Company Presentation

First Half 2020

Financial Result

#MakingADifference

Disclaimer Laporan ini disusun oleh PT Bank Permata Tbk secara independen dan diedarkan hanya untuk tujuan informasi

umum. Hal ini tidak dimaksudkan untuk orang tertentu yang mungkin menerima laporan ini. Informasi dalam laporan

ini telah diperoleh dari sumber-sumber yang kami anggap dapat dipercaya. Tidak ada jaminan (tersurat maupun

tersirat) yang dibuat untuk keakuratan atau kelengkapan informasi. Semua pendapat dan perkiraan yang termasuk

dalam laporan ini merupakan penilaian kami pada tanggal ini dan dapat berubah tanpa pemberitahuan sebelumnya.

Kami tidak bertanggung jawab atau memiliki kewajiban apa pun tanpa pemberitahuan sebelumnya dari PT Bank

Permata Tbk dan / atau karyawan dan / atau agen mereka masing-masing yang timbul yang dapat dibawa atau

diderita oleh orang lain sebagai akibat bertindak atas dasar seluruh atau sebagian dari isi laporan ini. Baik PT Bank

Permata Tbk dan / atau perusahaan afiliasinya dan / atau karyawan dan / atau agennya masing-masing tidak

bertanggung jawab atas kesalahan, kelalaian dalam laporan ini dan setiap ketidakakuratan atau kelalaian yang

mungkin timbul.

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.

Presentation Content

3

PERMATA BANK IN BRIEF 2

MACRO ECONOMY UPDATES 1

BUSINESS UPDATE 4

FINANCIAL PERFORMANCE HIGHLIGHTS 3

OTHER INFORMATION 5

3.28%

3.49%3.00%

2.67%

1.96%2.0%

2.0%

4.0%

Jun

-19

Jul-

19

Au

g-1

9

Sep

-19

Oct

-19

No

v-19

Dec

-19

Jan

-20

Feb

-20

Mar

-20

Ap

r-2

0

May

-20

Jun

-20

Series1

Macro Economy

4

Decreasing interest rate to boost domestic growth

Rupiah is weakened since Feb-20, due to Covid-19 outbreak

Inflation Rate Drop below 2%

GDP growth contracting in Q2-20 (-5.32%) contributed by Contraction of

Household Consumption

low range target

high range target

6.00% 6.00%

5.50%5.25%

5.00% 4.75%4.50%

4.25%

Mar

-19

Ap

r-1

9

May

-19

Jun

-19

Jul-1

9

Au

g-1

9

Sep

-19

Oct

-19

Nov

-19

Dec

-19

Jan

-20

Feb

-20

Mar

-20

Ap

r-2

0

May

-20

Jun

-20

Jul-2

0

7 Days Reverse Repo rate

14,212 14,203

13,746

16,354

15,786 15,631

14,825 14,369

28

-Ju

n-1

9

28

-Ju

l-1

9

28

-Au

g-1

9

28

-Se

p-1

9

28

-Oct

-19

28

-No

v-1

9

28

-De

c-1

9

28

-Jan

-20

28

-Fe

b-2

0

28

-Ma

r-2

0

28

-Ap

r-2

0

28

-Ma

y-2

0

28

-Ju

n-2

0

USD/IDR

5.27% 5.17% 5.18% 5.07% 5.05% 5.02% 4.97%

2.97%

-5.32%

-7.00%

-5.00%

-3.00%

-1.00%

1.00%

3.00%

5.00%

Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2

2018 2019 2020

PermataBank in Brief

5

Year Established

Listing at the Bourse

Asset **)

Market Capitalization **)

Network & Branches **)

ATMs **)

Shareholders

Corporate Rating

Sub Debt Rating

Basel-III Sub Debt Rating

1955

Since 1990 at the Jakarta Stock Exchange and

Surabaya Stock Exchange (both merged and

now known as the Indonesian Stock Exchange

(BEI)

Rp 157,8 tn (consolidated)

Rp 35.6 tn

Total 309 Branches consist of :

• 69 Branch Offices (incl.14 Sharia Branches & 1 HO)

• 221 Sub Branch (incl. 4 Sharia Sub Branches)

• 19 Cash Offices (incl. 1 Sharia Services)

965 (incl. 19 sharia ATMs) and additional

access to >100,000 ATMs*

• Bangkok Bank Public Company Ltd

(89.12%)

• Public 10.88%

id AAA (Pefindo)

AA+(idn) (Fitch)

Baa2 (Moody;s)

id AA+ (Pefindo)

Id AA (Pefindo)

Bangkok Bank is the largest corporate bank in

Thailand, with Total Assets of ± US$ 123 Billion

and has more than 17 million customer

accounts with 1,200 branches nationwide

Bangkok Bank has the largest overseas branch

network of any Thai bank, with 31 overseas

locations in 15 nation, including China,

Cambodia, Hong Kong, Indonesia, Japan,

Laos, Malaysia, Myanmar, the Philippines,

Singapore, Taiwan, Vietnam, the United

Kingdom, and the United States.

Bangkok Bank has core presence in key

ASEAN market, leveraging on cross border

trade, capital, wealth and investment flow.

Bangkok Bank is aiming to become a leading

and well-diversified ASEAN regional bank.

Bangkok Bank has been in presence in

Indonesia since 1968 with deep understanding

of the Indonesian banking sector.

*) connected through Alto, Visa Plus, ATM Bersama, Master Card, Cirrus and Prima networks

**) as of June-20

Controlling Shareholders

6

PermataBank Growth Strategies

6

REVENUE: Grow customer (incl.

partnership), deepen relationship

(fee, cross-sell, value chain to

customer’s ecosystem), increase NIM

(e.g. pricing, unsecured lending,

CASA), drive BETTER

product/offerings

COST: Improve efficiency and

productivity: process, review

network/branch model, commercial

excellence

QUALITY: Manage risk appetite, risk

limits and underwriting criteria in

regards of Covid-19 impact.

A

Leverage capabilities and

increase collaboration with

Bangkok Bank: leveraging

international customers, product

skills and joint deals across

lending, transaction banking, FM

sales and ALM

Build new strategic partnership

& deepen relationship with

existing strategic partners with

innovative business models

Continue to deepen relationship

with Astra Group, and its

ecosystem across 7 industry

verticals and segment offering

(retail, commercial, corporate and

Syariah)

B

CREDIT: Create credit culture to

drive responsible growth, clear

governance and compliance

adherence

DIGITAL: Create and execute Digital

Roadmap (Customer experience,

Digitize sales, Tech/Ops, Agile

Operating model)

NETWORK: Revamp network and

review branch model (Lean branch

service, Lean branch model)

ORGANIZATION: Manage changes

across organization (people, culture)

EXPERIENCE: Improve Stakeholder

Experience (addressed complaints,

better process – lower TAT & service

delivery)

C

STRENGTHENING

FINANCIAL PERFORMANCE

STRENGTHENING

SYNERGY WITH

SHAREHOLDERS

STRENGTHENING

BUSINESS ENABLER

Financial Performance PermataBank focus on the penetration of high yield assets, while at the same time able to manage risk and risk-return reward.

Performance Highlights

8

• LOAN GROWTH – loan decrease by 3.1% (yoy) to Rp.103.7 trillion in June-20 in line with lower loan

demand due to the weakening global and domestic economies affected by COVID-19 outbreak. Bank

focuses on helping the affected debtors by conducting a loan restructuring and relaxation program in

accordance with OJK's direction.

• RESTRUCTURED LOAN – by the end of June 2020, the total application request for loan restructuring

and relaxation programs related to COVID-19 was approx. Rp 15.5 trillion (15% of the total loans in June

2020) of which 62% is already approved, 13% is still in process and 25% rejected by committee.

• THIRD PARTY FUND - Total third party fund grew by 11.4% to Rp. 124.5 trillion, which majorly was

supported by CA and SA growth of 14.7% and 6.7%, resp., led to an increase in CASA by 10.7%. CASA ratio

at 52% which showing that PemataBank continues to play an important role in supporting customers to

manage their business in difficult economic conditions.

• MANAGEABLE ASSET QUALITY WITH PRUDENT COVERAGE RATIO - The gross NPL ratio increased

slightly to 3.7% compared to June-19 at 3.6%, with the NPL-net maintained at 1.8% compared to 1.3% at

June-19. This was affected by COVID-19 outbreak to debtors' financial capability in almost segment

industries.

THE NPL COVERAGE RATIO WAS MAINTAINED AT 112% in the June-20 position in line with efforts to

improve credit quality that have been carried out and indicating the Bank's efforts to continuously mitigate

potential credit losses prudently.

Performance Highlights

9

• STRONG LIQUIDTY - Common Equity Tier 1 (CET-1) and Capital Adequacy Ratio (CAR) were strongly

maintained at 20.2% and 21.3%, resp., in Jun-20 increased compared to 18.4% and 19.8% in the same

period last year - far higher than the regulator’s minimum capital requirement. The capital ratio even

remained strong after incorporating the impact of the first implementation of PSAK 71 regarding the

provision for losses of financial instruments effective from Jan 1, 2020.

• REVENUE GROWTH – Pre Provision Operating Profit (PPOP) was recorded at Rp 1.7 trillion or grew by

24.2% (YoY) compared to the same period last year, which mainly was contributed by an increase in net

interest income of 12.1% (YoY) to Rp 3.2 trillion at the end of H1-20 and also Non-Interest Income increased

by 7.8% to Rp.990 billion. This improved NIM ratio to 4.5% or an increase by 38bps compared to the June-19

position of 4.2%. While the Fee Income to Income (FIR) ratio was maintained stable at 24.0%, a slight

decrease compared to the position in June-19 of 24.7%

Operational Costs is at manageable level with the Cost to Income Ratio (CIR) recorded at 58.7%, improved

significantly compared to last year's position of 62.8% and Dec-19 position of 61.6%.

Net profit was booked at Rp 366 billion or reduced by 48.5% compared to previous year. However,

Normalized profit after tax (excluding LI impact of COVID-19 and changing of income tax rates from 25% to

22%) was recorded at Rp.742 billion or increased by 4.4% compared to the same period last year.

Key Financial Highlights

10

Jun 2019 Jun 2020 ∆ (%)

Loans (Rp Tn) 107.0 → 103.7 -3.1

Gross NPL Ratio

Net NPL Ratio

NPL Coverage Ratio

3.6%

1.3 %

157%

→

→

→

3.7%

1.8%

112%

0.1

0.5

-45

CASA Ratio

[CASA (Rp Tn)]*

51.9%

58.5

→

→

52.1%

64.8

+0.02

+10.7

LDR 93% → 81% -12

NIM 4.2% → 4.5 +0.3

BOPO 88% → 91% +3

CIR 63% → 59% -4

Profit Before Tax (Rp Bn) 953 → 750 -21.3

Profit After Tax (Rp Bn)

Profit After Tax (Rp Bn) normalized**

711

711

→

→

366

742

-48.5

+4

Notes : * Including Sharia deposits

** Excluding the COVID-19 impact on the increasing allowance for impairment asset and the effect of decreasing CIT – PPh from 25% to 22%

Source : Published Report (Consolidated)

Income Statement

11

Source : Published Report (Consolidated).

• The significant increase in loan impairment was due to higher expected credit losses and market volatility in anticipation to

COVID-19 pandemic. The deterioration in some Macro Economic Variables (MEV) have been applied in calculating the

Probability of Default (PD) of loan portfolio

• The implementation of the new corporate income tax rate cause the Bank have to recalculate the deferred tax assets (DTA)

(which was originally calculated at a rate of 25% to be lowered to 22%), resulting an overstatement in recognition of DTA

assets).

Net Interest Income 3,162 2,821 12% 3,162 2,821 12%

Non Interest Income 990 918 8% 990 918 8%

Revenue 4,152 3,739 11% 4,152 3,739 11%

Operating Expense 2,438 2,359 3% 2,438 2,359 3%

Staff costs 1,304 1,173 11% 1,304 1,173 11%

Promotion costs 49 68 -29% 49 68 -29%

Other costs 1,085 1,117 -3% 1,085 1,117 -3%

Pre Provision Operating Profit 1,714 1,381 24% 1,714 1,381 24%

Provision Expense 1,068 466 129% 863 466 85%

Operating Profit 647 915 -29% 852 915 -7%

Non Operating Income 104 39 169% 104 39 169%

Profit Before Tax 750 953 -21% 955 953 0%

Tax (384) (242) 59% (213) (242) -12%

Profit After Tax 366 711 -48.5% 742 711 4%

Jun-20YoY

Growth

Published Report Normalized Profit *

YOYJun-20 Jun-19 Jun-19(in IDR bn)

