得到Grab支持、在印度尼西亚上市的数字银行Superbank在2026年第三季度实现净利润近乎翻了两番，数字信贷的迅猛增长和利息收入的增加推高了收益。
Grab-backed, Indonesia-listed digital bank Superbank nearly tripled its net profit in the third quarter of 2026, as rapid growth in digital lending and higher interest income lifted earnings.
根据该行第三季度业绩报告显示，在7月至9月这一季度，该行实现净利润1173亿印尼盾（合650万美元），较去年同期的396亿印尼盾增长196%。税前利润同比增长199%，达到1507亿印尼盾（合830万美元）；净利息收入增长27%，达到5500亿印尼盾（合3030万美元）。
The bank posted net profit of 117.3 billion rupiah ($6.5 million) in the July-September quarter, up 196% from 39.6 billion rupiah a year earlier, according to its Q3 results presentation. Profit before tax rose 199% year-on-year to 150.7 billion rupiah ($8.3 million), while net interest income increased 27% to 550 billion rupiah ($30.3 million).
报告显示，第三季度，Superbank的数字贷款组合同比增长265%，数字贷款客户群扩大了361%，收到的贷款申请增加了353%。
Superbank’s digital loan portfolio grew 265% year-on-year in the third quarter, while its digital loan customer base expanded 361% and incoming loan applications increased 353%, the presentation showed.
该行将这一增长归因于通过Grab生态系统不断扩展的信贷业务以及日益增长的信贷需求。
The bank attributed the growth to expanding lending through Grab’s ecosystem and rising demand for credit.
2026年前九个月，Superbank录得税前利润3850亿印尼盾（合2120万美元），同比增长376%；净利润飙升近五倍，从去年同期的601亿印尼盾（合330万美元）增至2999亿印尼盾（合1650万美元）。
For the first nine months of 2026, Superbank recorded profit before tax of 385 billion rupiah ($21.2 million), up 376% year-on-year, while net profit rose nearly fivefold to 299.9 billion rupiah ($16.5 million) from 60.1 billion rupiah ($3.3 million) a year earlier.
同期净利息收入增长41.9%，达到1.56万亿印尼盾。总贷款额同比增长52.6%，达到13.8万亿印尼盾（合7.61亿美元）；客户存款增长79.3%，达到17.6万亿印尼盾（合9.706亿美元）。总资产达到27.5万亿印尼盾（合15亿美元），增长66.3%。
Net interest income for the same period increased 41.9% to 1.56 trillion rupiah. Total loans grew 52.6% year-on-year to 13.8 trillion rupiah ($761 million), while customer deposits rose 79.3% to 17.6 trillion rupiah ($970.6 million). Total assets reached 27.5 trillion rupiah ($1.5 billion), up 66.3%.
Superbank行长蒂戈尔·M·西亚汉（Tigor M. Siahaan）在声明中表示：“对我们而言，增长不仅仅在于有多少客户加入我们，更在于我们通过他们使用的金融服务所创造的价值。”
“For us, growth is not simply about how many customers join us, but about the value we create through the financial services they use,” Tigor M. Siahaan, Superbank’s president director, said in a statement.
他补充道：“随着客户数量超过800万，税前利润达到3850亿印尼盾，我们越来越确信，我们以生态系统为驱动的战略能够加速业务增长，同时增强盈利能力。”
“With more than 8 million customers and pre-tax profit reaching Rp385 billion, we are increasingly confident that our ecosystem-driven strategy can accelerate business growth while strengthening profitability,” he added.
Superbank表示，截至9月，其客户基数已超过850万，增长73%，日均交易量达到190万笔。其生态系统战略包括“自助贷款”（Pinjaman Atur Sendiri，简称PAS），这是一种数字信贷产品，允许Grab和OVO用户通过各自的应用程序获取融资，而无需下载Superbank的应用。
Superbank said its customer base had surpassed 8.5 million as of September, up 73%, with 1.9 million transactions per day. Its ecosystem strategy includes Pinjaman Atur Sendiri (PAS), a digital lending product that allows Grab and OVO users to access financing through their respective apps without downloading Superbank’s application.
该行还在第三季度推出了“充值与支付”（Top-Up & Bayar）功能，允许客户通过其应用程序充值电子钱包余额、购买手机话费和支付账单。其演示文稿重点介绍了与其他品牌的合作以及即将开展的19项合作，以鼓励更频繁的交易。
The bank also introduced a Top-Up & Bayar feature during the third quarter, allowing customers to top up e-wallet balances, purchase mobile credit and pay bills through its app. Its presentation highlighted partnerships with other brands and 19 upcoming collaborations to encourage more frequent transactions.
Superbank还通过与该网约车平台的合作，将业务拓展至Grab司机的车辆融资。该计划包括为GrabCar Plus Electric所使用的电动汽车提供融资，该行表示，这将帮助司机通过经济实惠的日常租赁安排获得车辆所有权。
Superbank has also expanded into vehicle financing for Grab drivers through its collaboration with the ride-hailing platform. The initiative includes financing for electric vehicles used in GrabCar Plus Electric, which the bank said would help drivers access vehicle ownership through affordable daily rental arrangements.
截至9月，Superbank报告其资本充足率为73.26%，成本收入比为54.16%。其税前净资产收益率达到6.23%，去年同期为2.03%。
As of September, Superbank reported a capital adequacy ratio of 73.26% and a cost-to-income ratio of 54.16%. Its pre-tax return on equity reached 6.23%, compared with 2.03% in the same period last year.
西亚哈安总结道，随着Superbank进入2026年的最后一个季度，该行将继续专注于深化生态系统整合、开发满足不断变化的客户需求的金融服务，并通过更高的运营效率、强有力的公司治理和审慎的风险管理，保持健康、可持续的业务增长。
Siahaan concluded that as Superbank enters the final quarter of 2026, it remains focused on deepening ecosystem integration, developing financial services that address evolving customer needs, and maintaining healthy, sustainable business growth through greater operational efficiency, strong corporate governance, and prudent risk management.