Pt Super Bank Indonesia Tbk · IDX:SUPA
Pt Super Bank Indonesia Tbk — Investor Presentation (2025)
20 slides from Pt Super Bank Indonesia Tbk's investor presentation, 2025
Slide 1: PT Super Bank Indonesia Company Presentation 2025
PT Super Bank Indonesia Company Presentation 2025
Slide 2: Indonesia's Leading Multi-Ecosystem Driven Digital-focused Bank
1 Indonesia’s Leading Multi- Ecosystem Driven Digital– focused Bank 1
Slide 3: Indonesia's Leading Multi-ecosystem Driven Digital-First Bank
1 | Indonesia’s Leading Multi-ecosystem Driven Digital-First Bank Superbank is one of Indonesia's fastest growing digital-first banks, backed by a data-driven multi-ecosystem aimed to deliver innovative digital banking solutions for the underbanked and MSME segment • The entry of Grab Group through
Slide 4: #BeSuper
1 | Indonesia’s Leading Multi-ecosystem Driven Digital-First Bank (Cont’d) Think Make an Bold Impact Do The Win As Right Thing One Move With Speed #BeSuper 3
Slide 5: Indonesia's Leading Multi-ecosystem Driven Digital-First Bank (Cont'd) - Awards
1 | Indonesia’s Leading Multi-ecosystem Driven Digital-First Bank (Cont’d) In the first year since its launch, Superbank has been honored with over 10 awards from highly respected institutions. • Best Customer Service Reputation - 6th Iconomics Indonesia Best Financial Awards 2024 • Best Expansive D
Slide 6: Multi-ecosystem shareholders driving platform integration and synergies
1 | Indonesia’s Leading Multi-ecosystem Driven Digital-First Bank (Cont’d) Superbank, backed by its shareholders’ extensive multi-ecosystem networks drives seamless platform integration and powerful synergies 10.0% South Korea’s First and one of the most prominent digital banks 31.1% 8.5% Leading Me
Slide 7: Highly Experienced Leadership Driving Sustainable Strategic Growth
1 | Highly Experienced Leadership Driving Sustainable Strategic Growth Superbank diverse team brings together a unique blend of expertise from various fields, including banking, technology, consulting, and product design Today’s Presenters Tigor M. Melisa Bhavana Ditesh B. Vatvani Kumar Sukiwan Siah
Slide 8: Innovative Product Launches and Rapid Expansion of Users, Deposits and Loans
2 Innovative Product Launches and Rapid Expansion of Users, Deposits and Loans 7
Slide 9: Innovative Product Launches and Rapid Expansion of Users, Deposits and Loans
2 | Innovative Product Launches and Rapid Expansion of Users, Deposits and Loans Superbank provides a broad suite of digital savings products with competitive interest rates, tailored to serve diverse customer segments and income levels. Tabungan Utama (Main Savings Account) Saku by Superbank • Supe
Slide 10: Pinjaman Atur Sendiri (PAS) digital lending product
2 | Innovative Product Launches and Rapid Expansion of Users, Deposits and Loans (Cont’d) In Dec24, Superbank launched its flagship fully-digital lending product, Pinjaman Atur Sendiri (“PAS”) featuring a fully automated straight-through process, from application to disbursement. Pinjaman Atur Sendi
Slide 11: Ecosystem partnerships with Grab and OVO
2 | Innovative Product Launches and Rapid Expansion of Users, Deposits and Loans (Cont’d) Superbank leverages strategic ecosystem partnerships with Grab and OVO, delivering seamless embedded experiences and exclusive features, positioning it among Indonesia’s top digital banks for integrated conveni
Slide 12: Cross-promotion and marketing across Grab and OVO
2 | Innovative Product Launches and Rapid Expansion of Users, Deposits and Loans (Cont’d) Integrated within Grab and OVO, Superbank unlocks powerful cross-promotion and marketing opportunities to accelerate growth The Only Stackable Cross-Promotion for QRIS Promotions with Strategic Partners Superba
Slide 13: AI and Tech-First DNA Powering Innovation and Scalability
3 AI and Tech-First DNA Powering Innovation and Scalability 12
Slide 14: AI and Tech-First DNA Powering Innovation and Scalability
3 | AI and Tech-First DNA Powering Innovation and Scalability As a Tech-First bank, Superbank's foundation lies in innovative technology, supported by strong technical expertise and commitment to continuous development Formed a Strong Modern Technology AI Integration Strong Cybersecurity Digital Ban
Slide 15: Cybersecurity and Cloud Cost Optimization Pillars
3 | AI and Tech-First DNA Powering Innovation and Scalability (Cont’d) Superbank is driven by one of the fastest innovation cycles in the industry, ensuring cybersecurity and tech-driven cost optimization to lower expenses even as Superbank's customer base grows 3 Pillars of Cybersecurity 3 Pillars
Slide 16: Strong Financial Performance and Robust Asset Quality
4 Strong Financial Performance and Robust Asset Quality 15
Slide 17: Income Statement Highlights
4 | Strong Financial Performance and Robust Asset Quality Income Statement Highlights Strong operating income growth at 168% YoY growth 1H25; achieved profitability in 1Q25, only 9 months after public launch Total Operating Income(1) Net Interest Income & Net Interest Margin(2) (IDR bn) (IDR bn) 5.4
Slide 18: Balance Sheet Highlights
4 | Strong Financial Performance and Robust Asset Quality Balance Sheet Highlights Strong loan and deposit growth in late 2024 continued in 2025, mainly driven by consumer loans and number of customers Total Assets, Liabilities, Equity Loans by Type (IDR tn) % of Loans 27.5% 14.9 38.2% 50.4% 11.4 71
Slide 19: Key Performance Ratios
4 | Strong Financial Performance and Robust Asset Quality Key Performance Ratios Superbank’s tech-driven risk management approach has been a major driving factor in improving credit cost and capital adequacy ratios Credit Cost(1) Capital Adequacy Ratio(3) (%) (%) 16.8% 253.6% 185.6% 8.8% 95.8% 74.7%
Slide 20: Thank You
THANK YOU Gf superbank
PT Super Bank Indonesia — Investor Presentation (2025) on 6ix