Pt Bank Jago Tbk · IDX:ARTO
Pt Bank Jago Tbk — H1 2026 Earnings Presentation
13 slides from Pt Bank Jago Tbk's earnings presentation, July 2026
Slide 1: 1H 2026 Analyst Meeting
1H 2026 Analyst Meeting July 2026
Slide 2: Content: 1H 2026 Results
Content 1H 2026 Results Update
Slide 3: 1H26 performance highlights
1H26 performance highlights Delivering sustainable growth despite macroeconomic headwinds IDR 25.2tn 26.6tn 23.5tn 24.3tn 24% YoY Increase 21.4tn Lending Balances Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 Jun ‘26 IDR 27.6tn 25.9tn 26.4tn 22.4tn 23.9tn 23% YoY Growth in HNWI, SME, Corporate Funding Balances Di
Slide 4: Continue to demonstrate healthy & viable growth
Continue to demonstrate healthy & viable growth Lending Growth Funding Growth TD CASA Loan Balances, IDR tn Customer Deposits, IDR tn 26.6 26.4 27.6 25.9 23.5 24.3 25.2 22.4 23.9 21.4 51% 48% 50% 53% 53% Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 Jun ‘26 Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 Jun ‘26 Operating Net In
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) 8.1% 8.1% 8.5% 8.6% 8.4% 4.4% 4.1% 3.8% 3.5% 3.5% 2Q ‘25 3Q ‘25 4Q ‘25 1Q ‘26 2Q ‘26 2Q ‘25 3Q ‘25 4Q ‘25 1Q ‘26 2Q ‘26 Non-Performing Loans & Cost of Credit NPL COC Return on Assets 4.1% 4.4% 4.3% 3.
Slide 6: Balance sheet
Balance sheet IDR billion Jun ‘25 Sep ‘25 Dec ‘25 Mar ‘26 Jun ‘26 YoY Cash & BI 1,552 1,567 1,495 2,860 1,822 Placement & Securities 6,883 6,916 8,002 8,777 10,145 Loans & Syariah Financing 21,434 23,465 24,347 25,195 26,625 24% • Partnership & Ecosystem Lending 21,194 22,920 23,641 24,274 26,212 •
Slide 7: Income Statement
Income Statement IDR billion 1H ‘25 FY‘25 1Q ‘26 2Q‘26 1H ‘26 YoY Interest Income 1,593 3,414 987 1,042 2,029 Treasury 193 384 101 121 222 Conventional 1,397 3,024 884 916 1,800 Syariah 3 6 2 4 6 Interest Expense (427) (948) (260) (279) (538) Net Interest Income 1,166 2,466 727 763 1,490 28% Fee Inc
Slide 8: Ratios
Ratios % 1H ‘25 FY ‘25 1Q ‘26 2Q ‘26 1H ‘26 NIM 8.4 8.4 8.6 8.4 8.5 • Loans 9.7 9.5 10.0 9.9 9.9 • Treasury Assets 5.5 5.2 4.5 4.5 4.5 Cost of Fund IDR (End of Period) 4.1 3.8 3.5 3.5 3.5 • Digital Banking 3.0 2.9 2.6 2.7 2.7 Cost to Income 58 58 56 57 56 LDR 96 94 95 96 96 LFR 96 94 90 90 90 LAR 5.
Slide 9: Content: 1H 2026 Results
Content 1H 2026 Results Update
Slide 10: 2Q 2026 Business Update
2Q 2026 Business Update Jago Brand Refresh New Features in Jago Pocket Inspiration Marking five years since our A feature that assesses users’ initial launch, we have financial behavior to deliver personalized money evolved our brand to align management with our growing set of recommendations through
Slide 11: 2Q 2026 Business Update
2Q 2026 Business Update Security enhancements Partner feature expansion Regulatory & compliance Active Call Protection GoPay Tabungan by Jago (GPT) Inactive and Dormant Account* Cardless cash withdrawal Pilot Standardized treatment for inactive using GPT at convenience and dormant accounts stores an
Slide 12: 2Q 2026 Business Update
2Q 2026 Business Update More than doubled direct acquisition from Q1 Improved activation and the # of transaction types1 performed by 2024 to Q2 2026, while reducing CPA by >40% newly acquired customers in the first 30 days Jun-26 Jun-26 Jun-25 Jun-25 ‘000 IDR ‘000 Jun-24 Later cohorts Jun-24 Later c
Slide 13: THANK YOU
THANK YOU