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3Q26 Top-line
3Q26 net interest income (NII) reached IDR812bn (+6.5% QoQ, +33.0% YoY) as interest income advanced 8.4% QoQ to IDR1,130bn. Company-reported operating income was IDR1,000bn (+10% QoQ), led by NII; fee income jumped 26% QoQ to IDR187bn. 9M26 NII: +29.6% YoY.
3Q26 Bottom-line
3Q26 net profit came in at IDR109bn (+5.5% QoQ, +51.3% YoY), taking 9M26 to IDR298bn (+49.7% YoY). Provisions expanded 17.9% QoQ to IDR330bn, absorbing 70% of pre-provision operating profit (PPOP) of IDR473bn (+14.8% QoQ). Pre-tax profit gained 6.8% QoQ.
9M26 Balance Sheet
Loans totalled IDR27.9tn (+18.8% YoY, +4.7% QoQ), yet ecosystem lending added only 1.6% QoQ to IDR26.6tn; financial-institution and sharia loans supplied two-thirds of the IDR1.3tn quarterly increase. Deposits climbed 20.8% YoY to IDR28.9tn, CASA 53.4% (Sep 2025: 48.2%). LDR 96.6%.
Important Ratios
9M26 NIM 8.6% (9M25: 8.3%, +29bps YoY): loan yield 10.0%, treasury yield 4.6%, IDR cost of funds 4.0% (Dec 2025: 3.8%). Cost of credit 4.5% of average loans (9M25: 3.9%); LaR 8.7% (5.9%), gross NPL 0.9% (0.4%). CIR 55.2% (58.2%), CAR 27.5% (32.9%). Bank-only, cumulative.
Samuel Sekuritas Indonesia is a leading Indonesian securities brokerage firm. Established in 1997, the firm has grown to become one of the most respected and trusted financial services companies in the country. With a wide range of services and products, Samuel Sekuritas Indonesia has become a trusted partner to many investors, both institutional and individual.
The company offers a variety of financial services, including equity, debt and derivative securities brokerage services, research and portfolio management, asset management and capital market services, as well as a range of other investment solutions. Samuel Sekuritas Indonesia is also a leader in providing financial education and training, and has established itself as a leading provider of investor relations services.
The company has a strong research capability and is committed to providing its clients with up-to-date and reliable market analysis and recommendations. It also has a team of experienced and knowledgeable professionals who are dedicated to providing quality service to its clients. As a result, Samuel Sekuritas Indonesia has become a preferred partner for many investors in Indonesia.
In addition to its financial services, Samuel Sekuritas Indonesia also offers a range of other services, such as corporate finance and advisory services, mergers and acquisitions, and venture capital.
