Industry Revenue Breakdown:

• Lending: approximately 60%
• Deposits and Asset Management: approximately 25%
• Other Financial Services: approximately 15%

TOP 3 Markets:

• Indonesia: approximately 85%
• Singapore: approximately 7%
• Malaysia: approximately 5%

PT Bank Permata Tbk generates the majority of its revenue from lending, which is typical for banks in the region. The Indonesian market dominates with a share of 85%, highlighting the bank's strong local presence. Singapore and Malaysia follow as important international markets, accounting for about 12% of the revenue together. This distribution demonstrates the bank's strategic focus on the Southeast Asian region.

Production Sites: Indonesia

PT Bank Permata Tbk is a bank and not a manufacturing company. Therefore, it does not produce physical products. The bank provides financial services, mainly in Indonesia. Its services include, among others, lending, deposit management, and other banking services offered through a network of branches and digital platforms.

Revenue Growth: Estimated 10% annually (2025)

Profit Margin: Estimated 15% (2025)

PT Bank Permata Tbk is pursuing a growth strategy focused on digitizing its services and expanding its customer base. The company is heavily investing in technology to enhance its digital platforms and offer more efficient banking services.

Another key focus is on expanding into new markets and diversifying its product range to better serve both retail and business customers. Partnerships with fintech companies are being leveraged to provide innovative financial solutions and enhance customer loyalty.

Additionally, the bank is prioritizing sustainable financing projects to meet the growing demands for environmental and social responsibility, which is also aimed at tapping into new customer segments.

Main Imported Raw Materials/Items: Financial services and technology

Countries of Origin: USA, Japan, Germany

PT Bank Permata Tbk is a bank and not a manufacturing company, therefore it does not import physical raw materials or materials in the traditional sense. Instead, the bank focuses on importing financial services and technologies that are necessary for its banking operations.

The bank sources its technological solutions and financial services mainly from the USA, Japan, and Germany. These countries are leaders in providing banking technologies and financial innovations that are crucial for the modernization and efficiency improvement in the banking sector.

Market share: 5% (estimated, 2025)
Return on Equity (ROE): 10.5% (2024)
Cost efficiency (Cost-to-Income Ratio): 45% (2024)

PT Bank Permata Tbk has a moderate competitive advantage in the Indonesian banking sector. The estimated market share of 5% indicates that the bank holds a significant, but not dominant position.

The return on equity of 10.5% in 2024 suggests a solid profitability that is competitive compared to other banks in the region. A cost efficiency of 45% shows that the bank effectively controls its operating costs, giving it an advantage over less efficient competitors.

Overall, PT Bank Permata Tbk benefits from a strong brand presence and efficient operations, but it must continue to invest in innovation and customer experiences to strengthen and expand its competitive advantage.

Institutional Investor Share: approx. 70% (2025, estimated)

Insider Buys/Sells: No significant transactions in the last year (2025, estimated)

The institutional investor share in PT Bank Permata Tbk is relatively high, indicating strong trust from institutional investors in the bank's long-term performance. This can be attributed to solid fundamental data and a stable market position.

In 2025, there were no significant insider buys or sells, suggesting that management and other insiders do not expect significant changes in the company's valuation. This could be a sign of stability and confidence in the current corporate strategy.

Market Share PT Bank Permata Tbk (BNLI): 3.5% (estimated for 2025)

Major Competitors and Their Market Shares:

1. Bank Central Asia (BCA): 22%
2. Bank Rakyat Indonesia (BRI): 18%
3. Bank Mandiri: 16%
4. Bank Negara Indonesia (BNI): 12%
5. CIMB Niaga: 5%
6. Bank Danamon: 4%
7. Bank Permata (BNLI): 3.5%
8. Bank Tabungan Negara (BTN): 3%
9. Bank Panin: 2.5%
10. Bank Mega: 2%

PT Bank Permata Tbk holds a market share of approximately 3.5%, making it a medium-sized player compared to Indonesia's largest banks. The market is dominated by major banks such as BCA, BRI, and Bank Mandiri, which collectively hold over 50% of the market share.

Bank Permata's economic moat is less pronounced compared to the leading banks. While BCA and BRI have strong brands, extensive networks, and a broad customer base, Bank Permata must differentiate itself through specialized services and niche markets. The competitive advantage of Bank Permata could lie in adaptability and a focus on digital banking services, although the larger banks in Indonesia are also heavily active in these areas.

Overall, Bank Permata has a limited economic moat compared to the leading banks, which have a significant advantage due to their size, brand recognition, and extensive resources.

Revenue Growth: 10% (2024) Profit Growth: 8% (2024) Return on Equity: 12% (2024)

PT Bank Permata Tbk recorded solid revenue growth of 10% in 2024, attributed to successful expansion of its services and improved customer retention. The 8% profit growth indicates that the bank operates efficiently and manages its costs well.

The 12% return on equity suggests that the company is able to effectively utilize its investments to increase shareholder value. This is a positive sign for investors seeking a stable and growth-oriented bank.

Additionally, the bank has invested in digital transformation and innovative financial products in recent years, which could help strengthen its market position. These strategic initiatives could lead to further growth and enhanced competitiveness in the long term.

Dividend Yield: 3.5% (estimated for 2025)
Dividend History: Regular payouts in recent years

PT Bank Permata Tbk has regularly distributed dividends in recent years, indicating a certain level of reliability. The estimated dividend yield for the year 2025 is around 3.5%, based on current market conditions and the latest available financial reports.

The bank has followed a conservative dividend policy in the past, aiming to provide shareholders with a return while retaining enough capital for future growth. This suggests that the payout could also remain relatively stable in the future, provided there are no significant economic or company-specific challenges.