Bank BJB Assets Reach IDR 221.4 Trillion by 2025, Credit Grows to IDR 140.7 Trillion

JAKARTA - PT Bank Pembangunan Daerah Jawa Barat dan Banten (BJB) mencatatkan total aset sebesar Rp221,4 triliun pada akhir tahun buku 2025.

Based on the exposure to the Full Year (FY) 2025 Earnings Call held on Monday (16/3), the distribution of bank bjb's credit and financing reached IDR 140.7 trillion on a consolidated basis.

The Head of the Corporate Secretary Division of the bjb bank, Herfinia, said that the stability of the domestic financial system at the end of 2025 remained maintained.

"This condition is supported by accommodative fiscal and monetary policies, including a reduction in the BI Reference Rate, which has encouraged the recovery of banking intermediation," he said.

"Of the total credit, Rp111.9 trillion comes from banks only and Rp28.8 trillion from subsidiaries," he continued.

In the only bank, the consumer credit segment became the largest contributor with an outstanding of Rp74.8 trillion.

The quality of assets in this segment remains maintained with a low Non Performing Loan (NPL) rate.

The potential for growth in the consumer segment is still large as the number of P3K employees in West Java and Banten reaches around 504,000 people by June 2025. This condition expands the bjb bank's payroll customer base.

On the digitalization side, bjb bank developed the KGB Pisan platform which allows for end-to-end digital credit applications for payroll customers.

This platform has obtained a service development permit from the Financial Services Authority in November 2025.

Throughout 2025, bank bjb recorded net profit attributable to the parent of IDR 1.15 trillion.

Meanwhile, the contribution of subsidiaries in the Bank Business Group (KUB) reached IDR 42.8 trillion or around 18 percent of the group's total consolidated assets.

In the future, bank bjb will strengthen business synergies between entities in the group through product collaboration and fee sharing schemes to increase profitability.