Annual Report

Overview

The report describes Bank Artha Graha Internasional's 2025 performance as a consolidation year amid high funding costs, liquidity competition, and narrowing net interest margins, resulting in a net loss of IDR567.52 billion. It highlights continued digital transformation through mobile banking, QRIS, API banking, and business internet banking, supported by cybersecurity investments. The Bank reported 1,037 employees at December 31, 2025. Sustainability-related activities included ESG integration, sustainable financing, financial literacy, MSME empowerment, tree planting, blood donation, and emergency disaster assistance through its CSSR program.

Document

Report type: Annual Report with Sustainability Disclosures
Class: Embedded
Scope: Full report
Fiscal year: 2025
Period: Ends 31 December 2025
Publication date: 30 March 2026
Language: English, Indonesian
Pages
File size

Standards

GRI
SASB
TCFD
ISSB
ESRS
Integrated Reporting Framework
GHG Protocol
EU Taxonomy
CDP

Materiality

Assessment
Basis

Assurance

Statement included

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