Executive Summary

Key insights and market outlook

Bank Mega Syariah achieved Rp9.18 trillion in total financing as of October 2025, representing a 25.8% year-on-year (YoY) growth, significantly outpacing the industry's 7.36% growth rate ¹

². The growth was primarily driven by the Syariah Card segment, which saw a 114% YoY increase, and the multifinance segment, which grew by 37% ¹. Consumer financing also rose by 33% YoY, with notable contributions from Flexi Home and other products.

Full Analysis

02

Deep Dive Analysis

Bank Mega Syariah Achieves Significant Growth in Financing

Strong Performance in Key Segments

Bank Mega Syariah has reported total financing of Rp9.18 trillion as of October 2025, marking a substantial 25.8% YoY growth, which surpasses the industry average of 7.36% ¹

². This performance is attributed to the bank's commitment to expanding healthy and sustainable financing amid global and domestic economic challenges.

Key Drivers of Growth

Syariah Card Segment: Experienced a remarkable 114% YoY growth, becoming a major contributor to the bank's financing expansion ¹
Source 1
https://finansial.bisnis.com/read/20251124/231/1931157/pembiayaan-mega-syariah-rp918-triliun-tumbuh-258-yoy-per-oktober-2025
.
Multifinance Segment: Grew by 37%, with motorcycle financing dominating the composition at approximately 87%, followed by car financing at 10%, and the remainder in electronic goods financing ¹
Source 1
https://finansial.bisnis.com/read/20251124/231/1931157/pembiayaan-mega-syariah-rp918-triliun-tumbuh-258-yoy-per-oktober-2025
.
Consumer Financing: Saw a 33% YoY increase, primarily driven by the Flexi Home product, which recorded a 37.51% YoY growth. Other notable products include FLPP (Flexi Sejahtera) with a 57.63% YoY growth, Flexi Multiguna with 362.26% YoY growth, and Flexi Mitra Mabur (hajj financing) with 244.37% YoY growth ¹
Source 1
https://finansial.bisnis.com/read/20251124/231/1931157/pembiayaan-mega-syariah-rp918-triliun-tumbuh-258-yoy-per-oktober-2025
.

Enhanced Liquidity and Digital Optimization

The bank's third-party funds (DPK) also demonstrated robust growth, rising by 16.9% to over Rp12.28 trillion. This increase was supported by various product innovations and the optimization of digital services, which enhanced customer convenience in transactions and savings, thereby strengthening the bank's liquidity position ¹

.

Strategic Outlook

Bank Mega Syariah's strong performance reflects its strategic focus on expanding financing while maintaining quality and leveraging digital solutions. The bank remains committed to providing innovative and inclusive Sharia financial solutions to support economic growth and financial inclusion.

References