bank bjb Posts Positive Performance, Profit Grows 58.8 Percent, Assets Reach Rp 228 Trillion
bank bjb has again recorded a positive performance in the first half of 2026 amidst economic dynamics and challenges in the banking industry. Through a ‘growth with quality’ strategy, the company continues to strengthen its business fundamentals, maintain asset quality, improve efficiency, and expand sources of growth through digital transformation and business development based on the regional government ecosystem.
This performance was presented at the bank bjb 2026 Public Expose, attended by investors, capital market analysts, and the public at Menara bank bjb, Bandung, on Wednesday (29/7/2026). As the controlling entity of the bjb Group, which oversees three banking subsidiaries and two non-bank financial institutions, bank bjb recorded consolidated total assets of Rp 228.2 trillion as of the first half of 2026. Subsidiaries contributed assets of Rp 44.2 trillion, or approximately 19.4 percent of the group’s total consolidated assets.
On the intermediation side, consolidated lending, including financing, reached Rp 140.4 trillion, comprising a Rp 29.3 trillion contribution from subsidiaries and Rp 111.1 trillion from the bank only. The consumer segment remains the main pillar of bank bjb’s credit portfolio, with outstanding loans of Rp 74.2 trillion, or around 66.8 percent of total credit. Credit quality in this segment is also maintained, with a low Non-Performing Loan (NPL) ratio of 0.56 percent, reflecting the application of prudential principles in financing distribution.
In addition to maintaining its strength in the consumer segment, bank bjb is also continuing to diversify its credit growth sources through the development of non-consumer financing. One of the company’s main focuses is strengthening its role as a strategic partner for regional governments by providing financing that is selective, measured, and in accordance with prudential principles. The company assesses that the need for regional government financing still has positive prospects, in line with ongoing development programmes and improvements in regional public services. With its long experience in serving regional governments and understanding the characteristics and needs of each region, bank bjb is optimistic that this segment will become a quality source of business growth while contributing to regional economic development.
In line with this effort, bank bjb is also continuing to refine its business processes through the implementation of a Commercial Business Centre (CBC) to improve the effectiveness of the credit process, strengthen governance, and support higher quality financing growth. On the funding side, bank bjb managed to maintain healthy growth in Third Party Funds (DPK) amidst increasingly competitive fundraising. As of June 2026, consolidated DPK was recorded at Rp 160.9 trillion, providing strong liquidity support for the company’s business growth.
To further strengthen its funding structure, bank bjb continues to encourage the growth of low-cost funds (Current Account Saving Account/CASA) through the expansion of payroll cooperation, increased customer transaction activity, and optimisation of digital services that are increasingly accessible to the public. Digital transformation is also showing positive progress. Through the DIGI bank bjb application, digital savings account openings reach up to 12,000 new accounts each month. This achievement is expected to further expand the customer base while supporting sustainable growth in low-cost funds.
In terms of profitability, the first half of 2026 reflected positive results from the strategy of asset and liability recomposition, cost of funds optimisation, increased fee-based income, strengthened bjb Group synergy, and various operational efficiency initiatives implemented consistently. Net interest income grew by more than 9.1 percent year-on-year, while fee-based income contributed Rp 1.1 trillion, further strengthening the company’s revenue structure. Various efficiency measures also succeeded in reducing operational expenses by approximately 5.4 percent and driving operating profit growth before loan loss provisions by more than 34.2 percent compared to the same period the previous year.
All these efforts drove net profit attributable to owners of the parent entity to reach Rp 783 billion, or a growth of 58.8 percent year-on-year, reflecting the effectiveness of the company’s strategy in maintaining a balance between business growth, efficiency, and asset quality.
Entering the second half of 2026, bank bjb will continue to focus on a ‘growth with quality’ strategy through strengthening low-cost fund accumulation, optimising payroll cooperation, developing financing based on the regional government ecosystem, accelerating digital transformation, and maintaining disciplined risk management. The company is optimistic that this strategy will be able to maintain positive performance while strengthening competitiveness amidst the dynamics of the banking industry. With increasingly solid business fundamentals, continuously developing service innovations, and a commitment to good corporate governance and prudential principles, bank bjb is optimistic that it can continue to create sustainable growth while providing added value for shareholders, customers, and all stakeholders.