#1PT Bank Permata Tbk Q3 2021 Financial Results Analyst & Media Gathering XXX $ £ % € ¥ Permata Bank#2DISCLAIMER 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.#3ABOUT PERMATABANK#4COMPANY PROFILE YEAR ESTABLISHED LISTED AT STOCK MARKET STOCK CODE 1995 Since 1990 at Jakarta Stock Exchange and Surabaya Stock TOTAL ASSET & MARKET CAP Exchange (currently merged and known as the IDX Indonesia Stock Exchange) BNLI BRANCHES & NETWORK DIGITAL SERVICES Rp 218.8 Tn. (Consolidated) Rp 52.5 Tn. 257 branch offices, 22 sharia branches, 12 cash offices and 1 mobile branch 20,000 ATM and access to more than 100,000 ATMs Mobile Banking Internet Banking API Banking Blockchain Trade Finance QRIS ATM Al Call Center SHAREHOLDERS BUSINESS SEGMENT Bangkok Bank Public Company Limited 98.71% Retail Banking Wholesale Banking Sharia Banking Public 1.29% CORPORATE RATINGS Id AAA (Pefindo) Baa2 (Moody's) MARKETSHARE Rank #7 based on total Asset and Third Party Funds Rank #10 based on total Loan 4#5BOARD OF COMISSIONERS Chartsiri Sophonpanich President Commissioner Chong Toh Commissioner Niramarn Laisathit Commissioner Rahmat Waluyanto Independent Commissioner Goei Siauw Hong Independent Commissioner Yap Tjay Soen Independent Commissioner Haryanto Sahari Independent Commissioner 5#6BOARD OF DIRECTORS Chalit Tayjasanant President Director Dhien Tjahajani Compliance Director Djumariah Tenteram Retail Banking Director Darwin Wibowo Wholesale Banking Director Lea Kusumawijaya Finance Director Herwin Bustaman Sharia Banking Director Abdy Dharma Salimin IT & Operation Director Dayan sadikin Human Resource Director Suwatchai Songwanich Risk Director 6#7ONE OF THE BEST TOP 10 BANKS IN INDONESIA CITY COVERAGE 62 BRANCH OFFICES 257 CUSTOMER ~ 4 Million DIGITAL MODEL BRANCH 4 42 under construction STAFF ~ 8,000 SHARIA BRANCHES 22 PermataBank CASH OFFICES 12 MOBILE BRANCHES 1 AI CALL CENTER 7#8BANKWIDE STRATEGIC DIRECTION AND IMPLEMENTATION ☐ E 2007 01 300 EI LI SCALE ☐ " Customer experience focused Build ecosystem Grow customer base Develop partnerships ☐ Transform network ■ Deepen relationship Actively cross-sell Explore inorganic growth opportunities DIGITAL Be digital everywhere Build data science discipline RPA and Al to drive process optimization Install enterprise intelligence CRM to drive performance management descipline Up-to-date technology stacks for stability and performance PROFITABILITY SUSTAINABILITY ☐ Define risk appetite ◉ Strengthen governance ☐ Understand risk/reward equation ◉ Manage risk strongly Build appropriate risk culture Build financial analytics discipline ◉ Apply strong compliance Understand investment / ■ culture Transform people and culture Build strong balance sheet return equation Manage losses Financial-based performance management ◉ 8#9AWARDS TEMPO FINANCIAL AWARD 2021 PT B THE BEST FINANCIAL RESILIENCE BANK BANK KONVENSIONAL DAN SYARIAH ASET> RP 100 TRILIUN PT E ermata, Tbk BANDING FINANCE RETAIL BANKING AWARDS2021 BANKING FINANCE RETAIL BANKING AWARDS2021 PT Sarka PT Bark Permata PermataBank RETAIL BANKER ASA TRAILBLAZIK AWARDS 2021 PT Bank Permata Tbk BEIT RETAIL BANK INDONESIA RETAIL BANKER INTERNATIONAL ASIA TRAILBLAZER AWARDS 2021 BEST MORTGAGE OFFERING PROPERTI INDONESIA AWARD 2021 Jakarta, 06 Oktober 2021 th FROONISTA AWARD 2021 PROPERTY SUPPORTING BUSINESS PERBANKAN PermataBank LNK PEATA PT Bank Permata Tbk Highly Commended P THE KPER ATBK M AGE UNDAN RKF The Best Financial Resilience Bank (Category: Conventional & Sharia Bank with Asset >100 Tn.) at Tempo Financial Awards (TFA) 2021. TOP DIGITA AWARD "Best Digital Partnership of The Year" and "Best Mortgage Home Loan Product of The Year" by Asian Banking & Finance Retail Banking Award 2021 ECONOMIC REVIE ECONOMY F NANCE INVESTMENT Enterprises RISK MANAGEMENT PA-1-202 ANDR PT BANK PERMATA TBK 4th The Best Indar Enterprises Pak Menagemant Award-N-2021 A car & IMM Stark Away the fuse at Pure Bass Bonplan Best Retail Banking in Indonesia & Best Mortgage Offering, awarded by Retail Banker International - Asia Trailblazer Award 2021 infobar W CA B XCEL AWA 202 The Favorite Mortgage Bank in Secondary Market from Properti Indonesia Awards 2021 ECONOMIC REVIEW ECONOMY FINANCE INVESTMENT CORPORATE PermataBank PT Bank Permata Tbk Katharine Grace 1st The Best Phone #m ECONOMIC Ide TOP Digital Company Award 2021 (Category: The Best in Building Digital Transformation - Bank Buku 3 category, awarded by Marketing Magazine in collaboration with Survey One and Frontier Technology 4th The Best Indonesia Enterprises Risk Management 2021 by Economic Review - Bank BUKU 4 Infobank Banking Service Excellence Award 2021 Bank Umum Konvensional Category: 3rd rank "Best Overall Performance"; 2nd rank "Overall Walk in Channel"; 3rd rank "Opening Account via Mobile Application/Browser" Danas ECONOMIC FORTUNA ide 1st The Best Corporate Secretary 2021 untuk kategori Bank BUKU 4 – Public Company. 