JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BTN) continues to show solid business fundamentals amid global economic and national banking industry dynamics. The business transformation that is consistently carried out and the strengthening of synergy in the Danantara Indonesia ecosystem encourage BTN's consolidated performance to grow sustainably and exceed the national banking industry average until May 2026.
The integration of BTN into the Danantara Indonesia ecosystem is the main catalyst in accelerating the transformation of the Company. Through Danantara, BTN gains access to strengthening broader cross-sector synergies, operational efficiency through shared resources (shared services), and capital optimization to support more massive business expansion.
Danantara plays an important role in providing strategic guidance so that BTN is able to transform into a more agile modern bank, by strengthening the capital structure and aligning business policies with a more integrated national development agenda. This synergy ensures that BTN has stronger competitiveness in facing global competition as well as faster execution capabilities in creating added value for the entire banking ecosystem.
BTN President Director, Nixon LP Napitupulu, said that this achievement shows the transformation of the Company's ability to strengthen business fundamentals while maintaining growth momentum amid banking industry challenges.
"The transformation we are carrying out is beginning to yield tangible results, especially with the full support of the Danantara ecosystem. We continue to increase productivity, strengthen operational efficiency, accelerate the digitization of services, and develop *beyond mortgage* business so that BTN can grow sustainably and provide greater added value for the community and all stakeholders," said Nixon in Jakarta, Wednesday, July 8.
Based on the Company's consolidated monthly financial statements as of May 2026, BTN recorded consolidated net profit of IDR 1.85 trillion or increased 54.37 percent year-on-year (yoy) compared to the same period last year of IDR 1.19 trillion.
Net interest income (NII) was recorded at IDR 7.13 trillion or grew 15.15% year-on-year compared to IDR 6.19 trillion in the same period last year.
The Company's business expansion is also maintained with good quality. As of May 2026, total consolidated loans and financing reached IDR 403.06 trillion or increased 9.97 percent year-on-year compared to May 2025 of IDR 366.52 trillion. Consolidated third-party funds (DPK) were recorded at IDR 433.95 trillion or grew 9.09 percent year-on-year compared to IDR 397.78 trillion in the same period last year.
BTN also recorded a strong increase in operational profitability. As of May 2026, consolidated operating profit reached IDR 2.39 trillion or increased 58.37 percent year-on-year compared to May 2025 of IDR 1.51 trillion. Meanwhile, * pre provision operating profit * (PPOP) BTN Group reached IDR 3.98 trillion or grew 20.07 percent year-on-year compared to IDR 3.31 trillion in the same period last year.
This performance exceeds the national banking industry average. Based on data from the Financial Services Authority (OJK), the net profit of national commercial banks until May 2026 grew 4.96 percent year-on-year, while BTN's consolidated net profit increased 54.37 percent year-on-year. BTN's credit growth of 9.97 percent year-on-year was also above the industry's credit growth of 8.62 percent year-on-year, while BTN's DPK growth of 9.09 percent year-on-year exceeded the industry average of 4.29 percent year-on-year.
In line with this growth, BTN continues to accelerate business transformation through business process simplification, strengthening governance, modernization of information technology infrastructure, acceleration of service digitization, and optimization of synergy in the Danantara Indonesia ecosystem. Various steps are directed to create an increasingly productive, adaptive organization, and able to generate sustainable growth.
According to Nixon, the transformation of BTN as a bank beyond mortgage is the Company's strategic step to expand the source of growth while presenting financial services that are more relevant to community needs.
"BTN is no longer only focused on financing houses. We continue to expand our role as a bank that accompanies the financial needs of the community at every stage of life, from realizing 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 throughout the entire value chain of the housing business and related sectors within it. With the support of synergy in the Danantara Indonesia ecosystem, we are optimistic that BTN will continue to grow healthily, inclusively, and sustainably," said Nixon.
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