PT Super Bank Indonesia (SUPA) investor relations material

Executive summary

• Unaudited 9M 2026 net profit reached Rp299,889 million and profit before tax Rp385,058 million; September pre-tax ROE was 6.2%.

• Q3 2026 profit before tax was IDR 150.7B, up 199% YoY; NPAT was IDR 117.3B, up 196% YoY.

Financial highlights

• Q3 2026 interest income was IDR 849B, up 43% YoY; net interest income was IDR 550B, up 27% YoY. 9M net interest income reached Rp1,558,881 million.

• 9M operating income was Rp1,644,649 million versus Rp1,118,082 million; interest income was Rp2,348,889 million versus Rp1,498,143 million.

• Total assets were Rp27,498,710 million at 30 September 2026; net loans were Rp13,300,251 million and customer deposits Rp17,602,062 million.

• Operating expenses totaled Rp1,259,591 million and financial-asset impairment expense Rp364,911 million in 9M 2026.

• 9M basic and diluted EPS were Rp8.8; total comprehensive profit was Rp258,152 million.

Segment performance

• Digital loan book grew 265% YoY, with rapid Pinjaman Atur Sendiri (PAS) expansion across Grab channels; digital loan customers grew 361% and applications 353% YoY.

• EV driver loans for Grab drivers became active in September, providing vehicle financing through Grab's fleet ecosystem.

• Top-Up & Bayar added PLN payments, e-wallet and telco top-ups, and VA and credit card payments.

• Jakarta generated 9M net interest income of Rp1,556,088 million and net profit of Rp296,223 million; Bandung generated Rp2,793 million and Rp3,666 million, respectively.

• Jakarta encompasses non-legacy business, including digital-platform marketing; Bandung comprises legacy banking and conventional credit products.