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As the state owned enterprise we are continuously improving business as an objective to achieve, to be a leading bank in fulfilling public current needs
Bank BTN (PT Bank Tabungan Negara, Tbk (Persero)) is a state owned enterprise bank, responsible for providing financial services to the public in order to drive economic growth for Indonesian in general and for small medium business in Indonesia
Bank BTN is a state owned enterprise in the form of Perseroan Terbatas (Incorporated Company) doing banking financial services. The embryo of Bank BTN was started by the establishment of Postspaarbank in Batavia in 1897 when the Dutch colonial period in Indonesia.
In 1st April 1942 Postparbank was halted by Japanese governance. As the replacement, the Japanese government established Tyokin Kyoku.
Postpaarbank was established by the Dutch colonial which was halted. After the Indonesian independence, Tyokin Kyoku was taken over by the Indonesian government and changed the name to Kantor Tabungan Pos RI (Savings Post Office of Republic of Indonesia). After the official establishment, it was the only banking company in Indonesia. In 1950 the government changed the name to Bank Tabungan Pos.
9 February 1950 was defined as the day and the date for the birth of BTN. Based on Government Regulation Laws Substitute Chapter 4 Year 1963 Statute Book of Indonesian Republic Chapter 62 Year 1963 on 22 June 1963, Bank Tabungan Pos has officially change its name to Bank Tabungan Negara. During this period Bank BTN had grown up from a business unit becoming an independent corporate.
Then the history of BTN began to engraved with the designation by Indonesian Government on 29 January 1974 through the Indonesian Minister of Finance Letter number B-49/MK/I/1974 as the bank specialized in housing financial services for the public. As Bank BTN served the duty, starting 1976, first time in Indonesia, the initiation of KPR (Mortgage) was introduced by Bank BTN. As time goes by, Bank BTN was the only bank in Indonesia with full concentration of developing its business in the financial housing services through the KPR BTN Program (BTN Mortgage Program).
Bank BTN expansion is getting bigger in 1989, Bank BTN released its first bond. In 1992, Bank BTN was officially changed its status to Persero (State Owned Enterprise) for its success in the housing financial services business through its KPR-BTN program. This status allows Bank BTN to move better as a commercial bank. For supporting the mortgage business, Bank BTN developed various banking products and services as what a professional commercial bank does.
The success of the mortgage business elevated Bank BTN from a conventional banking to an exchange banking in 1994. Services such as issuance Letter of Credit, financing in Dollars currency, and various other services was the form of products and services that can be served by Bank BTN with the exchange banking status. However it does not change its core business as the most respected mortgage financial service bank for Indonesian people.
Based on the study by an independent consultant, Price Water House Coopers, Indonesian government through the State-Owned Enterprise Minister’s letter number 5-554/MMBU/2002, decided Bank BTN as a focused bank in serving housing financial services for non subsidized houses.
Bapepam-LK (Securities and Exchange Comission) issued an official statement for new for new investment product based on securities. The product is called EBA Danareksa Sarana Multigriya Finansial I - Kredit Kepemilikan Rumah Bank Tabungan Negara (SMF I-KPR BTN). On the same year BTN had its initial IPO at the Indonesia Stock Exchange.
Public’s and the government’s trust to Bank BTN has made us received multiple awards in the Anugerah Perbankan Indonesia VI 2017 event. Bank BTN has been awarded as the number 1 Best Bank in Indonesia 2017. With the award, Bank BTN set an optimism of State Own Enterprise to continue its positive performance and achieve its business goals in the upcoming years.
Synergi
Building a synergic teamwork with all stakeholders based on genuine, open relationship and encourage productive collaboration with all fellow BTN employees and other parties based on mutual trust and respect to achieve common goals
Integrity
Consistency between thoughts, words and actions in accordance with the company regulations, professional code of ethics and the principles of commendable truth
Innovation
Constantly developing new ideas and creating value-added improvements for the company
Profesionalism
Visionary, competent and continuous self development with the latest technology to deliver the best performance
Strive for Excellence
Show enthusiasm and strong commitment to put quality into everything we do and provide services beyond customer expectations (internal and external) with calculated risks
Consumer credit products are divided into 4, which are Subsidized Mortgage, Non Subsidized Mortgage, Other Mortgage, and Consumer Credit.
Savings products are divided into 3, which are Giro Account, General Savings and Deposit Account.
Mortgage (KPR)
Providing financial loan services for housing or property with the property itself as the collateral. Mortgage is attended to individual or business who need to purchase a property without paying up front.