9#10JOURNEY WITH STRATEGIC SHAREHOLDER - BANGKOK BANK May 2020 Bangkok Bank Permata Bank + October 2020 December 2020 July 2021 2021 Onwards Bangkok Bank successfully completed Permata Bank acquisition at 89.12% Bangkok Bank completed Mandatory Tender Offer (MTO) making Bangkok Bank ownership of Permata Bank at 98.71% Bangkok Bank Indonesia branches successfully integrated with Permata Bank Bangkok Bank fully participated in PermataBank's Rights Issue IX Synergies between Bangkok Bank and Permata Bank in creating value together 10#11SYNERGY WITH BANGKOK BANK#12STRATEGIC SHAREHOLDER SUPPORT Bangkok Bank: from 1944 to the present time ... SATHORN VISTA 12#13STRATEGIC SHAREHOLDER SUPPORT we have grown to become one of the leading ASEAN bank m Resilient economy and banking sector 3.7% 5.0% YoY GDP growth By 2022 Strong fiscal position Scale and regional leadership One of the leading commercial bank in Thailand and Southeast Asia ~US$100Bn ~US$50Bn Government stimulus to aid economic recovery Daily new COVID-19 cases Total exports Largest international network among Thai banks 14 International Markets (6: Prudent risk management underpins strong asset quality Defensive portfolio Corporate leadership Consumer mostly in Mortgages Adequate provision 199% Highest NPL coverage ratio 8.9% Highest LLR to loan Full suite of financial services Sustainable profitability pported by diversified income stream BUALUANG SECURITIES BBLAM RG AKART MORNGEVENT BANGKOKLIFE ASSURANCE Leading securities, asset management businesses coupled with best-in-class life insurance partners Economic recovery THB973Bn 75% y-o-y growth FY21E corporate net profit on annualized basis PermataBank #10 Bank in Indonesia US$15Bn Total assets N300 Branches Proven resilience Manageable NPL Current NPL ratio of 3.7% Digital proposition r3. Distributed ledger technology for trade finance Mobile bankingm- Banking Cross-border QR payments Bualuang Ventures Corporate venture capital arm Healthy liquidity position and strong capital base Robust capital position 15.3% CET1 Ratio 19.7% CA CAR Strong liquidity ratios 81% Loan-to-Deposit Ratio 283% Liquidity Coverage Ratio Strong funding 89% Funding from deposits 58% CASA ratio 13#14STRATEGIC SHAREHOLDER SUPPORT Largest Bank in Thailand Asset As of September 2021 (baht bn) 19% of market share/5 Deposit Equity/1 As of September 2021 (baht bn) As of September 2021 (baht bn) 4,276 21% of market share /5 4,030 3,497 3,272 3,124 2,489 2,582 2,531 2,410 1,750 1,783 20% of market share/5 1,325 487 464 426 354 311 208 BBL Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 BBL Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 BBL Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Loan As of September 2021 (baht bn) International loan/2 As of June 2021 (baht bn) Corporate loan/3 As of September 2021 (baht bn) 15% of market share/5 2,560 2,524 2,444 2,279 1,854 1,359 1,022 834 815 679 679 489 589 78 67 64 58 9 Bank 1 BBL Bank 2 Bank 3 Bank 4 Bank 5 BBL Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 BBL /4 Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Note: 1 Attributable to owners of the Bank /4 Data as of June 2021 /2 For BBL international lending is classified as loan made through international banking network /5 System market share data as of August 2021 For other banks, international lending is classified by customer's residence in accordance with Thai Financial Reporting /3 For BBL, exclude loan made through international banking network Source: Bank of Thailand, Bangkok Bank analysis 14#15STRATEGIC SHAREHOLDER SUPPORT #1 Corporate Bank in Thailand Leading corporate banking franchise in Thailand corporate Strong, longstanding lending relationships, serving a large percentage of listed companies in Thailand Strong liquidity, capital base, and international network helps customers capitalize on opportunities beyond national boundaries Corporate customers serviced from head office by executives and relationship managers with in-depth knowledge and industry qualifications Bangkok Bank well-positioned to benefit from increase in corporate loan demand as the economy recovers from the COVID-19 pandemic: • Restart of large mega-projects and planned public investments into infrastructure and regional integration (e.g. EEC) • Strong recovery in exports, a key focus area for existing corporate customers • Outbound growth from large Indonesian corporates, leveraging Permata Largest exposure to corporate and lowest exposure to SME and retail among peers As of September 2021 3% 12% 6% 29% 40% 46% 48% 15% 56% 13% 26% 33% 18% 16% 8% 20% 41% 35% 36% 37% 36% 27% /2 BBL Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Corporate Retail International SME Commercial Government/1 Others Business Note: /1 Includes state enterprises /2 Data as of June 2021 15#16STRATEGIC SHAREHOLDER SUPPORT .. with Prudent Loan Growth and Diversified Loan Portfolio Loan Billion Baht 2,368 2,420 2,369 2,083 2,004 2,061 +6.6% YTD +4.3% QoQ 2,524 /1 /1 /1 /1 2017 2018 2019 2020 Mar-21 Jun-21 Sep-21 Loan by business unit % of composition International 26% Corporate 41% Sep-21/1 Consumer 12% 6% Business 15% Commercial Notes: 1 Include Permata's loan Loan by industry % of composition 19% Others 13% Housing Utility and service 23% Sep-21/1 Real estate and construction 9% Agriculture and mining 4% Manufacturing and commercial 33% 16#17STRATEGIC SHAREHOLDER SUPPORT ... and Comprehensive Digital Strategy to Power Future Growth BEMERCHANT NEXTGEN CROSS-BORDER QR CODE PS VISA Thai Cross-Border OR Payment Payments BESURE QR Be 1st Smart TPN UnionPay BBL BeWallet B-Sur-QR BeWallet FRS 20 QR payment service that allows customers to use QR codes to pay for products nd services Bangkok Bank NATIONAL DIGITAL ID FACIAL RECOGNITION AI TECHNOLOGY First EMV chip debt card in Thailand that is accepted by 16MM merchants in UnionPay's global network First bank in Thailand to provide QR code cross-border payment services via mobile application Retail A cashless QR Code payment system that helps to manage sales for various merchants to be able to accept PromptPay, Visa, MasterCard, UnionPay, TPN and WeChat Pay or Alipay through a QR Code Corporate First bank to provide cross-border QR payments between Thailand and Vietnam in 1Q21 and between Thailand AND Indonesia in 3Q21 CONTOUR DLT PLATFORM COLLABORATION WITH R3 ENTERPRISE BLOCKCHAIN SOFTWARE FIRM CONTOUR r3. MACHINE LEARNING DISTRIBUTED LEDGER TECHNOLOGY DIGITAL INFRA-STRUCTURE Powered by Cutting-Edge Technology In partnership with other banks, launched Contour DLT platform which digitalizes Letter of Credit transactions from end-to-end, reducing processing time from 10 days to 24 hours Pioneering the use of Distributed Ledger Technology for trade finance in Thailand; facilitated a live Letter of Credit on R3 for the first time in Thailand in 2019 Source: Bangkok Bank Products Chatbot TT01 LINE CUSTOMER ECOSYSTEM Collaborated with InnoHub and Pand.ai and launched TT01, an advanced Thai conversational Al engine in 2020. TT01 is able to process Thai and English language and emoticons, and is used as digital sales assistant on LINE Lazada S Shopee Expanding the "customer ecosystem" to offer seamless banking services with the highest levels of security and privacy to customers 17#18STRATEGIC SHAREHOLDER SUPPORT We Have Unique Global Footprint with a Focus on Asia And ASEAN Key Highlights of International Presence THAILAND #1 corporate bank in Thailand ⚫ #1 international bank among Thai banks INDONESIA Presence since 1968 ⚫ #10 bank in Indonesia Number of Branches (Not including self-service outlets) * United States United Kingdom Myanmar Laos China Hong Kong Taiwan 1 1 1 2 6 2 3 Year of Year of Establishment Establishment Year of Establishment Year of Establishment Year of Establishment Year of Establishment Year of Establishment 1984 1957 1995 1993 1986 1954 1965 ASEAN ⚫13 branches across Laos, Myanmar, Cambodia, Malaysia, Singapore, Vietnam and Philippines CHINA First Thai bank in China with significant operations since 1986 MALAYSIA Only Thai bank with subsidiary in Malaysia since 1994 International Network 330 Locations O 15 14 13 12 11 10 Geographic Coverage 14 Economies Thailand 1,118 Year of Establishment 1944 Vietnam 2 Year of Establishment 1992 Malaysia 5 Year of Establishment 1959 Singapore Indonesia 1 Year of Establishment 1957 300 Year of Establishment 1972 Cambodia 1 Year of Establishment 1992 Philippines Japan 1 Year of Establishment 1995 2 Year of Establishment 1955 18#19STRATEGIC SHAREHOLDER SUPPORT ... and Growth Upside from Regional Integration in Indochina Gateway to the CLMV (¹) region North-South Corridor Laos 2019/2020 GDP growth: 5.5%/0.3% 2020 Total trade with Thailand: US$6Bn (8% 10Y CAGR)(2)(3) Western Corridor Myanmar Northeastern Corridor Mae sai/Chiang Saen/ Chiang Khang, Chiang Rai Laos 2 Mae Sot, Tak Myanmar - 2019/2020 GDP growth: 6.5%/2.9% 2020 Total trade with Thailand: US$6Bn (3% 10Y CAGR) (2) (3)Don Muang Airport Kanchanaburi Vietnam - 2019/2020 GDP growth: 7.0%/2.9% 2020 Total trade with Thailand: US$17Bn (9% 10Y CAGR) (213) 1 Phase 1 (5 Economic zones) 2 Phase 2 (7 Economic zones) Thailand Northern Corridor Central Corridor Nongkhai Mukdahan Vietnam East-West Corridor Suvarnnabhumi Airport 1 Aranyaprathet, Sa Kaeo Cambodia U-Tapao Airport Klongyai, Trat Map Ta Phut Port Southern Eastern Corridor Corridor Southern Coastal Corridor Cambodia - 2019/2020 GDP growth: 7.1%/(3.1%) - 2020 Total trade with Thailand: US$7Bn (11% 10Y CAGR)(2)(3) Narathiwat Songkhla, Sadao Source: Bangkok Bank, Oxford Economics, Bank of Thailand 19#20STRATEGIC SHAREHOLDER SUPPORT Realizing Synergies between Permata Bank and Bangkok Bank Integration of Permata and BBI, 10th Largest Bank in Indonesia • Larger capital base to serve existing customers • 300 branches to provide full banking services to BBI customers Sharing of Corporate Banking Capabilities in Critical Areas • Transaction banking • Trade finance • Project finance о Leveraging Bangkok Bank's international network . Greater China, Japan and Thailand + Learning from each other in the key areas of consumer and SME banking • Branch network optimization . Mobile services Close collaboration in technology investment 20 20#21ot 56 Floating emojis Library upgrades 44 Reporting API documentation 3.0 File upload chat Vidco conference New onboarding MACROECONOMIC UPDATE Q3 2021#22MACROECONOMIC UPDATE Indonesia Macroeconomic Projection LOAN & DEPOSIT GROWTH (% YoY) FX RATES (IDR/USD) 15,000 14,800 14,600 11.1 11.3 PROJECTION 9.4 ¡ PROJECTION 14,525 14,500 14,456 14,442 14,323 14,341 14,326 14,357 14,400 14,200 14,050 6.5 6.1 6.3 6.0 14,000 5.4 5.4 13,806 4.9 4.9 4.4 4.3 4.4 3.7 2.2 0.6 ப 3.8 13,800 13,600 13,400 13,200 FY 2019 FY 2020 Q1-21 Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Q3-22 Q4-22 FY 2019 FY 2020 Q1-21 Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Q3-22 Q4-22 -2.4 Loan Growth Deposit Growth -3.8 GDP GROWTH & INFLATION RATE (% YoY) 7.00 7.1 6.00 TREND OF INTEREST RATE 1 PROJECTION 5.00 - BI 7D RR PROJECTION 5.00 5.1 5.0 4.8 4.6 3.75 3.75 4.5 4.3 4.00 3.50 3.50 3.50 3.50 3.50 3.50 3.50 3.0 2.7 2.8 2.8 3.00 2.5 1.7 1.6 1.5 1.7 Fed Rate 1.4 1.3 2.00 1.25 1.00 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25 FY 2019 FY 2020 Q1-21 Q2-21 Q3-21 -0.7 Q4-21 Q1-22 Q2-22 Q3-22 Q4-22 FY 2019 FY 2020 Q1-21 Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Q3-22 Q4-22 -2.1 Inflation Rate ■GDP Growth 22#23100% MACROECONOMIC UPDATE China's Energy Crisis and Higher Demand for Raw Commodities China's Proportion in Global Commodity Consumption. ■China Others 600 Commodity Price Index and China's Economic Growth 90% 80% 39.8 41.7 44.8 48.2 70% 57.2 69.4 60% 85.7 90.7 92.2 50% 40% 30% 60.2 58.3 55.2 51.8 42.8 20% 30.6 10% 14.3 9.3 7.8 0% Aluminium Copper Nickel Coal Natural Rubber Soybean Oil Crude Oil Palm Oil Natural Gas 0 400 Energy and Metal Price Index 4Q01 100 200 300 500 다 3Q02 2Q03 1Q04 4Q04 3Q05 2Q06 1Q07 4Q07 3Q08 2Q09 1Q10 4Q10 3Q11 2Q12 1Q13 4Q13 3Q14 2Q15 1Q16 4Q16 3Q17 2Q18 1Q19 4Q19 3Q20 Energy and Metal Price Index 2Q21 -10 -China GDP YOY 23 -5 0 5 10 China GDP yoy (%) 15 20 20#24500 450 400 350 300 Commodity Price Index 250 200 150 100 50 4Q01 4Q02 4Q03 4Q04 4Q05 4Q06 MACROECONOMIC UPDATE Higher Commodity Prices will Benefit Indonesia Commodity Price Index and Indonesia's Economic Growth 4Q07 -Commodity Price Index 4Q08 4Q09 4Q10 4Q11 4Q12 4Q13 4Q14 4Q15 4Q16 4Q17 4Q18 4Q19 4Q20 Indonesia GDP %yoy 8 10 HS Code 4 Digit Top 10 Products (% Share) 2016 2017 2018 2019 2020 1511 8 Palm oil and its fractions, whether or not refined (excluding chemically modified) 9.9 11.0 9.2 8.8 10.6 2701 Coal; briquettes, ovoids and similar solid fuels manufactured from coal 8.9 10.6 11.5 11.3 8.9 6 7108 Gold, incl. gold plated with platinum, unwrought or not further worked than semi-manufactured... 1.0 1.1 1.1 2.1 3.4 + 2 N Indonesia GDP %yoy 2711 Petroleum gas and other gaseous hydrocarbons 7202 Ferro-alloys 4.9 5.3 5.9 4.9 3.3 0.4 0.8 0.8 1.6 2.9 4001 Natural rubber, balata, gutta-percha, guayule, chicle and similar natural gums, in primary. . . 2.3 3.0 2.2 2.1 1.8 7219 Flat-rolled products of stainless steel, of a width of >= 600 mm, hot-rolled or cold-rolled... 10 0.1 0.3 1.3 1.9 1.8 3823 Industrial monocarboxylic fatty acids; acid oils from refining; industrial fatty alcohols 1.6 1.8 1.7 1.6 1.8 -4 Motor cars and other motor vehicles principally 8703 1.8 1.8 1.8 2.4 1.7 designed for the transport of persons, incl. . . . 