JAKARTA – September 22, 2025. PT Bank JTrust Indonesia Tbk (J Trust Bank/the Company) held a Public Expose with an agenda related to the performance of Fiscal Year 2024 and the First Half of 2025, attended by J Trust Bank Directors, Helmi A Hidayat and Widjaja Hendra.
J Trust Bank's Finance and Planning Director, Helmi A Hidayat, stated, “The Company was able to record a positive profit in the 2024 fiscal year with a net profit of Rp 2.83 billion and enhanced its positive performance by recording a net profit of Rp 112.86 billion in the Financial Statements for the First Half of 2025.”
The catalyst for this performance improvement was driven by loan growth, which increased by 11.09% YoY (Year on Year) in 2024 to Rp 26.53 trillion from Rp 23.87 trillion previously, and grew by 8.59% YTD (Year to Date) in the First Half of 2025 to Rp 28.81 trillion.
Meanwhile, third-party funds (DPK) also saw an increase of 5.92% YoY to Rp 33.89 trillion from Rp 32.01 trillion in 2024, and grew by 0.19% YTD in the First Half of 2025 to Rp 33.96 trillion.
This combination of growth ultimately led to an increase in the Company's LFR (Loan to Funding Ratio) from 74.61% in 2023 to 78.25% in 2024, and 84.82% in the First Half of 2025.
In the same period, the Company also successfully reduced its operating expenses to operating income (BOPO) ratio, which continuously decreased from 99.12% in 2023, to 97.26% in 2024, and 93.33% in the First Half of 2025.
During the performance presentation, several strategic plans for strengthening the Bank's capital were outlined, including: (1) strengthening profits through fee-based income, syndicated loans, as well as digitalization and network; (2) creating current account & savings account-based products, which are a source of low-cost funds to reduce the cost of funds; (3) expansion in commercial, corporate, and retail businesses.
J Trust Bank's Business Director, Widjaja Hendra, added, “J Trust Bank continues to focus on business expansion through the Commercial, Corporate, and Retail segments, which of course, aligning with government economic policies. We are enthusiastic about supporting and serving business players in the agriculture, manufacturing, infrastructure, and renewable energy sectors.”
As of June 2025, the green credit portfolio, or financing for environmentally sound business activities, amounted to Rp 2.7 trillion, which represents 9.36% of J Trust Bank's total credit portfolio in the same period.
