Pt Bank Jago Tbk · IDX:ARTO
Pt Bank Jago Tbk — H1 2025 Earnings Presentation
11 slides from Pt Bank Jago Tbk's earnings presentation, July 2025
Slide 1: 1H 2025 Results Update
1H 2025 Results Update July 2025
Slide 2: Content
Content 1H 2025 Results Update 2
Slide 3: 1H25 performance highlights
1H25 performance highlights Maintain growth momentum in customers, funding & lending balances IDR 22.4tn 21.4tn 16.9tn 18.8tn 51% YoY Growth in 14.8tn Funding Balances 0.8tn Jun ‘24 Sep ‘24 Dec ‘24 Mar ‘25 Jun ‘25 IDR 21.4tn 20.3tn 15.7tn 17.3tn 17.7tn 37% YoY Increase Lending Balances Jun ‘24 Sep ‘
Slide 4: Maintain strong and sustainable growth momentum
Maintain strong and sustainable growth momentum CASA ratio continues to be healthy TD CASA Expansion in lending balances Customer Deposits, IDR tn Loan Balances, IDR tn 21.4 22.4 18.8 20.3 21.4 16.9 17.3 17.7 14.8 15.7 57% 53% 54% 51% 61% Jun ‘24 Sep ‘24 Dec ‘24 Mar ‘25 Jun ‘25 Jun ‘24 Sep ‘24 Dec ‘
Slide 5: Key ratios maintained at a healthy level
Key ratios maintained at a healthy level Net Interest Margin Return on Assets 8.0% 8.8% 8.1% 7.2% 6.7% 1.0% 1.0% 1.1% 0.6% 0.7% 2Q ‘24 3Q ‘24 4Q ‘24 1Q ‘25 2Q ‘25 2Q ‘24 3Q ‘24 4Q ‘24 1Q ‘25 2Q ‘25 Cost of Funds (End of Period) Non-Performing Loans & Cost of Credit 4.6% 3.5% 4.0% 4.1% 3.0% 3.4% 3.7%
Slide 6: Balance sheet
Balance sheet IDR billion Jun ‘24 Sep ‘24 Dec ‘24 Mar ‘25 Jun ‘25 YTD YoY Cash & BI 1,464 1,595 1,022 1,703 1,552 Placement & Securities 4,940 5,651 7,474 8,018 6,883 Loans & Syariah Financing 15,671 17,256 17,701 20,258 21,434 21% 37% • Partnership & Ecosystem Lending 15,279 16,983 17,644 20,196 21
Slide 7: Income statement
Income statement IDR billion 1H ‘24 FY ‘24 1Q ‘25 2Q ‘25 1H ‘25 QoQ YoY Interest Income 912 2,053 789 804 1,593 2% 75% Treasury 131 289 93 100 193 Conventional 773 1,753 694 703 1,397 Syariah 8 11 2 1 3 Interest Expense (204) (499) (197) (230) (427) 16% 110% Net Interest Income 708 1,553 591 575 1,1
Slide 8: Ratios
Ratios % 1H ‘24 FY ‘24 1Q ‘25 2Q ‘25 1H ‘25 NIM 7.3 7.3 8.8 8.1 8.4 • Loans 8.0 8.0 10.4 9.1 9.7 • Treasury Assets 5.3 5.6 5.6 5.4 5.5 Cost of Fund (end of period) 3.1 3.7 4.0 4.1 4.1 Cost to Income 79 74 56 60 58 LDR 106 94 94 96 96 LAR 3.3 3.8 5.1 5.2 5.2 NPL 0.4 0.2 0.3 0.3 0.3 Cost of Credit/Avg
Slide 9: Content
Content 1H 2025 Results Update 9
Slide 10: We have continued to push new collaborations with partners while building user quality
We have continued to push new collaborations with partners while building user quality New and enhanced features for Optimize user quality of direct Expand FX proposition ecosystem partners acquisition GoPay Deposito by Jago Debit card linked to FX pockets Elevate paid media optimization Creation an
Slide 11: Jago
Jj Jago