SeaBank's Q3 2025 Financial Highlights

Strong Profit Growth

SeaBank Indonesia's net profit for Q3 2025 reached Rp408.49 billion, marking a significant 40.12% year-on-year increase compared to Rp291.52 billion in the same period last year. This growth was primarily driven by the bank's successful business strategies and increasing customer trust.

Key Financial Metrics

• Net interest income grew 47.82% YoY to Rp5.80 trillion, supported by a 41.88% increase in interest income to Rp6.75 trillion
• Interest expense rose 13.76% YoY to Rp944.93 billion
• Total assets reached Rp39.6 trillion, up 20% YoY
• Credit disbursement increased 44.83% YoY to Rp28.58 trillion
• Third-party funds grew 20% YoY to Rp30.52 trillion
• CASA ratio improved to 68% from 65% in the same period last year

Operational Performance

The bank's financial performance was supported by strategic business decisions and operational efficiency. Other operating expenses rose 47.81% YoY to Rp5.28 trillion, with impairment costs increasing 59.49% YoY to Rp4.37 trillion. Despite these increases, the bank maintained a return on assets (ROA) of 1.9%.

Business Outlook

SeaBank's strong growth in credit disbursement and third-party funds demonstrates its successful digital banking strategy. The bank's ability to optimize joint financing, channeling with P2P lending, and direct lending has contributed significantly to its asset growth. Continued focus on these areas is expected to drive future performance.