Jakarta, 23 July 2026 - PT Bank Jago Tbk continued its growth trajectory backed by solid fundamentals. This was reflected in its positive performance throughout the first half of 2026 (H1-2026), marked by an increase in customer numbers, third party funds, and loan disbursements.
As of the end of June 2026, Bank Jago has served 20.1 million customers, including 14.7 million funding customers using the Jago App. Bank Jago’s customer base grew by nearly 3 million compared to the 17,2 million recorded at the end of H1-2025.
The growing customer base contributed positively to third-party funds accumulation. By the end of the first half of this year, total third party funds reached IDR 27.6 trillion, a 23% increase from IDR 22.4 trillion at the end of June 2025. Current account and savings account (CASA) dominated the third-party funds structure at 53% (IDR 14.6 trillion), while time deposits accounted for 47% (IDR 13.1 trillion).
On the lending side, total loan disbursements reached IDR 26.6 trillion at the end of H1-2026, up 24% compared to IDR 21.4 trillion in the same period last year. Bank Jago prioritized asset quality and prudent lending practices, as evidenced by its gross non-performing loan (NPL) ratio of 0.8%, which remained significantly lower than the national banking average.
"As a tech-based bank, this business growth is driven by product and service innovations, along with strong collaboration with our strategic ecosystem partners. Through this, we can deliver relevant financial solutions across various customer segments while building solid fundamentals for future growth," said Bank Jago President Director Arief Harris.
For instance, Bank Jago's integration with the Bibit and Stockbit ecosystems enabled customers to seamlessly connect and purchase investment products, such as mutual funds, bonds, and stocks. Over 3.6 million Jago App users were currently connected with the Bibit and Stockbit applications.
Meanwhile, lending collaborations with digital platforms, ecosystem partners, and financing companies - including BFI Finance - allowed customers to access credit facilities while expanding Bank Jago’s loan portfolio rapidly and measurably. Lending through partners continued to serve as the primary engine for Bank Jago's financing business.
"We are committed to maintaining the business and lending collaboration initiatives that have been successfully built over the past five years. At the same time, we are expanding direct lending to customers through responsible lending principles to reach a broader market segment," Arief explained.
As part of its commitment to responsible lending, Bank Jago introduced the Rapor Kredit (Credit Report) feature on the Jago App to help borrowers understand their credit health. Through this Rapor Kredit feature, users can access transparent credit health information directly within the app, enabling them to evaluate their financial capacity and make well-informed borrowing decisions tailored to their needs.
By the end of June 2026, Bank Jago’s total assets reached IDR 41.4 trillion, growing 28% compared to IDR 32.4 trillion in June 2025. In line with asset growth, profitability rose with net profit after tax (NPAT) reaching IDR 189 billion — a 49% increase from IDR 127 billion recorded at the end of H1-2025.
Backing these strong fundamentals, Bank Jago maintained a solid capital adequacy ratio (CAR) of 28.4%, highlighting a strong capital cushion to continuously innovate, collaborate, and sustain long-term business growth.
"We want Bank Jago to be known not just as a bank in the customer's pocket, but as a tech-based bank that empowers customers, ecosystem partners, and stakeholders to expand their growth opportunities together through impactful innovation and collaboration," Arief concluded.
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About Bank Jago
Specifically built as a tech-based bank embedded within Indonesia’s digital ecosystem, Bank Jago aspires to enhance the growth of millions through life-centric digital financial solutions. Bank Jago develops banking products and services, both conventional and sharia, that can be used by everyone, including retail (consumers), affluent market, and micro, small, and medium enterprises (MSMEs).
Bank Jago develops Jago App, which is designed to be embedded within various digital ecosystems, and can be customized and personalized so it can be compatible with their ecosystems, and also with the users’ personal needs. The collaborations with various ecosystems enable users to live their life more conveniently.
For further information, please contact:
Marchelo
Corporate Communication
PT Bank Jago Tbk