2603 Copper ores and concentrates 2.4 2.0 2.3 0.8 1.5 -6 24#25MACROECONOMIC UPDATE China's Property Sector Shrinks for the 1st Time since Pandemic Property Decline Sector contracts for the first time since pandemic amid Evergrande crisis Real gross domestic product growth Construction growth Real-estate growth '92 193 194 195 '96 '97 '98 '99 '00 '01 '02 '03 '04 '05 '06 '07 '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '18 19 20 21 Source: National Bureau of Statistics 30 -20 +10 -1.8 -10 -20 Bloomberg % change y/y Before the pandemic, China's property & construction industries never contracted in data back to 1992. The contraction started in Q3 2021, weighted by a slump in real estate Output in the real-estate industry, a mainstay of the economy as its activities supports sectors from furniture to commodities, shrank 1.6% from a year ago The construction industry's output fell by 1.8%, also its first decline since the pandemic CNGDPYOY Index (China GDP Constant Price YoY) CH GDP, contribution Quarterly 27 Source: Bloomberg Copyright 2021 Bloomberg Finance L.P. 21-Oct-2021 23:15:18 25#26Rea Estate GDP Share (%) MACROECONOMIC UPDATE Indonesia's Real Estate Sector Share in GDP Tend to Increase since 2019 3.15 3.10 3.05 3.00 2.95 2.90 2.85 2.80 Real Estate Sector GDP |Real Estate GDP Share Real Estate GDP Growth Indonesia GDP Growth Linear (Real Estate GDP Share) Source: Indonesia Statistical Agency 10.0 8.0 6.0 4.0 2.0 0.0 -2.0 -4.0 -6.0 Growth (%) 26#27FINANCIAL PERFORMANCE Q3 2021#28Q3 2021 FINANCIAL PERFORMANCE Healthy Asset and Loan Growth During Pandemic TOTAL GROSS LOAN IDR Trillion ↑ 20.7% YOY TOTAL ASSET IDR Trillion ↑ 31.2% YOY 218.9 124.2 197.7 118.1 166.8 102.9 Sep-20 Dec-20 Sep-21 Sep-20 Dec-20 Sep-21 Source: Published report (consolidated). 28#29Q3 2021 FINANCIAL PERFORMANCE Sustainable Profit Growth During Period of Economy Uncertainty PRE-PROVISION OPERATING PROFIT IDR Billion ↑ 28.2% YOY 2,694 3,763 3,455 429.8 PROFIT AFTER TAX IDR Billion ↑ 93.5% YOY 721.6 831.4 Sep-20 Dec-20 Sep-21 Sep-20 Dec-20 Sep-21 Source: Published report (consolidated). 29#30Q3 2021 FINANCIAL PERFORMANCE Digitization Maintained NIM Well and Improving Cost Efficiency NET INTEREST MARGIN (NIM) % 4.4% 4.7% 4.5% 4.4% 4.4% 59.8% COST TO INCOME RATIO (CIR) % ↓ 618 bps YOY 58.7% 59.5% 52.7% 53.6% Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Source: Published Report (Bank Only) 30 30#31Q3 2021 FINANCIAL PERFORMANCE Loan Quality Remain Strong and Prudently Maintained 1.5% GROSS NPL ↓ 48 bps YOY 1.0% 0.9% 2.9% 3.8% 3.3% 4.9% 118% 5.2% 5.4% NPL COVERAGE RATIO Maintained above 200% 239% 217% 2.0% 1.1% 0.9% 92.2% 90.8% 91.5% Sep-20 Dec-20 Sep-21 NPL NPL Net Current SML Source: Published report (consolidated). Ratio based on standalone published report Dec-20 Sep-21 Cost of Credit Sep-20 NPL Coverage Ratio 31#32Q3 2021 FINANCIAL PERFORMANCE Restructured Loan due to COVID-19 Keep Decreasing RESTRUCTURED LOAN % 8.4% Total restructured loan on COVID-19 of IDR 10.4 Tn as of Sep 2021 91.6% RESTRUCTURED LOAN BY SEGMENT % 26.0% 12.1% 61.9% ■Restructured Loan COVID-19 ■ Non-Restructured Loan Wholesale Retail SME Source: Published report (consolidated). Ratio based on standalone published report 32#33Q3 2021 FINANCIAL PERFORMANCE Third Party Funding Grew Strongly with Solid CASA Ratio and Healthy LDR THIRD PARTY FUND IDR Trillion ↑ 22.6% YOY 163.5 145.6 133.3 CASA RATIO 53% 51% 51% Sep-20 Dec-20 Sep-21 86.7 +28% YOY 74.5 67.7 LOAN TO DEPOSIT RATIO 65.7 71.1 76.8 79% +17% YOY 75% 74% Sep-20 Time Deposit Dec-20 Sep-21 CASA Source: Published report (consolidated). Ratio based on standalone published report Sep-20 Dec-20 Sep-21 33#34Q3 2021 FINANCIAL PERFORMANCE Strongest Capital Position amongst Peers CAR % CET-1 % ↑ 1,245 bps YOY ↑ 535 bps YOY ↑ 90.7% YOY TOTAL CAPITAL IDR Trillion TIER-1 CAPITAL IDR Trillion ↑ 94.7% YOY 21.6% 35.7% 34.0% 42.9 44.4 Total Capital 23.3 43.1 41.5 26.9% 25.9% 20.5% 22.2 Sep-20 Dec-20 Sep-21 Sep-20 Dec-20 Sep-21 CET-1 CAR Min. CAR = 12.5% Min. Tier-1 = 6.0% Min. CET-1 = 4.5% Tier-1 Capital Source: Published report (consolidated). Ratio based on standalone published report * Minimum CAR after taking into account Basel III capital add-on 34#35BUSINESS UPDATES Q3 2021#36WHOLESALE BANKING 60T#37WHOLESALE BANKING PERFORMANCE Strong and Sustainable Business Growth from Overall Aspect 53.1 Sep-20 Notes: Consolidated Report LOAN IDR Trillion ↑ 45.4% YOY 77.3 THIRD PARTY FUND IDR Trillion ↑ 55.1% YOY 59.4 38.3 36.0 +94% YOY 18.6 +19% YOY 23.5 19.7 Sep-21 Sep-20 Sep-21 Time Deposit CASA Wholesale Banking Loan 37#38WHOLESALE BANKING PERFORMANCE Continue Building Relationships for Prudent and Healthy Loan Growth CONTOUR PermataTrade Revolutionize Your Business with Trade Blockchain Solution PermataBank's breakthrough for a Faster, Simpler, and Secure transaction PermataBank Partnership providing the first in Indonesia blockchain-based trade finance platform. IN ONESIA INFRASTRUC RE NAN Daftar API Inquiry Balance Inquiry BI Payment Inquiry Overbooking inquiry Online Transfer Inquiry Adegaw Status Transaction Inquiry Account Statement Digitizing BPR payment processes with Permata API Banking. & ACA Permatalank Syariah PermataBark PermataBank Webinar IBOR Transition Speaker PermataBank PermataBank Webinar Managing Cyber Security Threats and Risks During The COVID Era Speakers Moderater Monday, 5 April 2021 3PM-End vi Zoom Wednesday, 28 APRIL 2021 15.00-17.00 WIB -zoom Hosted virtual webminars to continually engage and assist Customers during pandemic. ко W Continue to strengthen partnerships and facilitate credit growth per Bank's risk appetite Continue building relationships for prudent and healthy credit growth. Grow selectively on segments with future potential growth and less impacted by the pandemic. 38#39WHOLESALE BANKING STRATEGY Enhancing Value Chain Concept & Mitigate for Further Risk Grow topline Reduce cost-of-funds and increase NFI through transaction-led relationship D Manage operating costs. and minimize credit losses Expansion with new business model 39#40Armaank Halo, Febriana. Apa yang ingin Anda lakukan hari ini? Uhat Mutan Rekening Transfer ke Papa Permata Lat Portfolio Reksadu Jangan lupa melakukan hal ini sebelum hari raya tiba.. Bayar Zakat Pesan Sukuk Ritel Transfer ke Rekening Bank Lain RETAIL BANKING Desna.orana coumuran Anda 4 A3A Op Berikut in ringkasan alun Anda Te A8454500000 8 R168450.000 Taborge jagte R3,435,000,000 R3540,000,000 Rp 5.325,000,000 Ad Re32.770000 54000 500 APE Rp 435.690.000 ย#41RETAIL BANKING PERFORMANCE Focus on the Growth of Quality Asset while Maintaining Strong Liquidity LOAN IDR Trillion 5.6% YOY 7% 23% -49% 24.1 THIRD PARTY FUND IDR Trillion ↑ 9.5% YOY 44.2 46.9 95.0 104.1 -19% -6% +10% YOY 50.7 45.9 19.7 12.0 14.8 +15% YOY 53.4 49.1 3.6 9.0 4.6 3.4 Credit Card & Joint Finance Mortgage SME Retail Banking Personal Loan Sep-20 ■Sep-20 Notes: Consolidated Report, exclude loan to other segment ■Sep-21 Sep-21 Time Deposit CASA 41#42RETAIL BANKING PERFORMANCE Serving Holistic Customer Necessities with Best Customer Experience TANPA A DATANG KE CABANG DALA SATU LAYAR D Sekarang Downland Customer focused Scale up Retail Business Digital adoption everywhere Build quality and profitable businesses 00.55 000 on 00000 IDIRLES WAYAL M-> -- 004 100% 80% Operational excellence Data driven. decision making 42#43RETAIL BANKING PERFORMANCE Growing Ecosystem Through Strategic Partnership Mandaya Hospital Group MOU with Mandaya Hospital providing one-stop banking solution for financing, cash management, payroll, QR Pay, etc Indomaret Cash withdrawal for our Customers at more than 18,000 Indomaret outlets nationwide; free of charge, expanding distribution reach Mobil INDOSTATION Strategic partnership providing franchise ownership financing to Indostation operators alakulaku moxa by ASTRAFinancial S Shopee Paylater Strategic financial partnership supporting platform lending Empowering banking with API allowing Moxa users to open Permata Bank Savings Accounts from Moxa app Strategic partnership with Shopee providing loan channelling through Shopee Pay Later feature 43#44RETAIL BANKING PERFORMANCE Highlighted Business Initiatives Dermato PermataBank Syariah PermataBank me Permata Bank me PermataBank NG #CANTSTOPME Ada PermataME yang menemaniku mewujudkan mimpi PermataMobile X PermataME Savings TADINYA WISHLIST SEKARANG UDAH CEKLIS #CANTSTOPME Kumpalin cashback 20% dari e-Commerce favorit kamul PermataME Wealth Management BISA MULAI INVESTASI WALAU DOMPET KURANG BERISI #CANTSTOPME Scatnya investasi, mulai Rp100 ribu aja! PermataBank permasa me PermataBank DAVIDO me PermataBank me PermalaME KPR BISA KELUAR DARI RUMAH MERTUA TANPA DEG-DEGAN DI TANGGAL TUA #CANTSTOPME PermataME KTA IDE JADI MASUK AKAL BERKAT PUNYA MODAL #CANTSTOPME Cairin KTA cukup dari handphone aja PermataME Credit TETEP BISA NONTON SERIES TANPA BIKIN KANTONG TIPIS #CANTSTOPME Langganan Netflix cashback-nya 50% makin sert maratonya! Bisa nyicil rumah dengan DP hingga 0% Launched PermataME "CANTSTOPME" campaign, targeting banking solution for the millennial youths. PermataBank PRESENTS Wealth Wisdom wellness to wealth BRING BACK WHOLISTIC WISDOM TO YOUR HOME Erick Thohir Budi Gunadi Sadikin Cinta Laura Kiehl William Tanwijaya Sandiaga S. Un Sri Mulyani Indrawati and many more 17-18 SEPT 2021 10 AM-6 PM Inspirational Class Shopalogic Bazaar Property Expo Wealth Bazaar Music Performance Donation x Kitabisa 55 Inspirational Speakers in Wealth Wisdom, including: • • • • • • Ms. Sri Mulyani, Minister