Seabank Achieves KBMI 2 Status with Strong Financial Performance

Significant Core Capital Milestone

PT Bank Seabank Indonesia (Seabank) has officially been categorized as a KBMI 2 bank following the achievement of Rp6 trillion core capital in October 2025. This significant milestone was reached organically through retained earnings, demonstrating the bank's strong financial management and growth capabilities. The upgrade to KBMI 2 category reflects Seabank's growing stature in Indonesia's banking sector.

Financial Highlights

Seabank's financial performance through September 2025 shows 40.12% year-on-year (YoY) growth in net profit to Rp408.49 billion. This impressive growth was primarily driven by a 47.82% increase in net interest income to Rp5.80 trillion. The bank's ability to grow profitably is attributed to its effective business strategies and increasing customer trust. Key financial metrics include:

• Net interest income growth of 47.82% YoY to Rp5.80 trillion
• Total assets reaching Rp39.6 trillion, up 20% YoY
• Return on Assets (ROA) improving to 1.9%
• Credit disbursement growing 44.83% YoY to Rp28.58 trillion
• Third-party funds (DPK) increasing 20% YoY to Rp30.52 trillion

Business Strategy and Outlook

Seabank's management has emphasized a commitment to organic growth and sustainable operations. The bank plans to continue focusing on serving the MSME sector through innovative financial solutions and enhanced customer education. While there are no immediate plans for an Initial Public Offering (IPO), the bank is targeting further growth that could potentially lead to an upgrade to KBMI 3 by year-end. The bank's digital banking capabilities and customer-centric approach remain key drivers of its growth strategy.