Cash flow PT Bank Jago Tbk

Stocks

ARTO

ID1000136708

Banks

End-of-day quote INDONESIA S.E. Other stock markets 12/06/2026			5-day change	1st Jan Change
1,010.00 ^IDR	+4.12%		+8.60%	-48.86%

25/04	PT Bank Jago Tbk Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
17/03	Nomura Adjusts Bank Jago's Price Target to IDR1,600 From IDR2,275, Keeps at Neutral	MT

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Published financial data: PT BANK JAGO TBK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	65TCr	1,50000Cr	1,87500Cr	2,05300Cr	3,41400Cr
Interest Income, Total	65TCr	1,50000Cr	1,87500Cr	2,05300Cr	3,41400Cr
Interest On Deposits	6.27TCr	15TCr	31TCr	50TCr	95TCr
Interest Expense, Total	6.27TCr	15TCr	31TCr	50TCr	95TCr
Net Interest Income	59TCr	1,35300Cr	1,56500Cr	1,55300Cr	2,46600Cr
Gain (Loss) on Sale of Assets	69Cr	3.2Cr	-37Cr	23Cr	25Cr
Total Other Non Interest Income	4.41TCr	7.78TCr	19TCr	29TCr	44TCr
Non Interest Income, Total	4.48TCr	7.79TCr	19TCr	29TCr	44TCr
Revenues Before Provison For Loan Losses	63TCr	1,43100Cr	1,75800Cr	1,83900Cr	2,90400Cr
Provision For Loan Losses	9.23TCr	39TCr	40TCr	30TCr	85TCr
Total Revenues	54TCr	1,03800Cr	1,36100Cr	1,54100Cr	2,05100Cr
Salaries And Other Employee Benefits	18TCr	32TCr	44TCr	51TCr	55TCr
Selling General & Admin Expenses, Total	34TCr	69TCr	82TCr	84TCr	1,13700Cr
Total Other Non Interest Expense	875.2Cr	1.06TCr	1.03TCr	1.76TCr	1.34TCr
Non Operating (Income) Expenses	205.9Cr	-767.7Cr	-713.5Cr	148Cr	50Cr
Non Interest Expense, Total	53TCr	1,01800Cr	1,26700Cr	1,36100Cr	1,70000Cr
EBT, Excl. Unusual Items	913.4Cr	2.04TCr	9.36TCr	18TCr	35TCr
EBT, Incl. Unusual Items	913.4Cr	2.04TCr	9.36TCr	18TCr	35TCr
Income Tax Expense	-7.69TCr	451.5Cr	2.12TCr	5.08TCr	7.49TCr
Earnings From Continuing Operations	8.6TCr	1.59TCr	7.24TCr	13TCr	28TCr
Net Income to Company	8.6TCr	1.59TCr	7.24TCr	13TCr	28TCr
Net Income - (IS)	8.6TCr	1.59TCr	7.24TCr	13TCr	28TCr
Net Income to Common Incl Extra Items	8.6TCr	1.59TCr	7.24TCr	13TCr	28TCr
Net Income to Common Excl. Extra Items	8.6TCr	1.59TCr	7.24TCr	13TCr	28TCr
Per Share Items
Net EPS - Basic	6.48	1.15	5.22	9.27	19.93
Basic EPS - Continuing Operations	6.48	1.15	5.22	9.27	19.93
Basic Weighted Average Shares Outstanding	1.33TCr	1.39TCr	1.39TCr	1.39TCr	1.39TCr
Net EPS - Diluted	6.48	1.15	5.22	9.19	19.53
Diluted EPS - Continuing Operations	6.48	1.15	5.22	9.19	19.53
Diluted Weighted Average Shares Outstanding	1.33TCr	1.39TCr	1.39TCr	1.4TCr	1.41TCr
Normalized Basic EPS	0.43	0.92	4.22	8.09	15.83
Normalized Diluted EPS	0.43	0.92	4.22	8.01	15.52
Supplemental Items
Effective Tax Rate - (Ratio)	-841.8	22.1	22.66	28.35	21.32
Current Domestic Taxes	-	-	56Cr	-	-
Total Current Taxes	-	-	56Cr	-	-
Deferred Domestic Taxes	-7.69TCr	451.5Cr	2.06TCr	5.08TCr	7.49TCr
Total Deferred Taxes	-7.69TCr	451.5Cr	2.06TCr	5.08TCr	7.49TCr
Normalized Net Income	570.88Cr	1.28TCr	5.85TCr	11TCr	22TCr
Non-Cash Pension Expense	-278.9Cr	1.3Cr	123.8Cr	-29Cr	-33Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1,19300Cr	74TCr	1,77500Cr	3,22500Cr	3,93800Cr
Investment Securities, Total	4,64200Cr	4,81400Cr	3,48800Cr	4,26500Cr	4,08100Cr
Trading Asset Securities, Total	-	-	-	-	250.9Cr
Total investments	4,64200Cr	4,81400Cr	3,48800Cr	4,26500Cr	4,08400Cr
Gross Loans	5,36900Cr	9,42800Cr	13,02000Cr	17,70100Cr	24,34700Cr
Allowance For Loan Losses	-13TCr	-27TCr	-24TCr	-29TCr	-55TCr
Net Loans	5,24200Cr	9,15800Cr	12,77800Cr	17,41300Cr	23,79400Cr
Gross Property Plant And Equipment	18TCr	20TCr	20TCr	23TCr	24TCr
Accumulated Depreciation	-3.13TCr	-5.59TCr	-8.47TCr	-11TCr	-14TCr
Net Property Plant And Equipment	14TCr	14TCr	12TCr	12TCr	11TCr
Other Intangibles, Total	50TCr	89TCr	1,39300Cr	1,89200Cr	2,32000Cr
Accrued Interest Receivable	8.71TCr	14TCr	14TCr	24TCr	33TCr
Other Receivables	4.37TCr	6.93TCr	7.78TCr	7.7TCr	12TCr
Restricted Cash	23TCr	72TCr	1,17900Cr	1,00600Cr	1,47700Cr
Other Current Assets, Total	7.61TCr	12TCr	14TCr	16TCr	20TCr
Deferred Tax Assets Long-Term (Collected)	7.75TCr	7.34TCr	5.27TCr	233.3Cr	-
Other Real Estate Owned And Foreclosed	7.85TCr	9.39TCr	13TCr	12TCr	10TCr
Other Long-Term Assets, Total	747Cr	1.29TCr	2.18TCr	2.5TCr	4.11TCr
Total Assets	12,31200Cr	16,96500Cr	21,29600Cr	28,54300Cr	36,50700Cr
Liabilities
Accrued Expenses, Total	7.71TCr	13TCr	23TCr	25TCr	32TCr
Interest Bearing Deposits	3,73700Cr	8,37800Cr	12,20500Cr	18,91600Cr	26,03100Cr
Non-Interest Bearing Deposits	-	-	-	-	-
Total Deposits	3,73700Cr	8,37800Cr	12,20500Cr	18,91600Cr	26,03100Cr
Short-Term Borrowings	-	-	15TCr	39TCr	60TCr
Current Portion of Leases	1.06TCr	1.12TCr	1.16TCr	1.41TCr	1.51TCr
Long-Term Leases	5.3TCr	4.83TCr	4.31TCr	4.07TCr	3.59TCr
Current Income Taxes Payable	707.5Cr	1.15TCr	1.19TCr	1.17TCr	1.89TCr
Accrued Interest Payable	435.1Cr	686.5Cr	1.35TCr	3.77TCr	5.25TCr
Other Current Liabilities - (Bank / Utility Template)	16TCr	8.93TCr	28TCr	29TCr	45TCr
Unearned Revenue Non Current	-	-	-	6.38TCr	7.27TCr
Pension & Other Post Retirement Benefits	1.15TCr	1.89TCr	6.7Cr	-	269.3Cr
Deferred Tax Liability Non-Current	-	-	-	-	7.24TCr
Other Non Current Liabilities	186.4Cr	530.3Cr	227.8Cr	943.4Cr	973Cr
Total Liabilities	4,06300Cr	8,70200Cr	12,93900Cr	20,02400Cr	27,68100Cr
Common Stock, Total	1,38600Cr	1,38600Cr	1,38600Cr	1,38600Cr	1,38600Cr
Additional Paid In Capital	7,10000Cr	7,10000Cr	7,10000Cr	7,10500Cr	7,11000Cr
Retained Earnings	-25TCr	-23TCr	-16TCr	-2.72TCr	25TCr
Comprehensive Income and Other	943.8Cr	777Cr	2.69TCr	5.51TCr	8.04TCr
Total Common Equity	8,24900Cr	8,26400Cr	8,35700Cr	8,51900Cr	8,82600Cr
Total Equity	8,24900Cr	8,26400Cr	8,35700Cr	8,51900Cr	8,82600Cr
Total Liabilities And Equity	12,31200Cr	16,96500Cr	21,29600Cr	28,54300Cr	36,50700Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.39TCr	1.39TCr	1.39TCr	1.39TCr	1.39TCr
ECS Total Common Shares Outstanding	1.39TCr	1.39TCr	1.39TCr	1.39TCr	1.39TCr
Book Value / Share	595.36	596.39	603.11	614.69	636.73
Tangible Book Value	7,75300Cr	7,37600Cr	6,96300Cr	6,62700Cr	6,50600Cr
Tangible Book Value Per Share	559.54	532.34	502.54	478.15	469.36
Total Debt	6.36TCr	5.95TCr	20TCr	44TCr	65TCr
Deposits at Interest - Cash	1,16900Cr	62TCr	1,43400Cr	2,93700Cr	3,58300Cr
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.15TCr	1.89TCr	6.7Cr	-96Cr	269.3Cr
Net Debt	-3,87200Cr	-2,63500Cr	-2,10200Cr	-2,88200Cr	-3,30700Cr
Full Time Employees	371	446	493	530	596
Number Of Offices	-	-	6	7	7

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	8.6TCr	1.59TCr	7.24TCr	13TCr	28TCr
Depreciation, Depletion & Amortization	2.05TCr	2.67TCr	3.11TCr	3.29TCr	3.45TCr
Total Depreciation, Depletion & Amortization	2.05TCr	2.67TCr	3.11TCr	3.29TCr	3.45TCr
Amortization of Deferred Charges, Total	2.85TCr	7.29TCr	15TCr	21TCr	28TCr
Change In Income Taxes	842.1Cr	-10Cr	126Cr	302.2Cr	-589.5Cr
Change in Other Net Operating Assets (Collected)	-6,69600Cr	-3,54000Cr	-2,20900Cr	-4,28500Cr	-6,76600Cr
Other Operating Activities	-11TCr	33TCr	42TCr	40TCr	91TCr
Cash from Operations	-6,65800Cr	-3,09200Cr	-1,54300Cr	-3,51100Cr	-5,27500Cr
Capital Expenditure	-3.07TCr	-2.42TCr	-894.4Cr	-1.93TCr	-1.96TCr
Sale of Property, Plant, and Equipment	138.8Cr	3.2Cr	227.4Cr	23Cr	41Cr
Purchase / Sale of Intangible Assets	-37TCr	-46TCr	-64TCr	-71TCr	-70TCr
Investment in Marketable and Equity Securities, Total	-1,76200Cr	-96TCr	-9.53TCr	-1,20900Cr	9.95TCr
Cash from Investing	-2,16500Cr	-1,45200Cr	-74TCr	-1,94000Cr	-62TCr
Long-Term Debt Repaid, Total	-1.05TCr	-1.06TCr	-1.16TCr	-1.6TCr	-1.48TCr
Total Debt Repaid	-1.05TCr	-1.06TCr	-1.16TCr	-1.6TCr	-1.48TCr
Issuance of Common Stock	6,95000Cr	-	-	547.6Cr	544.8Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	2,87200Cr	4,59700Cr	3,79300Cr	6,73900Cr	7,09300Cr
Other Financing Activities, Total	-1.66TCr	-	-	-	-
Cash from Financing	9,79500Cr	4,58600Cr	3,78100Cr	6,72800Cr	7,08300Cr
Foreign Exchange Rate Adjustments	-	-	-	-	515.5Cr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	97TCr	4.19TCr	1,49400Cr	1,27700Cr	1,19000Cr
Supplemental Items
Cash Interest Paid	6.05TCr	14TCr	30TCr	48TCr	93TCr
Cash Income Tax Paid (Refund)	-	-	56Cr	-	2.73TCr
Net Debt Issued / Repaid	-1.05TCr	-1.06TCr	-1.16TCr	-1.6TCr	-1.48TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.19	0.11	0.38	0.52	0.85
Return On Equity %	1.81	0.19	0.87	1.52	3.19
Return on Common Equity	1.81	0.19	0.87	1.52	3.19
Shareholders Value Added	-48TCr	-97TCr	-92TCr	-88TCr	-76TCr
Margin Analysis
SG&A Margin	96.32	97.75	92.89	87.12	82.21
Net Interest Income / Total Revenues %	108.77	130.3	115.04	100.83	120.21
EBT Excl. Non-Recurring Items Margin %	1.68	1.97	6.88	11.64	17.11
Income From Continuing Operations Margin %	15.87	1.53	5.32	8.34	13.47
Net Income Margin %	15.87	1.53	5.32	8.34	13.47
Net Avail. For Common Margin %	15.87	1.53	5.32	8.34	13.47
Normalized Net Income Margin	1.05	1.23	4.3	7.28	10.7
Asset quality
Nonperforming Loans / Total Loans %	0.58	1.81	0.84	0.16	0.61
Nonperforming Loans / Total Assets %	0.25	1.01	0.51	0.1	0.4
