20251029_ARTO_Laporan Informasi dan Fakta Material_31980503_lamp2.pdf

PRESS RELEASE

                  Bank Jago Maintains Growth Momentum in Q3-2025

Jakarta, 29 October 2025 – PT Bank Jago Tbk once again recorded consistent business
growth through the end of the third quarter of 2025. Continuous innovation and strong
collaboration with digital financial ecosystems have driven Bank Jago’s performance across
various areas, including customer acquisition, third-party funds collection, and lending.

As of the end of Q3-2025, Bank Jago had 18.6 million customers, including 14.5 million funding
customers using the Jago and Jago Syariah Apps. This represented an increase of more than
4.5 million from 14.1 million customers in the same period last year.

The growing number of funding customers aligned with an increase in third-party funds, which
reached IDR 23.9 trillion by the end of September 2025, up 41% from IDR 17 trillion a year
earlier.​
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“These positive results are a testament to the tangible value created through innovation and
collaboration with various digital financial ecosystems. Through the digital financial solutions we
provide, many customers are empowered to manage their finances and lives more effectively,”
said Arief Harris Tandjung, President Director of Bank Jago.

Collaborations with a wide range of partners, including digital ecosystems and platforms,
financing companies, and other financial institutions, also contributed to loan growth. Bank Jago
recorded total loans of IDR 23.5 trillion as of September 2025, growing 36% from IDR 17.3
trillion a year earlier. Loan disbursement continued to apply prudent risk management principles,
as reflected in the low gross non-performing loan (NPL) ratio of 0.4%, well below the national
banking average.

Healthy loan growth drove total assets to IDR 34.5 trillion as of September 2025, up 28% from
IDR 26.8 trillion in September 2024. With positive growth in both DPK and lending, Bank Jago
posted a net profit after tax of IDR 199 billion for the first nine months of 2025, increasing 132%
from IDR 86 billion in the same period last year.

The loan-to-deposit ratio (LDR) stood at 98%, supported by a capital adequacy ratio (CAR) of
32.9%, reflecting healthy liquidity and a strong capital position to support future business
growth.

“We are grateful to maintain a sustainable balance between growth and profitability. This
continues to motivate us to innovate and collaborate in delivering digital financial products and
services that enhance the lives of millions of customers in Indonesia,” Arief concluded.

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