Balance Sheet

12 Source : Published Report (Consolidated)

Notes : * Including Reverse repo

** Including Sharia deposits

Cash 1.8 1.9 -5% 2.3 -20%

Placement with Bank Indonesia 16.2 13.5 19% 16.3 -1%

Placement with Other Banks 5.5 3.3 69% 9.6 -42%

Marketable Securities * 22.6 14.8 53% 11.9 91%

Loans (gross) 103.7 107.0 -3% 108.2 -4%

Allowance for Loan Impairment Losses (4.2) (5.9) -29% (3.9) 8%

Other Assets 12.4 13.2 -6% 17.2 -28%

Total Assets 158.0 147.8 7% 161.5 -2%

Deposits ** 124.5 112.8 10% 122.9 1%

- Current Accounts 33.5 29.2 15% 32.4 3%

- Saving Accounts 31.3 29.3 7% 29.8 5%

- Time Deposits 59.7 54.3 10% 60.7 -2%

Subordinated Debt 1.6 4.1 -62% 2.3 -31%

Others Liabilities 8.1 7.6 6% 12.3 -34%

Total Liabilities 134.1 124.5 8% 137.5 -2%

Shareholders' Equity 23.9 23.3 2% 24.0 -1%

Total Liabilities & Shareholders' Equity 158.0 147.8 7% 161.5 -2%

Actual Actual

(in IDR tn) Jun-20 Jun-19 YoY Dec-19 YTD

CET-1 ratio 20.2 18.7 18.4

Total CAR 21.3 19.9 19.8

LDR 81 86 93

CASA ratio * 52 51 52

ROA 0.9 1.3 1.2

ROE 3.5 7.2 7.1

BOPO 91 87 88

CIR 59 62 63

NIM 4.5 4.4 4.2

NPL Gross 3.7 2.8 3.6

NPL Net 1.8 1.3 1.3

NPL Coverage ratio 112 133 157

Regulatory Coverage ratio 147 146 181

(in %) Jun-20 Dec-19 Jun-19

13

Source: Published and Management Report (Bank only)

Note: CASA Ratio includes Sharia deposits

Financial Ratios

14

Gross Loan (IDR Triliun)

↓ 3,1% YOY

Bad Book Loan (IDR Triliun)

↓ 40,7% YOY

107.0 108.2

103.7

Jun-19 Dec-19 Jun-20

Decrease in loan gross is mostly driven by lower

Bad-Book Loan by -41% YOY

99.8 103.2 99.4

7.2 5.0 4.3

Jun-19 Dec-19 Jun-20

Good Book Loan Bad Book Loan

↓ -41%

↓ -0.3%

Source: Bank Publication Reports (Consolidated), *Good-Book Loan : Unimpaired loan (internal assessment)

Focus on Healthy Loan Growth

15

Asset Quality Affected By Covid-19, However Bank’s Can Prudently Managed the Risk

89.0% 91.2%

89.1%

7.4% 6.0%

7.2%

3.6% 2.8% 3.7%

Jun-19 Dec-19 Jun-20

Current SML NPL Gross

NPL Gross

↑ 10 bps YOY

NPL Coverage Ratio

NPL Coverage Ratio is well maintained above

100%

1.3% 1.3% 1.8%

157%

133%

112%

Jun-19 Dec-19 Jun-20

CKPN / NPL

0.9% 1.1%

2.0%

Cost of Credit

Source: Bank Publication Reports (Consolidated), Financial Ratios based on Bank Individual Reports

Program For Developing Restructuring & Relaxation of Loan Impacted by Covid-19

16

11.2%

89%

Loan Restructured & Relaxation

Non-Restructured & Non-Relaxed Loan

29%

40%

28%

2%

Loan Tenor Extension

Granting Grace Period

Postponement of Installments / Interest

Payment Holiday

63%

37%

Loan Restructured Loan Relaxation

Loan Affected by Covid-19

IDR 15.5 Trillion Request for Restructuring & Relaxation

11% of Total Credits - June 2020

Restructuring & Relaxation

Program

63% Restructuring, 37% Relaxation

Restructuring Scheme

40% Deferred Installments / Interest

52

51

52

Jun-19 Dec-19 Jun-20

58.5 62.3 64.8

54.3 60.7 59.7

112.8 122.9 124.5

Jun-19 Dec-19 Jun-20

CASA Time Deposits

Growth Deposit, focus on CASA

17

Deposit Composition (IDR Trillion)

By Currencies CASA Ratio (%)

1.3 % (YTD)

10.4% YOY

Source : Published and Management Report

0.16 bps (YOY)

• The third party funds balances increased by 10.4.% from Jun-19 to Jun-20, mainly driven by the increase in CASA by 11% YoY.

• PB’s deposit strategy is continuously focusing on low cost and sustainable funds (CASA).

• The CASA percentage is maintained stable

at 52% in Jun-20 in line with PB’s deposit strategy and in order to contribute a stable NIM%.

+11%

YOY Growth %

+10%

84% 85% 84%

16% 15% 16%

Jun-19 Dec-19 Jun-20

IDR Non IDR

7.9% 7.9% 8.0% 8.3% 8.4% 8.4% 8.4%8.1% 7.8%

4.2% 4.3% 4.3%4.8% 4.7% 4.6% 4.6%

4.0%

3.9%4.0% 4.0% 4.1% 4.0% 4.2% 4.2% 4.4% 4.6%

4.5%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

9.0%

10.0%

Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Yield of Interest Earning Assets Cost of Interest Bearing Liabilities NIM

Increasing NIM and Overall Yield

18

• NIM ratio is 4.5% or increased by 38bps compared to the position of Jun-19 which is at 4.2%. Despite the uncertain economy condition due to COVID-19, the Bank still continuously improving its NIM.

• The increase in NIM was mostly due contributed by decrease in the interest expense due to Bank’s subordinated bond (Tier-2 Capital) and increase in CASA composition during the year. Both caused the cost of funds decrease faster while the loan interest yield is slower to adjust following by its repricing period due to the decrease of BI 7D RR.

Source : Published and Management Report (Bank Only)

298 190

65 113 57 100 95

918

407

191 60 99 46 72 115

990

-

200

400

600

800

1,000

1,200

Gains Fx Sale &Incr. in Value of

Sec. & Gov.Bonds

Loan RelatedFees

Trade Finance Bancassurance Security AgencyServices &

InvestmentServices

Credit Card & E-Channel

Others Total NonInterest Income

Jun-19 Jun-20

Strong Growth of Non Interest Income

19

NFI Composition* (IDR Billion)

Fee to Income Ratio*

+36% +0.4%

-8% -13% +21% -29%

+8%

-19%

• Bank recorded Strong NFI growth of 8%

YoY, contributed from treasury

transaction (FX) which increased by 36%

year-on-year.

• Due to strong growth of NFI, Fee Income

to Income (FIR) ratio was able to be

maintained at 24%.

Source : Published and Management Report (*Bank Only)

23%

22%22%

23%

25%25% 25%

23%

24%

21%

22%

22%

23%

23%

24%

24%

25%

25%

26%

Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

581

32 86 57

421

1,178

622

32 89 103

378

1,223

Staff Cost Marketing &Promotion

InformationTechnology

Depreciation andamortization

Others Total OperatingExpenses

Mar-19 Mar-20

Managable Operating Expenses

20

Expenses Composition* (IDR Billion)

Operation Efficiency Ratios* (BOPO)

+14%

+0.2%

-10%

+80% +3%

+7%

Cost to Income Ratio*

Source : Published and Management Report (*Bank Only)

66% 66%65% 65%

63% 62%62%

58% 59%

54%

56%

58%

60%

62%

64%

66%

68%

Jun

-18

Sep

-18

De

c-1

8

Mar

-19

Jun

-19

Sep

-19

De

c-1

9

Mar

-20

Jun

-20

98%96%

93%

88% 88% 87% 87%

94%

91%

80%

90%

100%

Jun

-18

Sep

-18

Dec

-18

Mar

-19

Jun

-19

Sep

-19

Dec

-19

Mar

-20

Jun

-20

20.1818.37

20.2

0.0

0.9 0.3

1.81

Jun-19 RWA Profit DTA MTM AFS Fixed AssetReval

Others Jun-20

(3,249)(1,561) (341)

113,432 108,282

-

- -

Jun-19 Credit Risk Market Risk OperationalRisk

Jun-20

19.8 19.8 19.9 19.6

21.3

18.4 18.6 18.7 18.4

20.2

Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Total CAR CET1

Capital Position Remain Strong

21

Risk Weighted Asset (IDR Billion)

-4,7 % YOY +1.81 % YOY

CET-1 Ratio (%)

Min Requirement (incl buffers) : 12.5

Business Updates

Positioning for Quality and Sustainable Growth with Simple, Fast, and Reliable Business Process.

