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3Q26 Top-line
3Q26 net interest income (NII) slipped 8.5% QoQ to IDR2,146bn (-1.4% YoY) as interest expense jumped 18.0% QoQ to IDR1,785bn, while interest income edged up 1.9% QoQ to IDR3,932bn. Fee income eased 19.0% YoY to IDR131bn. 9M26 NII: IDR6,823bn (+3.9% YoY).
3Q26 Bottom-line
3Q26 net profit reached IDR794bn (+19.5% QoQ, +7.5% YoY), taking 9M26 to IDR2,158bn (+1.8% YoY). Provisions dropped 72.7% QoQ and 73.2% YoY to IDR86bn, covering a pre-provision operating profit (PPOP) of IDR1,128bn (-5.7% QoQ, -13.1% YoY). Pre-tax profit gained 18.4% QoQ.
9M26 Balance Sheet
Loans totalled IDR142.4tn at 30 Sep 2026 (+1.9% QoQ, down 1.8% YTD). Deposits reached IDR149.8tn (+3.6% QoQ, flat YoY at -0.1%) as time deposits climbed 5.6% QoQ; CASA slid to 40.9% (30 Jun 2026: 42.0%). Loans-to-deposits 95.0% consolidated, LDR 90.1% bank-only. Securities IDR54.4tn, 23% of assets.
Important Ratios
9M26 NIM 4.39% (9M25: 4.24%, +15bps YoY; 6M26: 4.55%). 3Q26 NIM 4.1%, asset yield 7.5% (6M26: 7.2%), cost of funds 4.2% (3.5%). CoC 0.70% in 9M26 (3Q26: 0.25%). CIR 55.2% (9M25: 51.5%, +370bps YoY). 9M26 vs 9M25: NPL 3.04% vs 3.16%, LaR 9.63% vs 10.56%, CAR 36.65% vs 37.45%.
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.
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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.