Consumer Loan
Providing financial loan services to consumer and personal for consumptive needs. It is also the development of consumer loan business from the housing value chain
Consumer Funding
Provide funding product and services oriented to individual customers and wealth management business development
Commercial Credit products are divided into 3, which are Construction Loan, Micro and Small Medium Enterprise Credit, and Other Corporate Loan.
Savings products are dominated by 2 products, Giro Account and Deposit Account.
Commercial Loan
Providing financial loan for property development financing and other commercial credits. One of the services is Construction Loan.
Small Medium Enterprise
Providing financial loan for micro and small medium enterprise with no more than 500 employee or less than 51 employee. BTN also provide financial services for micro business with 1-50 employees
Commercial and Institutional Funding
Providing product and financial services for corporate clients and institutions
Financial Services for BTN Syariah are divided by 2 which are Syariah Consumer Financing and Syariah Commercial Financing.
Financial products for BTN Syariah are divided by 3 which are Giro Syariah Account, Syariah Savings Account, and Syariah Deposit Account.
Providing syariah product and services that creates a synergy with BTN business.
I Wayan Agus Mertayasa, 69 years old. Appointed as the President Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Extraordinary General Meeting of Shareholders (EGMS) dated January 7th, 2016 and obtained the effective statement from the Financial Services Authority (OJK) on April 6th, 2016.
Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:
Kamaruddin Sjam, 70 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on June 29th, 2015
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Arie Coerniadi, 49 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on June 29th, 2015
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Lucky Fathul Aziz Hadibrata, 58 years old. Appointed as the Commissioner of Bank BTN at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on June 29th, 2015. Furthermore, the Extraordinary General Meeting of Shareholder (RUPSLB) decided to change his position, previously as the NonIndependent Commissioner becomes the Independent Commissioner and effective on November 15th, 2017
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Sumiyati, 56 years old. Appointed as the Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Extraordinary General Meeting of Shareholders (EGMS) of Bank BTN on September 2nd, 2015, and obtained the effective statement from the Financial Services Authority (OJK) on February 22nd, 2016
Prior to his appointment as Independent Commissioner of Bank BTN, she held position as follows:
Maurin Sitorus, 70 years old. Appointed as the Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Extraordinary General Meeting of Shareholders (EGMS) on January 7th, 2016 and obtained the effective statement from the Financial Services Authority (OJK) on June 6th, 2016
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Previously
Iman Sugema, 53 years old. Appointed as the Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (EGMS) on April 12th, 2016.
*) Appointed as a member of Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of Shareholders dated April 12, 2016 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and regulations
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Garuda Wiko, 52 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 17th, 2017
*) Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of Shareholder dated March 17th, 2017 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and regulations.
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Parman Nataatmadja, 61 years old. Appointed as Commissioner PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at Rapat Umum Pemegang Saham Tahunan (RUPST) Bank BTN on March 23, 2018
*) Appointed as Commissioner of PT Bank Tabungan Negara (Persero) Tbk and effective after obtaining approval from Otoritas Jasa Keuangan (OJK) for the fit and proper test and fulfilling the prevailing laws and regulations.
Prior to his appointment as Commissioner of Bank BTN, he held position as follows:
Maryono, 62 years old. Appointed as President Director of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) for the 2nd period at the Annual General Meeting of Shareholders of PT Bank Tabungan Negara Tbk dated March 17th 2017 and effective from March 17th 2017
Prior to his appointment as President Director of Bank BTN, he held position as follows:
Iman Nugroho Soeko, 62 years old. Appointed as a Director of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on February 25, 2014 and obtained the effective statement from the Financial Services Authority (OJK) on June 16, 2014
Prior to his appointment as Director of Bank BTN, he held position as follows:
Oni Febriarto Rahardjo, 46 years old. Appointed at the Annual General Meeting of Shareholders (AGMS) of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on May 19th, 2015
Prior to his appointment as Director of Bank BTN, he held position as follows:
R. Mahelan Prabantarikso, 48 years old. Appointed at the Annual General Meeting of Shareholders (AGMS) of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) on March 17th, 2017.
*) Appointed as a member of Board of Directors of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of Shareholders dated March 17, 2017 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and regulations
Prior to his appointment as Director of Bank BTN, he held position as follows:
Nixon L.P. Napitupulu, 48 years old. Appointed at the Annual General Meeting of Shareholders (AGMS) of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) on March 17th, 2017. He earned a Bachelor of Economics from Sumatera Utara University, Medan in 1994.
*) Appointed as a member of Board of Directors of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of Shareholders dated March 17, 2017 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and regulations
Prior to his appointment as Director of Bank BTN, he held position as follows:
Budi Satria, 54 years old. Appointed at the Annual General Meeting of Shareholders (AGMS) of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) on March 17th, 2017 and declared effective on July 25, 2017 by Otoritas Jasa Keuangan (OJK).
