Superbank押注Grab生态：16个月500万客户，IPO募资2.79万亿印尼盾

做的是什么生意

Superbank is a digital-first Indonesian bank where users open accounts, save and borrow directly inside Grab and OVO, targeting retail customers and small businesses.

启动资金：Shareholders (Grab, Singtel, Emtek, KakaoBank) injected a further Rp1.2 trillion (~US$75M) in July 2024, on top of earlier consortium funding.

起因

Emtek converted its Bank Fama into Superbank in early 2023, and KakaoBank took a 10% stake in September 2023 — its first overseas investment. The app launched publicly on 19 June 2024 with Grab integration.

经过

Customers came fast: nearly 4 million in the first year, and the bank booked Rp20.1 billion net profit in H1 2025, with credit up 123% YoY to Rp8.4 trillion. By Q3 2025 it had 5 million customers and Rp80.9 billion profit before tax, helped by the OVO Nabung savings product.

结果

Superbank listed on the Indonesia Stock Exchange on 17 December 2025 as SUPA, raising Rp2.79 trillion (net Rp2.73 trillion) at Rp635 per share — a market cap around US$1.6 billion.

可借鉴之处

当产品成为大宗商品时，分销制胜：将银行嵌入超级应用使获客成为日常使用的副产品，并在18个月内实现盈利和IPO。