Jakarta, October 29, 2025 – PT Bank JTrust Indonesia Tbk (J Trust Bank) has announced its positive performance for Q3 2025, achieving a Net Interest Income of IDR 582.54 billion and an accumulated Net Profit of IDR 63.74 billion.
This success is attributed to a significant increase in gross loans, which rose to IDR 27.06 trillion, up from IDR 26.52 trillion year-to-date (YTD). Additionally, third-party funds (TPF) grew to IDR 34.21 trillion, compared to IDR 33.89 trillion YTD.
Ritsuo Fukadai, President Director of J Trust Bank, emphasized the bank's commitment to accelerating business growth through lending and funding while ensuring sustainable profitability. He noted that the bank is vigilant in monitoring its efforts to maintain healthy asset quality, especially given the global economic uncertainties and an increasingly challenging business environment.
J Trust Bank's credit growth remains strong, with its Non-Performing Loan (NPL) ratio staying within safe limits, below regulatory requirements. The Gross NPL stands at 2.71%, while the Net NPL is at 1.81%. The bank also has a solid capital position, with a Capital Adequacy Ratio (CAR) of 13.69% in Q3 2025, an increase from 13.08% in Q3 2024. Furthermore, Total Other Operating Income surged to IDR 198.51 billion in Q3 2025, compared to IDR 72.85 billion in Q3 2024, reflecting a remarkable year-on-year (YoY) growth of 172.70%. This improvement contributed to the bank's Net Profit growth for the third quarter of 2025.
To navigate the evolving market conditions in the coming months of 2025, J Trust Bank is focusing on quality growth initiatives and operational efficiency, supported by prudent risk management.
Looking ahead to the fourth quarter of 2025, J Trust Bank aims to achieve higher quality and sustainable growth through three key areas of focus: (1) credit and deposit growth, (2) profitability and efficiency, and (3) credit quality, liquidity, and capitalization.italization.
