Jakarta. Regional lender bank bjb reported solid financial performance in the first half of 2026, supported by healthy and sustainable business growth despite economic headwinds and challenges in the banking industry.

The results were presented during the bank's second-quarter 2026 earnings call and public expose held at Menara bank bjb in Bandung on Wednesday, attended by investors, capital market analysts, and the public.

Driven by its growth with quality strategy, the bank continued to strengthen its business fundamentals by maintaining asset quality, improving efficiency, accelerating digital transformation, and expanding growth through local government-based business ecosystems.

As the holding entity of the bjb Group, which comprises three banking subsidiaries and two non-bank financial institutions, bank bjb booked consolidated assets of Rp 228.2 trillion ($12.61 billion) as of the end of June 2026. Its subsidiaries contributed Rp 44.2 trillion, or around 19.4%, of the group's total consolidated assets.

On the lending side, consolidated loans and financing reached Rp 140.4 trillion, consisting of Rp 111.1 trillion from the parent bank and Rp 29.3 trillion from its subsidiaries.

The consumer segment remained the bank's largest lending portfolio, with outstanding loans totaling Rp 74.2 trillion, accounting for approximately 66.8% of total loans. Asset quality in the segment also remained strong, with a low non-performing loan (NPL) ratio of 0.56%, reflecting prudent lending practices.

Alongside its consumer banking strength, bank bjb continued to diversify its credit portfolio by expanding non-consumer financing. A key focus is strengthening its role as a strategic partner for regional governments by providing financing selectively, prudently, and in line with sound risk management principles.

The bank believes financing demand from regional governments will remain promising as development programs and public service improvements continue across Indonesia. Leveraging its long-standing experience serving local governments and its understanding of regional needs, bank bjb is optimistic that this segment will become a high-quality growth driver while contributing to regional economic development.

Supporting this strategy, the bank has continued refining its business processes through the implementation of its Commercial Business Centre (CBC) to improve lending efficiency, strengthen governance, and support higher-quality financing growth.

On the funding side, bank bjb maintained healthy third-party fund (DPK) growth despite intensifying competition for deposits. As of June 2026, consolidated DPK stood at Rp 160.9 trillion, providing a solid liquidity base to support business expansion.

To further strengthen its funding structure, the bank continued increasing low-cost funds, or current account and savings account (CASA) deposits, by expanding payroll partnerships, encouraging higher customer transaction activity, and enhancing accessible digital banking services.

Its digital transformation also continued to gain traction. Through the DIGI bank bjb application, the bank has been opening up to 12,000 new digital savings accounts each month, a milestone expected to further expand its customer base while supporting sustainable CASA growth.

Profitability also improved during the first half of 2026, reflecting the success of the bank's asset and liability recomposition strategy, lower funding costs, higher fee-based income, greater synergy across the bjb Group, and ongoing operational efficiency initiatives.

Net interest income increased by more than 9.1% year-on-year, while fee-based income contributed Rp 1.1 trillion, further strengthening the bank's revenue mix. Operational efficiency measures also reduced operating expenses by around 5.4%, lifting operating profit before impairment losses (CKPN) by more than 34.2% compared with the same period last year.

These efforts drove net profit attributable to shareholders to Rp 783 billion, up 58.8% year-on-year, underscoring the effectiveness of the bank's strategy in balancing business growth, operational efficiency, and asset quality.

Entering the second half of 2026, bank bjb said it will remain focused on its growth with quality strategy by strengthening low-cost fund collection, optimizing payroll partnerships, expanding financing through regional government ecosystems, accelerating digital transformation, and maintaining disciplined risk management.

With stronger business fundamentals, continued service innovation, and a commitment to good corporate governance and prudent banking principles, bank bjb said it remains optimistic about delivering sustainable growth while creating long-term value for shareholders, customers, and other stakeholders.