Pt Bank Jago Tbk · IDX:ARTO
Pt Bank Jago Tbk — Q1 2026 Earnings Presentation
11 slides from Pt Bank Jago Tbk's earnings presentation, April 2026
Slide 1: 1Q 2026 Results Update
1Q 2026 Results Update April 2026
Slide 2: Content
Content 1Q 2026 Results Update 2
Slide 3: 1Q26 performance highlights
1Q26 performance highlights Sustained growth momentum in customers, funding & lending balances IDR 25.2tn 23.5tn 24.3tn 24% YoY Increase 20.3tn 21.4tn Lending Balances Mar ‘25 Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 IDR 25.9tn 26.4tn 22.4tn 23.9tn 23% YoY Growth in 21.4tn HNWI, SME, Corporate Funding Balanc
Slide 4: Strong and sustainable growth momentum continues
Strong and sustainable growth momentum continues Lending Funding TD CASA Loan Balances, IDR tn Customer Deposits, IDR tn 25.2 25.9 26.4 23.5 24.3 22.4 23.9 20.3 21.4 21.4 54% 51% 48% 50% 53% Mar ‘25 Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 Mar ‘25 Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 Net Interest Income & Cost of
Slide 5: Key ratios stable & maintained at a healthy level
Key ratios stable & maintained at a healthy level Net Interest Margin Cost of Funds (End of Period) 8.8% 8.1% 8.5% 8.6% 8.1% 4.4% 4.0% 4.1% 3.8% 3.5% 1Q ‘25 2Q ‘25 3Q ‘25 4Q ‘25 1Q ‘26 1Q ‘25 2Q ‘25 3Q ‘25 4Q ‘25 1Q ‘26 Non-Performing Loans & Cost of Credit Return on Assets 4.6% 4.4% 3.5% 3.8% 4.1%
Slide 6: Balance sheet
Balance sheet IDR billion Mar ‘25 Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 YoY Cash & BI 1,703 1,552 1,567 1,495 2,860 Placement & Securities 8,018 6,883 6,916 8,002 8,777 Loans & Syariah Financing 20,258 21,434 23,465 24,347 25,195 24% • Partnership & Ecosystem Lending 20,196 21,194 22,920 23,641 24,274 • F
Slide 7: Income statement
Income statement IDR billion 1Q ‘25 2Q ‘25 3Q ‘25 4Q‘25 FY‘25 1Q ‘26 YoY Interest Income 789 804 874 947 3,414 987 Treasury 93 100 100 91 384 101 Conventional 694 703 773 854 3,024 884 Syariah 2 1 1 2 6 2 Interest Expense (197) (230) (263) (258) (948) (260) Net Interest Income 591 575 611 689 2,466
Slide 8: Ratios
Ratios % 1Q ‘25 2Q ‘25 3Q ‘25 4Q ‘25 FY ‘25 1Q ‘26 NIM 8.8 8.1 8.1 8.5 8.4 8.6 • Loans 10.4 9.1 9.0 9.9 9.5 10.0 • Treasury Assets 5.6 5.4 5.2 4.7 5.2 4.5 Cost of Fund IDR (End of Period) 4.0 4.1 4.4 3.8 3.8 3.5 • Digital Banking 3.0 3.0 3.0 2.9 2.9 2.6 Cost to Income 56 60 58 58 58 56 LDR 94 96 98
Slide 9: Content
Content 1Q 2026 Results Update 9
Slide 10: 1Q 2026 Business Update
1Q 2026 Business Update new Consolidated Asset View Jago x Bibit Instant New asset class: Digital Security and regulatory (public launch) Redemption Expansion Gold advancements Pilot Pilot RDN Withdrawal Security Validation Enhancing RDN proposition with security validation for fund withdrawals to a
Slide 11: Jago
Jj Jago