Business Expansion Supported by Modern Operations, BTN Ensures Full Banking Services Delivery

PT Bank Tabungan Negara (Persero) Tbk is undertaking efficient business expansion through updates to credit operations, modernisation of branch offices, and development of digital services. This initiative represents efforts to accelerate business transformation to strengthen customer service.

Operations Director BTN I Nyoman Sugiri Yasa stated that this transformation is part of implementing BTN’s new vision for the 2025–2029 period: to become the “Primary Partner in Indonesian Family Financial Empowerment”.

This vision is executed through several strategies outlined in the corporate plan, including strengthening the sustainable funding engine, increasing product propositions and cross-selling, and delivering comprehensive banking services (full banking services) with improved customer experience.

“We will change the perception that BTN can only provide limited banking services. What we mean is that for family finances, there is financing, investment, transactions, and all manner of other banking needs. Especially in this digital era,” said Nyoman during the Talk Show & BTN Journalism and Photography Awards 2026 at Menara 1 BTN Ballroom, Jakarta, on Sunday, 15 March 2026.

Nyoman highlighted the importance of strengthening the sustainable funding engine to ensure business continuity. Funding is the primary fuel for banks to carry out financing activities. Without strong funding support, banks cannot optimally distribute financing to the public.

“Therefore, strengthening funding is one of the main focuses being continuously improved. This effort is undertaken to ensure the availability of stable and sustainable funding sources, so that BTN can continue to perform its intermediation function and expand financing distribution,” he said.

BTN is also continuously working to present a holistic banking proposition, meaning the bank seeks to strengthen product propositions while improving cross-selling strategy. In this regard, BTN is not only focused on housing finance or mortgage (KPR), but is beginning to move towards services beyond mortgage.

With this approach, BTN aims to offer more comprehensive banking services to customers, such as payroll services, credit cards, investment products, BTN Light Credit (KRING) for home renovation, multipurpose credit, vehicle financing for cars and motorcycles, and working capital credit.