Strengthen CASA and Transaction Income, BTN Accelerates Banking Ecosystem Transformation

BTN President Director, Nixon LP Napitupulu. (Photo: BTN Doc)

JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BTN) officially accelerates its business transformation steps through the strengthening of the banking ecosystem. This tactical strategy is taken by the company to increase the collection of cheap funds (Current Account Savings Account / CASA), increase customer transaction volume, and strengthen sustainable revenue sources (fee-based income) in the midst of increasingly tight banking liquidity competition conditions.

BTN President Director, Nixon LP Napitupulu, revealed that the banking industry is currently facing new challenges and opportunities in maintaining national economic growth. In the midst of the dynamics of global geopolitical tensions, the banking industry is required to be adaptive and no longer rely solely on traditional fund-raising strategies based on high interest rates (interest rate-driven funding). Instead, banks must be able to capture the flow of customer transactions and economic activities more broadly and integrated.

"Competition in the banking industry today is no longer only based on the distribution of credit and the collection of conventional funding. In the future, the ability to build an ecosystem and become part of the daily transaction activities (daily transaction banking) of customers will be the main determining factor in maintaining sustainable business growth," said Nixon in a written statement in Jakarta, Tuesday, June 2.

Meanwhile, as of April 2026, BTN has successfully recorded positive growth in cheap funds. The company's consolidated current account and savings account (CASA) recorded an annual growth of 8.20 percent as of April 2026 from Rp199.65 trillion in April 2025 to Rp216.02 trillion.

Nixon continued, to implement the CASA strengthening strategy, this bank which focuses on property financing utilizes its main strength, namely the housing ecosystem which has been the company's comparative advantage. This upstream-to-downstream ecosystem includes developers, contractors, building stores, notaries, property agents, residential communities, to all the downstream business networks connected to the real estate sector.

Through a comprehensive ecosystem approach, BTN is no longer limited to financing home ownership (KPR). The company is now expanding its service portfolio to a wider range of financial activities, such as payroll services, Cash Management System (CMS) for corporate cash management, digital banking service solutions, working capital financing for business actors, and providing integrated financial solutions for communities within the ecosystem.

In addition to expanding the product line, this transformation also touches on the structural aspects of the company's operations. BTN is encouraging a fundamental repositioning of its branch office network in various regions to be converted into business ecosystem development centers (business ecosystem hubs).

Nixon also explained that BTN branch offices are no longer only passively functioning as sales outlets or places to sell products. This physical network must be transformed into a main driving force in acquiring new businesses in the region through precise mapping of regional potential, coaching local business communities, and creating new sources of growth based on the characteristics of the local ecosystem. economy.

This refreshing step is part of the blueprint of BTN's long-term strategy to strengthen the bank's funding structure, increase customer engagement, as well as diversify and increase the contribution of commission-based or fee-based income.

"BTN has a competitive advantage that many other banks do not have, namely a very massive housing ecosystem. It is this great potential that we will fully optimize to become a new source of growth engine, both in terms of increasing transaction volume, strengthening the ratio of cheap funds, and developing much more integrated financial services," said Nixon.

Not stopping at the property sector, BTN also targets expanding the penetration of the banking ecosystem to other strategic non-residential sectors that have high cash flow turnover and strong ties to people's daily needs.

Several potential sectors that are currently being driven by their formulas include the education sector (schools and universities), the health sector (hospitals and clinics), the development of Micro, Small, and Medium Enterprises (MSMEs), and various local business communities. Through this expansion, BTN is optimistic that it can build a more robust, diversified business foundation and be ready to face future economic challenges.