Bank Mega Syariah: Stronger US Dollar Does Not Reduce Financing Opportunities

PT Bank Mega Syariah views the strengthening of the US dollar as a global dynamic that warrants attention, but believes it does not reduce financing opportunities for productive sectors with strong business fundamentals and positive growth prospects. The company remains optimistic about the prospects for commercial financing growth throughout 2026, despite the stronger US currency. “Bank Mega Syariah sees the strengthening of the US dollar as one of the global dynamics that needs to be monitored. However, this condition does not reduce corporate financing growth opportunities. Financing needs in productive sectors remain open as economic activity continues,” said Corporate & Business Banking Division Head Guritno in a statement in Jakarta on Thursday. The company noted that the stronger US dollar is an external factor that must be monitored, as it could potentially affect business costs, cash flow, and the working capital needs of businesses. Nevertheless, ongoing domestic economic activity and financing needs in various strategic sectors are still considered to offer promising growth opportunities. Guritno said that Bank Mega Syariah remains focused on promoting financing in sectors that have high resilience to global economic dynamics. On the other hand, the stronger US dollar can be seen as a positive momentum for export-oriented businesses. A higher exchange rate could potentially increase the competitiveness of Indonesian export products while boosting the revenue of companies with a foreign currency revenue base. Seeing this opportunity, the company stated that it is actively communicating with existing and prospective customers who have export-oriented business bases to understand their financing needs and business expansion plans. The company is also continuing to open financing opportunities in sectors with good export prospects that align with the company’s business strategy. Nonetheless, Bank Mega Syariah continues to prioritise the principle of prudence in every financing disbursement. The entire financing process is carried out through a comprehensive assessment of the risk profile, repayment capacity, and resilience of the customer’s business to changes in global market conditions. As of May 2026, Bank Mega Syariah’s total financing grew by 7.20 percent to more than Rp9.9 trillion, compared to Rp9.3 trillion in May 2025. The outstanding commercial financing reached more than Rp5.7 trillion. On a year-to-date basis, this figure grew by 13.22 percent compared to the position in December 2025, which was recorded at Rp5.17 trillion. This commercial financing performance was supported by two main sub-segments: corporate financing, which accounted for 43.76 percent of total bank financing or more than Rp4.4 trillion, and Business Banking, which contributed 13.86 percent or more than Rp1.4 trillion as of May 2026. Guritno said that the education and health sectors remain the main contributors to Bank Mega Syariah’s corporate financing growth. These two sectors are considered to have strong fundamentals, relatively stable demand, and positive growth prospects in line with the increasing public need for education and health services. In addition, the company sees financing opportunities in infrastructure, commodities, trade, transportation and logistics, as well as various other service sectors with good business prospects.