Maybank Indonesia Subsidiary Confident in Facing 2026 Market Dynamics

Multifinance company PT Wahana Ottomitra Multiartha Tbk has consistently maintained good financing quality throughout 2025, reflected in a gross NPF ratio of 2.17 percent and net NPF of 0.95 percent. By end of last year, the company known as WOM Finance recorded new financing disbursements of Rp5.94 trillion, representing a 9.35 percent increase compared to the previous year.

The company also reported positive growth in total assets, reaching Rp7.37 trillion, an increase of 6.08 percent compared to the same period last year. Total equity reached Rp1.98 trillion, growing 4.81 percent, whilst net profit reached Rp142.55 billion with a Return on Assets (ROA) of 2.41 percent and Return on Equity (ROE) of 7.45 percent.

The Maybank Indonesia subsidiary also implemented various strategic measures to strengthen its funding structure, including issuing Sustainable Bond V WOM Finance Phase II 2025 worth Rp1.5 trillion through a Continuous Public Offering mechanism, as well as securing credit facilities from banks totalling Rp1.65 trillion.

“Disciplined risk management and appropriate business strategy implementation are key factors supporting Company growth. This achievement provides a strong foundation for sustainable growth in the years ahead,” said WOM Finance Chief Financial Officer Cincin Lisa Hadi.

Moving forward, she expressed optimism about maintaining positive performance through digital service development, appropriate business strategy implementation, improved financing quality, cost efficiency and strengthened business networks. Amid market dynamics and changing consumer behaviour, WOM Finance will continue to adapt its business strategy flexibly whilst upholding prudence and disciplined risk management principles. “This strategy is expected to further strengthen our operational fundamentals and maintain our position in the national financing industry,” she explained.