BTN Earns IDR 2.50 Trillion Net Profit Until The End Of October

President Director of BTN Nixon LP Napitupulu. Photo: ANTARAI

PT Bank Tabungan Negara (Persero) Tbk (BTN) posted a net profit of IDR 2.50 trillion until the end of October 2025 in line with the company's consistency in implementing an optimal strategy supported by solid and healthy growth.

Based on monthly financial reports published on the official BTN website, net profit was recorded at IDR 2.50 trillion, up 13.72 percent yoy from the previous IDR 2.20 trillion.

The net profit growth was supported by credit and financing disbursed by BTN, which reached Rp385.59 trillion until October 31, 2025, up 8.02 percent on an annual basis or year-on-year (yoy) compared to the same period last year of Rp356.96 trillion.

Meanwhile, BTN also posted positive growth for the acquisition of third party funds (DPK). Until the end of October 2025, BTN recorded an increase in DPK by 13.70 percent yoy from Rp372.10 trillion to Rp423.08 trillion.

With the credit and financing and DPK growth, BTN managed to record an increase in assets of around 10.79 percent yoy to IDR 503.48 trillion in October 2025, up from IDR 454.44 trillion in October 2024.

President Director of BTN Nixon LP Napitupulu said the positive achievement was the result of the implementation of consistent and comprehensive business strategies and processes, supported by digital transformation to improve operational efficiency and service quality for customers.

BTN's credit and financing growth remains on track in line with demand for credit which continues to stabilize, especially in the lower middle-land housing market and the institution or corporate segment. BTN will maintain this positive momentum until the end of the year with the support of good prudential principles and risk management," Nixon said in a statement to the media, Wednesday, November 26.

Nixon continued, apart from being supported by the growth of the retail segment through the digital superapp Bale by BTN services, the collection of BTN DPK was also driven by the increase in the institutional segment, especially the medium scale of the housing sector and other related sectors.

With solid growth to Nixon, he said he was optimistic that he could achieve the year-end credit and financing growth target of around 8-10 percent, mainly supported by the focus of distribution to the housing sector through the government subsidy program, namely the Prosperous Housing Financing Liquidity Facility (FLPP) and Housing Program Loans (KPP).

"Meanwhile, credit for non-housing is driven by distribution to corporations dominated by the real estate, electricity, gas, water and large trade sectors," he said.

In terms of corporate action, BTN has also obtained approval from shareholders for the separation of sharia business units to be merged to the new Islamic commercial bank, namely PT Bank Syariah Nasional (BSN).

Nixon also hopes that the sharia business that is being supplied can operate in December 2025 and support the growth of the national sharia banking industry.