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As per "Warband" the Perks should read "exactly" as they work. Some of them need a rewrite to be more specific.
From here: https://www.pcinvasion.com/mount-blade-ii-bannerlord-skills-perks-and-leveling-guide/5/
"Eye for Loot – +5% loot from village raids; party member effect"
That would mean that if the Companion is not in the Party, you don't get any bonus. If they are in the Party, you do.