Editor’s Note
- Superbank posts IDR 143.3 billion pre-tax profit in 2025, official rating upgrade
- Strong and prudent financial growth
- Synergy with the shareholder ecosystem as key to growth
Superbank posts IDR 143.3 billion pre-tax profit in 2025, official rating upgrade
PT Super Bank Indonesia Tbk (IDX: SUPA; “Superbank”), a digital bank backed by Grab, Emtek, Singtel, KakaoBank, and GXS, closed 2025 with solid financial results and reached a strategic milestone as a publicly listed company following its initial public offering (IPO) on the Indonesian stock exchange in December 2025.
In 2025, Superbank posted a pre-tax profit (PBT) of IDR 143.3 billion, confirming the success of its disciplined and sustainable ecosystem-based digital business model. The successful IPO has strengthened the company’s capital structure and officially placed Superbank in the Commercial Banks category based on core capital (KBMI) 2.
Tigor M. Siahaan, President and CEO of Superbank, stated that 2025 is a year of transformation for Superbank. We made a profit for the first time in the first quarter of 2025 and closed the year with strong growth across all key indicators.
“The momentum of the IPO not only strengthens our capital structure but also increases customer confidence in Superbank as a bank with sound, efficient, and relevant digital services. This achievement reflects strategic consistency, solid governance, and strong synergy with the ecosystem in expanding access to digital financial services in Indonesia,” said Siahaan.
Strong and prudent financial growth
Performance in 2025 is supported by strong revenue growth and continued prudent lending. Net interest income (NII) rose by 160% year-on-year to 1.6 trillion Indonesian rupees (IDR), in line with credit growth of 50% year-on-year to 9.6 trillion IDR, primarily in the retail and SME segments.
T&C financing (TPF) also grew significantly by 139% year-on-year to 11.8 trillion IDR, while total assets increased by 87% year-on-year to 21.3 trillion IDR, indicating healthy and moderate business expansion.
In line with the increasing business size, operational efficiency showed a significant improvement, which is reflected in the cost-benefit ratio (CIR), which decreased to 70.52% from 139.16% in the previous year. Asset quality remained strong, with a gross non-performing loan (NPL) ratio of 2.60% and a net NPL ratio of 0.68%, supported by a healthy liquidity structure with a loan-to-deposit ratio (LDR) of 81.32%. The net interest margin (NIM) also rose to 10.64%, further strengthening the company’s profitability.
Synergy with the shareholder ecosystem as key to growth
In line with this financial growth, Superbank continues to expand its digital services through strategic partnerships within the ecosystem, including the launch of OVO Savings by Superbank, Kartu Untung (Profit Card) with KakaoBank, and the integration of Self-Management Loan (PAS) applications directly via the Grab and OVO apps. Since the launch of the digital application in June 2024, the company has served more than 6 million customers with an average transaction volume of over 1 million per day. This reflects the high level of adoption and user engagement within Superbank’s digital ecosystem.
Superbank, which enters 2026 as a KBMI 2 bank, is optimistic about continuing its sustainable growth with a focus on technological innovation, strengthening synergies within the ecosystem, and implementing prudent risk management to create long-term added value for shareholders and all stakeholders. ***rel
