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3Q26 Top-line
3Q26 net interest income (NII) reached IDR22.6tn (+5.1% QoQ, +5.3% YoY) as interest income advanced 4.5% QoQ to IDR26.4tn. Company-reported operating income was IDR29.5tn (+5.1% QoQ), led by NII; trading income jumped 31.4% QoQ, fees 1.2%. 9M26 NII: +1.7% YoY.
3Q26 Bottom-line
3Q26 net profit reached IDR 15.7 tn, up 5.6% QoQ and 9.0% YoY, bringing 9M26 net profit to IDR 45.2 tn (+4.2% YoY). Provisions declined significantly by 49.1% YoY to IDR 769 bn in 3Q26 (+2.2% QoQ), while pre-tax profit grew at the slower rate of 7.5% YoY.
9M26 Balance Sheet
Loans expanded 12.6% YoY and 2.7% QoQ to IDR1,063tn, with corporate loans up 20.9% YoY. CASA climbed 10.4% YoY to IDR1,103tn. LDR hit 79.8% (9M25: 75.6%) as securities and secondary reserves slid 9.7% QoQ to IDR462tn.
Important Ratios
9M26 NIM 5.4% (9M25: 5.8%, -35bps YoY); CoC 0.4% gross, 0.3% after recoveries. CIR 29.7% (+52bps YoY). 9M26 vs 9M25: ROE 23.9% vs 24.1%, CAR 27.5% vs 29.9%, gross NPL 1.8% vs 2.1%, LAR 4.6% vs 5.5%. 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.
