BTN Views RBB Revision as Merely Clarifying Bank's Role in Government Programmes

JAKARTA, KOMPAS.com - PT Bank Tabungan Negara (Persero) Tbk or BTN has responded to the government’s plan to adjust the Bank Business Plan (RBB). This adjustment aims to encourage banks to be more active in supporting the government’s priority programmes. BTN President Director Nixon LP Napitupulu views the new regulation as not bringing many changes compared to the current provisions. The new regulation will only clarify reporting related to the bank’s involvement in government programmes. “I’ve read it, and there’s nothing that changes. In the new RBB, there will be an attachment sheet regarding the government programmes handled by the bank. So, it’s just more detailed in that section, with a specific attachment,” he said during a press conference at Menara I BTN, Jakarta, on Wednesday (15/4/2026). Financing is channelled through several schemes. These programmes include the Liquidity Facility for Housing Finance Home Ownership Credit (KPR FLPP), Housing Programme Credit (KPP), and Sejahtera Mortgage (KPR Sejahtera). BTN also channels corporate financing for strategic projects. Support is provided to state-owned enterprises (BUMN) such as Perum Bulog, PT Perusahaan Listrik Negara (PLN), and PT Rajawali Nusantara Indonesia (RNI). According to Nixon, support for government programmes is not new for BTN. This role is already a mandate as a state-owned bank. “If asked whether we support it? Yes, BUMN definitely has ‘N’ for negara (state). So, we certainly support the interests of the state, and that’s our main programme,” he said. Nevertheless, not all government programmes involve BTN. One example is the Red and White Village/Urban Ward Cooperative Programme (KDMP). BTN does not participate in that programme because it has not been designated as a distributing bank. “For KDMP, we were decided not to join. The banks that channel it have already been determined, but BTN is not included,” he emphasised. The Financial Services Authority (OJK) is currently drafting the OJK Regulation Draft (RPOJK) regarding the RBB adjustment. This regulation is targeted to take effect in 2026. Through this policy, OJK encourages banks to finance the government’s priority programmes. These programmes include Free Nutritious Meals (MBG), the 3 million houses programme, and KDMP.