets Total Loans
82 242 Rp 259 Tn Rp 155 Tn
ATMs Indomaret Channels A ocr 39
827 20,000- Total Deposits Profit After Tax
Total Employee Total Customer Rp 186 Tn Rp 3.6 Tn
-6,800 »6.2 Mn v3 A 381
Shareholder Composition Gross NPL CAR
Bangkok Bank — 891276 214, 3A IK,
Public — 10.8874 VW 82bps V 62bps

Note: Position as of 31 December 2024

“Network Offices include 205 Branches((Conventional & Sharia), Regional Office and Functional Office "
PT Bank Permata Tbk wor '2es incu " ( venii ria), Regi " unehi " FY2024 -— Management Highlights | 5

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 FY2024 — Management Highlights | 6

9 Permata Bank Permata Bank's Journey

The Milestones

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

9 Bangkok Bank

V,
PermataBank YP

Bangkok Bank Bangkok Bank Bangkok Bank Bangkok Bank fully Bangkok Bank
acguired 89.124 completed Indonesia Branch — participated in the fulfilled IDX
of Permata Banks Mandatory Tender integrated with Rights Issue of Regulation on
shares Offer (MTO) and Permata Bank, Permata Bank IX minimum free float
the ownership making Permata share reguirement
increased to Bank a commercial and returned the
INK bank with the ownership in
strongest capital Permata Bank to
ratio in Indonesia 89.124

PT Bank Permata Tbk

Permata Bank Permata Bank
introduces its new 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

FY2024 - Management Highlights | 7

9 Permata Bank Permata Bank Rebranding

9 Bangkok Bank 9 Permata Bank

Strategic Alignment Stronger Identity Growing Together

As part of Bangkok Bank, Permata Bank Permata Bank introduces anew logo that With aspiration and spirit of “Growing
aligns its strategies and business reflects its position and image to have Together” with customers and partners,
operations in accordance with the Bank's wisdom, resilience, and strength in Permata Bank positions itself as a local
Business Plan, which is based on providing leading services and being a bank with a regional vision and a global
prudential principles. trusted partner for its customers. network.

PermataBan Y PermataMobilex 9 Permata Bank 0 Permata ME
Before Company After Company ME,
Logo Change Logo Change

PermataBan NY Permatae-Business 9 Permata Bank 9 Permata e-Business
PeB

Syariah Uni: ooh Syian

PT Bank Permata Tbk FY2024 - Management Highlights | 8

Permata Bank Modernization in Banking Experience

Existing Branches Renovated into Modernized Branches

NN 111

Digital Treatmen!

PT Bank Permata Tbk FY2024 — Management Highlights | 9

Permata Bank

Permata.

PT Bank Permata Tbk

Mobile Banking Permata ME

Constant
Innovation

Apply for any financial product online

Aooessible, 2 F »

Peang , Aglanceis

pekan allittakes
1 c

Ekganis aa Enny, Earn Permata Poin from every

Practical in the Dark . . .
transaction & redeem the points into

vouchers or use it for AR payment

Elevated
Experience

Access exclusive rates on inter-account
transfers within Permata Bank

N | Rewards Enhanced
(3 onEvery Smoothness
Transaction
Ettortless seoutifuly |
JI

Banking

HA

ag is now available for foreigners

Account opening through Permata ME

Breathaking
Performance

Transfer funds to various currencies
with competitive rates

Other features include :

“  Instantly calculate exchange rates and manage international transactions with ease

“  @Rtransactions 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.
FY2024 — Management Highlights | 10

Permata Bank

Permata Bank

New look for FN
better experience New look Permata

eBusiness

Permata eBusiness will come
with fresher & cleaner interface

Permata eBusiness
Brings a modern makeover designed

to enhance your journey Su pport large volume
n |)

PT Bank Permata Tbk

AN

New Permata eBusiness

Instant notifications and Access real-time account
transaction confirmations movements

New look to enhance client experience and engagement

Comprehensive account holding information with instant
notifications and transaction confirmations

Access real-time account movements for ease of transaction
tracing and liguidity management

Various Host-to-Host and file upload capabilities to support
large volume transactions

Intelligent online payments accommodating domestic and
international transfers, tax settlements bill payments, and more

FY2024 — Management Highlights | 11

9 Permata Bank

Shareholder (X)

Bangkok Bank Public
Company Limited
89A2K

Asof
31 Dec 2024

Public

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 89.124 from previously 98.716.

PT Bank Permata Tbk

10.884

Shareholder Composition

Fulfillment of Bangkok Bank's Shares Refloating Obligation

Bangkok Bank

Jaan
Ka
—
maa
——
—
an
Pa
Pa
ah
ba
Pa
—
” Bia

FY2024 — Management Highlights | 12

9 Permata Bank Sustainability Strategy

Priority Area of Sustainability

Sustainable Financing 5 Sustainable Procurement

Sustainable Product / Solutions Sustainability Learning

Diversity, Eguity, and Inclusion

Climate Change Related Risk (DEI)

Net Zero Emission (NZE)
for Banking Operations

Green and Social Impact
for Communities

ON »

PT Bank Permata Tbk FY2024 — Management Highlights | 13

9 Permata Bank

2025 Economic Outlook
Macro & Banking Industry

o Permata Bank

Global Risks on Economy & Financial Market

Chino's “slower-for-longer' economy
may affect Indonesia's external
balance and stability, while also

heightening risk-averse sentiment in

capital markets.

