PT Bank Jago Tbk (IDX:ARTO)

PT Bank Jago Tbk Income Statement

Financials in millions IDR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,107,396	2,052,751	1,874,936	1,500,465	652,419	90,071
Interest Paid on Deposits	853,902	499,326	309,493	147,469	62,681	25,427
Net Interest Income	2,253,494	1,553,425	1,565,443	1,352,996	589,738	64,644
Net Interest Income Growth (YoY)	57.22%	-0.77%	15.70%	129.42%	812.29%	462.12%
Gain (Loss) on Sale of Assets	99	229	-366	32	690	-1,570
Other Non-Interest Income	397,125	285,081	192,999	77,840	19,532	25,126
Total Non-Interest Income	396,496	285,310	192,633	77,872	20,222	23,556
Non-Interest Income Growth (YoY)	46.67%	48.11%	147.37%	285.09%	-14.15%	1337.22%
Revenues Before Loan Losses	2,649,990	1,838,735	1,758,076	1,430,868	609,960	88,200
Provision for Loan Losses	751,750	298,162	397,287	392,486	56,187	38,132
Revenue	1,898,240	1,540,573	1,360,789	1,038,382	553,773	50,068
Revenue Growth (YoY)	27.97%	13.21%	31.05%	87.51%	1006.04%	-
Salaries and Employee Benefits	530,589	506,047	439,268	322,909	181,651	157,791
Selling, General & Administrative	1,026,794	836,077	823,333	693,375	352,177	73,776
Other Non-Interest Expense	15,651	17,610	11,760	9,347	8,752	5,802
Total Non-Interest Expense	1,573,492	1,361,214	1,267,226	1,017,954	544,639	239,635
EBT Excluding Unusual Items	324,748	179,359	93,563	20,428	9,134	-189,567
Pretax Income	324,748	179,359	93,563	20,428	9,134	-189,567
Income Tax Expense	82,933	50,841	21,201	4,515	-76,890	-
Net Income	241,815	128,518	72,362	15,913	86,024	-189,567
Net Income to Common	241,815	128,518	72,362	15,913	86,024	-189,567
Net Income Growth	124.10%	77.60%	354.73%	-81.50%	-	-
Basic Shares Outstanding	13,861	13,857	13,856	13,856	13,277	8,431
Diluted Shares Outstanding	14,104	13,992	13,985	13,856	13,277	8,431
Shares Change (YoY)	0.80%	0.05%	0.93%	4.36%	57.49%	598.91%
EPS (Basic)	17.45	9.27	5.22	1.15	6.48	-22.49
EPS (Diluted)	17.15	9.19	5.17	1.15	6.48	-22.49
EPS Growth	122.77%	77.76%	350.18%	-82.27%	-	-
Effective Tax Rate	25.54%	28.35%	22.66%	22.10%	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.