BTN (BBTN) Relies on 'Ecosystem Banking' to Boost Low-Cost Funds

JAKARTA, KOMPAS.com – PT Bank Tabungan Negara (Persero) Tbk (BBTN) is accelerating its business transformation through the strengthening of ecosystem banking. This strategy is designed to expand the collection of low-cost funds, known as current account savings accounts (CASA), increase customer transaction volumes, and bolster fee-based income.

This move comes amidst increasingly tight competition for banking liquidity and a changing industry landscape that requires banks to no longer rely solely on interest-rate-driven fund collection. The President Director of BTN, Nixon LP Napitupulu, stated that the banking industry currently faces both challenges and new opportunities in maintaining national economic growth.

According to him, fund collection strategies that have traditionally relied on interest rate competition are no longer sufficient to support sustainable growth. “Banking competition today is no longer just about credit distribution and conventional funding collection. Moving forward, the ability to build an ecosystem and become part of customers’ daily transaction banking will be the primary determining factor in maintaining sustainable business growth,” Nixon said in a written statement on Tuesday (2/6/2026).

The strategy to strengthen ecosystem banking is already reflected in the company’s low-cost fund performance. Increasing CASA is a primary focus for the company, as it is seen as a way to strengthen the bank’s funding structure amidst intensifying competition for liquidity.

To bolster CASA, BTN is leveraging its housing ecosystem, which has long been the company’s core strength. This ecosystem encompasses various business players connected to the property sector, including developers, contractors, building material stores, notaries, property agents, housing community residents, and various related business networks.

As a bank traditionally known for its focus on housing finance, BTN is now expanding its service scope to various other financial activities within this ecosystem. Developed services include payroll management, Cash Management Systems (CMS) for corporate cash management needs, digital banking services, working capital financing for businesses, and the provision of integrated financial solutions for communities within the housing ecosystem.

Through this strategy, the company is no longer limiting itself to mortgage (KPR) services, but is also striving to increase revenue opportunities from transactions and other banking service offerings.