Semester I 2026, bjb bank recorded a profit of Rp783 billion and assets of Rp228.2 trillion

BANDUNG - bank bjb again recorded positive performance in Semester I 2026 by booking net profit of IDR 783 billion or grew 58.8 percent year-on-year (yoy). This growth is supported by the growth with quality strategy which focuses on strengthening business fundamentals, operational efficiency, digital transformation, and the development of financing based on the local government ecosystem.

The performance was delivered in the bjb bank 2026 Public Expose which was attended by investors, capital market analysts, and the public at the bjb bank Tower, Bandung, Wednesday, July 29.

Bank bjb President Director Ayi Subarna said the performance of the first half of 2026 showed that the growth strategy implemented by the company was able to maintain a balance between business expansion, asset quality, and profitability.

"The profit growth we recorded is the result of the implementation of the growth with quality strategy that we have consistently implemented. Our focus is not only on pursuing growth, but also ensuring that asset quality is maintained, efficiency is increased, and digital transformation continues to provide added value for customers and shareholders," said Ayi.

On a consolidated basis, bjb bank recorded total assets of IDR 228.2 trillion as of Semester I 2026. Of this amount, the subsidiary contributed assets of IDR 44.2 trillion or approximately 19.4 percent of the total assets of the bjb Group.

On the intermediation side, the distribution of credit and financing on a consolidated basis reached IDR 140.4 trillion, consisting of parent bank credit of IDR 111.1 trillion and the contribution of subsidiaries of IDR 29.3 trillion.

The consumer segment is still the main support for the credit portfolio with outstanding reaching Rp74.2 trillion or around 66.8 percent of total credit. The quality of financing remains maintained with a ratio of non-performing loans (Non-Performing Loan/NPL) of only 0.56 percent.

In addition to maintaining strength in the consumer segment, bjb bank also expands its sources of growth through non-consumer financing, especially to local governments. The company assesses that the need for regional development financing still has a positive outlook as various development programs and public service improvements continue.

To support this strategy, bjb bank continues to improve business processes through the implementation of the Commercial Business Centre (CBC) to increase the effectiveness of credit processes, strengthen governance, and maintain the quality of financing.

On the funding side, the Third Party Fund (DPK) on a consolidated basis reached IDR 160.9 trillion as of June 2026. The Company also continues to strengthen its funding structure by increasing the proportion of cheap funds (CASA) through payroll cooperation, increasing customer transactions, and optimizing digital services.

Digital transformation has also shown positive results. Through the DIGI bank bjb application, the opening of digital savings accounts reaches around 12,000 new accounts every month, which is expected to be able to expand the customer base while increasing the collection of cheap funds on an ongoing basis.

In terms of profitability, net interest income increased by more than 9.1 percent year-on-year, while fee-based income reached IDR 1.1 trillion. The company also managed to reduce operating expenses by around 5.4 percent so that operating profit before impairment losses (CKPN) jumped more than 34.2 percent compared to the same period last year.

The combination of revenue growth, cost efficiency, and maintained asset quality drove net profit attributable to owners of the parent entity to reach IDR 783 billion or grew 58.8 percent year-on-year.

Ayi added that in Semester II 2026, bank bjb will continue to strengthen business transformation through the development of digital services, the increase of cheap funds, the strengthening of synergy with local governments, and the implementation of disciplined risk management.

"We are optimistic that this positive performance can continue. With increasingly strong fundamentals, continuous innovation, and good corporate governance, bjb bank is ready to make a greater contribution to regional economic development while creating long-term value for all stakeholders," said Ayi.