Permata Bank held its annual Public Expose on March 7, 2025, in Jakarta, showcasing strong growth and achievement for 2024. The bank reported a net profit of IDR 3.6 trillion, driven by strategic business fundamentals, digital innovation, and operational efficiency. Presented by Meliza M. Rusli, President Director, and Rudy Basyir Ahmad, Finance and Sharia Business Unit Director, the bank’s performance reflects prudent banking practices and improved credit quality. Through the spirit of “Growing Together”, Permata Bank, in strong synergy with Bangkok Bank, is committed to empowering customers, strengthening partnerships, and creating a positive impact in both domestic and international markets.
Key highlights include a 4% increase in Pre-Provision Operating Profit (PPOP), balance sheet optimization, and enhanced operational efficiency, evidenced by an increased Loan-to-Deposit Ratio (LDR) of 83%, a 0.6% growth in total assets, and a 2% decline in the Cost-to-Income Ratio (CIR). The bank achieved a 9% YoY growth in loan disbursement and improved asset quality. Permata Bank also holds one of the strongest capital ratios among Indonesia’s largest commercial banks, with a CAR of 35% and CET-1 of 26% at the end of 2024, providing a solid foundation for the Bank’s future strategic priorities.
Permata Bank, through the Permata Institute for Economic Research (PIER), projects Indonesia’s economy will grow by over 5% in 2025, supported by stable inflation, government policies, and domestic investment. Additionally, Permata Bank continues to leverage digital technology to enhance services and maintains strong CSR initiatives, including habitat conservation and reforestation. Through partnerships like #SayangiBumi and Adopt-A-Tree, Permata Bank demonstrates its commitment to sustainability, community empowerment, and environmental responsibility.
