Bank bjb Records Solid Performance in 2025, Assets Exceed Rp 221.4 Trillion
Bank bjb’s financial performance throughout the 2025 financial year demonstrated resilience amid challenging global and domestic economic dynamics. The stability of Indonesia’s domestic financial system at the end of 2025 remained relatively secure and conducive for the banking sector, supported by accommodative fiscal and monetary policies, including declining Bank Indonesia (BI) rates that began to open space for recovery in banking intermediation.
On a consolidated basis, bank bjb’s total assets at the end of 2025 reached Rp 221.4 trillion. Credit disbursement including financing amounted to Rp 140.7 trillion, comprising Rp 28.8 trillion from subsidiaries and Rp 111.9 trillion from the bank’s own operations.
These figures were presented during the bank’s Full Year 2025 Earnings Call held on Monday, 16 March 2026, attended by bank bjb’s Finance Director Hana Dartiwan, Corporate and MSME Director Mulyana, Consumer and Retail Director Nunung Suhartini, and Deputy Corporate Secretary Sani Ikhsan Maulana.
For the bank’s own operations, the consumer credit segment remained the primary contributor with outstanding loans reaching Rp 74.8 trillion. Asset quality in this segment was maintained in excellent condition with low non-performing loan rates and healthy margins.
Growth potential remained open following an increase in the number of permanent employees (P3K) in West Java and Banten, reaching approximately 504,000 people by June 2025, thereby expanding the payroll customer base for bank bjb.
Digital transformation continued to be accelerated through the development of the KGB Pisan platform. Since receiving service development approval from the Financial Services Authority in November 2025, the platform has enabled end-to-end digital credit applications for bank bjb’s payroll customers. The fully digital credit process improved productivity and scalability of the consumer business.
Bank bjb also pursued measured expansion in the corporate and commercial segments, focusing on projects based on regional ecosystems with the aim of driving economic growth in these regions.
Net income attributable to the parent company reached Rp 1.15 trillion. The improvement in performance seen in the fourth quarter also continued into early 2026, indicating positive signs for future profit growth recovery.
Additionally, bank bjb continued to strengthen business synergies within its Banking Business Group (KUB), with subsidiary performance contributing Rp 42.8 trillion in assets, representing approximately 18 per cent of the consolidated Group bjb’s total assets.
Going forward, bank bjb will continue to strengthen business synergies and operational efficiency through fee-sharing schemes and product collaboration to sustainably improve profitability and group competitiveness.