Jakarta. bank bjb announced that it had registered a solid performance throughout 2025, while registering assets at Rp 221.4 trillion or $13 billion by the end of the year.

The stability of the domestic financial system has been a boon to the banking sector, on top of the accomodative fiscal and monetary policies, according to bank bjb. 

The bank's credit distribution and financing totaled Rp 140.7 trillion. Its subsidiaries contributed Rp 28.8 trillion, while the remaining Rp 111.9 trillion had come from the bank.

At the bank only level, the consumer credit segment remains a major contributor, with outstanding funds reaching Rp 74.8 trillion. Asset quality in this segment is well maintained, with a low non-performing loan rate and healthy margins. Growth potential also remains open, as the number of contract-based government employees in West Java and Banten increases to approximately 504,000 by June 2025, expanding bank bjb's payroll market base.

The bank is also developing the KGB Pisan platform as part of its digital transformation initiatives. Since obtaining a service development permit from the Financial Services Authority (OJK) in November 2025, this platform has supported new loan applications end-to-end digitally for bank bjb payroll customers. The fully digital loan process has also increased the productivity and scalability of the consumer business.

bank bjb continues to conduct measured expansion in the corporate and commercial segments, focusing on regional ecosystem-based projects, which is expected to drive regional economic growth. Net profit attributable to the parent company reached Rp 1.15 trillion. The momentum of improved performance in the fourth quarter continued into early 2026 and is a positive indication for a recovery in profit growth going forward.

bank bjb continues to strengthen business synergies within the Bank Business Group (KUB).

The performance of its subsidiaries contributed Rp 42.8 trillion in assets, or approximately 18 percent of the bjb Group's total consolidated assets. Going forward, bank bjb will continue to strengthen business synergies and operational efficiency through fee-sharing schemes and product collaborations to sustainably improve the group's profitability and competitiveness.