Jakarta, 12 March 2026 - PT Bank Jago Tbk recorded solid and consistently grew business performance throughout 2025. This growth aligned with the company’s commitment to providing relevant digital financial solutions to the public through continuous innovation and collaboration.
Bank Jago improved its performance across several business areas, including customer numbers, third-party funds collection, and lending. By the end of 2025, Bank Jago’s total customers reached 18.2 million, including 14.2 million funding customers using the Jago and Jago Syariah Apps. The total number of customers increased by nearly 3 million compared to the same period last year, which stood at 15.3 million customers.
In line with the growing number of funding customers, third-party fund collection showed strong growth. By the end of December 2025, total third-party funds reached Rp25.9 trillion, an increase of 38% compared to Rp18.8 trillion in the same period the previous year.
“We see a strong relationship between customer growth and the increase in third-party funds. This reflects that more customers trust and use Bank Jago’s products and services as part of their financial management,” said President Director of Bank Jago Arief Harris.
In 2025, Bank Jago continued to enhance its Jago App, which has uniqueness, can be personalized based on their needs. To complement its financial management functions through the Pockets feature, the Jago App introduced Foreign Currency Pockets for savings and transactions in foreign currencies, as well as the Digital Pro Card for individual business owners’ transaction needs.
Strong collaboration with various strategic partners, ranging from digital ecosystems and platforms to financing companies and other financial institutions, remained a key driver of Bank Jago’s loan growth throughout 2025. At the same time, Bank Jago developed Jago Dana Cepat, a direct app-based loan product to customers based on the concept of responsible lending.
By the end of 2025, Bank Jago had distributed Rp24.3 trillion in loans, an increase of 38% from Rp17.7 trillion in the same period the previous year. This growth was maintained with disciplined risk management and prudent principles, reflected in a low gross non-performing loan (NPL) ratio of 0.6%, better than the national banking industry average.
Along with healthy loan expansion, Bank Jago’s total assets reached Rp36.5 trillion as of December 2025, up 28% from Rp28.5 trillion in 2024. Because of the combination of positive third-party funds and loan growth, Bank Jago recorded net profit after tax (NPAT) of Rp276 billion, an increase of 115% from Rp129 billion in the previous year.
The loan-to-deposit ratio (LDR) stood at 94%, while the capital adequacy ratio (CAR) reached 31.6%. This indicated healthy liquidity and strong capital levels for Bank Jago to continue innovating and growing its business sustainably.
“We appreciate all customers, partners, and other Bank Jago stakeholders for their trust and collaboration so far. The achievements in 2025 continue to motivate us to innovate and collaborate in providing financial products and services that can improve the lives of millions of customers in Indonesia,” 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), mass 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