61.9

1.7 2.1

12.9 16.7

28.5

48.4

1.5 2.0

10.2

18.8 16.0

Retail Banking Credit Card Personal Loan Joint Finance Mortgage SME

Jun-19 Jun-20

Retail Banking - Supported by High Yield Asset Growth

23

-22%

-12%

+12% -44% -21%

Retail Loan Composition (IDR Trillion)

-3%

3.3% YOY Deposit Composition (IDR Trillion)

45.9 46.1 48.0 51.4 48.6

42.4 43.3 43.6 43.7 42.5

88.2 89.4 91.6 95.1 91.2

Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Time Deposit

CASA

Note: Since January 2020, there has been a shift in the recording of the Middle Enterprise segment credit portfolio to the Commercial Credit portfolio

(part of Wholesale Banking)

42.57 43.74 43.29

52.97 51.95

Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Wholesale Banking Supported by the growth of Good Book Loan

24

22% YOY -2% QoQ

Note: Since January 2020, there has been a shift in the recording of the Middle Enterprise segment credit portfolio to the Commercial Credit portfolio

(part of Wholesale Banking)

+36% YOY

12.7 13.7 14.4 19.9

16.3

11.9 17.0 17.1

18.1 17.2

24.6

30.7 31.4

38.0

33.5

Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Time Deposit

CASA

Wholesale Banking Loan Composition (IDR Trillion)

Deposit Composition (IDR Trillion)

25

Shariah Banking Achievements Adding Value to PermataBank

3,739 4,152

442 485 12.0% 12.5%

Jun-19 Jun-20

Bankwide Shariah

148 158

21 22

14.2% 13.9%

Jun-19 Jun-20

Bankwide Shariah

113 125

15 18

13% 15%

Jun-19 Jun-20

Bankwide Shariah

REVENUE CONTRIBUTION (IDR BN) ASSET CONTRIBUTION (IDR TN)

FINANCING CONTRIBUTION (IDR TN) DEPOSIT CONTRIBUTION (IDR TN)

Source: Published and Management Report (Bank only)

107 103

14.6 14.3

14% 14%

Jun-19 Jun-20

Bankwide Shariah

26

Digital Banking Achievements Continuous Innovation and Improvement

Source: Published and Management Report (Bank only)

27

PERMATAMOBILE X Mobile Banking Super App

Source: Published and Management Report (Bank only)

Other Information

Contain Shares Information, Asset Quality’s Debtor, Ratings and others appendices

Board of Commissioner

29

Chartsiri Sophonpanich

President Commissioner

Chalit Tayjasanant

Commissioner

Chong Toh

Commissioner

Niramarn Laisathit

Commissioner

Haryanto Sahari

Independent Commissioner

Rahmat Waluyanto

Independent Commissioner

Goei Siauw Hong

Independent Commissioner

Yap Tjay Soen

Independent Commissioner

Board of Director

30

Ridha DM Wirakusumah

President Director

Dhien Tjahajani

Director

Lea Kusumawijaya

Director

Abdy Salimin

Director

Djumariah Tenteram

Director

Darwin Wibowo

Director

Herwin Bustaman

Director

Dayan sadikin

Director

Shares Perfromance

31

630

665

1045

1260

915

780900

1,080 1,110

1385

985

127012601205 1,215

1,315

995

1,045

1,290 1,265 1280

-

100

200

300

400

500

600

700

0

200

400

600

800

1000

1200

1400

1600

Thou

sand

s

Trading volume Share price

BNLI Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Price (IDR) 625 960 780 1,110 1,265 1,035 1,270

PBV (x) 0.8 1.2 0.9 1.3 1.5 1.2 1.5

P/E Ratio 26 18 15 21 24 N/M 49

Market Cap (IDR Tn) 17.5 26.9 21.9 31.1 35.5 29.0 35.6

Book Value 22,452 22,955 23,313 23,729 24,037 23,247 23,855

O/S Share (in Bn ) (average) 28.043 28.043 28.043 28.043 28.043 28.043 28.043

PAT 901 377 711 1,093 1,500 0.002 366

EPS 32 54 51 52 54 0.00 26.14

BVS 801 819 831 846 857 829 851

Thank You!

PT Bank Permata Tbk Investor Relations Unit World Trade Center II Jl. Jend. Sudirman Kav. 29-31 Jakarta 12920 - Indonesia Phone : (62-21) 523 - 7899 / 7999 Website : www.permatabank.com Email : investor.relations@permatabank.co.id

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.

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