Bank BJB Records Solid Performance in 2025 with Assets Breaking Through Rp221.4 Trillion
Bank BJB’s financial performance throughout the 2025 financial year demonstrated resilience amid challenging global and domestic economic dynamics. The stability of the domestic financial system at the end of 2025 remained relatively intact and conducive for the banking sector, supported by accommodative fiscal and monetary policies, including reductions in BI Rate that began opening space for banking intermediation recovery.
In presenting the bank’s Full Year 2025 Earnings Call performance on Monday, 16 March 2026, Bank BJB’s consolidated total assets at the end of 2025 reached Rp221.4 trillion. Credit disbursements including financing reached Rp140.7 trillion, with contributions from subsidiaries amounting to Rp28.8 trillion and bank-only operations amounting to Rp111.9 trillion.
On the bank-only basis, the consumer credit segment remained the primary contributor with outstanding reaching Rp74.8 trillion. Asset quality in this segment was maintained very well with low NPL rates and healthy margins. Growth potential remained open given the increase in the number of P3K employees in West Java and Banten reaching approximately 504,000 people by June 2025, thereby expanding the payroll market base for Bank BJB.
Digital transformation continued to be accelerated through the development of the KGB Pisan platform. Since obtaining authorisation for service development from the Financial Services Authority in November 2025, this platform has supported new credit applications on a fully digital end-to-end basis for Bank BJB’s payroll customers. The fully digital credit process has also increased productivity and scalability of consumer business operations.
Additionally, Bank BJB continued measured expansion in the corporate and commercial segments focused on ecosystem-based regional projects with the aim of driving economic growth in the regions. Net profit attributable to the parent reached Rp1.15 trillion. The momentum of improved performance in the fourth quarter also continued into early 2026, indicating positive signs for future profit growth recovery.
Furthermore, Bank BJB continued to strengthen business synergies within the Bank Business Group (KUB), with subsidiary performance contributing assets of Rp42.8 trillion or approximately 18 per cent of the group’s total consolidated assets. Going forward, Bank BJB will continue to strengthen business synergies and operational efficiency through fee-sharing schemes and product collaboration to improve profitability and group competitiveness on a sustainable basis.