BTN Accelerates Digital 'Bale' Service to Capture Business Potential in Bali
PT Bank Tabungan Negara (Persero) Tbk (BTN) continues to strengthen its digital services strategy through the Bale by BTN application to capitalise on business growth potential in Bali.
BTN’s Director of Network & Retail Funding, Rully Setiawan, stated that Bali represents one of the regions with significant banking economic potential, particularly in housing finance and retail deposit mobilisation.
“Given Bali’s economic character, supported by the tourism sector and property investment, we see considerable growth opportunities. Therefore, BTN continues to strengthen its services and expand banking access to capitalise on this potential whilst increasing low-cost deposit mobilisation,” Rully said during a media discussion in Denpasar on Sunday (15 March 2026).
Rully explained that BTN’s primary strategy for strengthening low-cost deposits involves transforming BTN into a transactional bank, rather than merely a housing finance provider.
This transformation is partly achieved through strengthening Bale by BTN, which was developed as a super-app for various customer transaction needs. To date, Bale by BTN has reached approximately 4 million users within two years.
Through Bale by BTN, customers can conduct various daily transaction needs such as electricity payments, water utility payments, ticket purchases, and various other payment services.
Additionally, the Bale by BTN application will be developed to enable customers to invest in mutual funds, stocks, and purchase gold through instalments.
BTN is also expanding its services to various customer segments, ranging from retail and priority segments to BTN Private, offering diverse investment products and fund management services.
“Through this approach, BTN wishes to encourage customers to make BTN their principal bank for financial transactions, not merely for housing finance,” Rully said.
BTN Regional Office Head for East Java, Bali, and Nusa Tenggara, Bagus Hendri Setiawan, stated that BTN now serves not only housing finance but also various financial transaction needs of the community, whether for individual customers, small and medium enterprises, or corporations.
“BTN wishes to present itself as a consumer bank serving the basic needs of society, from clothing, food, to shelter. Therefore, we continue to expand our services so that BTN can become a partner for public financial transactions in various needs,” said Bagus.
In terms of performance, BTN recorded profit of approximately Rp3.5 trillion in 2025, or approximately 16.7 per cent annual growth. This year, the company is targeting profit to increase to approximately Rp4.5 trillion, with efforts to exceed Rp5 trillion or approximately 30 per cent growth.
Going forward, BTN also plans to expand its consumer banking ecosystem through various new products integrated with digital services. In the first half of 2026, BTN is targeting the launch of a buy-now-pay-later service. Meanwhile, in the second half, the company will introduce motor vehicle credit (KKB).