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3Q26 Top-line
3Q26 net interest income of IDR 10,953bn fell 2.7% QoQ though it was up 12.5% YoY. Interest income grew 8.9% QoQ to IDR 21,377bn while interest expense rose 24.5% QoQ to IDR 10,424bn. 9M26 NII of IDR 33,238bn grew 13.6% YoY on loans up 22.2% YoY.
3Q26 Bottom-line
3Q26 net profit of IDR 5,360bn rose 5.2% QoQ and 6.8% YoY, but PPOP of IDR 9,037bn fell 1.5% QoQ, a third consecutive quarterly decline. The quarter was carried by provisions, down 36.8% QoQ to IDR 1,874bn, with bank-only credit cost at 0.7% against 1.2% in 2Q26.
9M26 Balance Sheet
Loans reached IDR 992.5tn at Sep-26, up 2.5% QoQ and 22.2% YoY, against the company's own FY26 aspiration of 10.0% to 13.0% YoY. Third-party funds grew 20.4% YoY to IDR 1,124.6tn, led by time deposits up 21.8% YoY. Bank-only LDR 87.9%, CASA ratio 65.2%.
Important Ratios
Bank-only NIM was 3.3% in 3Q26 against 3.6% in 2Q26, and 3.5% in 9M26 against 3.8% in 9M25. Cost of third-party funds rose 53bps QoQ to 3.16%. CIR reached 48.2% in 3Q26 from 45.6% in 2Q26. ROAE 13.3% in 9M26, bank only. CAR 19.2% against 21.1% a year earlier.
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.
