Jakarta, June 30, 2026 – Amid ongoing global economic uncertainty, many companies are faced with a critical choice: pursue growth and build a strong foundation for sustainable long-term success. For PT Bank JTrust Indonesia Tbk (J Trust Bank), the choice is clear. The Company remains committed to strengthening its business fundamentals first, ensuring that every step toward growth delivers sustainable value for all stakeholders.
This commitment was reaffirmed at the Company's 2026 Annual General Meeting of Shareholders (AGMS), held in Jakarta on Tuesday, June 30, 2026 at Sahid Sudirman Center Building. Beyond fulfilling its accountability for the 2025 financial year, the meeting also marked an important milestone in reinforcing the Bank's transformation strategy as it navigates the increasingly dynamic banking industry. Throughout 2025, J Trust Bank focused on a period of consolidation. Rather than pursuing short-term expansion, the Bank prioritized building a stronger business foundation through robust corporate governance, disciplined risk management, and the maintenance of high-quality assets.
In 2025, J Trust Bank chose not to pursue aggressive growth, but instead focused on reinforcing its business foundation through more measurable corporate governance, internal control, asset quality, and risk management. Healthy growth must be built prudently in order to create long-term value. The Bank's 2025 fundamental performance reflected this approach, recording gross loan growth of 1.54% year-on-year, while asset quality remained healthy with a Non-Performing Loan (NPL) ratio of 2.26%. Meanwhile, the Loan-to-Deposit Ratio (LDR) stood at 80.27%, demonstrating prudent liquidity management and the Bank's ability to maintain a healthy balance between business growth and risk management. Looking ahead, J Trust Bank will continue to enhance profitability by driving selective loan growth, strengthening low-cost funding through Current Account and Savings Account (CASA) deposits, increasing fee-based income, improving operational efficiency, and accelerating the development of digital banking services that better meet customers' evolving needs.
J Trust Bank remains committed to the implementation of sustainable finance by continuously developing green financing, running environmental conservation programs, and reinforcing Corporate Social Responsibility (CSR) programs that focus on economic, social, and environmental pillars. J Trust Bank will maintain execution discipline, improve efficiency, and ensure that business growth remains within the corridor of sound corporate governance and risk management. As of the end of 2025, green financing for environmentally sustainable business activities accounted for 9.95% of the Bank's total loan portfolio. This commitment was further demonstrated through various environmental initiatives, including the planting of 14,500 mangrove trees, as well as the implementation of 19 Corporate Social Responsibility (CSR) programs that generated positive impacts across the economic, social, and environmental pillars.
As the Bank moves forward, J Trust Bank will continue to uphold prudent banking practices, reinforce its business fundamentals, foster service innovation, and expand its contribution to sustainable development. For the Bank, true growth is not measured solely by financial performance, but by its ability to build a stronger, more trusted institution that grows together with its customers and all stakeholders.
The agenda of the Annual General Meeting of Shareholders (AGMS) consisted of: (1) the approval of the Company's Annual Report and the ratification of the Company's Financial Statements, including the Supervisory Report of the Board of Commissioners for the financial year ended December 31, 2025; (2) the determination of salaries or honoraria, including benefits and allowances, for the members of the Board of Directors and the Board of Commissioners for the 2026 financial year; (3) the approval of the appointment of the Public Accountant and Public Accounting Firm; (4) the approval of amendments to the Company's Articles of Association; and (5) changes to the composition of the Company's Board of Directors and Board of Commissioners.
The AGMS also approved changes to the composition of the Company's management as follows:
Board of Directors:
- Ritsuo Fukadai – President Director
- Masayoshi Kobayashi – Vice President Director
- Felix I. Hartadi – Director
- Helmi A. Hidayat – Director
- Cho Won June – Director
- Widjaja Hendra – Director
- Raja Pardede – Appointed as Director, whereby the appointment will become effective upon obtaining approval through the Fit and Proper Test conducted by the Indonesian Financial Services Authority (OJK)
Board of Commissioners:
- Nobiru Adachi – President Commissioner
- Nobuiku Chiba – Commissioner
- Benny Siswanto – Independent Commissioner
- Abdullah Firman Wibowo – Independent Commissioner