Nonperforming Assets / Total Assets %	0.89	1.56	1.11	0.52	0.68
NPAs / Loans and OREO	2.01	2.78	1.79	0.83	1.02
NPAs / Equity	1.33	3.21	2.82	1.74	2.83
Allowance for Credit Losses / Net Charge-offs %	-612.52	109.41	55.37	100.31	92.07
Allowance for Credit Losses / Nonperforming Loans %	409.83	157.91	221.37	996.67	374.58
Allowance for Credit Losses / Total Loans %	2.37	2.87	1.86	1.63	2.27
Provision for Loan Losses / Net Charge-offs %	-444.78	158.94	90.85	103.61	142.16
Capital And Funding
Total Average Common Equity / Total Average Assets %	65.43	56.4	43.44	33.86	26.66
Total Average Equity / Total Average Assets %	65.43	56.4	43.44	33.86	26.66
Total Equity + Allowance for Loan Losses / Total Loans %	156.02	90.52	66.04	49.76	38.52
Gross Loans / Total Deposits %	143.67	112.54	106.68	93.58	93.53
Net Loans / Total Deposits %	140.27	109.31	104.69	92.05	91.41
Tier 1 Capital Ratio %	168.8	81.75	60.64	43.26	30.52
Total Capital Ratio %	169.92	82.75	61.77	44.4	31.63
Core Tier 1 Capital Ratio	168.8	81.75	60.64	43.26	30.52
Tier 2 Capital Ratio	1.12	1.01	1.13	1.15	1.11
Coverage Ratio	242.76	298.99	256.98	1.02T	374.57
Interbank Ratio	55.14L	15.36L	712.67	95.71	58.98
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.15	1.14	1.3	1.36	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	812.29	129.42	15.7	-0.77	58.75
Non Interest Income, 1 Yr. Growth %	90.27	285.09	147.37	48.11	53.68
Provision For Loan Losses, 1 Yr. Growth %	142.17	598.54	1.22	-24.95	186.08
Total Revenues, 1 Yr. Growth %	982.95	87.51	31.05	13.21	33.16
Earnings From Cont. Operations, 1 Yr. Growth %	-145.38	-81.5	354.74	77.6	114.94
Net Income, 1 Yr. Growth %	-145.38	-81.5	354.74	77.6	114.94
Normalized Net Income, 1 Yr. Growth %	-104.82	123.65	358.01	91.7	95.76
Diluted EPS Before Extra, 1 Yr. Growth %	-128.81	-82.27	354.74	77.76	112.51
Gross Loans, 1 Yr. Growth %	491.32	75.6	38.1	35.96	37.54
Allowance For Loan Losses, 1 Yr. Growth %	55.56	112.45	-10.38	19.23	91.38
Net Loans, 1 Yr. Growth %	534.44	74.71	39.53	36.27	36.65
Non Performing Loans, 1 Yr. Growth %	-	451.36	-36.07	-73.52	409.23
Non Performing Assets, 1 Yr. Growth %	159.53	142.02	-11	-37.08	68.35
Total Assets, 1 Yr. Growth %	464.82	37.79	25.53	34.03	27.9
Total Deposits, 1 Yr Growth %	360.98	124.19	45.68	54.99	37.61
Tangible Book Value, 1 Yr. Growth %	616.5	-4.86	-5.6	-4.84	-1.82
Common Equity, 1 Yr. Growth %	569.42	0.17	1.13	1.94	3.6
Total Equity, 1 Yr. Growth %	569.42	0.17	1.13	1.94	3.6
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	616.11	357.49	62.93	7.15	25.51
Non Interest Income, 2 Yr. CAGR %	422.93	81.82	208.64	91.41	50.87
Provision For Loan Losses, 2 Yr. CAGR %	22.24	220.82	165.91	-12.84	46.53
Total Revenues, 2 Yr. CAGR %	233.79	355.41	56.76	21.8	22.78
Earnings From Cont. Operations, 2 Yr. CAGR %	-16.02	-71.03	-8.28	184.19	95.38
Net Income, 2 Yr. CAGR %	-16.02	-71.03	-8.28	184.19	95.38
Normalized Net Income, 2 Yr. CAGR %	-72.27	-67.17	220.05	196.31	93.72
