Jakarta, CNBC Indonesia - PT Bank Pembangunan Daerah Jawa Timur Tbk\n(Bank Jatim) successfully navigated 2025 with solid performance. Bank\nJatim\u2019s President Director, Winardi Legowo, explained that amid the\ndynamic economic conditions at various levels, management implemented\nseveral strategies to maintain the bank\u2019s business and financial\nperformance.<\/p>\n
According to him, this involved balancing the management of\nthird-party funds by increasing the ratio of low-cost funds and issuing\nbonds to support the stable fund portfolio. Additionally, Bank Jatim\nconducted more selective loan disbursements in prospective sectors while\ndeepening penetration in consumer credit business, maintaining\ndiscipline in managing income and expense positions through efficiency,\nand increasing digital transactions to boost non-interest income, as\nwell as aggressively controlling asset quality in line with the risk\nappetite.<\/p>\n
\u201cTo support our vision of becoming Indonesia\u2019s number one BPD, we\ncontinue our transformation journey through five main pillars:\ngovernance and risk management aspects, ecosystem-based business\noptimisation, enhancing manpower competency as the primary asset,\nstrengthening information technology and business process\ndigitalisation, and optimising business synergies for the Bank Business\nGroup,\u201d Winardi stated in an official release on Tuesday\n(31\/3\/2026).<\/p>\n
Thanks to the measures implemented by management, supported by the\nsolid productivity of the team, Winardi continued, Bank Jatim\u2019s asset\nvalue as of 2025 successfully reached Rp105.8 trillion, up 3.70% (YoY).\nThe asset composition came from productive assets, including loan\ndisbursements of Rp67.2 trillion, up 4.98% (YoY), treasury business\nmanagement, and third-party funds growing 1.43% (YoY).<\/p>\n
\u201cBank Jatim also successfully recorded a net profit of Rp1.54\ntrillion, an increase of 20.65% from the previous year,\u201d he\nexplained.<\/p>\n
From Bank Jatim\u2019s loan disbursements (Bank Only), which grew\nconservatively by 4.98% (YoY) to Rp67.24 trillion, the composition\nconsisted of consumer credit of Rp36.54 trillion, up 6.20% (YoY), and\nproductive credit of Rp30.7 trillion, up 3.55% (YoY).<\/p>\n
Winardi added that in 2025, management\u2019s focus was on penetrating\nlow-cost funds using a transaction banking approach and ecosystem-based\nbusiness to increase fund amounts and customer numbers. This was\nreflected in third-party fund performance, such as current accounts at\nRp21.4 trillion, up 12.5% (YoY). From the NoA side, the number of\ncustomers increased 5.64% YoY, with total third-party fund customers at\nBank Jatim numbering 10,915,749.<\/p>\n
This strong performance also supported Bank Jatim\u2019s consolidated\nperformance throughout 2025, showing significant growth in various key\nindicators. Bank Jatim\u2019s consolidated achievements for 2025 included\ntotal assets increasing 42.93% (YoY), from Rp118.142 trillion in 2024 to\nRp168.855 trillion in 2025.<\/p>\n
Loan disbursements also experienced strong growth, up 46.65% from\nRp75.35 trillion to Rp110.503 trillion. In line with that, Bank Jatim\u2019s\nconsolidated net profit also recorded an increase of 24.80% (YoY), from\nRp1.296 trillion in 2024 to Rp1.617 trillion in 2025. This achievement\nreflects solid business fundamentals and the effectiveness of the\ncompany\u2019s strategies in driving sustainable growth.<\/p>\n
Winardi also emphasised that management continues to strive to\nimprove asset quality through several steps, including write-off\nmechanisms totalling Rp1.03 trillion with a recovery rate of 18.6% or\nequivalent to Rp192 billion, and restructuring as a debtor rescue\nmeasure for those experiencing deteriorating collectibility. The total\ncredit restructured by Bank Jatim amounted to Rp4.17 trillion.<\/p>\n
In addition, the company aggressively implemented extra-comfortable\ncollection incentives to stimulate increased receipts from written-off\ncredit, provided interest and penalty relief to encourage debtors to\nsettle, up to partial collateral settlements and flexibility in\ncollateral redemption to accelerate credit resolution.<\/p>\n
\u201cAnd of course, we routinely monitor and control the performance of\nproblematic credit handling (weekly, bi-weekly, and monthly) led by the\nBoard of Directors,\u201d Winardi explained.<\/p>\n
Regarding the Bank Business Group\u2019s plans with several Regional\nDevelopment Banks, in 2025 Bank Jatim finalised all stages and\nofficially became the parent of five BPDs: Bank NTB Syariah, Bank\nBanten, Bank Lampung, Bank Sultra, and Bank NTT. Thus, synergies in\ncapital aspects have been fully implemented.<\/p>\n
\u201cFor 2026, we will maximise synergies in business and finance as well\nas other support aspects as enablers,\u201d Winardi stated.<\/p>\n
To support business performance and increase market share, Bank Jatim\nis backed by a physical branch network spread across East Java and\ndigital transaction services allowing customers to transact anywhere\nwithout limits. For JConnect itself, throughout 2025, it achieved\npositive figures. JConnect Mobile users reached 993,972, up 22.40%\n(YoY). Meanwhile, total transactions stood at Rp65.77 trillion, up\n29.55% (YoY).<\/p>\n
Next, JConnect IB Corporate users numbered 11,199, up 14.79% (YoY),\nwith transactions totalling Rp23.36 trillion. Then, Bank Jatim\u2019s QRIS\nreached 203,725 users with transaction values of Rp3.94 trillion, up\n47.25% (YoY). In addition, to maximise<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bank-jatim-records-solid-performance-and-profit-increase-in-2025-1774936319", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }