JAKARTA - PT Bank Tabungan Negara (Persero) Tbk hopes that credit in 2026 can grow in the range of 10-12 percent, in line with the distribution of FLPP and KUR housing or housing program credit (KPP) schemes that have the potential to increase.
"Next year, if there are two (credit driving motors) at BTN. One, FLPP. Second, KPP. One only (FLPP) is 8-9 percent. Plus the other one (KPP), I still believe 10-12. Because today we have two products," said BTN President Director Nixon LP Napitupulu, quoted by Antara, Friday, December 19.
Apart from loans, Nixon revealed that the company also hopes that third-party funds (DPK) growth will be above credit growth. The profit is expected to continue to grow by double digits.
On the same occasion, BTN Network & Retail Funding Director Rully Setiawan said that the company was also focusing on building a cheap fund base or current account savings account (CASA).
"Real CASA is savings and giro that are non-special rate. There is no special rate in savings and giro, and that is our target next year. Our main target," said Rully.
When asked about the range of ratios that the company wanted to maintain, Rully hoped that the CASA ratio could increase by at least 5 percent from the current ratio.
"The CASA ratio is minimal, it is rising, it can reach maybe almost 60 percent," said Rully.
Until November 2025, BTN's disbursed loans and financing grew by 8.74 percent year on year (yoy) to reach Rp386.47 trillion. Meanwhile, DPK increased 15.77 percent year on year to Rp423.96 trillion.
Credit and financing growth and DPK made BTN's assets rise 12.16 percent year-on-year to Rp503.99 trillion, surpassing the asset target of Rp500 trillion set at the beginning of 2025.
Entering the end of the year, the company 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.
In addition, the company is also focusing on the distribution of corporate loans to various sectors around housing, including the real estate, electricity, gas, water, and large trade sectors.
Meanwhile, in terms of DPK collection, BTN will 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 DPK is also supported by digital solutions in the form of Bale by BTN super apps and Bale Korpora.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
