Bank Mega CEO Reveals 2026 Performance Targets: Maintaining Liquidity is Key

PT Bank Mega Tbk. (MEGA) has set performance targets for the 2026 fiscal year with measured optimism. The mid-tier bank aims for a net profit of Rp3.7 trillion. In terms of intermediation functions, Bank Mega targets total loans of Rp74 trillion. For funding, third-party funds (DPK) are set at Rp111 trillion, with total assets projected to grow to Rp149 trillion. Bank Mega CEO Kostaman Thayib outlined the strategies to achieve the bank’s business plan, including maintaining liquidity stability by promoting the growth of low-cost funds. In this regard, he revealed that the loan-to-deposit ratio (LDR) will be kept around 70%, below the Bank Indonesia (BI) requirement. Although this decision will incur penalties for the minimum giro reserve (GWM), Kostaman stated that maintaining liquidity is more important. “For Bank Mega, maintaining liquidity is far more important, especially in the event of a crisis. Our experience during crises shows that customers withdraw about 30% of the funds in the bank. Therefore, Bank Mega always maintains our liquidity policy accordingly,” Kostaman stressed when met at the Bank Mega Auditorium on Tuesday (31/3/2026). According to him, the cautious approach to lending while allocating funds to valuable instruments does not mean inefficiency. Kostaman referred to the declining net interest margin (NIM) and industry banking credit demand in Indonesia. Nevertheless, Bank Mega remains focused on its intermediation function with strategies to increase wholesale loan volumes through bilateral and syndicated arrangements, as well as accelerating credit card growth. “Of course, the bank’s main focus is intermediation by providing loans. But if they are not yet disbursed, we place them in profitable instruments. Overall, credit demand is not yet very high,” Kostaman said. Furthermore, he mentioned that another Bank Mega strategy is to optimise treasury asset investments. Next, the bank will also strengthen the role of branches as the main driver of business growth. The final strategy promoted is to create sustainable profit growth. Throughout 2025, Bank Mega’s net profit grew by 28% to Rp3.36 trillion. Bank Mega’s profit was contributed by a 54% increase in fee-based income to Rp2.79 trillion from the previous period’s Rp1.82 trillion. This achievement places Bank Mega among the top 10 in the industry in terms of profit income. Bank Mega also showed positive growth in assets, with total assets at year-end reaching Rp140.83 trillion, up 4% from the previous year. In loan disbursements, Bank Mega remained focused on the corporate segment. By the end of 2025, total loans grew by 4% to Rp67.23 trillion. Credit quality was also maintained, as reflected in the improved non-performing loan (NPL) ratio of 1.65%. Third-party funds (DPK) showed 14% growth to Rp104.13 trillion. The composition of DPK is still dominated by deposits, but CASA balances increased by 2% from the previous period to Rp28.14 trillion. Bank Mega’s financial fundamentals remain strong, reflected in a capital adequacy ratio (CAR) of 30.49% and the bank’s policy to maintain LDR around 70%. Other financial ratios also indicate solid performance, including return on assets (ROA) of 3.10%, return on equity (ROE) of 15.54%, net interest margin (NIM) of 4.18%, and efficiency ratio (BOPO) of 69.12%.