PT Super Bank Indonesia (SUPA) Q3 2025 earnings summary

Executive summary

• Profit before tax reached Rp80.9 billion in Q3 2025, driven by a 176% YoY increase in net interest income to Rp1.1 trillion.

• Customer base expanded to 5 million since the digital app launch in June 2024.

• Daily transaction volume grew over 40% sequentially, supported by digital product innovation and ecosystem integration.

Financial highlights

• Total loan disbursement rose 84% YoY to Rp9.04 trillion by Q3 2025.

• Total assets increased 70% YoY to Rp16.5 trillion.

• Third-party funds (DPK) grew 203% YoY to Rp9.8 trillion.

Key financial ratios and metrics

• Loan to Deposit Ratio (LDR) at 92%, indicating balanced loan and funding growth.

• Net Interest Margin (NIM) improved to 10.64%.

• Cost to Income Ratio (CIR) dropped to 70.14% from 149.65% YoY.

• Gross NPL at 2.83% and Net NPL at 1.21%, reflecting prudent risk management.