Pt Bank Jago Tbk · IDX:ARTO
Pt Bank Jago Tbk — 9M 2025 Earnings Presentation
11 slides from Pt Bank Jago Tbk's earnings presentation, October 2025
Slide 1: 9M 2025 Results Update
9M 2025 Results Update October 2025
Slide 2: Content
Content 9M 2025 Results Update 2
Slide 3: 9M25 performance highlights
9M25 performance highlights Maintain growth momentum in customers, funding & lending balances IDR 23.9tn 21.4tn 22.4tn 18.8tn 41% YoY Growth in 16.9tn Funding Balances 0.8tn Sep ‘24 Dec ‘24 Mar ‘25 Jun ‘25 Sep ‘25 IDR 21.4tn 23.5tn 20.3tn 36% YoY Increase 17.3tn 17.7tn Lending Balances Sep ‘24 Dec ‘
Slide 4: Maintain strong and sustainable growth momentum
Maintain strong and sustainable growth momentum Funding Growth TD CASA Lending Growth Customer Deposits, IDR tn Loan Balances, IDR tn 22.4 23.9 23.5 20.3 21.4 21.4 18.8 17.3 17.7 16.9 53% 54% 51% 48% 57% Sep ‘24 Dec ‘24 Mar ‘25 Jun ‘25 Sep ‘25 Sep ‘24 Dec ‘24 Mar ‘25 Jun ‘25 Sep ‘25 Risk Adjusted Re
Slide 5: Key ratios maintained at a healthy level
Key ratios maintained at a healthy level Net Interest Margin Return on Assets 8.8% 8.1% 8.0% 8.1% 6.7% 1.0% 1.0% 1.1% 1.1% 0.7% 3Q ‘24 4Q ‘24 1Q ‘25 2Q ‘25 3Q ‘25 3Q ‘24 4Q ‘24 1Q ‘25 2Q ‘25 3Q ‘25 Cost of Funds (End of Period) Non-Performing Loans & Cost of Credit 4.6% 4.4% 3.5% 3.8% 4.0% 4.1% 3.0%
Slide 6: Balance sheet
Balance sheet IDR billion Sep ‘24 Dec ‘24 Mar ‘25 Jun ‘25 Sep ‘25 YTD YoY Cash & BI 1,595 1,022 1,703 1,552 1,567 Placement & Securities 5,651 7,474 8,018 6,883 6,916 Loans & Syariah Financing 17,256 17,701 20,258 21,434 23,465 33% 36% • Partnership & Ecosystem Lending 16,983 17,644 20,196 21,194 22
Slide 7: Income statement
Income statement IDR billion 9M ‘24 FY ‘24 1Q ‘25 2Q ‘25 3Q ‘25 9M ‘25 QoQ YoY Interest Income 1,412 2,053 789 804 874 2,467 9% 75% Treasury 207 289 93 100 100 293 Conventional 1,196 1,753 694 703 773 2,170 Syariah 9 11 2 1 1 4 Interest Expense (335) (499) (197) (230) (263) (690) 14% 106% Net Intere
Slide 8: Ratios
Ratios % 9M ‘24 FY ‘24 1Q ‘25 2Q ‘25 3Q ‘25 9M ‘25 NIM 7.1 7.3 8.8 8.1 8.1 8.3 • Loans 7.6 8.0 10.4 9.1 9.0 9.4 • Treasury Assets 5.5 5.6 5.6 5.4 5.2 5.4 Cost of Fund (end of period) 3.4 3.7 4.0 4.1 4.4 4.4 Cost to Income 78 74 56 60 58 58 LDR 102 94 94 96 98 98 LAR 3.5 3.8 5.1 5.2 5.9 5.9 NPL 0.2 0
Slide 9: Content
Content 9M 2025 Results Update 9
Slide 10: 3Q 2025 Business Update
3Q 2025 Business Update Open market launch Public launch Pilot launch Jago Dana Cepat Jago Digital Pro Card Consolidated Asset View Unsecured cash loan that can be ● Tapping new segment of debit card users View investment portfolio across disbursed in seconds, with responsible in the digital entrepr
Slide 11: Jago
Jj Jago