Diluted EPS Before Extra, 2 Yr. CAGR %	-74.69	-77.4	-10.22	182.88	94.36
Gross Loans, 2 Yr. CAGR %	334.19	222.24	55.73	37.02	36.75
Allowance For Loan Losses, 2 Yr. CAGR %	95.94	81.79	37.98	3.37	51.06
Net Loans, 2 Yr. CAGR %	356.38	232.93	56.13	37.89	36.46
Non Performing Loans, 2 Yr. CAGR %	-	-	87.74	-58.85	16.13
Non Performing Assets, 2 Yr. CAGR %	-	150.62	46.76	-25.17	2.92
Total Assets, 2 Yr. CAGR %	205.29	178.97	31.52	29.71	30.93
Total Deposits, 2 Yr CAGR %	144.01	221.48	80.72	50.26	46.04
Tangible Book Value, 2 Yr. CAGR %	237.41	161.09	-5.23	-5.22	-3.34
Common Equity, 2 Yr. CAGR %	248	158.96	0.65	1.53	2.77
Total Equity, 2 Yr. CAGR %	248	158.96	0.65	1.53	2.77
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	177.82	390	189.31	38.11	22.15
Non Interest Income, 3 Yr. CAGR %	122.32	262.19	101.47	141.64	77.9
Provision For Loan Losses, 3 Yr. CAGR %	154	85.18	118.41	74.42	29.53
Total Revenues, 3 Yr. CAGR %	175.45	177.36	200.66	40.64	25.48
Earnings From Cont. Operations, 3 Yr. CAGR %	54.58	-49.28	-27.46	14.32	158.93
Net Income, 3 Yr. CAGR %	54.58	-49.28	-27.46	14.32	158.93
Normalized Net Income, 3 Yr. CAGR %	-20.75	-44.39	-20.97	169.79	158.07
Diluted EPS Before Extra, 3 Yr. CAGR %	-30.51	-77.52	-38.53	12.36	157.16
Gross Loans, 3 Yr. CAGR %	139.09	221.09	142.95	48.84	37.2
Allowance For Loan Losses, 3 Yr. CAGR %	140.92	101.29	43.61	31.42	26.93
Net Loans, 3 Yr. CAGR %	139.04	231.37	149.15	49.21	37.48
Non Performing Loans, 3 Yr. CAGR %	-21.72	-	-	-2.27	-4.83
Non Performing Assets, 3 Yr. CAGR %	5.53	-	77.47	10.66	-1.95
Total Assets, 3 Yr. CAGR %	164.59	134.18	113.77	32.35	29.1
Total Deposits, 3 Yr CAGR %	91.02	137.22	146.93	71.7	45.92
Tangible Book Value, 3 Yr. CAGR %	306.62	121.26	86	-5.1	-4.1
Common Equity, 3 Yr. CAGR %	314.83	129.78	89.28	1.08	2.22
Total Equity, 3 Yr. CAGR %	314.83	129.78	89.28	1.08	2.22
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	77.72	114.76	124.42	166.76	107.15
Non Interest Income, 5 Yr. CAGR %	43.07	43.95	116.19	180.64	79.46
Provision For Loan Losses, 5 Yr. CAGR %	21.61	103.33	134.23	36.99	86.18
Total Revenues, 5 Yr. CAGR %	145.95	101.94	120.77	99.57	110.14
Earnings From Cont. Operations, 5 Yr. CAGR %	20.88	12.74	25.45	1.05	7.82
Net Income, 5 Yr. CAGR %	20.88	12.74	25.45	1.05	7.82
Normalized Net Income, 5 Yr. CAGR %	-24.76	10.44	38.51	8.59	13.12
Diluted EPS Before Extra, 5 Yr. CAGR %	-25.18	-30.81	-23.01	-38.1	-2.78
Gross Loans, 5 Yr. CAGR %	62.31	80.82	101.41	128.4	93.05
Allowance For Loan Losses, 5 Yr. CAGR %	52.9	65.61	92.78	54.19	46.54
Net Loans, 5 Yr. CAGR %	62.58	81.41	101.6	133.35	95.83
Non Performing Loans, 5 Yr. CAGR %	-16.76	26.92	11.08	-	-
Non Performing Assets, 5 Yr. CAGR %	4.53	27.52	20.41	-	42.72
Total Assets, 5 Yr. CAGR %	73.87	82.53	100.05	84.89	75.71
Total Deposits, 5 Yr CAGR %	43.73	64.98	86.83	97.62	100.14
Tangible Book Value, 5 Yr. CAGR %	120.99	121.3	127.08	57.63	43.16
Common Equity, 5 Yr. CAGR %	123.7	126.36	135.42	65.74	48.25
Total Equity, 5 Yr. CAGR %	123.7	126.36	135.42	65.74	48.25