Jakarta (ANTARA) - PT Bank Permata Tbk (stock code: BNLI) recorded a\nnet profit of Rp920 billion in the first quarter of 2026, representing a\n16.6 per cent year-on-year (yoy) growth compared to Rp789 billion in the\nsame period of 2025.<\/p>\n
The company stated that this profit growth was also supported by\nnon-interest income performance, which grew by 11.9 per cent (yoy).<\/p>\n
\u201cPermata Bank\u2019s performance in the first quarter of 2026 reflects our\nresilience and discipline in executing our business strategy,\u201d said\nPermata Bank\u2019s President Director, Meliza M Rusli, in her statement in\nJakarta on Monday.<\/p>\n
She added that the company continues to maintain the bank\u2019s\nperformance amid market dynamics while supporting customer needs and\nsustainable economic growth, backed by strong capital and liquidity, as\nwell as selective credit growth.<\/p>\n
Furthermore, as of the end of March 2026, total credit disbursements\ngrew by 2.8 per cent (yoy) to Rp161 trillion compared to the same period\nthe previous year.<\/p>\n
Permata Bank\u2019s credit performance was mainly driven by growth in the\ncorporate segment credit, which increased by 6.5 per cent (yoy) to\nRp98.2 trillion, and the commercial segment, which grew by 1.8 per cent\n(yoy) to Rp19.7 trillion.<\/p>\n
On the funding side, Permata Bank\u2019s total third-party funds (DPK)\nreached Rp185 trillion, down 4.2 per cent (yoy) from Rp193 trillion in\nthe same period last year.<\/p>\n
In particular, low-cost funds (CASA) were recorded at Rp120.98\ntrillion as of March 2026. The CASA ratio increased to 65.5 per cent at\nthe end of March 2026, compared to 58.6 per cent in the same period last\nyear.<\/p>\n
Amid dynamic and challenging economic conditions, Permata Bank\nensures that its business fundamentals remain strong.<\/p>\n
This is evident from the loan-to-deposit ratio (LDR) at an optimal\nlevel of 87.1 per cent as of the end of March 2026, with an increasing\ntrend compared to 83.2 per cent at the end of the first quarter of\n2025.<\/p>\n
Permata Bank\u2019s liquidity is also adequately maintained, as reflected\nin the liquidity ratio in accordance with Basel III requirements, which\nconsistently remains well above the minimum regulatory limit of 100 per\ncent.<\/p>\n
As of March 2026, the average quarterly liquidity coverage ratio\n(LCR) was recorded at 267.4 per cent, while the net stable funding ratio\n(NSFR) was at 122.9 per cent as of the end of March 2026.<\/p>\n
Asset quality is also well managed, as reflected in the gross NPL\nratio and loan at risk (LAR) ratio, which stood at 2.2 per cent and 6.4\nper cent, respectively, compared to 2.0 per cent and 7.6 per cent in Q1\n2025.<\/p>\n
Permata Bank has also established prudent NPL coverage and LAR\ncoverage ratios, at 355.7 per cent and 120.6 per cent, respectively, to\nmaintain reserves for potential conservative credit risk reductions.<\/p>\n
Furthermore, in resolving non-performing loans, Permata Bank\nconsistently implements measured steps through restructuring efforts,\nlitigation, and asset sales.<\/p>\n
In Q1 2026, Permata Bank recorded a significant strengthening of\ncapitalisation, as reflected in the capital adequacy ratio (CAR) and\nCET-1 ratio of 33.9 per cent and 25.9 per cent, respectively, up from\n33.6 per cent and 25.6 per cent in the same period last year.<\/p>\n
The company noted that this achievement positions Permata Bank\u2019s\ncapital ratios as one of the strongest among major commercial banks in\nIndonesia.<\/p>\n
This solid capital foundation provides strong room for Permata Bank\nto continue accelerating future growth strategies, both through organic\nbusiness expansion and inorganic opportunities.<\/p>\n
Additionally, the solid capitalisation further strengthens Permata\nBank\u2019s resilience in facing the evolving dynamics of the banking\nindustry.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/permata-bank-records-profit-of-rp920-billion-in-q1-2026-up-16-6-per-cent-1777301841", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }