Jakarta. Bank Pembangunan Daerah Jawa Barat dan Banten (bank bjb) reports stronger earnings in the first quarter of 2026, supported by higher net interest income, stable loan growth, and expanding digital banking services amid ongoing challenges in the banking industry and global economy.

The lender, traded under the ticker BJBR on the Indonesia Stock Exchange, booked Rp 410 billion in profit attributable to owners of the parent entity, up 13.3% quarter-on-quarter and 3% year-on-year.

The earnings growth was driven by stronger consolidated net interest income, which rose 13% annually to Rp 2.05 trillion. The bank attributed the increase to improvements in its loan portfolio composition and more efficient funding cost management.

President Director Ayi Subarna said the first-quarter performance reflected the bank’s efforts to maintain healthy business fundamentals through stronger intermediation, operational efficiency, and continuous service transformation.

“Amid banking industry dynamics and evolving economic conditions, bank bjb continues to pursue healthy business growth while maintaining asset quality, liquidity, and the needs of customers and stakeholders,” Ayi said in a statement.

Total consolidated loans and financing stood at Rp 141.2 trillion as of March, while third-party funds rose 3.9% year-on-year to Rp 159.9 trillion. The bank maintained a loan-to-deposit ratio of 83.5%, indicating stable liquidity conditions.

The company said it continued strengthening risk management and provisioning to safeguard balance sheet resilience amid market volatility and economic uncertainty.

Digital banking transformation also contributed to growth. Users of DIGI bank bjb reached 1.87 million by the end of March, while fee-based income from electronic channels totaled Rp 115.7 billion.

The bank’s digital lending platform for civil servants, bjb KGB Pisan, recorded outstanding loans of Rp 159.8 billion, surging 154.1% year-on-year and 30.9% quarter-on-quarter. The number of accounts increased to 9,702.

Ayi said the bank would continue focusing on digital innovation and service improvements while strengthening synergies within the bank bjb business group ecosystem.

The bank also highlighted improving economic prospects in West Java and Banten, its main business markets, which remain among Indonesia’s largest contributors to national economic growth.

In line with its environmental, social, and governance commitments, bank bjb said its sustainable financing portfolio reached Rp 14.2 trillion in the first quarter, while sustainable bonds totaled Rp 1.9 trillion. The lender also continued supporting MSME financing, subsidized housing loans, and other sustainability programs.

In carrying out its business transformation, bank bjb continues to uphold prudential principles, good corporate governance, and consumer protection in line with regulatory requirements. Through stronger business fundamentals and ongoing transformation efforts, the bank aims to reinforce its position as one of Indonesia’s largest regional development banks.

For more information, customers can visit the nearest bank bjb branch network across 17 provinces in Indonesia, contact the bjb Call center at 14049, or access the bank’s official website www.bankbjb.co.id and social media channels for updates on programs and other activities.

bank bjb is licensed and supervised by the Financial Services Authority and Bank Indonesia, and is a participant in the deposit insurance program managed by the Indonesia Deposit Insurance Corporation