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Bank Tabungan Negara (Persero) Tbk PT BBTN.JK · IDR

Financials · IDX · 🇮🇩 Indonesia

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945

+2.72%

Close of 9 Nov 2026, in IDR

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About Bank Tabungan Negara (Persero) Tbk PT

Its shares trade on IDX under the ticker BBTN.JK. It has been listed since 17 December 2009. In the fiscal year to 31 December 2025, it reported revenue before interest expense of IDR 39.43trn and net income of IDR 3.50trn. At that date it held total assets of IDR 527.79trn and shareholders' equity of IDR 36.21trn.

PT Bank Tabungan Negara (Persero) Tbk provides commercial banking services and activities based on shariah principles. The company is headquartered in Jakarta Pusat, Dki Jakarta. The company went IPO on 2009-12-17. The company operates its bank under the name Bank BTN. Its products include saving accounts, current accounts and fixed deposits. The company also offers various loans, such as home loan, investment loan and working capital loan. Besides conventional banking, it also offers Shariah-compliant banking services. Its office network is comprised of branches and sub-branches that are located across Indonesia.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Banks
Listed since
17 Dec 2009
Employees
11,164
Website
btn.co.id ↗

Leadership

Pay as last reported

  • Mr. Chandra HamzahIndependent President Commissioner
  • Mr. Nixon NapitupuluPresident Director
  • Mr. Oni RahardjoDeputy President Director
  • Mr. Iqbal LatanroIndependent Deputy President Commissioner, since 2007
  • Mr. Nofry PoetraDirector - Finance
  • Mr. Jasmin ..Director - Distribution and Institutional Funding
  • Mr. Hirwandi GafarDirector - Consumer
  • Mr. Muhammad IqbalDirector - SME and Retail Funding
  • Mr. Andi NirwotoDirector - Information Technology
  • Mr. Hakim PutratamaDirector - Operations and Customer Experience
  • Ms. Elisabeth RiswantiDirector - Asset Management
  • Mr. Eko WaluyoDirector - Human Capital, Compliance and Legal

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
74
Environment
56
Social
99
Governance
68
Direct emissions (scope 1)
7,282 t
Energy emissions (scope 2)
8,964 t
Value chain emissions (scope 3)
4,890 t
Women in the workforce
47.8%
Carbon reduction policy
Yes
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Bank Tabungan Negara (BTN) enjoys a strong market presence in the Indonesian banking industry.
  • It has a well-established customer base and a wide network of branches and ATMs throughout the country.
  • The bank has a solid capital position and a good track record in managing risks.
  • BTN has a strong focus on technology and innovation, providing convenient and user-friendly banking services to its customers.

Weaknesses

  • BTN faces intense competition from other major banks in Indonesia.
  • The bank has limited exposure internationally, which hampers its potential for growth and expansion.
  • There have been instances of inadequate customer service, leading to dissatisfaction among some customers.
  • BTN's brand image and reputation can be further improved to attract a wider customer base.

Opportunities

  • The growing Indonesian economy provides opportunities for BTN to expand its lending portfolio and offer a wider range of financial products.
  • There is an increasing trend of digital banking adoption in Indonesia, which can be capitalized on by BTN to enhance its online services and reach a larger customer base.
  • The government's focus on infrastructure development presents opportunities for BTN to finance projects and contribute to the country's growth.
  • BTN can explore strategic partnerships or acquisitions to strengthen its market position and diversify its offerings.

Threats

  • The COVID-19 pandemic and its economic impact pose uncertainties and challenges for BTN's operations and financial performance.
  • The regulatory environment in Indonesia may undergo changes, affecting the banking industry and requiring adaptation from BTN.
  • Increased cybersecurity threats and data breaches pose risks to the bank's reputation and customer trust.
  • Foreign competitors entering the Indonesian market could intensify competition for BTN.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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