PT Super Bank Indonesia (SUPA) Q4 2025 earnings summary

Executive summary

• Audited financial statements for the year ended 31 December 2025 received an unqualified opinion from KPMG, confirming fair presentation in accordance with Indonesian Financial Accounting Standards.

• The Bank completed an IPO in December 2025, raising Rp 2.73 trillion and listing 4.4 billion new shares, increasing capital and share premium.

• Net profit for 2025 reached Rp 99.7 billion, a turnaround from a net loss of Rp 366.4 billion in 2024.

Financial highlights

• Total assets grew to Rp 21.3 trillion as of 31 December 2025, up from Rp 11.4 trillion at year-end 2024.

• Loans receivable (net) increased to Rp 9.2 trillion from Rp 6.1 trillion, with retail and MSME loans comprising 41.6% of the portfolio.

• Customer deposits rose to Rp 11.8 trillion, compared to Rp 4.9 trillion in 2024.

• Net interest income surged to Rp 1.58 trillion (2024: Rp 606.8 billion).

• Operating expenses increased to Rp 1.47 trillion (2024: Rp 1.03 trillion), mainly due to higher general/admin and personnel costs.

• Allowance for impairment losses on loans stood at Rp 418.7 billion.

• Basic and diluted EPS for 2025 was Rp 3.3, compared to a loss per share of Rp 13.0 in 2024.

Outlook and guidance

• The Bank is positioned for further growth following the IPO, with strengthened capital and a focus on digital and non-legacy business expansion.

• Management continues to monitor macroeconomic variables and credit risk, applying forward-looking ECL models.