Trump's inward-looking policies
introduce further global uncertainty
on US fiscal policies, Trade War 2.0,
and “high-for-longer FFR, leading to

strong US Dollar and outflow from

EMs.

Ongoing geopolitical conflicts,
particularly in the Middle East,
European region, China-Taiwan, US-
BRICS, etc. continue to fuel global
uncertainty.

PT Bank Permata Tbk

2025 Economic Outlook | 15

9 Permata Bank Macro Highlights

Economic Growth, 76 Manufacturing PMI & Retail Sales

,
'
'
'
5.2 53 1
5.0 49 50 51 5.0 5.0 5.0 ' —— Manufacturing PMI (LHS) —— Retail Sales Index (RHS)
| 55 300
3.7 !
1 250
'
! 200
'
' 150
'
' 100
'
CJ 50
H
21 ' 0
s 2 2 » 2 ka) s s NI 3 a
PS a A 2 3 2 g ad FS Si a 1
'
mama nana nana anna pannnananananananananananananananananananananananananananananannnnnn
' .
Trend of Rupiah in 2024 18 Bi-rate Determinants -4
16,800 ! 7 mmm Indonesia's Inflation (26 yoy) -Ihs BI Rate -Ihs
16,600 16,450 ' —— FR -Ihs ——CA Balance (44 of GDP) -rhs -3
16,400 1.6
a 16200 1.5 a
8 16,000 ! 8
s "R4
& 15,800 / 5
xx 15,600 16,102 La 8
2D 15,400 1.2
15,200 '
15,000 15100 w1
14,800 0
8 8 $ 8 8$ $ 3 3 3 $ 8 $ 8: $ 8 £ 8 8 8 3 $$ 8
H

PT Bank Permata Tbk Source: Bank Indonesia, Statistics Indonesia, & Bloomberg 2025 Economic Outlook | 16

9 Permata Bank

Loan Growth, 2YoY

Banking Industry

Deposit Growth, 96 YoY

Non Performing Loan, 4

Dec-22

114
24
10.4 10.4 2.2
(9 Permata Bank Persara na Bank 21
89K “2
N 2 3 3 Ki Ss Z 3 a si 3 3 2 2 a a a a A Fs a a a N z s 3
p 5 £ & & 5 z & 9 pi 5 & & 6 5 £ & 9 9 5 £ & 8 5 £ 2 6
8 8 3 8 8 $ 35 38 8 8 8 3 8 8 8 3 8 8 8 8 3 8 8 $$ 3 3 8
-to- i 4 Y 5 - .
Loan-to-Deposit Ratio, Yc Net Interest Margin, 4 Capital Adeguacy Ratio, 4
88.6
277
49
83.8
8 267
257

78.8 46

9 Permata Bank Permata Bank 9 Permata Bank

8274 431 34.7
5 £ & & 5 £ & 4 6 5 z 2 & 5 : & 6 9 5 £ & 6 5 £ &
2 3 8 38 3 3 3 8 8 38 3 3 8 8 3 3 8 8 8 3 8 8 82 3 3 8

PT Bank Permata Tbk

Source: Bank Indonesia, OJK, & Permata Institute for Economic Research 2025 Economic Outlook | 17

9 Permata Bank PIER's Economic and Market Forecast
As of 28 February 2025

1025F 2025F 3025F 4025F 25F 2026F 27F

221)

2219)

R10-year Bond Yield (96)

ed Funds Rate (4

PT Bank Permata Tbk 2025 Economic Outlook | 18

Source: Bank Indonesia, OJK, & Permata Institute for Economic Research

9 Permata Bank

Full Year 2024
Financial Performance

9 Permata Bank Strong Revenue Structure and
Sustainable Profit

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

AA 1.07e vov AA 380 Y0y .
' 3.6 |
! 26
— Total Revenue 1.3 |
0.8 0.7 0.8 :
Non-Interest Income 0.4 |
| 5.092 vov 4023 1024 2024 3024 4024 ' FY23 Fv2a |
Pre-Provision Operating Profit
Net Interest Income (Rp trillion)
Ak 3.74 0x

30 30 30 32 30
05 05 05 06 03

26 25 25 26 26

4023 1024 2024 3034 4024 1 FY23

4023 1024 2024 3024 4024 1 Fv23 FY24 ,

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2024 -— Financial Performance | 20

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

Net Interest Margin — NIM Return On Assets - ROA
Ce) (26)
Y 13bpsvoy — , A 48bpsyoy ,

LAI 43K 434

LO

1.54
Oma

1796 168 1181

Dec-23 Mar-24 Jun-24 Sep-24 | Dec-24 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 |
Loan to Deposit Ratio - LDR Cost to Income Ratio — CIR
(76) (26)
Ak 7.996 Yov Gen Y 159 yoy AAS N

