Bank Jago Launches 'Rapor Kredit' Feature as Q3 2026 Profit Jumps 50%
The digital bank reported 19 million customers and Rp298 billion in quarterly profit, while rolling out a credit health report for borrowers.
Bank Jago released its Q3 2026 results on October 28 alongside a new customer feature: Rapor Kredit, a credit health report with personalized "Credit Health Tips" positioned as part of a responsible-lending push, including for the bank's direct digital lending expansion.
The numbers behind the release: 19 million customers served, 13.1 million of them funding accounts via the app; third-party funds of Rp28.9 trillion, up 21% year on year; credit outstanding of Rp27.9 trillion, up 19%; gross NPL of 0.9%; net profit of Rp298 billion, up roughly 50% year on year; and a capital adequacy ratio of 27.5%.
The move signals that Indonesian digital banks are shifting from customer-count growth to "quality growth", making credit quality and transparency a differentiator. Comparable credit-health features typically appear at rival digital banks — SeaBank, Superbank, blu — within six to twelve months, so Rapor Kredit may mark the start of a transparency race in the segment's lending books.