Jakarta, May 2026. PT Bank Tabungan Negara (Persero) Tbk (BTN) recorded solid performance growth through April 2026 amid liquidity challenges across the banking industry. The Bank posted a net profit of IDR 1.16 trillion (bank only), representing a 55.84% year-on-year (yoy) increase compared to IDR 744 billion in the same period last year.
Based on BTN’s monthly financial statements, the profit growth was driven by stronger business fundamentals, lower funding costs, and improved asset quality management. As of April 2026, BTN recorded Net Interest Income (NII) of IDR 4.67 trillion, up 10.35% yoy from IDR 4.23 trillion in April 2025.
At the same time, the Bank successfully reduced interest expenses to IDR 4.41 trillion, down 16.36% yoy from IDR 5.27 trillion in the corresponding period last year. The lower cost of funds became one of the key drivers of BTN’s improved profitability at the beginning of this year.
From an operational perspective, BTN also recorded operating profit of IDR 1.49 trillion, an increase of 48.6% yoy compared to IDR 1 trillion in April 2025.
In line with profitability growth, the Bank’s intermediation function also continued to improve. As of April 2026, BTN’s loan portfolio reached IDR 344.07 trillion, growing 8.70% yoy from IDR 316.54 trillion in April 2025. Meanwhile, total assets increased to IDR 445.70 trillion, up 8.07% yoy.
On the funding side, third-party funds (DPK) amounted to IDR 357.83 trillion, representing a 6.31% yoy increase from IDR 336.58 trillion in April 2025. The achievement also resulted in low-cost funds (CASA) accounting for 50% of total DPK.
Previously, BTN President Director Nixon L.P. Napitupulu expressed optimism that the Bank’s ongoing business transformation would continue to strengthen BTN’s sustainable growth performance. He added that BTN is also accelerating its beyond mortgage business strategy to meet the evolving financial service needs of the Indonesian people.
“We are optimistic that the transformation undertaken by BTN will continue to strengthen the Bank’s business fundamentals. In addition to maintaining healthy and sustainable growth, BTN will continue to reinforce its role in supporting the national housing ecosystem while providing financial services that are increasingly relevant to the needs of the Indonesian people,” said Nixon.
