Bank Jakarta Records Positive Performance In Quarter III 2025, Assets Grow To IDR 90.72 Trillion

Photo: Doc. Bank Jakarta

JAKARTA - Bank Jakarta managed to record a positive performance until the third quarter of 2025. Bank Jakarta's total assets were recorded at IDR 90.72 trillion, growing 12.37 percent on an annual basis (YoY) compared to the position in the third quarter of 2024 of IDR 80.74 trillion.

The asset growth was supported by an increase in Third Party Funds (DPK) which reached IDR 74.23 trillion, growing 16.90 percent (YoY) from IDR 63.50 trillion in the same period the previous year. In the midst of a competition to raise funds that is still tight, Bank Jakarta focuses on strengthening the funding structure through an increase in low-cost funds (CASA).

As a result, CASA's ratio grew significantly by 59.85 percent (YoY), becoming an important foundation for cost efficiency and stability of liquidity in supporting sustainable financing expansion.

On the financing side, Bank Jakarta's lending and financing grew solidly, especially in the MSME segment which increased 16.14 percent (YoY) to Rp6.62 trillion from Rp5.70 trillion in the same period the previous year. This growth reflects Bank Jakarta's active role in supporting regional economic productivity through inclusive and broad-impact financing distribution.

Bank Jakarta continues to strengthen collaboration with business actors, especially MSMEs in various productive sectors, through the development of more flexible credit products in tenors, interest rates, and payment schemes according to the needs of business actors.

"This positive performance is the result of the strong commitment of all Bank Jakarta personnel to grow as a strong, healthy, and national-class Regional Development Bank. We continue to strengthen the synergy with the DKI Jakarta Provincial Government and the entire city's economic ecosystem to encourage inclusive and sustainable economic growth," said the President Director of Bank Jakarta, Agus H. Widodo, in his statement, Monday, November 3.

Meanwhile, Bank Jakarta's Director of Finance & Strategy, Basaria Martha Juliana, added that the company consistently implements fundamental strengthening strategies through prudent risk management, business process transformation, and optimization of digital technology to support healthy and competitive business acceleration.

In terms of efficiency, Bank Jakarta continues to carry out various interest cost management initiatives optimally, including through increasing the CASA portion and adjusting corporate deposit interest rates. This step succeeded in reducing interest expense by 7.77 percent until September 2025.

In addition, operational expenditure management (OPEX) is also continuously optimized through business process efficiency, increasing labor productivity, and aligning the cost structure with the company's strategic priorities. This effort strengthens operational effectiveness while maintaining space for sustainable business growth.

With this achievement, until the third quarter of 2025, Bank Jakarta posted a net profit of IDR 520.81 billion, growing 1.46 percent (YoY) compared to the same period the previous year of IDR 513.23 billion. This growth was mainly supported by net interest income which rose 6.35 percent (YoY) from IDR 2.03 trillion to IDR 2.16 trillion in the third quarter of 2025.