Bank Jatim Closes 2025 with Solid Performance and Increased Profits

Amid increasingly tight banking competition, PT Bank Pembangunan Daerah Jawa Timur Tbk. (Bank Jatim) successfully navigated 2025 with solid performance. This was evident from the Public Presentation of Bank Jatim’s 2025 Financial Performance held on Monday (30/3/2026) at the Hotel Discovery SCBD in Jakarta. The analyst meeting was attended by Bank Jatim’s President Director Winardi Legowo, along with Vice President Director R. Arief Wicaksono, Director of Finance, Treasury & Global Services RM Wahyukusumo Wisnubroto, and Director of Business, Micro Retail & Sharia Business Tonny Prasetyo.

Winardi explained that, closing 2025 amid dynamic economic conditions at various levels, management implemented several strategies to maintain the bank’s business and financial performance. These included balancing the management of third-party funds by increasing the ratio of low-cost funds and issuing bonds to support a stable fund portfolio. Additionally, Bank Jatim conducted more selective lending to prospective sectors while deepening penetration in consumer credit business, maintaining discipline in managing income and expense positions through efficiency and increasing digital transactions to boost non-interest income, as well as aggressively controlling asset quality in line with the bank’s risk appetite.

“To support our vision of becoming Indonesia’s number one BPD, we continue our transformation journey through five main pillars. These are governance and risk management aspects, ecosystem-based business optimisation, enhancing manpower competency as the main asset, strengthening information technology and business process digitalisation, and optimising business synergies for the Bank Group,” Winardi stated.

Thanks to the measures implemented by management, supported by the solid productivity of the team, Bank Jatim’s asset value at the end of 2025 successfully reached Rp105.8 trillion, or a 3.70% year-on-year growth. The asset composition came from productive assets, including credit disbursements increasing to Rp67.2 trillion, or 4.98% year-on-year, treasury business management, and third-party funds growing 1.43% year-on-year. “Bank Jatim also successfully recorded a net profit of Rp1.54 trillion, up 20.65% from the previous year,” he added.

From Bank Jatim’s (Bank Only) credit disbursements, which grew conservatively by 4.98% year-on-year to Rp67.24 trillion, the composition consisted of consumer credit of Rp36.54 trillion, up 6.20% year-on-year, and productive credit of Rp30.7 trillion, up 3.55% year-on-year.

Winardi added that in 2025, management’s focus was on penetrating low-cost funds using a transaction banking approach and ecosystem-based business to increase fund amounts and customer numbers. This was reflected in third-party fund performance, such as demand deposits of Rp21.4 trillion, up 12.5% year-on-year. From the customer acquisition side, the number of customers increased by 5.64% year-on-year, totaling 10,915,749 third-party fund customers for Bank Jatim.

This strong performance also supported Bank Jatim’s consolidated performance throughout 2025, showing significant growth in various key indicators. Bank Jatim’s consolidated achievements for 2025 included total assets increasing by 42.93% year-on-year, from Rp118.142 trillion in 2024 to Rp168.855 trillion in 2025. Loan disbursements also experienced strong growth, up 46.65% from Rp75.35 trillion to Rp110.503 trillion. In line with that, Bank Jatim’s consolidated net profit also recorded an increase of 24.80% year-on-year, from Rp1.296 trillion in 2024 to Rp1.617 trillion in 2025. This achievement reflects solid business fundamentals and the effectiveness of the company’s strategies in driving sustainable growth.

Winardi also emphasised that management continues to strive to improve asset quality through several steps. These include a write-off mechanism of Rp1.03 trillion with a recovery rate of 18.6%, equivalent to Rp192 billion, and restructuring as a rescue measure for debtors experiencing deteriorating collectibility. The total credit restructured by Bank Jatim amounted to Rp4.17 trillion.

Not only that, the company also aggressively implemented extra-comfortable collection incentives to stimulate increased receipts from written-off credit, providing interest and penalty relief to encourage debtors to settle, up to partial collateral settlements and flexibility in collateral redemption to accelerate credit resolution. “And of course, we routinely monitor and control the performance of problem credit handling on a weekly, bi-weekly, and monthly basis, led by the Board of Directors,” Winardi explained.

Furthermore, regarding the Bank Group’s plans with several Regional Development Banks, in 2025 Bank Jatim has finalised all stages and officially become the parent of five Regional Development Banks (BPDs). These are Bank NTB Syariah, Bank Banten, Bank Lampung, Bank Sultra, and Bank NTT. Thus, synergies in terms of capital have been fully implemented. “For 2026, we will maximise synergies in business and finance as well as other support aspects as enablers,” Winardi stated.

To support business performance and increase market share, Bank Jatim is supported by a physical network of branches spread across East Java and digital transaction services that allow customers to transact anywhere without limits. For JConnect itself, throughout 2025, it successfully achieved figures y