Exactly as in the question.
A decimal number is simply a way of representing a number in such a way that the place value of each digit is ten times that of the digit to its right. A decimal representation does not require a decimal point. Adding zeros after the decimal point is wrong because they imply a degree of accuracy (significant figures) for which there is no justification.
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95 percent is 0.95 as a decimal.
0.95
95 cents is 0.95
To convert 95% to decimal divide by 100: 95% ÷ 100 = 0.95
95 percent? would be 0.95