Bank Permata (BNLI) Aims to Upgrade to KBMI IV Classification, Outlines Strategy
Jakarta — PT Bank Permata Tbk (BNLI) has outlined plans to upgrade to the highest tier of Indonesian bank classification, known as the core capital bank group (KBMI) IV, and to pursue a spin-off of its Islamic banking unit (UUS).
Rudy Basyir Ahmad, Director of Finance and Islamic Banking Unit at Permata Bank, stated that the bank welcomes the Financial Services Authority’s (OJK) initiative to increase the number of KBMI IV banks.
“We certainly receive this guidance positively. We recognise that moving from KBMI III to KBMI IV demonstrates that a bank will become stronger in its own right,” Rudy said during a public exposure event at Permata Bank Head Office on Thursday, 12 March 2026.
He added that Permata Bank will continue implementing sustainable growth. Through this approach, the bank’s capitalisation will grow continuously, with the objective of meeting KBMI IV requirements, which mandate core capital exceeding Rp70 trillion.
“However, from our perspective, we will align growth with what is genuinely sustainable, whilst consistently maintaining prudent principles and applying continuous disciplined risk management,” Rudy said.
Regarding the Islamic banking unit spin-off, Permata Bank is not rushing the process and prefers to strengthen its Islamic business operations first. However, Rudy emphasised that the bank is not deliberately holding back Islamic unit assets to meet the minimum requirement of Rp50 trillion. As of December 2025, Permata Bank’s Islamic unit assets stood at Rp36.81 trillion, a slight decline from Rp37.41 trillion a year earlier.
“Our focus now is strengthening our Islamic business operations. How can we strengthen our balance sheet to diversify the business further? How can we enhance our service delivery?” Rudy explained.
Most importantly, he stated, Permata Bank Syariah must expand across all customer segments, embodying the principle of “Islamic banking for all.”
“Going forward, we will continue to focus on strengthening our Islamic operations in line with the bank’s stable growth. So when we eventually reach the threshold for spin-off, we will be much more prepared and stronger at that point,” Rudy concluded.