BTN Sets Wealth Management Business Growth Target of 15 Per Cent by 2026, Here Is Its Strategy
PT Bank Tabungan Negara (Persero) Tbk (BTN) will expand its consumer banking products and services and increase financing support for business operators to meet customers’ lifestyle needs and accelerate their business expansion. This initiative aims to drive growth in the wealth management business, targeted at 15 per cent annual growth by end-2026.
BTN Deputy Chief Executive Officer Oni Febriarto Rahardjo stated that the bank continues to innovate and transform to become a relevant financial partner at every stage of customer financial journeys, including customers in Surabaya. This year, BTN will continue its progressive innovation steps by increasing product diversification to address customer needs.
“BTN continues to expand its role from a housing finance bank into a bank with increasingly comprehensive services, so customers can meet their transaction, financing, and investment needs within a single ecosystem,” explained Oni during the Economic Outlook & Chinese New Year 2026 event in Surabaya.
On the same occasion, BTN Director of Network & Retail Funding Rully Setiawan explained that by end-2025, the wealth management segment had achieved double-digit growth, including Assets Under Management (AUM) values. With this performance, BTN achieved 60 per cent year-on-year growth in fee-based income (FBI) from wealth management business in December 2025.
“Currently, BTN’s wealth management customer base reaches approximately 35,000 customers nationally, with a growth target of around 15 per cent this year,” stated Rully.
Rully detailed various strategies BTN is preparing to enhance the convenience of its wealth management customers, including strengthening investment options within the bank. BTN is also accelerating the capabilities of its Bale application, which has become an integrated transaction and investment platform for customers.
Through Bale, customers can access various financial needs ranging from daily transactions and financing, whilst also serving as the foundation for developing new features such as gold instalments and other investment services.
Rully added that to complement this ecosystem, BTN is also accelerating its beyond-mortgage strategy by introducing various consumer banking products such as credit cards, buy now pay later services, and motor vehicle credit, ensuring that customer financial needs are met more comprehensively.