With Danantara, BTN Strengthens Business Transformation
PT Bank Tabungan Negara (Persero) Tbk, or BTN, continues to demonstrate solid business fundamentals amid global economic dynamics and conditions in the national banking industry. Its consistently executed business transformation, along with strengthened synergies within the Danantara Indonesia ecosystem, has driven sustained growth in BTN’s consolidated performance, exceeding the national banking industry average up to May 2026.
BTN’s integration into the Danantara Indonesia ecosystem has become the primary catalyst accelerating the company’s transformation. Through Danantara, BTN has gained access to broader cross-sector synergies, operational efficiency through resource sharing, and capital optimisation to support more aggressive business expansion.
Danantara plays an important role in providing strategic direction so that BTN can transform into a more agile modern bank, strengthening its capital structure and aligning business policy with a more integrated national development agenda.
This synergy ensures BTN has stronger competitiveness in facing global competition and faster execution capability in creating added value across the entire banking ecosystem.
BTN President Director Nixon LP Napitupulu said these achievements show that the company’s transformation has strengthened its business fundamentals whilst maintaining growth momentum amid challenges in the banking industry.
“The transformation we are undertaking is beginning to deliver tangible results, especially with the full support of the Danantara ecosystem. We continue to improve productivity, strengthen operational efficiency, accelerate the digitalisation of services, and develop our beyond mortgage business so that BTN can grow sustainably and provide greater added value for the public and all stakeholders,” Nixon said in Jakarta on Wednesday, 8 July 2026.
According to the company’s consolidated monthly financial report up to May 2026, BTN booked a consolidated net profit of Rp1.85 trillion, up 54.37 per cent year on year (yoy) compared to Rp1.19 trillion in the same period last year. Net interest income was recorded at Rp7.13 trillion, growing 15.15 per cent yoy from Rp6.19 trillion in the same period a year earlier.
The company’s business expansion has also been maintained with good quality. Up to May 2026, consolidated loans and financing reached Rp403.06 trillion, an increase of 9.97 per cent yoy compared to Rp366.52 trillion in May 2025. Consolidated third-party funds stood at Rp433.95 trillion, growing 9.09 per cent yoy from Rp397.78 trillion in the same period last year.
BTN also recorded strong operational profitability growth. Up to May 2026, consolidated operating profit reached Rp2.39 trillion, up 58.37 per cent yoy compared to Rp1.51 trillion in May 2025. Meanwhile, the BTN Group’s pre-provision operating profit (PPOP) reached Rp3.98 trillion, growing 20.07 per cent yoy compared to Rp3.31 trillion in the same period last year.
This performance exceeded the national banking industry average. Based on data from the Financial Services Authority (OJK), net profits of national commercial banks up to May 2026 grew 4.96 per cent yoy, whilst BTN’s consolidated net profit rose 54.37 per cent yoy.
BTN’s loan growth of 9.97 per cent yoy was also above the industry’s loan growth of 8.62 per cent yoy, whilst BTN’s third-party fund growth of 9.09 per cent yoy surpassed the industry average of 4.29 per cent yoy.
In line with this growth, BTN continues to accelerate its business transformation through the simplification of business processes, strengthened governance, modernisation of information technology infrastructure, accelerated service digitalisation, and optimisation of synergies within the Danantara Indonesia ecosystem. These various measures are directed at creating an organisation that is increasingly productive, adaptive, and capable of delivering sustainable growth.
According to Nixon, BTN’s transformation into a beyond mortgage bank is a strategic step for the company to broaden its sources of growth whilst providing financial services more relevant to the public’s needs.
He affirmed that BTN is no longer focused solely on housing finance. Beyond that, BTN continues to expand its role as a bank that accompanies the public’s financial needs at every stage of life, from achieving home ownership, supporting various lifestyle needs, to preparing for retirement.
“At the same time, we are also building an integrated housing ecosystem to facilitate transactions across the housing business value chain and the related sectors within it. With the support of synergies within the Danantara Indonesia ecosystem, we are optimistic that BTN will continue to grow in a healthy, inclusive, and sustainable manner,” Nixon said.