Pt Bank Jago Tbk · IDX:ARTO
Pt Bank Jago Tbk — FY2025 Earnings Presentation
11 slides from Pt Bank Jago Tbk's earnings presentation, March 2026
Slide 1: FY 2025 Results Update
FY 2025 Results Update March 2026
Slide 2: Content
Content FY 2025 Results Update 2
Slide 3: FY25 performance highlights
FY25 performance highlights Sustained growth momentum in customers, funding & lending balances IDR 25.9tn 38% YoY Growth in 18.8tn Funding Balances 12.1tn 8.3tn 3.7tn FY ‘21 FY ‘22 FY ‘23 FY ‘24 FY ‘25 IDR 24.3tn 17.7tn 38% YoY Increase 13.0tn 9.4tn Lending Balances 5.4tn FY ‘21 FY ‘22 FY ‘23 FY ‘24
Slide 4: Strong and sustainable growth momentum continues
Strong and sustainable growth momentum continues Funding Growth TD CASA Lending Growth Customer Deposits, IDR tn Loan Balances, IDR tn 25.9 23.5 24.3 23.9 21.4 22.4 20.3 21.4 17.7 18.8 53% 54% 51% 48% 50% Dec ‘24 Mar ‘25 Jun ‘25 Sep ‘25 Dec ‘25 Dec ‘24 Mar ‘25 Jun ‘25 Sep ‘25 Dec ‘25 Net Interest In
Slide 5: Key ratios stable & maintained at a healthy level
Key ratios stable & maintained at a healthy level Net Interest Margin Return on Assets 8.8% 8.1% 8.1% 8.5% 8.0% 1.0% 1.0% 1.1% 1.1% 1.1% 4Q ‘24 1Q ‘25 2Q ‘25 3Q ‘25 4Q ‘25 4Q ‘24 1Q ‘25 2Q ‘25 3Q ‘25 4Q ‘25 Cost of Funds (End of Period) Non-Performing Loans & Cost of Credit 4.6% 3.5% 3.8% 4.1% 4.1%
Slide 6: Balance sheet
Balance sheet IDR billion Dec ‘24 Mar ‘25 Jun ‘25 Sep ‘25 Dec ‘25 YoY Cash & BI 1,022 1,703 1,552 1,567 1,495 Placement & Securities 7,474 8,018 6,883 6,916 8,002 Loans & Syariah Financing 17,701 20,258 21,434 23,465 24,347 38% • Partnership & Ecosystem Lending 17,644 20,196 21,194 22,920 23,641 • F
Slide 7: Income statement
Income statement IDR billion FY ‘24 1Q ‘25 2Q ‘25 3Q ‘25 4Q‘25 FY‘25 YoY Interest Income 2,053 789 804 874 947 3,414 Treasury 289 93 100 100 91 384 Conventional 1,753 694 703 773 854 3,024 Syariah 11 2 1 1 2 6 Interest Expense (499) (197) (230) (263) (258) (948) Net Interest Income 1,553 591 575 611
Slide 8: Ratios
Ratios % FY ‘24 1Q ‘25 2Q ‘25 3Q ‘25 4Q ‘25 FY ‘25 NIM 7.3 8.8 8.1 8.1 8.5 8.4 • Loans 8.0 10.4 9.1 9.0 9.9 9.5 • Treasury Assets 5.6 5.6 5.4 5.2 4.7 5.2 Cost of Fund (end of period) 3.7 4.0 4.1 4.4 3.8 3.8 Cost to Income 74 56 60 58 58 58 LDR 94 94 96 98 94 94 LAR 3.8 5.1 5.2 5.9 6.6 6.6 NPL 0.2 0.
Slide 9: Content
Content FY 2025 Results Update 9
Slide 10: 4Q 2025 Business Update
4Q 2025 Business Update new Biometric authorisation for FCY expansion of Jago FX USD 100 million Syndicated transactions (in pilot) proposition linked to Visa Card Term Loan Facility Improve users’ experience and sense of Expand our FX proposition to new currencies: ● Strengthen and diversify Jago’s
Slide 11: Jj Jago
Jj Jago