Sulseltimes.com, Jakarta, Kamis, 05/11/2026 — SeaBank recorded positive financial performance in Q3 2026, posting a net profit after tax of Rp362.7 billion. The bank achieved a net profit of Rp1.11 triliun over nine months, driven by robust credit growth and operational efficiency.
- Net profit after tax Rp362.7 billion in Q3 2026; Net profit Rp1.11 triliun in nine months; Capital adequacy ratio 20.05%; NPL gross 1.84%; Customer base exceeds 39 million as of September 2026
Strong business fundamentals
Direktur Utama PT Bank Seabank Indonesia, Sasmaya Tuhuleley, said the results underscore the success of the digital business model, which combines credit expansion, cost efficiency and disciplined risk management. “Pencapaian laba bersih ini mencerminkan tingginya tingkat kepercayaan masyarakat. Kami bersyukur nasabah semakin aktif menjadikan SeaBank sebagai platform transaksi keuangan utama mereka,” kata Sasmaya Tuhuleley, Direktur Utama PT Bank Seabank Indonesia, Rabu, 05/11/2026. “Di saat yang sama, kami tetap memegang teguh prinsip kehati-hatian dalam ekspansi kredit dan disiplin menjaga efisiensi operasional. Ke depan, SeaBank akan terus memperkuat infrastruktur teknologi dan keamanan, serta menghadirkan fitur dan produk-produk baru demi menghadirkan layanan perbankan digital yang inklusif, relevan, dan berkelanjutan bagi seluruh lapisan masyarakat,” tambahnya.
Capital adequacy remains well above regulatory requirements, with a Capital Adequacy Ratio (CAR) of 20.05%. Credit quality stays strong, with a gross Non-Performing Loan (NPL) ratio of 1.84%, down from 1.88% in September 2025, and a net NPL of 0.14%, down from 0.16% in September 2025. SeaBank’s loan disbursement reached Rp42.86 triliun, up from Rp28.58 triliun at the end of September 2025.
Total assets grew to Rp58.42 triliun, an increase of Rp39.6 triliun from the end of September 2025. Asset growth was supported by accelerated intermediation, direct lending, partnership collaborations and digital ecosystem integration.
Digital ecosystem expansion
SeaBank’s user base expanded to more than 39 juta customers by the end of September 2026. High user loyalty is reflected in an average of over 21 juta daily transactions, with a daily money turnover of around Rp8.2 triliun in September 2026.
Fitch Ratings Indonesia assigned SeaBank its first long-term national rating of AA+(idn) with a stable outlook. The rating reflects SeaBank’s credit profile, support from parent Sea Limited and its strategic role in Indonesia’s digital financial services.
A September 2026 Ipsos survey showed SeaBank leading digital banks in transaction smoothness (67%), app stability (66%), ease of understanding the app (56%) and ease of opening an account (54%).
Polisi masih menelusuri 11 kendaraan lainnya dan mendalami kemungkinan keterlibatan pihak lain dalam perkara tersebut.
