Executive Summary

Key insights and market outlook

PT Super Bank Indonesia Tbk (SUPA) recorded a profit of Rp122.4 billion by November 2025, marking a significant turnaround from a loss of Rp388 billion in the same period last year. This achievement was driven by 165% YoY growth in net interest income to Rp1.4 trillion, supported by consistent intermediation growth. The bank's total assets grew 69% YoY to Rp18.0 trillion, while third-party funds reached Rp11.0 trillion, up 149% YoY.

Full Analysis

02

Deep Dive Analysis

Superbank Achieves Profitability in 2025

Significant Turnaround in Financial Performance

PT Super Bank Indonesia Tbk (SUPA), a digital bank within Grab's ecosystem, has achieved a significant financial turnaround by recording a profit of Rp122.4 billion by November 2025 ¹

². This marks a substantial improvement from the loss of Rp388 billion during the same period in 2024 ¹. The positive performance was primarily driven by a 165% year-on-year (YoY) growth in net interest income, which reached Rp1.4 trillion ¹².

Strong Growth Across Key Financial Metrics

The bank's financial success was supported by robust growth across various key metrics:

Net Interest Income Growth: Increased by 165% YoY to Rp1.4 trillion ¹
Source 1
https://keuangan.kontan.co.id/news/superbank-supa-catat-laba-rp-1224-miliar-hingga-november-2025
²
Source 2
https://finansial.bisnis.com/read/20251221/90/1938554/superbank-supa-raup-laba-sebelum-pajak-rp1224-miliar-hingga-november-2025
Total Assets: Grew by 69% YoY to reach Rp18.0 trillion by November 2025 ²
Source 2
https://finansial.bisnis.com/read/20251221/90/1938554/superbank-supa-raup-laba-sebelum-pajak-rp1224-miliar-hingga-november-2025
Third-Party Funds (DPK): Increased by 149% YoY to Rp11.0 trillion ²
Source 2
https://finansial.bisnis.com/read/20251221/90/1938554/superbank-supa-raup-laba-sebelum-pajak-rp1224-miliar-hingga-november-2025
Credit Disbursement: Reached Rp9.3 trillion, up 58% YoY ²
Source 2
https://finansial.bisnis.com/read/20251221/90/1938554/superbank-supa-raup-laba-sebelum-pajak-rp1224-miliar-hingga-november-2025

Operational Highlights

Superbank has demonstrated strong operational performance alongside its financial growth:

Successfully served over 5 million customers since its launch in June 2025 ²
Source 2
https://finansial.bisnis.com/read/20251221/90/1938554/superbank-supa-raup-laba-sebelum-pajak-rp1224-miliar-hingga-november-2025
Achieved average daily transactions exceeding 1 million ²
Source 2
https://finansial.bisnis.com/read/20251221/90/1938554/superbank-supa-raup-laba-sebelum-pajak-rp1224-miliar-hingga-november-2025
Experienced a 40% increase in transaction volume during Q3/2025 compared to the previous quarter ²
Source 2
https://finansial.bisnis.com/read/20251221/90/1938554/superbank-supa-raup-laba-sebelum-pajak-rp1224-miliar-hingga-november-2025

Future Prospects and Capital Structure

The successful IPO has enabled Superbank to meet the criteria for KBMI 2 classification, strengthening its capital structure ²

. President Director Tigor M. Siahaan stated that the bank remains focused on developing digital banking services that are relevant to daily needs while maintaining prudent operations and a strong foundation for long-term growth ².

References