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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	3,611,583	3,413,533	2,052,751	1,874,936	1,500,465	652,419
Interest Paid on Deposits	1,009,758	947,545	499,326	309,493	147,469	62,681
Net Interest Income	2,601,825	2,465,988	1,553,425	1,565,443	1,352,996	589,738
Net Interest Income Growth (YoY)	44.55%	58.75%	-0.77%	15.70%	129.42%	812.29%
Gain (Loss) on Sale of Assets	11	253	229	-366	32	690
Other Non-Interest Income	471,033	438,215	285,081	192,999	77,840	19,532
Total Non-Interest Income	471,044	438,468	285,310	192,633	77,872	20,222
Non-Interest Income Growth (YoY)	47.90%	53.68%	48.11%	147.37%	285.09%	-14.15%
Revenues Before Loan Losses	3,072,869	2,904,456	1,838,735	1,758,076	1,430,868	609,960
Provision for Loan Losses	897,578	852,995	298,162	397,287	392,486	56,187
Revenue	2,175,291	2,051,461	1,540,573	1,360,789	1,038,382	553,773
Revenue Growth (YoY)	31.57%	33.16%	13.21%	31.05%	87.51%	1006.04%
Salaries and Employee Benefits	562,942	549,022	506,047	439,268	322,909	181,651
Selling, General & Administrative	1,217,398	1,137,418	836,077	823,333	693,375	352,177
Other Non-Interest Expense	9,940	13,413	17,610	11,760	9,347	8,752
Total Non-Interest Expense	1,791,448	1,700,354	1,361,214	1,267,226	1,017,954	544,639
EBT Excluding Unusual Items	383,843	351,107	179,359	93,563	20,428	9,134
Pretax Income	383,843	351,107	179,359	93,563	20,428	9,134
Income Tax Expense	82,105	74,873	50,841	21,201	4,515	-76,890
Net Income	301,738	276,234	128,518	72,362	15,913	86,024
Net Income to Common	301,738	276,234	128,518	72,362	15,913	86,024
Net Income Growth	80.59%	114.94%	77.60%	354.73%	-81.50%	-
Basic Shares Outstanding	13,861	13,861	13,857	13,856	13,856	13,277
Diluted Shares Outstanding	14,179	14,141	13,992	13,985	13,856	13,277
Shares Change (YoY)	1.33%	1.06%	0.05%	0.93%	4.36%	57.49%
EPS (Basic)	21.77	19.93	9.27	5.22	1.15	6.48
EPS (Diluted)	21.28	19.53	9.19	5.17	1.15	6.48
EPS Growth	78.08%	112.51%	77.76%	350.18%	-82.27%	-
Effective Tax Rate	21.39%	21.32%	28.35%	22.66%	22.10%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.