Close
AUD 10,745.00 0.01
CNY 2,216.00 0.01
EUR 16,696.00 0.01
GBP 18,878.00 0.02
HKD 2,025.00 0.00
JPY 133.00
MYR 3,659.00 0.00
SAR 4,084.00 0.00
SGD 10,776.00 0.01
USD 14,683.00 0.01
Currency Purchasing Price Selling Price
  • AUD 10,512.00 10,745.00
  • CNY 1,990.00 2,216.00
  • EUR 16,399.00 16,696.00
  • GBP 18,449.00 18,878.00
  • HKD 1,702.00 2,025.00
  • JPY 125.00 133.00
  • MYR 3,313.00 3,659.00
  • SAR 3,696.00 4,084.00
  • SGD 10,448.00 10,776.00
  • USD 14,508.00 14,683.00

Keep Innovating And Continuous Improvement

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

Sahabat Keluarga Indonesia

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 Vision

To be the leader and trusted bank in facilitating the property sector and financial service

Bank BTN Mission

  • To actively support property sector from the supply and demand perspective which integrated with the Indonesian property sector
  • To provide excellent service in financing the property sector and family financial demands
  • To increase competitive excellences through product development innovation, services, and digital based strategic network
  • To prepare and develop qualified and professional Human Capital of high integrity
  • To increase shareholder value by focusing on profitability growth with prudence principle and Good Corporate Governance
  • To care for public, social and environment interest with sustainable approach

BTN History

The early birth of Bank BTN in the Dutch colonial period

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.

The birth of Bank BTN during Japanese Governance

In 1st April 1942 Postparbank was halted by Japanese governance. As the replacement, the Japanese government established Tyokin Kyoku.

The early birth of Bank BTN in the Indonesia Independence Period

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.

The early birth of Bank BTN in Transition Period

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).

The beginning of the current Bank BTN

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 Growth of Bank BTN Services

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.

Government Trust to Bank BTN

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.

Bank BTN Initial IPO

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.

Current Bank BTN

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.

The values of corporate culture

Bank BTN has 5 values of corporate culture as the reference for every actions and behavior of Bank BTN employees to achieve its vision

The Meaning of Five Values of Corporate Culture Bank BTN

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

 

Mortgage and Consumer Banking

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

Real Estate and Commercial Banking

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


Syariah Banking

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.

 
Syariah Business

  Providing syariah product and services that creates a synergy with BTN business.

Treasury & Asset Management

Providing treasury product and services and managing Pension Fund

Board of Commissioner

Board of commissioners stated on the Annual General Meeting of Shareholders . To see detail information about the event, please visit the Investor Relations page.
I Wayan Agus Mertayasa
President Commissioner/Independent

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.

Educational Background:

  • Formal Education:
    • Bachelor Degree in Economics from University of Brawijaya, Malang in 1973
  • Non Formal Education: 
    • London Business School dan SRW & Co in London, UK on September 2016, 
    • Global Strategic Management (Harvard Business School) in Boston, USA on June 2009
    • New Challanges, New Solutions (Harvard Business School) in Boston, USA on July 2008
    • Changing The Game Negotiation & Competitive Decision (Harvard Business School) in Boston, USA on August 2003
    • Some advance management devvelopments in finance and legal in Hongkong, Singapore, New York and Champaign Urbana Illinois, USA

Experiences:

Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:

  • Served as the General Manager of Bank Bumi Daya Los Angeles Agency (USA) (1991- 1992)
  • Served as Chief Executive Bumi Daya Finance Hongkong (1992-1993)
  • Served as General Manager Bank Bumi Daya New York (1993-1994)
  • Served as Director of Bank Pembangunan Indonesia (1994-1999), EVP /& Director of PT Served as Bank Mandiri (Persero) Tbk (1999-2005)
  • Served as Vice President Director of PT Bank Mandiri (Persero) Tbk (2005- 2010)
  • Served as Chairman Non Executive Director, Bank Mandiri (Europe) Limited, London UK (2010-2015)
Kamaruddin Sjam
Independent Commissioner

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

Educational Background:

