Slides
Page 1
Results Presentation Q2 2026 PT Super Bank Indonesia Tbk 9:41 Handoko Hadiningrat Putro 000002501150 Total Saldo Rp500.000,00 Tambah Uang Tap sekejap mantap www.superbank.id A جاس Transfer D PAS Kartu Untung Deposito Celengan Pinjaman Pinjaman Atur Sendiri Baru Fleksibel dan PAS buatmu Pinjaman yang bisa kamu pake dan bayar kapan aja . Yuk , cek dan daftar ! superbank
Page 2
Pre Tax ROE What We Have Achieved So Far Breakeven Loan Growth 9 Months after launched 61% YoY June 2026 June 2026 15 months after breakeven 5.7%
Page 3
What is Superbank : The Pillars of Our Solid Growth Seasoned Bankers Strong Tech Capabilities Integrated with Massive Ecosystems Operating in Underpenetrated Country
Page 4
Hermawan T. Chief Product Officer Tigor M Siahaan Chief Executive Officer Amalia Pratantara Chief Compliance Officer Yenny Zannuba Wahid Independent Commisioner Anton Hermanto Gunawan President Commisioner Sukiwan Chief Business Officer Itjang Wibisono Chief Administrative Officer Jenny Tjandra Chief Risk Officer Ditesh Kumar Chief Technology Officer Neneng Goenadi Commisioner Bhavana Vatvani Chief Operating Officer Melisa Hendrawati Chief Financial Officer Ike Nerfita Chief HR Officer Cut Tashana Azia Chief Internal Audit Board Of Commissioners Board Of Directors Senior Management Committee Management Team Led by Proven Industry Leaders
Page 5
50.9% 8.7% 27 .7% Public 1# media and entertainment powerhouse in indonesians Southeast Asiaʼs leading superapp with millions of active users across its platform Korea's first and one of the most prominent digital banks Shareholding Structure & Ecosystem As per 30 June 2026 Controlling Shareholders Controlling Shareholders Since 31 May 2026, Superbank’s Financial has been consolidated into Grab’s
Page 6
A Lighter Way to Bank, Built with Essential Banking Solution Essential Banking Solutions Savings, Terms Deposit, Saku, Celengan, Kartu Untung, Digital Lending, along with payment capabilities: transfer RTOL/ BI Fast, QRIS. Every banking needs in one app. 53% A LIGHTER APP, NOT A LIGHTER BANKING PRODUCT smaller on ios Superbank App size vs market average 65% smaller on androidFull savings, lending, payment and reward suite without the bloated download banking apps carry. Customer Care, Built In Support SuperCare in-app chat puts real support one tap away, 24/7 supporting. No leaving app, no waiting on hold. Top Notch Security Advanced Mobile Security Protection detects and prevents sophisticated attacks and integrates with Anti-Fraud Management System resulting in proactive fraud analysis. Secure by Design. Tabungan Utama Fee-free core account with 5% p.a interest Terms Deposit Flexible tenors & High-yield up to 7.5% p.a Kartu Untung Daily reward designed to build saving habits. Fund Transfer Real time and BI FAST provided Saku Goal-based account with 5% p.a interest QRIS Seamless QRIS payments with flexible funding options Celengan Round up/ daily auto- savings 10% p.a interest Pinjaman Atur Sendiri Flexible and straight through process digital lending
Page 7
Making Banking Invisible, Effortless and Part of Everyday Life Superbank is part of user’s everyday life via Grab & OVO native integration . This is a one embedded strategy spanning rides, food, mart, bills, shopping, and loan. Superbank surfaces at the exact moment decision is made. EMBEDDED ACROSS THE FULL DAILY JOURNEY Rides GrabBike & GrabCar) Food (GrabFood & Grab Dine Out) Bill Payments (OVO) Shopping & Top-Up (OVO) QRIS Payments Embedded Digital Lending (Pinjaman Atur Sendiri) Glance of Superbank embedded financing suite Superbank Seamlessly Embedded at GrabCar & GrabFood checkout Superbank surfaces automatically at every ride and food order checkout, other Grab transactions, not a separate step, just how paying works. Seamless wallet upgrade, Superbank behind every OVO Nabung transaction One seamless wallet upgrade turns OVO wallet into OVO Nabung, a Superbank-powered engine for every routine bills. Embedded Straight Through Process Digital Loan: Pinjaman Atur Sendiri Embedded seamless digital loan via single-tap loans inside both Grab and OVO app with a straight through decision process. Groceries (GrabMart) xxxxxx xxxxxx xxxxxx xxxxxx
Page 8
Providing Access to Financing Through Our Digital Loan Embedded PAS Onboarding Impact Jan 26 Mid Mar 26 Embedded PAS Onboarding of Incoming PAS Applications from OVO 94 % PAS Incoming # of Application In Million
Page 9
Our transaction volume has established a strong baseline, with clear indicators for continued growth. Moving past core savings and lending, our transactional services have shown robust expansion Total Digital Customers Jun 26 vs Jun 25 # of Transaction Transaction Value +477% +379% Jun 26 vs Jun 25 # of Transaction Transaction Value +123% +99% # of Transactions per Day (Million Customers) (Million Transactions) 86 % 16 8%
Page 10
Partnership in action: Fueling significant surge in transactions through our KakaoBank collaboration Kartu Untung Gamified Saving-Rewards, where each day the user can get a reward of up to IDR 1 million, only by deposit IDR50k one time. Superbank x Kakaobank >1 Million User Leading to 20-30% More Transactions Increasing Stickiness, where “7 days challenge” users is growing by 17% 62% of top users playing the game a morning routine
Page 11
Driven by User Feedback, New Saku Evolve to a Custom Goal Saving We hear the feedback from the users, where they have been using our Saku for selected use cases, helping them reach their saving dream and expense management along with the continuous improvement of unconscious saving concept, Saku providing the flexible auto save concept. Various custom templates of New Saku • Personalized goal based savings pockets with various custom templates • Auto saving concept • 5% p.a. interest • Built-in QRIS payment capability
Page 12
QRIS Key Financials (Balance Sheet Highlights) Sustained growth in deposits and loans, powered by digital customer expansion In IDR Tn In IDR Tn In IDR Tn 82%Total Assets Total Loan Total Third Party Funds 89% 61% In IDR Tn Total Liabilities 96%
Page 13
Key Financials (P/L Highlights) Net profit continues its upward trajectory, driven by loan expansion and a disciplined approach to operational efficiency In IDR Bn In IDR Bn In IDR Bn Interest Income Profit Before Tax NPAT 44% 415% 343% In IDR Bn Net Interest Income 26%
Page 14
QRIS Key Financials Financial Ratios) Driving Margin Expansion: Significant reduction in Cost-to-Income ratio coupled with improving NPL Pre Tax Return on Equity Pre Tax Return on Asset NIM Loan to Deposit Ratio NPL - Gross CIR CAR 8.7% 74.5%