82.04 816 82746

Dec-23 Mar-24 Jun-24 Sep-24 Dec-23 Mar-24 Jun-24 Sep-24

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2024 -— Financial Performance | 21

9 Permata Bank Consistently Applying
Balance Sheet Optimization

Total Assets Total Deposits
(Rp trillion) (Rp trillion)

A 06K Yoy Y 154 yoy

: | 188.3 : 1855 — i
2574 | 259 | Total Deposits

| CASA Ratio (96)

IL Casa

| 11.096 yoy

Time Deposits

“| 2196yov
Dec-23 | Dec-24 | Dec-23 | Dec-24 1

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2024 - Financial Performance | 22

9 Permata Bank

Total Loans
(Rp trillion)

Ogah

PT Bank Permata Tbk

Growing Loan Disbursement with

AA 89K Yov

Pong | — Total Loans

142.2 |. — Others Conventional,

| | 2.94 yoy 83AK

—— Corporate

79 112.45 yoy
| —— Consumer

429 Hang yo
| 20.5 | Commercial
: i 1614 yoy

Dec-23 | Dec-24 '

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

Diversified Portfolio

Loans Composition
(22)

As of
31 Dec 2024

Sharia,
16.94

FY2024 - Financial Performance | 23

9 Permata Bank Diversified Loan Portfolio »

Corporate Loans

Corporate Loans Corporate Loans Compositi
(Rp trillion) (76)
Continue to deepen the potential of ecosystem

partnerships and develop the best solutions to meet
customers' financing needs

Revolving
Loans
33.245

Term Loans
88.9 60.54

As of
31 Dec 2024
rade Loans &
Dealer
Financing

ya

Others"
3.54

Dec-23 Dec-24

mTerm Loans mMRevolving Loans m Trade Loans and Dealer Financing Others“

Note: "Others include Overdraft and Interbank Financing
PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2024 - Financial Performance | 24

PT Bank Permata Tbk

9 Permata Bank

Commercial Loans
(Rp trillion)
Strengthen the potential of ecosystem partnerships
and grow high guality credit

20.5

19.3

Dec-23 Dec-24

mTerm Loans MRevolving Loans M Trade Loans and Dealer Financing # Others"

Diversified Loan Portfolio »

Commercial Loans

Commercial Loans Composition
(22)

Revolving Trade
Loans Loans &
38.94 Dealer

Financing
10.846
As of
31 Dec 2024
Others"
Term Loan 19.746

30.64

Note: "Others include Overdraft and Interbank Financing

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

FY2024 — Financial Performance | 25

9 Permata Bank Diversified Loan Portfolio 3

Consumer Loans

Consumer Loans
(Rp trillion)

Mortgage as the main driver of Consumer loan,
focus on primary market and strengthen
partnership with main developers

Consumer Loans Compositi
(22)

Joint Financing

447 10.646

42.9

SME &
EBB
14.0

As of
Mortgage 31Dec 2024

65.046

Credit Card
454

Personal Loan
5.94

Dec-23 Dec-24

m Credit Card m Personal Loan M Joint Financing # Mortgage # SME & EBB

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2024 — Financial Performance | 26

9 Permata Bank Loan Diversification in Various Industrial Sectors

Loan Based on Industry Sector Dec-24 Growth Ana Mean
(Rp trillion) YoY (22) (25)
Personal Loan for Housing and Automotive 37.9 39.3 3.74 2544
Manufacturing 24.8 30.2 21.740 19.546
Wholesale & Retail Trading 15.7 14.0 10.546 9.046
Other Services " 18.0 19.0 5.54 12.34
Financial Intermediaries 12.4 141 13.94 9AK
Construction & Real Estate 7.9 9.2 1696 5.94
Mining 14.0 12.9 AKA 8.34
Others "“ 1.5 161 40.446 10.44
Total 142.2 154.9 8.946 100.04

“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 FY2024 - Financial Performance | 27

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 0.846 YOY (Gross NPL) Well-Maintained Above »30046

375.54

1
1
1
1
1
1
1
9 | Net NPL 9,
0.496 Lo 030 288.AK
1
' 1
' 1
' 1
' 1
2.9
' 1
1
| Cost
! of Credit"
1
' 1
' 1
! Gross NPL
1
: 1
Dec-23 1. Dec-24 |
PT Bank Permata Tbk Source : Published report, ratios are calculated using Bank Only Statements FY2024 - Financial Performance | 28

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

9 Permata Bank Well Maintained LAR and LAR Coverage

Loan At Risk — Loan At Risk —
LAR (Rp trillion) LAR Coverage Ratio (F2)

Y 184 yoy Ak 3.016 Yov

8.74
5 LAR/Total Loan —— 120 !
12.4 12.2 $.— TotalLAR
A1 3.2 NPL
| ! J 22AK YOY
4.6 64 Po Col.2
1 37.076 yoy
15 | 28.086Y0y
Dec-23 Dec-24 8

