Bank Jatim Records Net Profit of Rp1.54 Trillion in 2025
Bank Jatim successfully recorded a net profit of Rp1.54 trillion, or an increase of 20.65% year on year from the previous year.
Jakarta (ANTARA) - PT Bank Pembangunan Daerah Jawa Timur Tbk (BJTM), or Bank Jatim, booked a net profit of Rp1.54 trillion for the full year 2025, representing a 20.65% year-on-year growth compared to the full year 2024.
“Bank Jatim successfully recorded a net profit of Rp1.54 trillion, or an increase of 20.65% year on year from the previous year,” stated Bank Jatim President Director Winardi Legowo in an official statement in Jakarta on Monday.
In terms of intermediation, the company recorded loan disbursements of Rp67.24 trillion in 2025, or a 4.98% year-on-year growth compared to the same period in the previous year.
The composition of the company’s loans consists of consumer credit worth Rp36.54 trillion, growing 6.20% year on year, and productive credit worth Rp30.7 trillion, growing 3.55% year on year.
Throughout 2025, Winardi explained that the company focused on penetrating low-cost funds, using a transaction banking approach and ecosystem-based business patterns to increase the amount of funds and the number of customers.
This is reflected in the performance of third-party funds such as demand deposits of Rp21.4 trillion, growing 12.5% year on year.
Then, in terms of Net Operating Assets (NoA), the number of customers grew 5.64% year on year, or a total of 10,915,749 third-party fund (DPK) customers.
Furthermore, the number of corporate JConnect IB users reached 11,199, growing 14.79% year on year, with transaction values of Rp23.36 trillion.
Additionally, Bank Jatim’s QRIS reached 203,725 users with a transaction value of Rp3.94 trillion, growing 47.25% year on year.
To maximise banking services in areas with significant business potential, Winardi said the company maximises services through AGEN JATIM.
“In addition to banking transaction utilities, AGEN JATIM contributes to the growth of loan disbursements, mainly through referral methods, with a total of 14,842 agents,” said Winardi.
Winardi continued that the company continues to strive to improve asset quality through several measures, namely implementing a write-off mechanism of Rp1.03 trillion with a recovery rate of 18.6%, equivalent to Rp192 billion, as well as restructuring as a rescue step for debtors experiencing deteriorating collectibility.
The total loans restructured by the company reached Rp4.17 trillion.
As of the end of 2025, the company’s total assets grew 42.93% year on year to Rp168.85 trillion, compared to Rp118.142 trillion in 2024. Loan disbursements also grew 46.65% year on year from Rp75.35 trillion in 2024 to Rp110.50 trillion in 2025.
“Well, to support the vision of becoming Indonesia’s number one BPD, we are continuing our transformation journey through five main pillars. Namely aspects of governance and risk management, optimisation of ecosystem-based business, enhancement of manpower competency as the main asset, strengthening of information technology and business process digitalisation, and optimisation of business synergies for the Bank Business Group,” said Winardi.