PT Bank Tabungan Negara (Persero) Tbk (BTN) has recorded a decrease\nin the non-performing loan (NPL) ratio for its mortgage (KPR) segment,\nfalling from 3.0 per cent in the first quarter of 2025 to 2.8 per cent\nin the first quarter of 2026. BTN\u2019s Director of Risk Management, Setiyo\nWibowo, stated that the quality of BTN\u2019s consumer credit is generally\nunder control and continues to improve amidst credit growth and economic\ndynamics.<\/p>\n
\u201cBTN is not only focusing on credit growth but also ensuring that the\nquality of such growth remains optimally maintained,\u201d said Setiyo Wibowo\nin an official statement received in Jakarta on Sunday (26\/4\/2026).<\/p>\n
He noted that as of the end of March 2026, the overall NPL ratio was\nsuccessfully suppressed to 3.1 per cent in the first quarter of 2026, an\nimprovement compared to the 3.3 per cent recorded during the same period\nthe previous year. Setiyo explained that this improvement in financing\nquality is the result of various transformation initiatives undertaken\nby the company in recent years.<\/p>\n
These improvement efforts include strengthening the underwriting\nprocess, enhancing verification quality, digitising credit processes,\nutilising data analytics, and strengthening portfolio management\npost-disbursement. Another key transformation is the development of the\n\u2018BTN Loan Factory\u2019, an integrated credit processing centre that\nconsolidates consumer credit processes nationwide through the use of\ndigital technology, data analytics, decision engines, and workflow\nautomation.<\/p>\n
Setiyo stated that these transformations have strengthened the\nstandardisation of credit processes, improved the quality of\nverification and analysis, and accelerated credit decision-making. With\nincreasingly digitised and centralised processes, the bank can maintain\nthe quality of new credit more consistently while enhancing service\nefficiency for the public.<\/p>\n
Capital market analyst from Bahana Sekuritas, Razqi M. Kurniawan,\nassessed that the improvement in BTN\u2019s financing performance in the\nfirst quarter of this year is a significant achievement of the BTN Loan\nFactory operations. In a site visit study published last April, he\nrevealed that credit quality based on the year of booking shows an\nincreasingly healthy trend. Credit booked in recent years demonstrates a\nmuch more controlled risk level compared to older portfolios, thereby\nstrengthening the company\u2019s asset quality foundation for the future.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/btn-reduces-non-performing-loans-mortgage-npl-ratio-drops-to-2-8-per-cent-1780881721", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }