JAKARTA - Bank Jakarta projects it will earn Rp1 trillion in 2026. This was conveyed in the Bank Jakarta working meeting in 2026. DKI Jakarta Governor Pramono Anung was surprised by the target.
Pramono considers that Bank Jakarta's profit target of IDR 1 trillion is too small when considering the value of assets owned by the regional development bank (BPD) owned by the DKI Provincial Government.
"Bank Jakarta has a target to be profitable up to 1 trillion. In my opinion, it is actually too small for Bank Jakarta. Why? As reported earlier, the funds available, are very big that are managed," said Pramono at Pullman Jakarta Central Park, West Jakarta, Thursday, January 22.
Pramono admitted that he understood the calculations of the business world, based on his experience. So, he asked Bank Jakarta to increase the target profit.
"If it's lucky, it's only Rp1 trillion, it's normal, it's not special. I just wrote the lyrics, the money is that much, I want to make a profit of Rp1 trillion. Because the Governor of Jakarta this time was a businessman, so I know it very well," he said.
Despite this, Pramono considers Bank Jakarta's main challenge in the future is not only about profit figures, but the formation of a strong and consistent work culture. He emphasized the importance of corporate culture as the main foundation for bank management, especially in preparation for the initial public offering (IPO).
"The most important keyword that must be built at Bank Jakarta starting now is its corporate culture. What is corporate culture? The most important thing is that this must be a work culture and inherent in itself that exists in Bank Jakarta," he explained.
Pramono also touched on Bank Jakarta's readiness to list on the exchange. According to him, the formation of a strong and transparent work culture is an absolute prerequisite for the bank to be eligible to become a public company.
"Now Bank Jakarta will prepare itself to become an IPO bank. So to become an IPO bank, the corporate culture must really be formed and has become inherent in this company," he said.
Apart from work culture, Pramono highlighted the importance of time discipline and teamwork. He exemplified the change in the on-time culture in the City Hall environment as part of the improvement of corporate culture in government.
In the context of banking, Pramono encourages teamwork at Bank Jakarta to prioritize a work smart approach rather than just work hard. He considers efficiency and accuracy to be the key to achieving sustainable performance.
"The next thing that Bank Jakarta needs to prepare is teamwork. There are two options, whether this teamwork is a teamwork that works hard or works smart. I suggest that because this is the banking world, there is no need to work too hard, but it must work smart," explained Pramono.
Previously, Bank Jakarta President Director Agus Haryoto Widodo said that 2026 was positioned as an execution and consolidation phase. The profit target of Rp1 trillion is referred to as a foothold to strengthen the bank's fundamentals.
"Entering 2026, we are positioned as an execution and consolidation year with a profit target of 1 Trillion. Our target is set as the basis for strengthening the fundamentals of Bank Jakarta and an important foothold towards the next phase," he said.
Agus explained that Bank Jakarta's net profit in 2025 was recorded at Rp. 345 billion. This condition is influenced by the steps to strengthen the structure, especially the strengthening of reserves, adjustment of risk policies, and significant investment in strengthening information technology and cyber security as a follow-up to learning from the cyber incident that has occurred.
"Until December 2025, Bank Jakarta's total assets reached IDR 91.5 trillion with a realization of 106.8 percent of the RBB target, or grew by 11 percent," said Agus.
Meanwhile, third-party funds (DPK) were recorded at Rp74.7 trillion or 110.4 percent of the RBB target, with a growth of 16.6 percent. The funding structure is said to be healthier with a CASA ratio of 48.93 percent.
Meanwhile, Bank Jakarta's credit distribution reached Rp57.9 trillion or 106.7 percent of the RBB target. Agus emphasized that credit distribution was still managed carefully with a maintained problem credit ratio.
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