JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BTN) recorded solid performance growth until April 2026 amid the dynamics of banking industry liquidity. The company recorded net profit of IDR 1.16 trillion (bank only) or increased 55.84 percent year-on-year (yoy) compared to the same period last year of IDR 744 billion.
From BTN's monthly financial statements, it shows that the profit growth is supported by the strengthening of business fundamentals, cost efficiency of funds, and better asset quality management. As of April 2026, BTN managed to record net interest income (Net Interest Income/NII) of IDR 4.67 trillion or grew 10.35 percent year-on-year compared to April 2025 of IDR 4.23 trillion.
At the same time, the company managed to reduce interest expenses to IDR 4.41 trillion or down 16.36 percent year-on-year compared to the same period last year of IDR 5.27 trillion. The decline in the cost of funds is one of the main supports for BTN's improved profitability at the beginning of this year.
In terms of operations, BTN also recorded operating profit of IDR 1.49 trillion or increased 48.6 percent year-on-year compared to April 2025 of IDR 1 trillion.
In line with the growth in profitability, the company's intermediation function has also continued to increase. As of April 2026, BTN's credit distribution was recorded at Rp344.07 trillion or grew 8.70 percent year-on-year compared to April 2025 of Rp316.54 trillion.
Meanwhile, the total assets of the company increased to IDR 445.70 trillion or grew 8.07 percent year-on-year. On the funding side, BTN's third-party funds (DPK) were recorded at IDR 357.83 trillion, growing 6.31 percent year-on-year from IDR 336.58 trillion in April 2025. This achievement also recorded a portion of cheap funds (CASA) reaching 50 percent of total DPK.
Previously, BTN President Director Nixon LP Napitupulu was optimistic that the business transformation carried out by the company would continue to strengthen BTN's performance growth sustainably. BTN, he continued, also spurs business beyond mortgages to be able to meet the needs of Indonesian people's financial services.
"We are optimistic that the transformation carried out by BTN will continue to strengthen the company's business fundamentals. In addition to maintaining healthy and sustainable growth, BTN will also continue to strengthen its role in supporting the national housing ecosystem and providing financial services that are increasingly relevant to community needs," said Nixon.
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