BTN (BBTN) Transforms Services, Strengthens Digitalisation and Credit Operations
JAKARTA – PT Bank Tabungan Negara (Persero) Tbk (BBTN) has stated that it continues to accelerate business transformation to strengthen its services to customers.
These efforts are being undertaken through more efficient expansion, updates to credit operations, modernisation of branch offices, and development of digital services.
I Nyoman Sugiri Yasa, BTN’s Director of Operations, stated that the transformation is part of implementing BTN’s new vision for the 2025-2029 period, namely to become the Primary Partner in Financial Empowerment for Indonesian Families.
“We will change the perception that BTN can provide full banking services. This means that when it comes to family finances, there is financing, investment, transactions, and all other banking needs. Especially in this digital era,” said Nyoman in Jakarta on Friday, 13 March 2026.
Nyoman explained that strengthening the sustainable funding mechanism is one of the company’s main focuses to ensure the business can operate sustainably.
According to him, funding is the primary fuel for banking in carrying out financing activities.
“For this reason, strengthening funding has become one of the main focuses that continues to be improved. This effort is undertaken to ensure the availability of stable and sustainable funding sources. So that BTN can continue to perform its intermediation function and expand financing distribution,” he said.
Additionally, BTN is also seeking to present a holistic banking proposition by strengthening product offerings whilst improving cross-selling strategy.
In this regard, BTN is not only focusing on housing financing or home ownership credit (KPR), but is beginning to move towards beyond mortgage services.
Products being prepared include payroll services, credit cards, investment, BTN Light Credit (KRING) for home renovation, multi-purpose credit, vehicle financing for cars and motorcycles, and working capital loans.
“When customers purchase a house through KPR, they also potentially need other financial products. Through this strategy, BTN can provide a range of financial solutions that can be utilised by Indonesian society,” said Nyoman.
BTN’s subsequent transformation strategy is to present complete banking services (full banking offering) whilst prioritising customer experience.