BTN records Bale transaction value rising to over Rp101 trillion in 2025
PT Bank Tabungan Negara (Persero) Tbk (BTN, stock code: BBTN) recorded a 26.25% year-on-year (yoy) increase in the transaction value of its superapp Bale by BTN, rising from Rp80 trillion in 2024 to more than Rp101 trillion in 2025.
BTN President Director Nixon LP Napitupulu stated that the superapp has developed rapidly over the past year and has become one of the main drivers of the company’s digital transformation.
“We developed Bale by BTN to strengthen BTN’s relationship with customers through everyday transactions, not just during financing. This is part of BTN’s transformation to be more relevant to society’s financial needs,” said Nixon LP Napitupulu in an official statement received in Jakarta on Monday.
He explained that the number of users grew from around 1.8 million in 2024 to more than 3.6 million last year, a 102% yoy increase.
Meanwhile, the number of transactions rose to more than 2.2 billion in 2025 from around 1.2 billion the previous year, a 79% yoy growth.
The digital app’s contribution to mobilising low-cost funds has also strengthened, with retail Third-Party Funds (DPK) increasing from around Rp17 trillion in 2024 to Rp21.63 trillion in 2025.
This year, Nixon stated that the company targets more than 6 million Bale by BTN users, supported by the development of over 68 new features and service enhancements to strengthen user experience.
Additionally, the company will strengthen various acquisition and engagement programmes, including collaborations with merchants, the lifestyle sector, and the organisation of national events, such as the Indonesia Coffee Expo 2026 through the Bale Ngopi initiative.
BTN Senior Executive Vice President for Digital Business Thomas Wahyudi stated that Bale’s growth is driven by the strengthening of a broader and more integrated digital ecosystem.
“We developed Bale by BTN as a superapp that connects various customer needs, from banking transactions and housing financing to lifestyle requirements,” he said.
Currently, the app is integrated with various services such as Bale Properti, Bale Merchant, Bale Bisnis, Bale Agen, and Bale Community, which strengthen the company’s position in building a comprehensive financial ecosystem.
To further strengthen that ecosystem, the state-owned bank has also introduced Bale Wisata, which facilitates customers’ travel needs through easy access to transportation tickets, tourist destinations, and hotel accommodation on a single platform.
The development of Bale Wisata is also part of BTN’s strategy to support the tourism sector, which is one of the drivers of national economic growth and Gross Domestic Product (GDP).
“Through Bale Wisata, we not only provide transaction convenience but also want to be part of domestic economic movement by encouraging people to travel in Indonesia,” said Thomas Wahyudi.