JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BTN) recorded a net profit of IDR 2.91 trillion as of the end of November 2025 or an increase of 21.10 percent or year-on-year (year-on-year / yoy) from the same period last year of IDR 2.40 trillion.
The net profit growth was supported by loans and financing disbursed by BTN of IDR 386.47 trillion as of November 30, 2025, up 8.74 percent (yoy) compared to the same period last year of IDR 355.42 trillion.
In addition, BTN also recorded third-party fund (DPK) growth in line with the company's efforts to increase funding, especially cheap funds (current account and saving account/CASA).
Until the end of November 2025, BTN's DPK increased by 15.77 percent (yoy) to Rp423.96 trillion from the same period last year of Rp366.22 trillion.
Then the growth of credit and financing and DPK made BTN's assets rise 12.16 percent (yoy) to Rp503.99 trillion as of the end of November 2025, compared to the same period last year of Rp449.36 trillion.
Meanwhile, the total assets have exceeded the asset target of Rp500 trillion which was set at the beginning of 2025.
BTN President Director Nixon LP Napitupulu said BTN managed to maintain consistent performance growth until the end of 2025 in line with the implementation of a more targeted and structured credit distribution strategy, as well as efforts to increase cheap funds amid a trend of declining cost of funds.
"The achievement of BTN's performance until the end of November 2025 shows that BTN is able to maintain positive growth that remains on track towards the end of the year in accordance with the strategies that have been set. BTN will continue to optimize efforts to achieve the end-of-year target while still accompanied by caution and careful steps," he said in a statement, Wednesday, December 17.
Entering the end of the year, Nixon said, BTN will continue to focus on distributing credit to the housing sector, especially subsidized and non-subsidized mortgages in order to meet the housing needs in Indonesia, as well as corporate credit distribution to various sectors around housing, including the real estate sector, electricity, gas, water, and large trade.
Meanwhile, on the side of DPK earnings, he said BTN would continue its strategy of increasing low-cost funding, especially from retail customers and medium-scale institutions, to accelerate the trend of reducing fund costs at BTN.
"The increase in retail DPK is supported by digital solutions in the form of the Bale by BTN superapp which continues to increase in terms of the number of users and transactions, as well as Bale Korpora for corporate cash management from various sectors," he said.
Furthermore, he added that towards the end of this year, BTN has also almost completed the process of transferring the sharia business unit (UUS) to the new sharia commercial bank, namely PT Bank Syariah Nasional (BSN), with the target of Day One Operation or operating on a first-time basis on December 22, 2025 according to the timeline that has been determined.
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