Strategic Shift in Lending Approach
PT Bank Maybank Indonesia Tbk is taking a more cautious and focused approach to its lending strategy following the completion of its three-year transformation program. This shift aims to ensure that growth remains disciplined and resilient, while also strengthening the bank’s balance sheet and improving the quality of its earnings.
The change in strategy was announced during a February news briefing in Jakarta, marking a departure from previous volume-driven expansion. Instead, the bank is now adopting a more disciplined and relationship-focused approach. This move reflects a commitment to long-term stability and sustainable growth.
“Throughout 2025, we focused on improving the quality and sustainability of our income while maintaining disciplined cost management and strong risk controls,” said President-Director Steffano Ridwan in an emailed response to questions.
Focus on Quality Over Quantity
The new strategy began with a reset of the bank’s corporate portfolio. Last year, Maybank Indonesia, which is owned by Malaysia’s Malayan Banking Berhad, reduced parts of its global banking exposure. The capital previously allocated to these areas has been redeployed to segments that offer stronger client connectivity and transaction flows.
As a result, total loans decreased by 3.1% year-on-year to $7.35 billion, indicating a more measured pace of growth. “Our focus is on building stronger, long-term relationships with customers whilst ensuring our growth remains disciplined and resilient,” Ridwan emphasized.
Prioritizing Domestic Clients
The bank is now prioritizing big domestic companies and commercial clients. By offering bundled services such as transaction banking, treasury, and wealth services, the bank aims to deepen revenue streams and create more value for its clients.
On the funding side, Maybank Indonesia is encouraging customers to use operational accounts to boost low-cost deposits. The ratio of current and savings accounts rose to 57.6% at the end of 2025, up from 52.9% the previous year. This increase was supported by higher transactional activity.
Digital Transformation
Digital platforms have played a crucial role in this strategic shift. Corporate clients processed over five million online banking transactions, while retail transactions exceeded 30 million last year. According to Ridwan, digital engagement is central to the bank’s relationship-driven model.
This emphasis on digital transformation has not only improved customer experience but also enhanced operational efficiency. The bank continues to invest in technology to support its evolving business strategy.
Sustainable Growth Initiatives
In addition to focusing on domestic clients, Maybank Indonesia is increasing its exposure to sustainable sectors. Financing linked to environmentally focused projects reached $1.26 billion in 2025, driven by growth in green transport and renewable energy.
This shift towards sustainable finance aligns with the bank’s broader commitment to responsible banking practices. It also supports the group’s long-term strategy of promoting disciplined growth, expanding digital capabilities, and advancing sustainable finance across the region.
Improved Asset Quality
The portfolio shift has had a positive impact on asset quality. The gross bad loan ratio declined to 2.2% from 2.7% in the previous year. This improvement reflects the bank’s enhanced risk management practices and more selective lending approach.
With its transformation programme now complete, Maybank Indonesia is well-positioned to continue its journey toward sustainable and resilient growth. The bank remains focused on delivering value to its customers, shareholders, and the broader community.
