Bank Mega's Profit Grows 28 Percent in 2025, Reaching Rp 3.36 Trillion

JAKARTA - PT Bank Mega Tbk (MEGA) recorded a net profit of Rp 3.36 trillion for the 2025 fiscal year. This figure represents a 28 percent annual growth. Bank Mega’s President Director, Kostaman Thayib, stated that the growth was supported by a surge in fee-based income. Commission-based revenue rose 54 percent to Rp 2.79 trillion from Rp 1.82 trillion. This achievement places Bank Mega among the top 10 in the industry in terms of profit. The balance sheet performance also grew. Total assets increased 4 percent to Rp 140.83 trillion at the end of 2025. “Total assets increased by around 4 percent from Rp 135 trillion to Rp 140.8 trillion,” said Kostaman Thayib during a press conference following the Annual General Meeting of Shareholders (AGMS) for the 2026 fiscal year, on Tuesday (31/3/2026). Credit quality was maintained. The non-performing loan (NPL) ratio improved to 1.65 percent. Funding also strengthened. Third-party funds (DPK) grew 14 percent to Rp 104.13 trillion. The funding structure remains dominated by deposits. Low-cost funds or current account saving account (CASA) rose 2 percent to Rp 28.14 trillion. Capitalisation is at a strong level. The Capital Adequacy Ratio (CAR) stood at 30.49 percent. The Loan to Deposit Ratio (LDR) is around 70 percent. Profitability remains solid. Return on Assets (ROA) was recorded at 3.10 percent. Return on Equity (ROE) at 15.54 percent. Net Interest Margin (NIM) at 4.18 percent. Entering 2026, Bank Mega targets continued growth. Net profit is projected at Rp 3.7 trillion. Credit is targeted to reach Rp 74 trillion. DPK at Rp 111 trillion. Total assets projected at Rp 149 trillion. Strategy is directed towards strengthening liquidity through increasing low-cost funds. Wholesale credit expansion will be driven through bilateral and syndicated schemes. The company is also accelerating the growth of its credit card business. The role of branches will be strengthened. Treasury asset management will be optimised to maintain profit growth.