of Finance Mr. Sandiaga Uno, Minister of Tourism and Creative Economy Mr. Erick Thohir, Minister of State Owned Enterprises (BUMN) Mr. Budi Sadikin, Minister of Health Ms. Susi Pudjiastuti, former Minister of Marine Affair and Fishery Mr. Tony Fernandes, CEO of AirAsia Group • Mr. William Tanudjaja, co-founder Tokopedia (now GoTo) JOIN FOR www.wealthwisdom.co.id DR SCAN FREE ON A two days Online Wealth event, namely "Wealth Wisdom", a continuation of 6 th offline annual wealth events since 2014. Wealth Wisdom objective is to engage customers and build strong Wealth Management branding 44#45RETAIL BANKING PERFORMANCE Providing Convenience and Easy Access to All Retail Products and Services in Permata MobileX PermataMobile X PermataBank PermataBebas Plus Rekening Tabungan yang Kasih Banyak Cashback Nikmati Berbagai Promo Menarik dan PermataBebas Plus CASH 25% 5% Semarket Perinde program: Jamar Desember 2021 Buka Permata Deposito di PermataMobile X Lebih Mudah & Praktis Permata Tabungan Bebas D T Permata Bank PermataMobile X Permata Deposito Permata Bank PermataMobile X GRATIS Tarik Tunai di 18.700 Gerai Indomaret dengan Fitur Mobile Cash Indomaret Ubah Transaksi PermataBank PermataKartu Kredit jadi Cicilan 0% di PermataMobile X Permata Mobile X INFO SELENGKAPNYA Info Lengkap PermataMobile X CUSTOMER CENTRIC PRODUCTS & SERVICES PermataBank Belanja Online Makin Hemat dengan Permata Shopping Card Ajukan melalui PermataMobile X PermataBank 300 Amata Fil Permanalar KPR Bunga/Margin Spesial 4.75% Rencana jadi Nyata 1 Hari Cair Cicil Biaya KPR bunga 0% shop shop dengan PermataKTA Pengajuan 100% Online di PermataMobile X O Cashback 5% untuk Transaksi Online -0- Cicilan 1% hingga 12 Bulan Rotac Turan Tahunan Reragam Dickan di Berbagai Merchant Online Favorit Info Lengkap PermataMobile X PermataMobile X Periode hingga 31 Desember 2121 Permata Kartu Kredit Permata KTA PermataBank Aktivasi Permata Kartu Kredit Mudah dan Aman di PermataMobile X PermataMobile X Info Lengkap Free Withdrawal at Indomaret Outlets Credit Card 0% installment conversion Credit Card activation via P Mob X Permata Bank Periode hingga 31 Desember 2021 Permata KPR GRIS Permatalank Permata Bank PermataBank Investasi Reksa Dana mulai Rp100 Ribu di PermataMobile X Registrasi Nomor Identitas Investor (SID) dan mulai investasi sekarang Mutual Fund PermataBank Bayar Tagihan di PermataMobile X Cashback Rp10 Ribu Pake PermataMobile X Transfer ga ribet, Tinggal scan QR Langsung Beres! Bayar Pake QR Pay di PermataMobile X Cashback 50 Ribu PermataQR Merchant Solusi Pembayaran Digital Terlengkap di Nusantara dari Sabang sampai Marauke PermetaMabile X Bills Payment Permata Mobile X QR Transfer PermataMobile X PermataQR Merchant PermataQR Merchant Are Goog QR Pay QR Merchant Acquiring 45#46SHARIA BANKING#47SHARIA BANKING PERFORMANCE Sharia Banking Growth is Inline with Other Business Segment 14.2 FINANCING IDR Trillion ↑ 10.6% YOY THIRD PARTY FUND IDR Trillion ↑ 17.9% YOY 15.7 18.5 21.9 Sep-20 Sep-21 Sep-20 Sep-21 Notes: Consolidated Report, exclude loan to other segments 47#48SHARIA BANKING PERFORMANCE Continue Providing Digital Solution to Support Customer Saya ingin mencari Aspirasi Ke Tanah Suci Produk dan Layanan Syariah Terbaik Mantapkan Pilihan Hati menuju Tanah Savings Account Regular Syariah PermataTabungan iB Bebas Selengkapnya Nikmati cashback saat bertransaksi SPBU. commerce, supermarket dan Apply Now transportasi online. PermataTabungan iB Optima Nikmati bagi hasil yang h Permata Tabung Opti Febriana, berikut produk yang kain milki WWW 4 ER 4 Security Highlight Produk PermataTabungan IB Haji PermataTabungan iB Haji Reguler Khusus Services Permata Tabungan IB Umrah Permata Tabungan iB Bebas задово Additional Information DON PermataMobile X mobile banking super app for Shariah Banking. Revamped PermataNet internet banking for Shariah delivering great customer experience. Permata API Banking digitizing BPRS facilitating faster and efficient payments. MANTAPI PP PENGHALANG BPD AKAN DI REVISI RUU SISTEM KEUANGAN JANGAN KEBRINDEPENDENSI RI infobank ANALISIS-STRATEFI PERBANKAN & KEUA Permata Bank Syariah BEST OVERALL SHARIAH BUSINESS UNIT FOR 11 CONSECUTIVE YEARS BANKING SERVICE EXCELLENCE MONITOR (BSEM) 2021 Home D 472 2.23bn 1.65bn 0.59bn 11 Consecutive Years for The Best in Overall Performance in Shariah Banking Service Excellence Awards from Infobank and MRI More Model Branches will be coming in the next 12 months as we remodel and reposition branch network. Enterprise CRM - sales and service capabilities for all frontlines in all branches and call center. 