One Year After Launch, BTN's Super App Bale Gathers Rp21.63 Trillion in Third-Party Funds
PT Bank Tabungan Negara (Persero) Tbk. (BBTN) has recorded positive performance from its super app, Bale by BTN, over the past year. BTN’s President Director, Nixon LP Napitupulu, stated that the super app plays a crucial role in the state-owned bank’s efforts to strengthen relationships with customers.
“We developed Bale by BTN to enhance BTN’s connection with customers through daily transactions, not just financing. This is part of BTN’s transformation to become more relevant to the financial needs of society,” Nixon said in his statement on Monday (30/3/2026).
Throughout 2025, Bale by BTN saw its user base grow from around 1.8 million in 2024 to more than 3.6 million in 2025, an annual increase of about 102% year-on-year (YoY). In terms of activity, the number of transactions rose from approximately 1.2 billion in 2024 to over 2.2 billion in 2025, growing by around 79% YoY.
Meanwhile, in terms of transaction value, Bale recorded an increase from around Rp80 trillion in 2024 to more than Rp101 trillion in 2025, or about 25% YoY growth.
Bale’s contribution to gathering low-cost funds has also strengthened, with retail third-party funds (DPK) collected through the app rising from around Rp17 trillion in 2024 to Rp21.63 trillion in 2025. Bale users have an average balance up to 6.4 times higher than non-users, making Bale one of the main drivers of BTN’s CASA growth.
BTN’s Senior Executive Vice President for Digital Business, Thomas Wahyudi, said the growth of Bale is driven by the strengthening of a broader and more integrated digital ecosystem.
“We developed Bale by BTN as a super app that connects various customer needs, from banking transactions and housing financing to lifestyle requirements,” Thomas said.
Currently, Bale is integrated with various services such as Bale Properti, Bale Merchant, Bale Bisnis, Bale Agen, and Bale Community, which strengthen BTN’s position in building a comprehensive financial ecosystem.
As part of strengthening this ecosystem, BTN has also introduced Bale Wisata, which facilitates customers’ travel needs through easy access to transportation tickets, tourist destinations, and hotel accommodations on a single platform.
Through Bale Wisata, BTN offers various attractive deals, including discounts on tourist tickets worth hundreds of thousands of rupiah, promotions on transportation tickets such as trains and high-speed rail, as well as bundled packages for tourist destinations and hotels in various cities across Indonesia.
“Through Bale Wisata, we not only provide transaction convenience but also aim to be part of domestic economic movement by encouraging people to travel within Indonesia,” Thomas said.
Entering 2026, BTN targets Bale by BTN to surpass more than 6 million users, supported by the development of over 68 new features and service enhancements to strengthen customer experience.
Additionally, BTN will reinforce various acquisition and engagement programmes, including collaborations with merchants, the lifestyle sector, and organising national events such as the Indonesia Coffee Expo 2026 through the Bale Ngopi initiative.
With this strategy, Bale by BTN is expected not only to serve as a transaction platform but also as a driver of low-cost fund growth, customer relationship strengthening, and BTN’s entry point into the digital and lifestyle ecosystem of Indonesian society.