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2024 -— Financial Performance | 29

9 Permata Bank Manageable Third-Party Funds (Deposits)

Corporate Deposits
(Rp trillion)

Y 454 yoy
59.8 P 57A $ TD
21.6 201 7.02 vov
382 Po CASA
| ! | 349 yoy
Dec-23 & Dec-24 a
Consumer Deposits
(Rp trillion)
MA 16?6yoy
105.3 (01070
| TD
51.8 52.4 PAK yoy
53.5 | — CASA
: 1 214 yov
Dec-23 N Dec-24

Commercial Deposits
(Rp trillion)

Y 776Y0v
HI "
23.2 21.4 TD
1.3 i 10.5 ' | 7496 yoy
19 | MEKOSENI — casa
1 : o
Dec-23 N Dec-24 8 | 8.396 vov
Deposit Composition
(26)
Consumer Corporate Sharia
5779 — 16.64
Asof Asof
31 Dec 2024 31 Dec 2024
Commercial Conventional
1.54 83.4Y

PT Bank Permata Tbk Source : Published report, numbers are calculated using Bank Only Statements FY2024 - Financial Performance | 30

9 Permata Bank Maintaining Strong Capital with Liguidity Ratio
Well Above Minimum Reguirement

Liguidity Coverage Ratio — LCR Return On Eguity — ROE

(2) (26)
Ak A6 YOY 55. | A17 70Y01 |
335.64
5.53
Dec-23 | Dec-24 | Dec-23
Net Stable Funding Ratio - NSFR CAR, Tier-1 & CET-1
(2) (26)
Y 9816rov 3 pn »
138.346 35.34 34.346 | 3479 33.64
37 , ! ! . |
1 12854 | CAR
H | mCET-1 26.976 | 26.4X,
Dec-23 P Deo24 | Dec-23 ! Dec-24 /

Note: LCR is calculated guarterly basis

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

FY2024 — Financial Performance | 31

9 Permata Bank

Strong Capital to Support Future
Business Growth

Capital & CET-1 Total Cash Dividend
(Rp trillion) (Rp billion)

II
35.4 37.4

Dec-22 Dec-23

On 3 April 2024, Permata Bank held an Annual
General Meeting of Shareholders (AGMS) and
approved the distribution of cash dividend of
Rp 904.5 billion (representing Rp25 per share)
to shareholders for the financial year ended 31
December 2023.

PT Bank Permata Tbk

117.396 yoy
Total Capital

WAY

Jk 66.796 yov

saat 25 9 Bangkok Bank
Ia Et

904.5 As the Controlling Shareholder of
Bank Permata, Bangkok Bank is

542.7 committed to providing full support
for the long-term growth of Permata
Bank to become one of the Largest
Commercial Banks in Indonesia
2022 2023

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.

9 Permata Bank

FY2024 — Financial Performance | 32

9 Permata Bank

About
Permata Bank

9 Permata Bank

PT Bank Permata Tbk

Chartsiri Sophonpanich
President Commissioner

Education

Masters in Management from the Sloan School of Management,
Massachusetts Institute of Technology, United States

Masters in Chemical Engineering from the Sloan School of
Management, Massachusetts Institute of Technology, United
States

Bachelors degree in Chemical Engineering from Worcester
Polytechnic Institute, United States

Experience

Member, Board of Trustees Bangkok University (2009-2022)
Member, National Economic Reform Committee (2017-2020)

Niramarn Laisathit
Commissioner

Education

Master of Business Administration, majoring in Finance from
Saint Louis University, United States

Bachelor of Engineering, majoring in Industrial Engineering from
Chulalongkorn University

Experience

Senior Executive Vice President, in charge of Light Industry,
Energy, Conglomerate 3, Trading, Service Industry, Sugar
Industry, Automobile and Heavy Eguipment, Textile and
Garment, Multinational 1, Multinational 2, Chinese Corporate,
Special Business, Chemical and Petrochemical 1, Chemical and
Petrochemical 2, Corporate Banking, Bangkok Bank Public
Company Limited (2024)

Board of Commissioners

As of1 January 2025

Chong Toh
Commissioner

Education

“ Master of Science in Management from the Massachusetts
Institute of Technology

“ Bachelor of Arts in Philosophy, Politics, and Economics from
Oxford University

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

“ Master of Science in Industrial Management from the
University of Dallas, United States

“ Bachelorof Engineering from Michigan Technological
University, United States

Experience

“ President Director of Permata Bank (2021-2022)

“ Commissioner of Permata Bank (2020-2021, since 2022)

“ Executive Advisor, Bangkok Bank Public Company Limited —
Indonesia (2019-2020)

FY2024 - About Permata Bank | 34

9 Permata Bank Board of Commissioners

As of 1 January 2025

Goei Siauw Hong
Independent Commissioner

Haryanto Sahari
Independent Commissioner

Education

«Engineer majoring in Agronomy/Agricultural Cultivation from
the Bogor Agricultural Institute

“ Master of Business Administration (MBA) majoring in Business/

Education
“ Bachelor of Economics majoring in Accounting from the
University of Indonesia

Experience Finance and Marketing from Indiana University, Bloomington,
“Member of the Audit Committee at the University of United States

Indonesia (2016-2024)
“Chair of the Audit Committee of PT Bank Permata Tbk Experience

(2019-2023) “ Independent Commissioner of PT Bank Mandiri Tbk (Persero)
“ Member of the Permata Bank Integrated Governance (2015-2019)

Committee (2020-2022) “ Head of Research at Nomura Indonesia (1999-2001)
Yap Tjay Soen Riswinandi

Independent Commissioner Independent Commissioner

Education
“ Bachelor of Economics from Trisakti University, Jakarta

Education
“Master of Business Administration (MBA) from McGill
University, Montreal, Canada

“ Bachelor of Engineering, from McGill University, Montreal, Experience
Canada “ President Commissioner/Independent Commissioner of PT BNI
e - 5 Sekuritas (2022-2023)
Experience “ Chief Executive of Non-Bank Financial Industry Supervision
“ Senior Advisor in IRAI (Independent Research & Advisory (IKNB) concurrently as a Member of the Board of
Indonesia) (2019-2022) Commissioners of the Financial Services Authority (OJK)
“ Commissioner of PT KB Finansia Multi Finance (2019-2020) (2017-2022)

“ Independent Commissioner of PT Putra Mandiri Jembar Tbk
(2019-2020)

PT Bank Permata Tbk FY2024 -— About Permata Bank | 35

Board of Directors & Executive Officers (Chiefs)

As of 1 January 2025

Permata Bank

Meliza Musa Rusli
President Director

Abdy Dharma Salimin
Technology Director

Education
“ Bachelor of Commerce from the University of Toronto, Canada

Education

“ Master of Business Administration from the University of
Melbourne, Australia

“ Bachelor of Engineering in Electrical Engineering from the
University of Indonesia

Experience
“ Global Technology Head for Retail Banking of Standard
5 7 Chartered Bank (2015-2016)
Experience — : “ Global Product Engineering Head for Wholesale & Retail
“ Deputy President Director at Permata Bank (2022) Banking of Standard Chartered Bank (2013-2015)
“ Chief of Group Digital Strategy and Chief of Corporate
Development at PT Astra International Tbk (2021)
“ President Director of PT Astra Digital Arta (2020-2021)

Dhien Tjahajani Djumariah Tenteram

Legal & Compliance Director Consumer Banking Director

Education Education

“Master of Business Administration from Edith Cowan “ Bachelor of Accounting from Nommensen University,
University, Perth Medan

“ Graduate Diploma in Business at Curtin University of
Technology, Perth Experience

“ Bachelor of Laws from University of Sebelas Maret “Head of Wealth Management, Retail Liability Products &

E-Channel of Permata Bank (2013-2018)

Experience “ GM, Integrated Distribution, GM, Priority & International
“ Legal and Compliance Director, Independent Director and Banking, Personal & Preferred Banking: GM, Shared
Corporate Secretary of PT Bank Maybank Indonesia Tbk Distribution: GM, Wealth Management, Segment and
(2014-2018) Marketing, and Branch Manager at Standard Chartered
“ Compliance Director at PT Bank Commonwealth Indonesia Bank (2003-2013)

(2011-2014)
PT Bank Permata Tbk FY2024 — About Permata Bank | 36

9 Permata Bank Board of Directors & Executive Officers (Chiefs)

As of1 January 2025

Dayan Sadikin Setiatno Budiman

People and Culture Director Risk Director

Education Education

“Master of Commerce (Advanced Specialization in Human “Master of Business Administration (MBA) from Oklahoma City
Resources Management) from the University of New South University

“ Bachelorof Engineering in Civil Engineering from
Tarumanagara University

Wales, Sydney, Australia
“ Bachelor of Social Affairs in the Department of Sociology from
the University of Indonesia
Experience
“ Chief Credit Officer of Permata Bank (2020-2022)
“ Senior Credit Officer - Credit Risk at Permata Bank (2019-2020)
» Senior Credit Officer at Permata Bank (2016-2019)

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 and Sharia Business Unit Director

Eddie Sajoga
Branch Network Director

Education
“Master in Management from Prasetya Mulya Business School
“ Bachelorof Science from California State University, Los

Education
“ Bachelor of Economics from Atma Jaya University Yogyakarta

Angeles Experience
. “ Chief of Branch Network Permata Bank (2023 - 2024)
Experience . CI V “Head of Network Permata Bank (2012-2022)
“ Chief Finance Officer of Citibank (2021-2023) «Head of Region Jakarta Permata- Bank (2008-2012)
» Senior Vice President of PT GoTo Gojek Tokopedia Tbk
(2020-2021)

“ Senior Vice President of Citibank (2017-2020)

PT Bank Permata Tbk FY2024 - About Permata Bank | 37

Permata Bank

PT Bank Permata Tbk

Evi Hiswanto
Corporate Banking Director

Education
“ Bachelor of Economics-Finance, University of Sydney,
Australia

Experience

“Division Head Corporate Banking 2 at Permata Bank
(2018 — 2024)

