Makassarviral.com, Makassar, Kamis, 05/11/2026 — SeaBank recorded a net profit after tax of Rp362.7 billion in Q3 2026 and Rp1.11 trillion in the first nine months, driven by strong credit growth and high capital adequacy.
Strong Business Fundamentals
Capital adequacy ratio reached 20.05%, well above regulatory requirements, while gross NPL was 1.84% and net NPL 0.14% in September 2026.
Loan disbursement rose to Rp42.86 trillion, up from Rp28.58 trillion a year earlier.
Total assets grew to Rp58.42 trillion, an increase of Rp39.6 trillion from the previous year.
“Pencapaian laba bersih ini mencerminkan tingginya tingkat kepercayaan masyarakat,” kata Sasmaya Tuhuleley, Direktur Utama PT Bank Seabank Indonesia, Kamis, 05/11/2026.
He added SeaBank will keep expanding its digital infrastructure to serve a broader population.
The bank posted a net profit after tax of Rp362.7 billion in Q3 2026, contributing to a nine‑month net profit of Rp1.11 trillion, supported by robust credit growth and operational efficiency.
Digital Ecosystem Expansion
By the end of September 2026 SeaBank had more than 39 million customers, with an average of over 21 million daily transactions and a daily money turnover of around Rp8.2 trillion.
The user base growth was fueled by partnerships, direct lending and integration with digital ecosystems.
Fitch Ratings Indonesia assigned SeaBank its first long‑term national rating of AA+(idn) with a stable outlook, citing the bank’s credit profile, support from parent Sea Limited and its strategic role in Indonesia’s digital finance.
An Ipsos survey in September 2026 placed SeaBank ahead of other digital banks in transaction smoothness (67%), app stability (66%), ease of understanding the app (56%) and ease of opening an account (54%).
The strong performance and expanding user base position SeaBank to continue delivering inclusive and sustainable digital banking services across Indonesia.
