PT Bank Tabungan Negara (Persero) Tbk (BTN) is stepping on the gas to execute an ambitious business transformation strategy. Moving far beyond being just a specialized home financing bank, BTN is now transforming into a 'beyond mortgage bank' by expanding its comprehensive range of financial services for customers.
This strategic move includes integrating various services, ranging from transaction banking and wealth management to digital banking. Going even further, BTN is also targeting MSMEs as well as corporate and commercial sectors directly integrated into the national housing ecosystem. This step was taken to ensure that every line of business provides significant value added for broader economic growth.
Risk Management Director of BTN, Setiyo Wibowo, emphasized that the company's expansion remains grounded in prudential principles. Strengthening risk culture, early warning systems, and credit governance serve as the core foundation to maintain the quality of business growth. This data-driven discipline is key to ensuring sustainable growth amid market dynamics.
The results of this commitment are gaining international recognition. BTN secured five prestigious awards at the Asian Banking & Finance Awards 2026, covering digital transformation and ecosystem initiative categories. Additionally, BTN achieved a proud milestone by earning an MSCI ESG Rating of AA, reinforcing its position as an institution prioritizing sustainability.
In terms of financial performance, this transformation has delivered tangible results. As of May 2026, the company posted a net profit of IDR 1.85 trillion, a 54.37% surge compared to the previous year. Credit growth of 9.97% and third-party fund (DPK) growth of 9.09% indicate that BTN's strategy successfully surpassed the national banking industry's average growth.
Looking ahead, BTN Corporate Banking Director Helmy Afrisa Nugroho affirmed that the company will continue to reinforce strategic collaboration across the housing value chain. By boosting digital service capabilities and operational efficiency, BTN is committed to becoming the primary financial partner for all industry stakeholders while maintaining solid performance growth momentum in the future.
