PT Super Bank Indonesia Tbk (SUPA)

Overview

PT Super Bank Indonesia Tbk is a digital-first regional bank that has established a significant presence in Indonesia's financial sector. Founded in 1993 as PT Bank Fama International, the institution underwent a substantial transformation to embrace a tech-driven banking model and subsequently rebranded as Superbank. This transformation emphasizes the provision of seamless digital banking services, tailored to meet the evolving needs of customers in the modern economy.

The bank's core mission is to deliver innovative financial products through deep collaborations with leading digital platforms such as Grab and OVO. This enables the bank to facilitate rapid customer onboarding, implement direct debit functionalities, and ensure same-day merchant settlements, thereby streamlining financial transactions and improving user experiences. With a robust backing from influential shareholders including Emtek, Grab, Singtel, and KakaoBank, PT Super Bank Indonesia Tbk has seen substantial growth, exceeding 4 million customers by mid-2025. The bank prides itself on a tech-centric workforce, with nearly 50% of employees engaged in engineering, data science, and product development, all operating on a comprehensive cloud-based infrastructure fortified by AI-driven credit scoring and strong cybersecurity measures.

Products and Services

• Main Savings: A primary savings account designed for everyday banking needs, offering competitive interest rates and easy accessibility to funds, catering to both individuals and businesses.
• Saku goal-based mini-accounts: These mini-accounts encourage savings by allowing customers to set specific financial goals, promoting disciplined saving habits and financial planning.
• Term Deposits: Customers can invest in term deposits with attractive interest rates reaching up to 10% per annum, providing a secure opportunity for savings growth over fixed terms.
• Celengan micro-savings: A micro-savings product aimed particularly at encouraging small-scale saving habits among users, allowing clients to save small amounts regularly via digital means.
• Pinjaman Atur Sendiri (PAS): This is a fully digital, customizable unsecured loan product that offers quick approvals and transparent terms, providing greater flexibility for borrowers to tailor loan amounts and repayment structures to their needs.