BTN strengthens 'ecosystem banking' to boost CASA and fee-based income
Jakarta (ANTARA) - PT Bank Tabungan Negara (Persero) Tbk (BTN) is strengthening its ecosystem banking to expand low-cost fund collection (current account savings account/CASA), increase customer transaction volumes, and bolster sustainable revenue sources (fee-based income).
BTN President Director Nixon LP Napitupulu, in a statement in Jakarta on Tuesday, noted that the banking industry currently faces both challenges and new opportunities in maintaining national economic growth. Amid the dynamics of global geopolitical tensions, the banking industry is required to be adaptive and no longer rely solely on traditional funding strategies based on high-interest rate competition (interest rate-driven funding).
Instead, banks are expected to be able to capture the flow of transactions and the broader, integrated economic activities of their customers. “Banking competition today no longer relies solely on credit distribution and conventional funding collection. Moving forward, the ability to build an ecosystem and become part of the customers’ daily transaction banking will be the primary determining factor in maintaining sustainable business growth,” said Nixon.
Notably, the company’s consolidated low-cost funds grew by 8.20 per cent year-on-year to Rp216.02 trillion as of April 2026, up from Rp199.65 trillion in April 2025. Nixon stated that the company is utilising its core strength, namely the housing ecosystem, which has long been the company’s comparative advantage.
This end-to-end ecosystem includes developers, contractors, building material stores, notaries, property agents, housing resident communities, and the entire network of derivative businesses connected to the real estate sector. The company is also expanding its service portfolio to broader financial activities, such as payroll services, cash management systems (CMS) for corporate cash management, digital banking solutions, working capital financing for businesses, and the provision of integrated financial solutions for communities within the ecosystem.
From an operational perspective, the company is encouraging a fundamental repositioning of its branch network across various regions to be transformed into business ecosystem hubs. “BTN possesses a competitive advantage that many other banks do not have, which is a massive housing ecosystem. This great potential is what we will fully optimise to become a new growth engine, both in terms of increasing transaction volumes, strengthening the low-cost fund ratio, and developing much more integrated financial services,” said Nixon.
Beyond the property sector, the company aims to expand its ecosystem banking penetration into various strategic non-housing sectors that have high cash flow turnover and strong links to the daily needs of the community. Several potential sectors currently being formulated include the education sector (schools and universities), the healthcare sector (hospitals and clinics), the development of MSMEs, and various local business communities.