bank bjb Posts Stellar Performance, Profit Soars 58.8% and Assets Reach Rp228.2 T
Jakarta - bank bjb has once again posted positive performance for the first half of 2026, maintaining healthy, quality, and sustainable business growth amidst economic dynamics and challenges within 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.
Corporate Secretary of bank bjb, Irwan Riswandi, explained that as the controlling entity of the bjb Group, which oversees three banking subsidiaries and two non-bank financial institutions, the group recorded consolidated total assets of Rp228.2 trillion up to June 2026. Subsidiaries contributed assets of Rp44.2 trillion, or approximately 19.4% of the group’s total consolidated assets.
‘In terms of intermediation, consolidated lending including financing reached Rp140.4 trillion, comprising Rp29.3 trillion from subsidiaries and Rp111.1 trillion from the bank only,’ he stated in a press release on Wednesday (29/7/2026). The consumer segment remains the main pillar of bank bjb’s credit portfolio, with outstanding loans reaching Rp74.2 trillion, or about 66.8% of the bank’s total credit. Credit quality in this segment was maintained with a low Non-Performing Loan (NPL) ratio of 0.56%.
Beyond maintaining strength in the consumer segment, bank bjb continues to diversify its lending growth sources by developing non-consumer financing. A key focus for the company is strengthening its role as a strategic partner for regional governments through selective and measured financing. The company views the financing needs of regional governments as having positive prospects, supported by ongoing development programmes and improvements in public services. With extensive experience serving regional administrations and a deep understanding of their characteristics and needs, bank bjb is optimistic this segment will become a quality source of business growth while contributing to regional economic development.
In line with these efforts, bank bjb is also refining its business processes through the implementation of a Commercial Business Centre (CBC) to enhance 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 deposit gathering. As of June 2026, consolidated DPK was recorded at Rp160.9 trillion, providing strong liquidity support for the company’s business growth.
To strengthen its funding structure, bank bjb continues to encourage an increase in low-cost funds (Current Account Saving Account/CASA) by expanding payroll cooperation, increasing customer transaction activity, and optimising digital services that are increasingly accessible to the public. In line with this, digital transformation continues to show positive developments. Through the DIGI bank bjb application, digital savings account openings reached up to 12,000 new accounts per 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 consistently implemented operational efficiency initiatives. Net interest income grew by more than 9.1% year-on-year, while fee-based income contributed Rp1.1 trillion, further strengthening the company’s revenue structure. Efficiency measures also successfully reduced operating expenses by approximately 5.4% and drove growth in operating profit before loan loss provisions by more than 34.2% compared to the same period the previous year.
All these efforts pushed net profit attributable to owners of the parent entity to reach Rp783 billion, growing 58.8% year-on-year and 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 by strengthening low-cost fund accumulation, optimising payroll cooperation, developing regional government ecosystem-based financing, accelerating digital transformation, and maintaining disciplined risk management. The company is optimistic that this strategy will sustain positive performance and strengthen competitiveness amidst the dynamics of the banking industry.