Permata Bank’s 2024 Public Expose, held in Jakarta on March 7, 2025, served as a significant moment for stakeholders to review the bank’s financial performance and future strategic direction. In addition to showcasing solid financial achievements, the event highlighted Permata Bank’s ongoing commitment to digital innovation and environmental responsibility.

Digital Transformation Enhances Services and Efficiency

Advancements in technology have significantly shifted how people access financial services. In response, Permata Bank has accelerated its digital transformation across various operational areas, from enhancing banking services to optimizing internal processes.

One of its key innovations is the PermataME app, designed to provide a seamless and customer-centric banking experience. This digitalization effort has also contributed to operational efficiency, reflected in the improvement of the Cost to Income Ratio (CIR), which declined from 52 percent in 2023 to 50 percent by the end of 2024.

Sustainability as a Long-Term Commitment

Permata Bank is focused not only on profitability but also on social responsibility. Through its #PermataHati initiative, the bank has partnered with WWF-Indonesia to protect the habitat of Sumatran elephants and support reforestation efforts that promote the local economy.

The Adopt-A-Tree program further invites customers, partners, and the public to take part in reforestation by purchasing trees that will be planted in designated conservation areas. This initiative underscores the bank’s active role in environmental conservation while fostering closer ties with communities and customers.

Looking Ahead to 2025: Stability and Sustainable Growth

According to research conducted by the Permata Institute for Economic Research (PIER), Indonesia’s economy is projected to grow steadily in 2025, with growth rates expected to exceed 5 percent. Despite global uncertainties, the government’s policies to enhance export competitiveness and stimulate domestic investment are believed to support this momentum.

Permata Bank sees these conditions as strategic opportunities for continued growth. With a Capital Adequacy Ratio (CAR) of 35 percent and a Common Equity Tier-1 (CET-1) ratio of 26 percent by the end of 2024, the bank has a solid financial foundation to pursue further expansion. Its focus on digitalization and sustainability is not merely a response to market trends but a long-term strategy to shape the future of the banking industry.

 

ID COMM’s experience in corporate communications is reflected in its success in developing effective strategies that not only deliver short-term impact but also enhance Permata Bank’s long-term reputation. The success of the 2024 Public Expose stands as tangible proof that public relations can drive public engagement while ensuring the company’s strategic messages are clearly and consistently conveyed.