Bank Jatim Closes 2025 with Solid Performance, Positive Profit Growth
PT Bank Pembangunan Daerah Jawa Timur Tbk, or Bank Jatim, successfully closed 2025 with solid performance. This was conveyed during the Bank Jatim 2025 Financial Report Presentation at the Discovery SCBD Hotel in Jakarta on Monday, 30 March 2026.
Bank Jatim’s President Director, Winardi Legowo, explained that management has implemented several strategies to maintain the bank’s business and financial performance, such as balancing the management of third-party funds by increasing the ratio of low-cost funds and issuing bonds to support the bank’s stable fund portfolio.
In addition, Bank Jatim has conducted more selective lending to prospective sectors while deepening penetration in consumer credit business, maintaining discipline in managing income and expense positions through efficiency, increasing digital transactions to boost non-interest income, and aggressively controlling asset quality in line with the bank’s risk appetite.
“To support our vision of becoming Indonesia’s number one regional development bank, we continue our transformation journey through five main pillars: governance and risk management aspects, ecosystem-based business optimisation, enhancing manpower competency as the main asset, strengthening information technology and business process digitalisation, as well as optimising business synergies for the Bank Group,” said Winardi.
These efforts have enabled Bank Jatim’s assets as of 2025 to reach Rp105.8 trillion, a 3.70% year-on-year (yoy) growth. The asset composition comes from contributions of productive assets, including credit disbursement of Rp67.2 trillion, up 4.98% yoy, treasury business management, and third-party funds growing 1.43% yoy. “Bank Jatim also successfully recorded a net profit of Rp1.54 trillion, an increase of 20.65% from the previous year,” he explained.
From the credit disbursement figure of Rp67.24 trillion, which grew conservatively by 4.98% yoy, the composition consists of consumer credit of Rp36.54 trillion, up 6.20% yoy, and productive credit of Rp30.7 trillion, up 3.55% yoy.
Winardi added that in 2025, management focused on penetrating low-cost funds using a transaction banking approach and ecosystem-based business to increase fund amounts and customer numbers. This is reflected in third-party fund performance, such as current accounts of Rp21.4 trillion, up 12.5% yoy. From the customer acquisition side, the number of customers increased by 5.64% yoy, with a total of 10,915,749 third-party fund customers at 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 include total assets increasing by 42.93% yoy, from Rp118.142 trillion in 2024 to Rp168.855 trillion in 2025.
Lending also experienced strong growth, rising 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% yoy, 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 by conducting write-off mechanisms of Rp1.03 trillion with a recovery rate of 18.6% or Rp192 billion, and restructuring as a step to rescue debtors experiencing deteriorating collectibility. The total credit restructured by Bank Jatim amounts to Rp4.17 trillion.
In addition, the company aggressively implements 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 problematic credit handling weekly, bi-weekly, and monthly, led by the Board of Directors,” said Winardi.
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 (BPD), namely 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,” said Winardi.
To support business performance and increase market share, Bank Jatim is supported by a physical branch network spread across East Java and digital transaction services that allow customers to transact anywhere without limits. For JConnect itself, throughout 2025, it achieved positive figures. JConnect Mobile was successfully used by 993,972 users, a 22.40% yoy growth. Meanwhile, total transactions reached Rp65.77 trillion, up 29.55% yoy.
Next, JConnect IB Corporate users numbered 11,199, up 14.79% yoy, with transaction values of Rp23.36 trillion. Then, Bank Jatim’s QRIS users have reached 203,725 with transaction values of Rp3.94 trillion, growing 47.25% yoy.
In addition, to maximise banking services