Permata Bank records profit of Rp920 billion in Q1 2026, up 16.6 per cent
Jakarta (ANTARA) - PT Bank Permata Tbk (stock code: BNLI) recorded a net profit of Rp920 billion in the first quarter of 2026, representing a 16.6 per cent year-on-year (yoy) growth compared to Rp789 billion in the same period of 2025.
The company stated that this profit growth was also supported by non-interest income performance, which grew by 11.9 per cent (yoy).
“Permata Bank’s performance in the first quarter of 2026 reflects our resilience and discipline in executing our business strategy,” said Permata Bank’s President Director, Meliza M Rusli, in her statement in Jakarta on Monday.
She added that the company continues to maintain the bank’s performance amid market dynamics while supporting customer needs and sustainable economic growth, backed by strong capital and liquidity, as well as selective credit growth.
Furthermore, as of the end of March 2026, total credit disbursements grew by 2.8 per cent (yoy) to Rp161 trillion compared to the same period the previous year.
Permata Bank’s credit performance was mainly driven by growth in the corporate segment credit, which increased by 6.5 per cent (yoy) to Rp98.2 trillion, and the commercial segment, which grew by 1.8 per cent (yoy) to Rp19.7 trillion.
On the funding side, Permata Bank’s total third-party funds (DPK) reached Rp185 trillion, down 4.2 per cent (yoy) from Rp193 trillion in the same period last year.
In particular, low-cost funds (CASA) were recorded at Rp120.98 trillion as of March 2026. The CASA ratio increased to 65.5 per cent at the end of March 2026, compared to 58.6 per cent in the same period last year.
Amid dynamic and challenging economic conditions, Permata Bank ensures that its business fundamentals remain strong.
This is evident from the loan-to-deposit ratio (LDR) at an optimal level of 87.1 per cent as of the end of March 2026, with an increasing trend compared to 83.2 per cent at the end of the first quarter of 2025.
Permata Bank’s liquidity is also adequately maintained, as reflected in the liquidity ratio in accordance with Basel III requirements, which consistently remains well above the minimum regulatory limit of 100 per cent.
As of March 2026, the average quarterly liquidity coverage ratio (LCR) was recorded at 267.4 per cent, while the net stable funding ratio (NSFR) was at 122.9 per cent as of the end of March 2026.
Asset quality is also well managed, as reflected in the gross NPL ratio and loan at risk (LAR) ratio, which stood at 2.2 per cent and 6.4 per cent, respectively, compared to 2.0 per cent and 7.6 per cent in Q1 2025.
Permata Bank has also established prudent NPL coverage and LAR coverage ratios, at 355.7 per cent and 120.6 per cent, respectively, to maintain reserves for potential conservative credit risk reductions.
Furthermore, in resolving non-performing loans, Permata Bank consistently implements measured steps through restructuring efforts, litigation, and asset sales.
In Q1 2026, Permata Bank recorded a significant strengthening of capitalisation, as reflected in the capital adequacy ratio (CAR) and CET-1 ratio of 33.9 per cent and 25.9 per cent, respectively, up from 33.6 per cent and 25.6 per cent in the same period last year.
The company noted that this achievement positions Permata Bank’s capital ratios as one of the strongest among major commercial banks in Indonesia.
This solid capital foundation provides strong room for Permata Bank to continue accelerating future growth strategies, both through organic business expansion and inorganic opportunities.
Additionally, the solid capitalisation further strengthens Permata Bank’s resilience in facing the evolving dynamics of the banking industry.