20240314_BNLI_Public Expose_31596387_lamp2.pdf

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                            MEETING REPORT
                2024 PUBLIC EXPOSE & PRESS CONFERENCE
                         PT BANK PERMATA TBK

The 2024 Public Expose of PT Bank Permata Tbk ("Bank Permata" or the "Company") has
been successfully held on :

Day/Date                          :   Thursday, 7 March 2024
Time                              :   09.00 AM to 11.05 AM Western Indonesian Time
Name of Event                     :   PT Bank Permata Tbk
                                      2024 Public Expose & Press Conference

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

The following is a report on the 2024 Public Expose, followed by a press conference. In the
meeting, the Company was represented by the Board of Directors and guided by a moderator
from within Bank Permata.

Speakers and Moderator :

Speakers from Company Management
- President Director                           : Meliza M. Rusli
- Finance 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 Affairs
                                                 Bank Permata
Company Management Representative
- Corporate Secretary                          : Katharine Grace




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Public Expose Attendees :

Public Expose
The 2024 Public Expose was attended by :
• 45 registered participants that2 were physically present (onsite) in the Nusantara Room,
World Trade Center II, 21st Fl., Jakarta 12920
• 34 registered participants that attended electronically (online) via the zoom meeting
application, for which the zoom link was previously provided in the Announcement of
Annual Public Expose Planning, published 21 February 2024.

Press Conference
The press conference was attended by 18 representatives of journalists from both either local or
national printed and 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 2024 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 Company's Board of Directors, who were physically present from the
Nusantara Room and were accompanied by the Corporate Secretary.
2. President Director, Meliza M. Rusli opened the presentation by explaining the general
management overview.
3. Chief Economist, Bapak Josua Pardede, continued the presentation by explaining the latest
global and domestic economic developments.
4. Director of Finance, Rudy Basyir Ahmad, continued the presentation by explaining and the
full year 2023 financial performance.
5. Questions and Answers session were guided by the Moderator from the Company by
reading questions from both onsite participants and zoom participants, of which the latter
submitted their questions via the chatbox on the zoom application. The questions were then
answered directly by the relevant Directors.
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 zoom webinar :


1. Max (Individual Investor)
   a. Question        : How long Bank Permata forecast the uncertainty - higher for longer?
       Answer         :
       Answered by Josua Pardede as Chief Economist :
       Regarding the direction of the US Central Bank interest rate in particular, which we and
       the market have seen last year, the US Central Bank has quite large room for a
       reduction of 125 bps / 1.25%, but in line with the development of US economic data
       which still shows a solid trend, especially in terms of employment and inflation data, we
       have seen in the last few months that there has been a change in the direction of the
       Fed's interest rate, which previously had a fairly large decline, but recently both the
       market and the Fed estimate a decline of around 75 bps and if it was said higher for
       longer, this would probably last until the first semester of 2024.

       We saw that in the second semester of 2024, the decline is open because inflation
       conditions had actually decreased, but the US Central Bank is still waiting for
       confirmation of the next economic data, in the next few months to confirm the direction of
       the Fed's own decision which predicted in general, there will be room for a decrease of
       75 bps in this year, so the uncertainty of higher for longer will only be temporary, at least
       until the first semester of 2024.

   b. Question       : How much does the Bangkok Bank Group contribute both in terms of
      deposits and loans to Bank Permata?
       Answer         :
       Answered by Rudy Basyir as Finance Director :
       We can’t specifically provide the contribution of Bangkok Bank for both loans and
       deposits, but to give a bit of context, Bangkok Bank Group's total investment in Bank
       Permata is approximately 10% of Bangkok Bank Group's total assets.


2. Pambudi (Individual Investor)
   a. Question        : Will the new Bank’s program increase Bank Permata's banking ratios?
       Answer         :
       Answered by Rudy Basyir as Finance Director :
       For Permatabank, one of the main focus from the financial side is to continue
       maintaining financial ratios such as ROA, ROE and NIM. In 2023, we see many positive
       things from the ratios we have recorded. In 2024, one of our focus is to continue
       increasing or ensure the improvement and positive growth for these ratios, such as NIM,
       ROA and ROE.




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       One of the main strategies that we carry out is balance sheet optimization, which is one
       of our ways of ensuring that the ratios related to the balance sheet will continue to be
       well maintained in the future.

   b. Question        : How does the Company respond to interest rates that remain at 6%?
       Answer         :
       Answered by Rudy Basyir as Finance Director :
       High interest rates is a big challenge, especially in terms of interest rate competition in
       the market. We see that in 2024, BI's projected interest rate will decrease around 50%,
       so we hope that interest rate competition for this year will be better.
       Permatabank will continue to be prudent in disbursing credit and remain competitive,
       both in terms of interest rates and credit growth in accordance with the Bank's priority
       strategy.

3. William Giovanni (Individual Investor)
   a. Question      : Currently, public share ownership is only 1.29%, will Bank Permata have
      any corporate action plans in the near future to increase public share ownership?
       Answer          :
       Answered by Rudy Basyir as Finance Director :
       Permatabank has coordinated with the controlling shareholder, Bangkok Bank, regarding
       the fulfillment of free-float shares which are the result of a mandatory tender offer in
       2020. Permatabank has made measurable efforts to fulfill these provisions within the
       time period mutually agreed with the OJK and the Stock Exchange Indonesia, and has
       reported these developments regularly to the regulator.


Thus we submit this report. Thank you for your attention.

Attachment :
    A. Public Expose Attendance List
    B. Press Conference Media Attendance List




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