PT Super Bank Indonesia (SUPA) Q2 2025 earnings summary

Executive summary

• Achieved net profit of IDR 20.1 billion in H1 2025, marking profitability within a year of digital launch.

• Customer base reached nearly 4 million, highlighting rapid adoption and digital ecosystem integration.

• Strategy focused on innovation, ecosystem partnerships (Grab, OVO), and financial inclusion for underserved communities.

Financial highlights

• Total loan disbursement rose 123% YoY to IDR 8.4 trillion in H1 2025.

• Total assets increased 122% YoY to IDR 15.0 trillion.

• Third-Party Funds (TPF) surged 748% YoY to IDR 8.4 trillion.

• Net interest income grew 171% YoY to IDR 667.6 billion; gross interest income up 237% to IDR 904.7 billion.

• Net Interest Margin (NIM) improved to 10.2% from 8.1% YoY.

Key financial ratios and metrics

• Cost to Income Ratio (CIR) dropped to 74.2% from 149.9%, reflecting improved efficiency.

• Gross NPL declined to 2.0% and Net NPL at 0.98%, indicating strong asset quality.