“ Head Corporate Banking III & Syndication Department at
Bank ICBC Indonesia (2016 - 2018)

Henry Widjaja
Chief of Commercial Banking

Education

“ Master of Management in Strategic Management,
Tarumanagara University, Jakarta

“ Bachelorof Economics, Widyatama University (Formerly
STIEB), Bandung

Experience

“ Head of Credit Audit and Data Analytics Division at
Permata Bank (2017 - 2024)

“ Group Head Credit Audit and Data Analytic at Bank
Danamon (2006 - 2017)

Board of Directors & Executive Officers (Chiefs)

As of 1 January 2025

Nithawadee Limpodom
Chief of International Business
Development & Advisory

Education
“ Master of Business Administration from the University of
Wisconsin, Madison, United States

Experience

“ Executive Vice President of Bangkok Bank Public Company
Limited (Mar 2020 — Nov 2022)

“ Executive Vice President of Bangkok Bank Public Company
Limited (Mar 2018 - Feb 2020)

Suryadi Ong
Chief of Treasury

Education
“ Bachelor of Electrical Engineering, Bandung Institute of
Technology

Experience

“ Head of Rates and Currencies Trading Citibank N.A., Indonesia
(January 2019-—July 2023)

“ Country Treasurer Citibank N.A., Indonesia (Jan 2017-Jul 2023)

“ Head of Markets Treasury Citibank N.A., Indonesia (Nov 2013-
Jul 2023)

FY2024 - About Permata Bank | 38

Permata Bank

PT Bank Permata Tbk

Dony Fabian Suratno
Chief of Internal Audit

Education

“ Master of International Business from the Macguarie
University, Australia

“ Master in Management from the Binus Business School

“ Bachelor of Economics, majoring in Accounting from the
University of Indonesia

Experience

“ Division Head, Head Office Audit, PT Bank Permata Tbk
(Jan 2020 — Nov 2024)

“ Senior Vice President-Group Head Audit Transaction
Banking, Risk Management, Treasury, & Product, PT Bank
CIMB Niaga Tbk (2016 — 2019)

Mujur Tandi
Chief of Operations

Education
“ Bachelor of Industrial Engineering, Bandung Institute of
Technology

Experience

“ Division Head, Retail Banking Operations, PT Bank
Permata Tbk (2022 — 2024)

“ Interim Compliance Director, PT Bank ANZ Indonesia
(2020 — 2021)

“Operations Director, PT Bank ANZ Indonesia (2018 —
2022)

Board of Directors & Executive Officers (Chiefs)

As of1 January 2025

Katharine Grace
Chief of Corporate Affairs & Sustainability

Education

Lex Legibus Magister (LL.M), @ueen Mary University of London
Bachelor of Laws, University of Indonesia

Experience

Division Head Corporate Secretary & Sustainability PT Bank
Permata Tbk (2010 — 2024)

Division Head Corporate Secretary PT Bank Permata Tbk (2010
— 2024)

Senior Associate Hadiputranto, Hadinoto and Partners Legal
Consultants Office (1996 — 2010)

FY2024 - About Permata Bank | 39

9 Permata Bank Permata Bank At-a-Glance

PT Bank Permata Tbk

Year Established

1955 Business Segment Total Employee
Listed at IDX Consumer Banking 2 6,800

1990 Corporate Banking

Stock Code Commercial Banking

BNLI

Shareholders
Bangkok Bank - 89124
Public — 10.886

Product & Service
Conventional
Sharia

Total Customer
? 6.2 Million

Total Asset Corporate Rating
illi PEFINDO — idAAA
Han (Outlook Stable) Market Leading Digital
Market Capitalization Moodys - Baat Capabilities
Rp34 trillion (Outlook Stable)

FY2024 - About Permata Bank | 40

Innovation to Serve Customers Better

Permata Bank

Mobile electronic banking services Customer's business solution in The latest internet banking service | The system that integrates

that offer Customers access to making direct payments via mobile innovations for an easy and Customer's platform to be directly
various products and features of the phone personalized banking transaction connected with Permata Bank for
bank's transactions experience through website various banking activities

The internet-based electronic The web-based banking solutions to Business solutions for making ATM with complete facilities for
banking services to fulfill the needs of make the transaction easier and paymentis using credit cards, debit banking transactions whenever
online business transactions faster between Suppliers and Buyers cards, and mobile phone needed

PT Bank Permata Tbk FY2024 - About Permata Bank | 41

9 Permata Bank |. Top 10 Banks in Indonesia
with National Banking Coverage

y) 242” 827 20,000- Latest Modernized Branch
Cities Presence Network Offices ATMs Indomaret Channels Launched

Sumatera 21 Kepulauan Riau 3 Kalimantan 10 Sulawesi 6
Conventional 18 Conventional 3 Conventional 8 Conventional 5
Sharia 3 Sharia 2 Sharia 1

