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Penjelasan Pos Tertentu atas LKFS Juni 2026.pdf
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Penjelasan atas Laporan Keuangan PT Super Bank Indonesia Tbk. Tanggal 30 Juni 2026
Total Aset Bank pada tanggal 30 Juni 2026 tercatat sebesar Rp27.006 miliar, mengalami
peningkatan sebesar Rp5.724 miliar atau 26,90% dibandingkan dengan posisi pada tanggal
31 Desember 2025 yaitu sebesar Rp21.282 miliar. Peningkatan ini terutama disebabkan oleh
meningkatnya jumlah penyaluran kredit kepada nasabah. Selain itu, total Liabilitas tercatat
sebesar Rp18.750 miliar pada 30 Juni 2026, meningkat sebesar Rp5.632 miliar atau 42,93%
dibandingkan dengan posisi 31 Desember 2025 yaitu sebesar Rp13.118 miliar. Hal ini
terutama didorong oleh adanya pertumbuhan jumlah nasabah yang disebabkan oleh semakin
kuatnya kepercayaan masyarakat terhadap Bank, serta transaksi yang kuat didukung oleh
integrasi layanan dengan Grab dan OVO yang tumbuh pesat sehingga hal ini turut mendorong
peningkatan di seluruh indikator utama keuangan bank.
Adapun perubahan penting pada pos-pos neraca selama periode tersebut adalah sebagai
berikut:
1. Penempatan pada Bank Indonesia dan Bank Lain
Penempatan pada Bank Indonesia dan bank lain pada 30 Juni 2026 sebesar Rp900
miliar, mengalami penurunan sebesar Rp909 miliar atau -50,25% dibandingkan dengan
posisi 31 Desember 2025 yaitu sebesar Rp1.809 miliar, penurunan ini sebagai bagian
dari strategi taktis manajemen aset dan liabilitas.
2. Efek-Efek - Bersih
Efek-efek - Bersih pada 30 Juni 2026 sebesar Rp8.444 miliar naik sebesar Rp591 miliar
atau 7,53% dibandingkan dengan posisi 31 Desember 2025 yaitu sebesar Rp7.853
miliar. Peningkatan ini antara lain didorong oleh adanya pertumbuhan likuiditas bank
yang sangat baik yang diperoleh dari aktivitas penghimpunan dana pihak ketiga.
3. Kredit yang diberikan
Penyaluran Kredit yang diberikan pada 30 Juni 2026 mencapai Rp13.436 miliar, tumbuh
sebesar Rp3.818 miliar atau 39,70% dibandingkan dengan posisi 31 Desember 2025
yaitu sebesar Rp9.618 miliar, pertumbuhan ini disebabkan oleh adanya berbagai
integrasi yang dilakukan oleh Bank dengan ekosistem Bank, yang pada akhirnya
meningkatkan jumlah penyaluran kredit bank, khususnya Pinjaman Atur Sendiri.
4. Simpanan Nasabah : Giro
Giro nasabah pada 30 Juni 2026 mencapai Rp466 miliar, tumbuh sebesar Rp172 miliar
atau 58,50% dibandingkan dengan posisi 31 Desember 2025 yaitu sebesar Rp294 miliar,
kenaikan ini terutama berasal dari peningkatan giro korporasi.
5. Simpanan Nasabah : Tabungan
Tabungan nasabah pada 30 Juni 2026 mencapai Rp3.012 miliar, tumbuh sebesar Rp777
miliar atau 34,77% dibandingkan dengan posisi 31 Desember 2025 yaitu sebesar
Rp2.235 miliar, kenaikan ini terutama didorong oleh adanya peningkatan jumlah nasabah
serta didukung oleh kepercayaan nasabah yang semakin meningkat atas kinerja dan
keamanan Bank.
6. Simpanan Nasabah : Deposito
Deposito nasabah pada 30 Juni 2026 sebesar Rp12.454 miliar, tumbuh sebesar Rp3.156
miliar atau 33,94% dibandingkan dengan posisi 31 Desember 2025 yaitu sebesar
Rp9.298 miliar, kenaikan ini terutama didorong oleh adanya peningkatan jumlah nasabah
serta didukung oleh kepercayaan nasabah yang semakin meningkat atas kinerja dan
keamanan Bank.
PT Super Bank Indonesia
Revenue Tower 28th - 29th Floor, SCBD Lot 13 District 8,
Jl. Jend Sudirman Kav 52-53, 12190, Jakarta, Indonesia
Telepon 021 50155550
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Explanation of Financial Statements of PT Super Bank Indonesia Tbk.
As of June 30, 2026
______________________________________________________________________
The Bank's Total Assets as of June 30, 2026, were recorded at IDR 27,006 billion,
representing an increase of IDR 5,724 billion (26.90%) compared to IDR 21,282 billion
as of December 31, 2025. This increase was primarily driven by the growth in loans
disbursed to customers.
In addition, Total Liabilities were recorded at IDR 18,750 billion as of June 30, 2026,
increasing by IDR 5,632 billion (42.93%) compared to IDR 13,118 billion as of
December 31, 2025. This was mainly driven by growth in the customer base resulting
from strengthening public trust in the Bank, as well as robust transactions supported by
rapidly growing service integration with Grab and OVO, which further drove increases
across all key financial indicators of the bank.
Key Balance Sheet Line - Item Changes
1. Placements with Bank Indonesia and Other Banks
Placements with Bank Indonesia and other banks as of June 30, 2026, stood at IDR 900
billion, decreasing by IDR 909 billion (-50.25%) compared to IDR 1,809 billion as of
December 31, 2025. This decrease was part of management's tactical asset and liability
strategy.
2. Marketable Securities – Net
Net Marketable Securities as of June 30, 2026, stood at IDR 8,444 billion, an increase
of IDR 591 billion (7.53%) compared to IDR 7,853 billion as of December 31, 2025. This
increase was driven, among other things, by excellent bank liquidity growth derived from
third-party fund mobilization.
3. Loans Provided
Loans disbursed as of June 30, 2026, reached IDR 13,436 billion, growing by IDR 3,818
billion (39.70%) compared to IDR 9,618 billion as of December 31, 2025. This growth
resulted from various ecosystem integrations executed by the Bank, which ultimately
increased total bank credit disbursement—specifically Pinjaman Atur Sendiri (Flexible
Loans) and smooth ecosystem integration that boosted customer numbers and overall
credit demand.
4. Customer Deposits: Current Accounts
Current accounts as of June 30, 2026, reached IDR 466 billion, growing by IDR 172
billion (58.50%) compared to IDR 294 billion as of December 31, 2025. This increase
was primarily driven by growth in corporate current accounts.
5. Customer Deposits: Savings Accounts
Savings accounts as of June 30, 2026, reached IDR 3,012 billion, growing by IDR 777
billion (34.77%) compared to IDR 2,235 billion as of December 31, 2025. This increase
was driven primarily by an increase in customer volume, supported by growing customer
confidence in the Bank's performance and security.
6. Customer Deposits: Time Deposits
Time deposits as of June 30, 2026, stood at IDR 12,454 billion, growing by IDR 3,156
billion (33.94%) compared to IDR 9,298 billion as of December 31, 2025. This increase
was driven primarily by an increase in customer volume, supported by growing customer
confidence in the Bank's performance and security.
PT Super Bank Indonesia
Revenue Tower 28th - 29th Floor, SCBD Lot 13 District 8,
Jl. Jend Sudirman Kav 52-53, 12190, Jakarta, Indonesia
Telepon 021 50155550
Names mentioned 4 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
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Bank Lain Penempatan
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PT Super Bank Indonesia Revenue Tower
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