PT Super Bank Indonesia (SUPA) investor relations material

Executive summary

• Achieved breakeven within 9 months of launch, with strong digital customer growth and ecosystem integration driving performance.

• Net profit for the six months ended 30 June 2026 reached Rp 182.6 billion, up from Rp 20.5 billion in the same period last year, driven by strong growth in net interest income and improved asset quality.

• Embedded banking services across Grab and OVO platforms, supporting seamless daily transactions and lending.

• Strategic partnerships and gamified savings products have increased user engagement and transaction volumes.

• The bank completed its IPO in December 2025, raising Rp 2.79 trillion and listing 4.4 billion new shares on the Indonesia Stock Exchange.

Financial highlights

• Total assets rose 82% year-over-year to IDR 27.0 trillion as of June 2026.

• Net interest income rose 52% year-over-year to Rp 1.01 trillion for H1 2026.

• Profit before tax surged 343% year-over-year to IDR 504 billion; NPAT up 415% to IDR 104.4 billion.

• Total loans increased 61% year-over-year to IDR 13.4 trillion; third-party funds up 89% to IDR 15.9 trillion.

• Basic and diluted EPS for H1 2026 were Rp 5.4, compared to Rp 0.7 in H1 2025.

Outlook and guidance

• Sustained growth expected from continued digital customer expansion and ecosystem integration.

• Focus on operational efficiency and margin expansion to drive future profitability.

• The bank continues to focus on digital expansion and retail/SME lending, supported by strong capital and liquidity positions.

• Management expects continued growth in loans and deposits, with emphasis on asset quality and risk management.