PT Super Bank Indonesia, widely known as Superbank and backed by EMTK, Grab, Singtel, and KakaoBank, recorded a pre-tax profit of Rp 80.9 billion in the third quarter of 2025. The digital bank’s performance was driven by a focused digital-first strategy that supports efficient and sustainable business operations.

Digital-First Strategy Boosts Interest Income and Efficiency

Superbank’s net interest income reached Rp 1.1 trillion, growing 176% year-on-year. This increase was attributed to the company’s digital-first business model, which has been central to its financial momentum throughout 2025.

The bank's Net Interest Margin (NIM) rose to 10.64%, while the Cost to Income Ratio (CIR) declined to 70.14%, significantly lower than 149.65% in the same period the previous year.

Integration with Grab and OVO Drives Customer Growth

Since the digital platform's launch in June 2024, Superbank has acquired 5 million customers. This growth was supported by strategic integration with the Grab and OVO ecosystems, which contributed to a more than 40% increase in daily transactions compared to the previous quarter.

“In line with this growth, our digital-first approach continues to deliver safe and accessible services for over 5 million customers,” said Superbank President Director Tigor M Siahaan.

Innovative products such as OVO Nabung by Superbank also played a role in boosting user activity and adoption of digital services.

Credit Expansion Strengthens Financial Indicators

Superbank’s total credit disbursement reached Rp 9.04 trillion, growing 84% year-on-year. This increase was supported by broader financing access in the retail and productive segments.

The bank’s total assets rose to Rp 16.5 trillion, a 70% year-on-year increase, reflecting steady expansion.

Meanwhile, third-party funds (DPK) increased by 203% year-on-year to Rp 9.8 trillion, which the company attributes to rising public confidence in its digital financial services.

Risk Management and Operational Metrics Show Positive Trends

Superbank reported a Loan to Deposit Ratio (LDR) of 92%, showing a balanced relationship between credit growth and funding. The Gross NPL stood at 2.83%, while Net NPL was at 1.21%, indicating prudent credit distribution and risk control.

Superbank emphasized that disciplined risk management and increased operational efficiency have been key to maintaining healthy performance. The company also noted that integration with key stakeholders continues to expand access to financial services, particularly for underbanked retail and MSME segments.

PHOTO: SUPERBANK

This article was created with AI assistance.