Bank Jatim Records Solid Performance and Profit Increase in 2025

Jakarta, CNBC Indonesia - PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) successfully navigated 2025 with solid performance. Bank Jatim’s President Director, Winardi Legowo, explained that amid the dynamic economic conditions at various levels, management implemented several strategies to maintain the bank’s business and financial performance.

According to him, this involved balancing the management of third-party funds by increasing the ratio of low-cost funds and issuing bonds to support the stable fund portfolio. Additionally, Bank Jatim conducted more selective loan disbursements in 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 risk appetite.

“To support our vision of becoming Indonesia’s number one BPD, we continue our transformation journey through five main pillars: governance and risk management aspects, ecosystem-based business optimisation, enhancing manpower competency as the primary asset, strengthening information technology and business process digitalisation, and optimising business synergies for the Bank Business Group,” Winardi stated in an official release on Tuesday (31/3/2026).

Thanks to the measures implemented by management, supported by the solid productivity of the team, Winardi continued, Bank Jatim’s asset value as of 2025 successfully reached Rp105.8 trillion, up 3.70% (YoY). The asset composition came from productive assets, including loan disbursements 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 Bank Jatim’s loan disbursements (Bank Only), which grew conservatively by 4.98% (YoY) to Rp67.24 trillion, the composition consisted 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’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 current accounts at Rp21.4 trillion, up 12.5% (YoY). From the NoA side, the number of customers increased 5.64% YoY, with total third-party fund customers at Bank Jatim numbering 10,915,749.

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 42.93% (YoY), 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% (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 through several steps, including write-off mechanisms totalling Rp1.03 trillion with a recovery rate of 18.6% or equivalent to Rp192 billion, and restructuring as a debtor rescue measure for those experiencing deteriorating collectibility. The total credit restructured by Bank Jatim amounted to Rp4.17 trillion.

In addition, the company aggressively implemented extra-comfortable collection incentives to stimulate increased receipts from written-off credit, provided 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,” Winardi explained.

Regarding the Bank Business Group’s plans with several Regional Development Banks, in 2025 Bank Jatim finalised all stages and officially became the parent of five BPDs: Bank NTB Syariah, Bank Banten, Bank Lampung, Bank Sultra, and Bank NTT. Thus, synergies in capital aspects 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 backed by a physical branch network spread across East Java and digital transaction services allowing customers to transact anywhere without limits. For JConnect itself, throughout 2025, it achieved positive figures. JConnect Mobile users reached 993,972, up 22.40% (YoY). Meanwhile, total transactions stood at Rp65.77 trillion, up 29.55% (YoY).

Next, JConnect IB Corporate users numbered 11,199, up 14.79% (YoY), with transactions totalling Rp23.36 trillion. Then, Bank Jatim’s QRIS reached 203,725 users with transaction values of Rp3.94 trillion, up 47.25% (YoY). In addition, to maximise