2 DA a rena ta.
»“

“

Bangka Belitung 1 Jawa 153 Bali 10 Lombok 1
Conventional 1 Conventional 142 Conventional 10 Conventional 1
Sharia 1 Thamrin Uluwatu
Jakarta (Sep 2024) Badung (Sep 2024)

“Network Offices include 205 Branches (Conventional & Sharia) listed in above map, Regional Office and Functional Office
PT Bank Permata Tbk FY2024 — About Permata Bank | 42

9 Permata Bank Newest Credit Card Product Launch

Permata Ultimate Card

Gateway to Explore
The Exguisite Japanese Lifestyle

Be —
Low Miles Conversion Rp5,000 retail 8x Complimentary Access to World's Japanese Lifestyle-Theme Merchant Free Annual Fee for Priority Customers,
dining transaction for 1 Airline Mile Best Airport Lounge with LoungeKey Promo All Year Long both Basic and Supplement cards
Welcome Bonus Program Top Spender Program
Total 50
Kesane Ea Free Return Ticket Jakarta-Tokyo

20,000 Airline miles' Business Class"

“With minimum accumulated retail iransaction total of Rp75 million for 3 months from card's activation date and each month must have
minimum txretail transaction (any amount)

“For 50 customers with highest retail spending since card's activation date until 31 January 2025 (transaction date), Eligible customer must
meeta minimum total Rp160 million retail spendingby endof period

“#Further T&C available at www.permatabank.com
43

PT Bank Permata Tbk FY2024 — About Permata Bank

9 Permata Bank Newest Debit Card Feature Launch

Permata Global C

Free Conversion Rate to explore the world
A combination of convenience and freedom in one card

MARTEN

s3

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 Progr

Free cash withdrawals from each Permata ME
Saver foreign currency account for the first 3
transactions/month

Applicable for Personal, Preferred, Priority, and Private segments with the card examples
shown above

Starting from the 4""transaction, a fee eguivalent to IDR 25,000
pertransaction applies for overseas ATMS.

PT Bank Permata Tbk FY2024 - About Permata Bank | 44

9 Permata Bank

7 Infobank Satisfaction, Loyalty, and Engagement Awards

2024:

“ Top 4" Rank KBMI 3 Bank in Satisfaction, Loyalty, &

Engagement 2024
- The2”d Strongest Customer Engagement KBMI 3 Bank
“ The 2nd Most Satisfying KBMI 3 Bank in CustomerService
“  The3' Most Satisfying KBMI 3 Bankin Teller Service
“The 3d Most Satisfying KBMI 3 Bank in Services

Awards & Achievemenits «»

h
Permaratiail

PermataBank Mengukir Tiga
Penghargaan Asia Pacific

Stevie Awards 2024

Asia- Pacific Stevie Awards 2024:

“ Innovation in Paid Media Planning & Management -

Aoa

ANALYST FORECAST AWARDS 2024
MORECASTER “Indonesia Fuca Balance
Bank Permata

Analyst Forecast Awards 2024
Permata Institute for Economic Research (PIER) won
the Best Forecaster - Indonesia Fiscal Balance

PermataBank's Surviving The Red Ocean of Digital Saving PermataBank
Competition Conventional
“Innovation in Content Marketing/Branded Editorial - Winning The Banking
Audience Through Kindness & Blessing (Ramadan Campaign
Series)
“Innovation in Brand Renovation/Re-Branding - Unlocking Travel
Dreams: PermataBank and AirAsia's YokBerangkat Campaign
PermataBank
Best Banks Sharia Business
Unit

in Asia 2024

Most Active Banks for
Electronic FX Trading
Platform - LSEG

FORBES Magazine
World's Best Bank 2024
in Asia 2024

January - December 2024

Infobank Banking Service Excellence 2024 :

TITANIUM TROPHY - 20 Consecutive Years in
Service Excellence

PLATINUM TROPHY -10 Consecutive Years in
E-Banking

GOLDEN TROPHY - 5 Consecutive Years in
Digital Banking

The Best Teller (2nd Place)

The Best Customer Service (2”4 Place)

The Best Walk-In Channel in Service
Excellence (2”4 Place)

The Best Website (24 Place)

The Best Call Center (2”4 Place)

TITANIUM TROPHY - 15 Consecutive Years in
Service Excellence

The Best in Service Excellence (1' Place)

The Best Kenyamanan di Kantor Cabang (1s
Place)

The Best Overall Walk-In Channel (1st Place)
The Best Customer Service (1"' Place)

The Best ATM (15' Place)

The Best Security (Is Place)

The Best Teller (2”4 Place)

PT Bank Permata Tbk

FY2024 - About Permata Bank | 45

9 Permata Bank Awards & Achievemenis »

Building Agility and
Work Experience Towards
Future-Ready Organization

The 15th Indonesia HR Excellence
Conference & Awarding 2024

" Excellent Predicate in the Learning & Development and Properti Indonesia Awards 15th IICD CG Conference and Awards FINASTRA
Knowledge Management category (PIA) 2024 “Best Financial Sector” and re-entered the Top Recognition of Championing
"Good Predicate in the Employer Branding & Talent Favorite Mortgage Bank 50 Issuers with the Largest Market Innovation & Ecosystem Growth in
Acguisition category Capitalization (Big Cap Listed Companies) Corporate Banking