*) Appointed as a member of Board of Directors of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of Shareholders dated March 17, 2017 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and regulations
Prior to his appointment as Director of Bank BTN, he held position as follows:
Dasuki Amsir, 55 years old. Appointed as Director Distribution & Network of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at Rapat Umum Pemegang Saham (RUPS) Luar Biasa Bank BTN on December 28, 2017 and declared effective on June 26, 2018 by Otoritas Jasa Keuangan (OJK).
*) Appointed as the Director of Distribution & Network of PT Bank Tabungan Negara (Persero) Tbk based on the Extraordinary General Meeting of Shareholders dated December 28, 2017 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and regulations
Prior to his appointment as Director of Bank BTN, he held position as follows:
Yossi Istanto, 45 years old. Appointed as Director of Human Capital Strategy of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at Rapat Umum Pemegang Saham Tahunan (RUPST) Bank BTN on March 23, 2018 and declared effective on September 10, 2018 by Otoritas Jasa Keuangan (OJK).
Prior to his appointment as Director of Bank BTN, he held position as follows:
Andi Nirwoto, 48 years old. Appointed as Director IT & Operation PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at Rapat Umum Pemegang Saham Tahunan (RUPST) Bank BTN on March 23, 2018 and declared effective on September 10, 2018 by Otoritas Jasa Keuangan (OJK).
Master of Finance from Gajah Mada University University of Lexington Kentucky in 1997
Prior to his appointment as Director of Bank BTN, he held position as follows:
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Achmad Chaerul, 48 years. He has been serving as the Corporate Secretary of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) effective since October 30th , 2018. Based on the Decree of the Board of Directors of PT Bank Tabungan Negara (Persero) Tbk No. 812 / DIR / 2018 dated 30 October 2018 concerning Appointment of Officer as Corporate Secretary of PT Bank Tabungan Negara (Persero) Tbk.
Prior to his appointment as Corporate Secretary of Bank BTN, he held position as follows:
Triadi Pudjiastuti, 55 years old . Currently serving as Head of Internal Audit Division PT Bank Tabungan Negara (Persero) Tbk. Appointed as the Head of Internal Audit PT Bank Tabungan Negara (Persero) Tbk effective since November 13th, 2017 based on Board of Directors’ Decision Letter No. 612/DIR/2017 dated November 07th, 2017 regarding Employee Rotation/Promotion
Prior to his appointment as Corporate Secretary of Bank BTN, he held position as follows:
Kamaruddin Sjam, 70 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on June 29th, 2015
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
I Wayan Agus Mertayasa, 69 years old. Appointed as the President Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Extraordinary General Meeting of Shareholders (EGMS) dated January 7th, 2016 and obtained the effective statement from the Financial Services Authority (OJK) on April 6th, 2016.
Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:
Garuda Wiko, 52 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 17th, 2017
*) Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of Shareholder dated March 17th, 2017 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and regulations.
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Sondang Gayatri 57 years old , appointed as the member of Audit Committee of PT Bank Tabungan Negara (Persero) Tbk effective since September 26th , 2013 based on Board of Directors’ Decision Letter No. 507/DIR/2015 dated September 4th , 2015 regarding the Change in Audit Committee Member of PT Bank Tabungan Negara (Persero) Tbk
Prior to his appointment as Internal Audit of Bank BTN, she held position as follows:
Arie Coerniadi, 49 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on June 29th, 2015
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
I Wayan Agus Mertayasa, 69 years old. Appointed as the President Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Extraordinary General Meeting of Shareholders (EGMS) dated January 7th, 2016 and obtained the effective statement from the Financial Services Authority (OJK) on April 6th, 2016.
Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:
I Wayan Agus Mertayasa, 69 years old. Appointed as the President Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Extraordinary General Meeting of Shareholders (EGMS) dated January 7th, 2016 and obtained the effective statement from the Financial Services Authority (OJK) on April 6th, 2016.
Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:
Arie Coerniadi, 49 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on June 29th, 2015
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Kamaruddin Sjam, 70 years old. Appointed as the Independent Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Annual General Meeting of Shareholders (AGMS) of Bank BTN on March 24th, 2015 and obtained the effective statement from the Financial Services Authority (OJK) on June 29th, 2015
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Maurin Sitorus, 70 years old. Appointed as the Commissioner of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) at the Extraordinary General Meeting of Shareholders (EGMS) on January 7th, 2016 and obtained the effective statement from the Financial Services Authority (OJK) on June 6th, 2016
Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:
Previously
