BTPN Syariah (BTPS) Records Net Profit of Rp 319 Billion in First Quarter of 2026

JAKARTA, KOMPAS.com - PT Bank BTPN Syariah Tbk (BTPS) recorded profit growth in the first quarter of 2026, supported by increasingly stable financing quality amid strengthened customer support models. Over the first three months of this year, BTPS booked a net profit of Rp 319 billion, up 2.6% from the same period last year at Rp 310.79 billion. This performance was bolstered by financing growth reaching Rp 10.6 trillion, or a 4% increase year-on-year (YoY), as well as improvements in portfolio quality. BTPN Syariah Director Fachmy Achmad stated that financing quality was the primary factor supporting the company’s profit growth at the start of this year. “Financing quality has been the main pillar for the first quarter profit growth. In 2026, the Bank continues its focus from the previous year while driving sustainable growth amid existing challenges,” he added. He further noted that this achievement resulted from collaboration among various parties in promoting inclusive community empowerment through the formation of superior customer behaviour. From a fundamental perspective, the bank’s performance is also reflected in its strong financial ratios. Return on Assets (RoA) stood at 7.1%, while the Capital Adequacy Ratio (CAR) was at 59.2%. Total assets reached Rp 23.2 trillion, growing 7% YoY. The company assesses that the success of financing distribution is inseparable from the role of Community Officers (CO) as the frontline in supporting ultra-micro customers. Through Routine Centre Meetings (PRS), support is provided intensively to enhance customers’ business capacity. In addition to driving financing distribution, the bank continues to strengthen internal processes to maintain sustainable profit growth. In the first quarter of 2026, enhancing CO capacity became a primary focus to make support more effective and responsive to customer needs. The bank also introduced incentive programmes to improve customer discipline and prepared product diversification for developing customers, as part of strategies to strengthen the service ecosystem. With these strategies, BTPN Syariah is optimistic about maintaining performance growth momentum while expanding inclusive community empowerment amid still dynamic economic challenges.