PT Bank Jago Tbk Income Statement

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

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	4,104,797	3,413,533	2,052,751	1,874,936	1,500,465	652,419
Interest Paid on Deposits	1,113,371	947,545	499,326	309,493	147,469	62,681
Net Interest Income	2,991,426	2,465,988	1,553,425	1,565,443	1,352,996	589,738
Net Interest Income Growth	32.75%	58.75%	-0.77%	15.70%	129.42%	812.29%
Gain (Loss) on Sale of Assets	201	253	229	-366	32	690
Other Non-Interest Income	599,036	438,215	285,081	192,999	77,840	19,532
Total Non-Interest Income	588,607	438,468	285,310	192,633	77,872	20,222
Non-Interest Income Growth	50.85%	53.68%	48.11%	147.37%	285.09%	-14.15%
Revenues Before Loan Losses	3,580,033	2,904,456	1,838,735	1,758,076	1,430,868	609,960
Provision for Loan Losses	1,112,957	852,995	298,162	397,287	392,486	56,187
Revenue	2,467,076	2,051,461	1,540,573	1,360,789	1,038,382	553,773
Revenue Growth	29.97%	33.16%	13.21%	31.05%	87.51%	1006.04%
Salaries and Employee Benefits	605,707	549,022	506,047	439,268	322,909	181,651
Selling, General & Administrative	1,140,602	1,137,418	836,077	823,333	693,375	352,177
Other Non-Interest Expense	238,550	13,413	17,610	11,760	9,347	8,752
Total Non-Interest Expense	1,987,552	1,700,354	1,361,214	1,267,226	1,017,954	544,639
EBT Excluding Unusual Items	479,524	351,107	179,359	93,563	20,428	9,134
Pretax Income	479,524	351,107	179,359	93,563	20,428	9,134
Income Tax Expense	104,345	74,873	50,841	21,201	4,515	-76,890
Net Income	375,179	276,234	128,518	72,362	15,913	86,024
Net Income to Common	375,179	276,234	128,518	72,362	15,913	86,024
Net Income Growth	55.15%	114.94%	77.60%	354.73%	-81.50%	-
Basic Shares Outstanding	13,866	13,861	13,857	13,856	13,856	13,277
Diluted Shares Outstanding	14,169	14,141	13,992	13,985	13,856	13,277
Shares Change	0.46%	1.06%	0.05%	0.93%	4.36%	57.49%
EPS (Basic)	27.06	19.93	9.27	5.22	1.15	6.48
EPS (Diluted)	26.47	19.53	9.19	5.17	1.15	6.48
EPS Growth	54.33%	112.51%	77.76%	350.18%	-82.27%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	21.76%	21.32%	28.35%	22.66%	22.10%	-