Superbank Records 2025 Profit of Rp143.3 Billion, Officially Upgraded to KBMI 2 Category
JAKARTA — PT Super Bank Indonesia Tbk (SUPA) recorded positive performance throughout 2025 with a pre-tax profit of Rp143.3 billion. This achievement occurred in the same year that the digital-based bank officially listed on the Indonesia Stock Exchange through an initial public offering (IPO) in December 2025.
Following the IPO, the company’s capital structure strengthened substantially, placing Superbank in the General Commercial Bank category based on Core Capital (KBMI) 2.
Superbank President Director Tigor M. Siahaan stated that 2025 represented an important period in the company’s trajectory.
“2025 was a transformational period for Superbank,” said Tigor in a written statement. “We recorded profit for the first time in the first quarter of 2025 and closed the year with strong growth across all major indicators.”
“The IPO momentum not only reinforced our capital structure but also further strengthened customer confidence in Superbank as a digital banking service provider that is growing healthily, efficiently, and relevantly,” he said.
“This achievement reflects the consistency of our strategy, solid governance, and strong synergies with the ecosystem in expanding access to digital financial services in Indonesia.”
From an operational performance perspective, net interest income increased 160 per cent year-on-year to Rp1.6 trillion. This increase aligned with credit growth of 50 per cent year-on-year to Rp9.6 trillion, particularly in the retail and micro, small, and medium-sized enterprise (MSME) segments.
Third-party funds also grew significantly by 139 per cent year-on-year to Rp11.8 trillion. Meanwhile, total assets increased 87 per cent year-on-year to Rp21.3 trillion.
The improvement in business scale was accompanied by enhanced operational efficiency. This was reflected in the cost-to-income ratio (CIR), which improved to 70.52 per cent compared to 139.16 per cent in the previous year.
Additionally, net interest margin (NIM) increased to 10.64 per cent, strengthening the company’s profitability fundamentals.
Alongside this financial growth, Superbank also expanded its digital service penetration through collaboration within the shareholder ecosystem. Several initiatives launched include OVO Nabung by Superbank, Kartu Untung (Lucky Card) with KakaoBank, and integration of Self-Arranged Loan (PAS) applications through Grab and OVO.
Since launching its digital application in June 2024, Superbank has served more than 6 million customers. The average transactions recorded even exceeded 1 million transactions per day.
As Superbank enters 2026 as a KBMI 2 bank, it has stated that it will continue its growth strategy with a focus on technology innovation, strengthening ecosystem synergies, and implementing prudent risk management to create long-term value for shareholders and stakeholders.