Bank Mega targets 10% credit growth supported by corporate segment
Jakarta (ANTARA) - PT Bank Mega Tbk is targeting significant total credit growth of around 10.45% (year-on-year/yoy) to Rp74 trillion in 2026, supported by a strong credit pipeline in the wholesale or corporate segment.
Director of Wholesale Banking at Bank Mega, Madi Darmadi Lazuardi, stated that the company will continue to focus on the corporate segment this year, in line with numerous credit opportunities related to government strategic projects, downstreaming, and the natural resources sector.
“We are quite optimistic about credit growth this year, given that the current and upcoming pipeline is quite significant,” Madi said during a public expose in Jakarta on Tuesday.
Madi explained that the company projects new credit disbursements of around Rp25-30 trillion. However, net credit growth will be reduced by credit run-downs of approximately Rp14-15 trillion per year and potential prepayments, resulting in an estimated increase in outstanding loans of Rp6-7 trillion.
In 2025, Bank Mega’s total credit grew by around 4% (yoy) to Rp67 trillion. Madi said that this realisation could have been higher, but accelerated prepayments caused the growth to appear below expectations.
From a strategy perspective for this year, the company will optimise and enhance two main credit disbursement channels implemented last year.
First, through syndication schemes with other banks, which have significant potential amid rising demand for financing large-scale projects. Second, through bilateral credit disbursements.
As of December 2025, Bank Mega’s undisbursed loan facilities reached Rp2,439.2 billion, or 22.12% of the total credit ceiling.
Additionally, the company provides credit limits for working capital needs, the utilisation of which depends on the debtors’ requirements and thus cannot be fully controlled by the bank.
“Undisbursed loans are mostly limits we provide, either bilateral or syndication,” he said.
According to Madi, this situation presents potential for future growth, as the company has substantial room to drive increases in outstanding credit this year and in subsequent periods.
In the public expose presentation, besides the credit target, Bank Mega also disclosed several targets for the 2026 fiscal year, including net profit of Rp3.7 trillion, third-party funds (DPK) of Rp111 trillion, and total assets of Rp149 trillion.
Regarding financial ratios in 2026, Bank Mega targets a capital adequacy ratio (CAR) of 28.6%, loan-to-deposit ratio (LDR) of 66.4%, cost-to-income ratio (BOPO) of 64.2%, return on assets (ROA) of 3.2%, return on equity (ROE) of 15.6%, net interest margin (NIM) of 4.7%, and non-performing loans (NPL) of 1.7%.