3 | infobank 1 :

sd (5 Jawa Pos

» - 29” 1977
—INFOBANK OST
». OPULA
p

BRAND

OF THE YEAR 2024

y,

Pusat Pelaporan dan Analisis

The 29th InfoBank Award Fortune Indonesia Magazine Jawa Pos Media Transaksi Keuangan (PPATK)
Golden Trophy Excellent Performance in Fortune 100 - Indonesia's 7 Most Popular Best Financial Integrity
Five Consecutive Years Biggest Companies 2024 Brand of the Year 2024 Rating (FIR) in KBMI 3

PT Bank Permata Tbk FY2024 - About Permata Bank | 46

0414-2024 CSER Permata Hati Achievements

Permata Bank

82 686 t8.5K 39 #106K

Strategic Partners Schools & Communities Student Scholarships

PERMATA 985 PERMATA , Oz,
B R AVE BANKIR SD

@ CILIK Se
Continuous vocation class programs for Financial literacy program for elementary
persons with disabilities in the fields of and special schools students to create

financial literacy, UMKM Empowerment, Saving Ambassadors who are able to

and provide prosthetic leg devices. spread good habits of saving from an
Currently, there are 20 disabled staff early age to their surroundings.

working at Permata Bank.

Total Beneficiaries

Content Creator & Social Media Specialist,
Inclusif Vocational Class in Jogjakarta

PERMATA

ET N K : #DenganHati
Y T,
Perimataian Y Oa untuk Bukit Tigapuluh CERITA

Untk 1 . i
An ecosystem conservation project, The employee volunteerism movement,

BwstT y i i
Vii Gal! ) collaboration with WWF Indonesia, to protect — the foundation of the PermataHati CSR
Sumatran Elephants in Bukit Tigapuluh, program. Employees spread financial
Jambi. Program focuses on Reforestation: literacy simultaneously in 20-50 cities,

involving around 600 Employee

Empowerment of Local Communities and S
Volunteers throughout Indonesia.

School Renovation.

PT Bank Permata Tbk FY2024 - About Permata Bank | 47

9 Permata Bank Balance Sheet

Dec-24

in Rp trillion Yoy

Marketable Securities
Other Assets

Deposits

- Time Deposits

Total Liabilities

Total Liabilities & Shareholders' Eguity

PT Bank Permata Tbk Source : Published Report, numbers are Calculated using Bank Only Statements FY2024 -— About Permata Bank | 48

9 Permata Bank Income Statement

in Rp billion FY2020- FY2021 FY2022 FY2023 Fy2022 “2024  CAGRS
YoY Years

' Net Interest Income 6,809 1,915 9,122 9,996 10,223 2.34 10.746

Operating Expense

Operating Profit

PT Bank Permata Tbk Source : Published Report, numbers are Calculated using Bank Only Statements FY2024 - About Permata Bank | 49

9 Permata Bank Financial Ratios

" Ji Dec-24
| al Ratios (in 96) AYOY (26)
CET- ratio

CASA Ratio

NPL Gross

Liguidity Coverage Ratio (LCR)

Note: LCR is calculated guarterly basis
PT Bank Permata Tbk Source: Published Report, ratios are Calculated using Bank Only Statements FY2024 - About Permata Bank | 50

Permata Bank Stock Information

Closing Price 29 December 2023 - 30 December 2024

IDX : BNLI
1,600 25,000,000
IDX : BNLI Dec-22 Dec-23 Sep-24 Dec-24
28-Mar-24, 975
1,400 30-Dec-24, 945 Price (Rp) 1,015 920 1170 945
20.000.000 PBV (x) 1.0 0.8 1.0 0.8
— Xx n .i & .i
2 1200 28-Jun-24, 890 —
a
Ka 2  P/E Ratio" 18 13 1 10
8 1,000 s
C 15,000,000 &
s Ea Mena 367 333 423 342
2 00 30-56p-24, 1170 2. Gerilion
s kata $ Book Value 37.6 40.0 421 426
8 29-Dec-23, 920 10000000 & (Rptrillion) : : " "
H 600 S8 bat
D
kel
5 £(Rptilion) 2.0 2.6 2.8 3.6
& 400 pss
5,000,000
(Rp/Share) 56 71 103 99
200
BVS
| | Ii | | | (Rp/Share) 1,040 1,105 1165 1177
00 pat Lha don Diana Mal bata. hot...
Dec-23 Mar-24 Jun-24 Sep-24 Dec-24
mess Trading Volume (Share) ee Closing Price
PT Bank Permata Tbk Source: 1) Bloomberg for Share Price, Volume & Outstanding Shares, 2) Company Publication for Book Value & PAT, FY2024 - About Permata Bank | 51

3) Company Analysis for Valuation Ratios

"8

SA UNA YA TA ea PeRSA PSA AA “———4

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|
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