PT Bank Mayapada Internasional Tbk — Cyborg Score 5/10
Mixed
Banking & Financial Services
Strategic Profile
The bank offers a comprehensive product suite including working capital loans, housing and vehicle loans, investments, and e-banking services. As a mid-sized regional bank in Indonesia's competitive banking landscape, Bank Mayapada competes with larger state-owned and private banks while maintaining a local retail and commercial focus.
Cyborg Score Rationale
Revenue grew 18.25% in 2024 to 2.26 trillion IDR, with earnings increasing 15.70% to 25.57 billion IDR. However, the bank's latest twelve months return on common equity is 0.1%, suggesting profitability challenges relative to capital invested.
Top Insights
Revenue growth of 18.25% YoY in 2024 indicates solid market demand and operational expansion
Very low return on equity (0.1% TTM) signals profitability challenges and potential capital allocation issues
Diversified product offering across retail, commercial, and investment banking mitigates concentration risk
Mid-sized market position (64.2% percentile in financial sector market cap) provides growth runway but intense competition from larger peers
Named Competitors
Bank Rakyat Indonesia — State-owned retail and commercial bank
Bank Mandiri — State-owned universal bank
Bank Central Asia — Private sector leader in retail banking
Bank Cimb Niaga — Multi-service financial institution
Recent Developments
(2024) Revenue reached 2.26 trillion IDR with 18.25% growth
(2024) Net income increased 15.70% to 25.57 billion IDR
(2025-2026) Market cap approximately 2.77 trillion IDR with 2,793 employees
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