48#49SHARIA BANKING STRATEGY Optimizing on Leveraging Business Models with Retail & Wholesale Bank Leading the Shariah market with strong and unique value proposition Penetrate target market via most effective and efficient distribution channels Strengthen our Shariah governance, risk management and productivity 49#50APPENDICES#51BALANCE SHEET (in IDR Bn) 30-Sep-20 31-Dec-20 31-Mar-21 30-Jun-21 30-Sep-21 YoY Cash 1,594 1.795 1,554 1,592 1,508 -5% Placement to BI 16,466 23,228 18,245 31,844 29,571 80% Placement with other Banks 3,981 3,735 5,217 6,431 10,133 155% Marketable Securities 23,866 24,350 29,716 35,570 40,259 69% Total Liquid Assets 56,417 75,380 82,169 88,119 90,186 60% Loans (gross) 102,898 118,147 117,712 120,844 124,173 21% Allowance for Loan Losses 46,895 45,164 44,371 44,192 44,247 -6% Other Assets 2,874 2,874 2,917 2,939 2,674 -7% Total Assets 166,810 197,726 203,469 212,968 218,867 31% Deposits - Current Accounts - Savings - Time Deposits - Syariah Deposits Subordinated Debt 133,346 145,562 149,164 155,624 163,516 23% 33,723 37,469 29,045 22,108 29,347 -13% 22,478 24,623 31,042 33,322 31,771 41% 58,578 64,117 58.893 65,130 66,748 14% 18,568 19,353 30,185 35,064 35,649 92% 1,559 9,806 10,137 0 0 -100% Others Liabilities 7,817 7,287 8,754 11,545 9,259 18% Total Liabilities 142,723 162,655 168,056 177,314 182,821 28% Shareholders' Equity 24,087 35,071 35,413 35,654 36,046 50% Total Liabilities & Shareholders' Equity 166,810 197,726 203,469 212,968 218,867 31% Source: Published report (consolidated). 51#52PROFIT AND LOSS (in IDR bn) 30-Sep-20 31-Dec-20 31-Mar-21 30-Jun-21 30-Sep-21 YOY Net Interest Income 4,653 6,809 1,996 4,028 5,947 28% Non Interest Income 1,738 2,329 386 930 1,512 -13% Revenue Operating Expense 6,391 9,138 2,382 4,958 7,460 17% 3,697 5,375 1,311 2,615 4,005 8% Staff costs 1,966 2,789 699 1,376 2,092 6% Promotion costs 56 120 23 56 113 99% Other cost 1,674 2,465 590 1,183 1,801 8% Pre Provision Operating Profit 2,694 3,763 1,071 2,343 3,455 28% Provision for losses 1,882 2,168 420 1,504 2,358 25% Operating Profit 813 1,595 650 838 1,096 35% Non Operating Income 20 20 4 23 27 31% Profit Before Tax Tax Profit After Tax 833 1,615 654 861 1,123 35% (404) (894) (161) (222) (292) -28% 430 722 494 639 831 93% Source: Published report (consolidated). 62 52#53FINANCIAL RATIOS (in %) Sep-21 Sep-20 A (%) CET-1 ratio 25.9 20.5 5.4 Total CAR 34.0 21.6 12.4 LDR 74.1 74.5 -0.5 CASA Ratio 53.0 50.8 2.2 ROA 0.8 0.7 0.1 ROE 3.1 2.7 0.5 |ВОРО / ОЕМ 88.31 92.04 -3.7 CIR 53.6 59.8 -6.2 NIM 4.4 4.4 0.3 NPL (Gross) 3.3 3.8 0.1 NPL (Net) 0.9 1.5 -0.6 Loan at Risk (LAR) 15.6 15.3 0.3 NPL Coverage ratio 216.7 118.3 98.3 Source: Published report (bank only). 53#54STOCK INFORMATION 3500 2850 3000 2500 2000 1500 1325 1130 1000 500 20... 3200 3020 2480 2170 2250 2900 2390 2040 2220 2090 1960 1915 1687 700 600 500 2030 1870 1810 1800 400 1765 1715 300 0 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Trading volume Share price 200 100 BNLI Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Price (IDR) 1,160 3,020 2,050 1,945 1,745 PBV (x) 1.4 2.4 1.6 1.5 1.5 P/E Ratio 57 117 29 43 63 Market Cap (IDR Tn) 32.5 84.7 57.5 54.5 52.5 Book Value 24,087 35,071 35,413 O/S Share (in Bn) (average) 28.043 28.043 28.043 35,654 28.043 36,046 30.077 PAT 430 722 494 639 831 EPS 20 26 70 46 28 BVS 859 1,251 1,263 1,271 1,198 54 ས་#55CORPORATE SOCIAL RESPONSIBILITY 41 *** ++ 566 Strategic Partners Schools & Communities PERMATAYOUTHPRENEUR 1228 Pelajar SMA/K PERMATABRAVE 20 Staf Difabel 8,367 Student Scholarships Permata Hati senyummu untuk masa depan يريا + 95k Total Beneficiaries Ket: Pencapaian sampai dengan Q3 2021 Program pelatihan dan pengembangan online kepada siswa/l SMA/K menuju startup Digital yang dapat menginsipirasi generasi muda untuk tumbuh menjadi digitalpreneur yang sukses dan berguna bagi masyarakat. Program pelatihan dan pembinaan berkelanjutan bagi para penyandang disabilitas di bidang literasi keuangan, perbankan, pengembangan diri dan kewirausahaan. Saat ini ada 26 staf difabel yang bekerja di Permata Bank. PERMATABANKIR CILIK 660 Pelajar SD/SLB Program literasi keuangan untuk siswa/i SD/SLB untuk melahirkan Duta Menabung yang mampu menyebarkan kebiasaan baik menabung sejak dini ke lingkungan sekitarnya. CERITA 566 Sekolah Gerakan "employee volunteerism", fondasi program Permata Hati CSR. Para Karyawan menebar literasi keuangan serentak di 50 kota, melibatkan sekitar 3.000 Employee Volunteers di seluruh Indonesia. 11 VOLUNTER 55#56Permata Bank PT BANK PERMATA TBK INVESTOR RELATIONS UNIT World Trade Center II Jalan Jend. Sudirman Kav. 29-31 Jakarta 12920 Indonesia Phone Website Email +6221-523-7899 / +6221-523-7999 www.permatabank.com [email protected]