PT Super Bank Indonesia (SUPA) investor relations material

Strategic evolution and ecosystem integration

• Transitioned from PT Bank Fama International to a digital-first bank, rebranding as Superbank and integrating with Grab and OVO ecosystems, driving rapid customer acquisition and product innovation.

• Backed by major shareholders including Emtek, Grab, Singtel, and KakaoBank, leveraging extensive multi-ecosystem networks for seamless platform integration and synergies.

• Achieved over 4 million customers by 1H25, with continuous product launches and ecosystem collaborations fueling growth.

• Recognized with over 10 industry awards for digital innovation, customer service, compliance, and product excellence.

Product innovation and user growth

• Offers a suite of digital savings products: Main Savings, Saku (goal-based mini-accounts), Term Deposits, and Celengan (micro-savings), with interest rates up to 10% p.a.

• Launched Pinjaman Atur Sendiri (PAS), a fully digital, customizable unsecured loan with transparent terms and rapid approval.

• Deep integration with Grab and OVO enables seamless onboarding, direct debit, and same-day settlements for merchants, enhancing user and merchant engagement.

• Cross-platform promotions and embedded banking features drive adoption and engagement across partner ecosystems.

Technology and operational excellence

• Operates as a tech-first bank with ~50% of staff in engineering, data science, and product roles; fully cloud-based infrastructure and frequent product deployments.

• Implements robust cybersecurity frameworks and cost optimization strategies, maintaining high uptime and operational efficiency.

• Data-driven underwriting and AI-powered credit scoring enhance risk management and customer experience.