JAKARTA, September 30, 2026 – PT Bank JTrust Indonesia Tbk (J Trust Bank/the Company) held its annual Public Expose to present its financial performance for the 2025 Financial Year and the First Semester of 2026. The event was attended by members of J Trust Bank's Board of Directors, namely Helmi A. Hidayat, Widjaja Hendra, and Felix I. Hartadi, accompanied by Rudyanto Gunawan as the Planning & Performance Division Head.
During the presentation, J Trust Bank’s Finance and Planning Director, Helmi A. Hidayat, explained the dynamics of the Company's profitability. "Net profit for the First Semester of 2026 was recorded at IDR 80.23 billion, demonstrating dynamic movement compared to the IDR 112.86 billion achieved in the same period last year. This 28.91% decline was primarily driven by pressure on net interest income, which corrected from IDR 390.29 billion to IDR 360.97 billion. In response to these challenges, our strategic priorities moving forward are to optimize the contribution of loan growth to revenue, restructure our funding composition, and accelerate fee-based income. On the other hand, our success in lowering the cost of funds to 4.69% is a positive milestone that we will maintain to drive profitability improvements," Helmi stated.
The acceleration of the Company's performance was propelled by solid intermediation functions. J Trust Bank successfully recorded loan disbursements of IDR 29.25 trillion as of the end of June 2026, representing an 8.59% growth compared to IDR 26.94 trillion in December 2025. Meanwhile, Third-Party Funds (DPK) grew steadily by 1.08% to IDR 33.92 trillion as of June 2026. This balanced growth successfully enhanced the Company's liquidity ratios, with the Loan to Funding Ratio (LFR) consistently climbing from 74.61% in 2023, to 78.25% in 2024, and reaching 84.82% in the First Semester of 2025.
The Bank's capital structure also showed significant reinforcement. The Company's total equity increased to IDR 3.71 trillion in June 2026 from IDR 3.15 trillion at the end of 2025. In line with this increase, the Capital Adequacy Ratio (CAR) surged to 14.53% from its previous position of 12.53%.
To ensure sustainable growth, management outlined a series of strategic plans to strengthen both capital and business operations, including:
- Revenue Optimization: Strengthening profitability by increasing fee-based income, participating in syndicated loans, and expanding digitalization and the branch network.
- Cost of Funds Efficiency: Launching innovative Current Account and Savings Account (CASA) products as low-cost funding sources to lower the cost of funds.
- Selective Expansion: Accelerating growth within the commercial, corporate, and retail segments.
To date, J Trust Bank operates through a network of 48 branch offices spread across strategic regions in Indonesia, supported by a comprehensive ecosystem of deposit products, loans, and digital banking services.
