Bank Muamalat records 13% increase in CMS service users in 2025

Bandung, West Java - PT Bank Muamalat Indonesia Tbk has recorded a 13% year-on-year (yoy) increase in the number of users of its cash management system (CMS), or Muamalat Digital Integrated Access (MADINA), reaching more than 13,700 users by the end of December 2025. Bank Muamalat’s President Director, Imam Teguh Saptono, stated that this result is evidence of the company’s successful strategy of actively forging partnerships with various institutions and implementing relevant initiatives. “As a result, the trust of corporate customers remains intact to continue using MADINA services,” Imam said in a statement received in Bandung, West Java, on Thursday. MADINA is an internet banking service for corporate customers to monitor and conduct non-cash banking transactions for all accounts at Bank Muamalat in real time. Not only in terms of user numbers, MADINA’s performance is also positive in terms of transaction frequency, with an increase of up to 12% yoy to 2 million transactions. Meanwhile, the MADINA transaction volume was recorded to exceed Rp48 trillion by the end of 2025. The company explained that one of the initiatives carried out last year was the addition of an online foreign exchange (Online FX) feature. This feature allows corporate customers to conduct foreign exchange transactions with counter rates online through MADINA. According to Imam, its transaction volume continues to yield positive results. Imam mentioned that the performance of MADINA services also contributes to Bank Muamalat’s total low-cost funds or current account saving account (CASA). In addition, the virtual account (VA) service integrated with MADINA also recorded a 14% yoy increase in transaction frequency to 4.8 million transactions. As a result, the VA transaction volume rose 14% yoy to Rp7.8 trillion. “Strategic partnerships with institutions are the main key behind the promising performance of MADINA,” Imam said. Therefore, Imam stated that the company will continue to explore penetration into the education sector, government institutions, hospitals, communities and the Muslim ecosystem, as well as sharia financial institutions such as sharia rural financing banks.