  • Formal Education:
    • Bachelor Master of Management (MM) from Sekolah Tinggi Ilmu Ekonomi IPWI, Jakarta in 1997
  • Non Formal Education: 
    • Benchmarking and Workshop Enterprise Risk Management in UK in London, UK on April 2016 
    • Enhancing the Power of Enterprise Risk Management in Creating a Sound Bank and Financial Risk Integration in Stockholm, Sweden on September 2016 
    • ECIIA European Conference Paris France & On Site Learning on September 2015, 
    • National Seminar of IIA Conference on August 2015.
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Served as a member of Indonesian Parliament Commission XI and Director of Financial
  • Served as Development Supervisory Body (BPKP)
Arie Coerniadi
Independent Commissioner

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

Educational Background:

  • Formal Education:
    • Bachelor  Degree in Electrical Engineering from Indonesia University in 1991
  • Non Formal Education: 
    • Mobile World Congress, a solution for Mobile Payment and Mobile Banking, including Mobile Ekyc on February 2016 in Barcelona, Spain
    • Enhancing the Power of Enterprise Risk Management in Creating a Sound Bank and Financial Risk Integration on September 2016 in Stockholm, Sweden.

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Served as a Vice President of NISP Securities
  • Served as Group Head Vice President of the Indonesian Bank Restructuring Agency (BPPN)
  • Served Vice President of Indonesian Central Securities Depository (KSEI)
  • Currently Served as Chief Finance Officer of Sarana Global Indonesia since 2011
Lucky Fathul Aziz H
Independent Commissioner

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

Educational Background:

  • Formal Education:
    • Bachelor Master of Art (MA) in Development Economics from Boston University, Massachusetts, USA in 1985
    • In 1991, Bachelor Master of Science (MS) from Hasanuddin University, 
       
  • Non Formal Education: 
    • The IIA International Conference 2016 pada Juli 2016 di New York & Washington DC, USA
    • International Enterprise Risk Management Benchmarking in Spain, Barcelona Spanyol in 2015
    • Leading and Managing People: Power and Relationships by Wharton Bussines School University of Pennsylvania in 2014
    • A New Era of Conduct Supervision: Consequences, Challenges, and Opportunities by OJK, AusAID and The World Bank, Bali, in 2014
    • Workshop on Banking Supervision Indonesia FSA – Japan FSA by OJK and Japan FSA in 2014
    • Strengthening the Asian Financial Sector Toward Sustainable and Inclusive Growth by ADBInstitute, Japan in 2013

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Serving as the President Director of Pension Fund of OJK (2015 – present) and previously he was the Deputy Commissioner 1B for Strategic Management of OJK
  • Served as  Head of Bank Indonesia Representative Region VI Bandung (2010-2012)
  • Served as Head of Bank Indonesia Representative New York (2007-2010)
Sumiyati
Commissioner

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

Educational Background:

  • Formal Education:
    • Bechelor  Master of Financial Management from Queensland University, Australia
       
  • Non Formal Education: 
    • London Business School and SRW & Co on September 2016 in London, UK
    • Enterprise Risk Management in Japan, 2015
    • Enhancing The Strategy management System Forwards Obtaining Break Through Results in Jakarta, 2014
    • High Performance Leadership in UK, 2012.
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, she held position as follows:

  • Serving as the Head of Financial Education and Training Agency, (BPPK) Ministry of Finance, Indonesia
  • Served as she served as the Head of Planning and Finance Bureau at Secretariat-General, Ministry of Finance (2009 – 2015)
  • Served as Commissioner of PT Jiwasraya (Persero) (2012 – 2015)
Maurin Sitorus
Commissioner

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

Educational Background:

  • Formal Education:
    • Bachelor Doctor of Philosophy (Ph.D) in Monetary and International Economics from University of Kentucky, Lexington, USA in 1994.
       
  • Non Formal Education: 
    • Impact Evaluation and Use of Monitoring & Evaluation in Performanced Based Planning Budgeting in Shanghai, Cina, 2010
    • Economic Development Strategy and Market in Japan and South Korea, 2002
    • Macro Economic Modeling in Denhaag, Netherlands, 2002.
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Currently he is a Director- General of Housing Finance at the Ministry of Public Works and Housing.

Previously

  • Served as Secretary of Directorate General of Debt Management, Directorate General of Debt Management
  • Served as Finance Ministry of Republic of Indonesia in 2014, and the Head of Regional Office at Directorate General of Treasury in Bengkulu
  • Served as Directorate General of Treasury, Finance Ministry of Republic of Indonesia
Iman Sugema
Commissioner

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 

Educational Background:

  • Formal Education:
    • Bachelor  Ph.D in Economics from The Australian National University in 2000
       
  • Non Formal Education: 
    • ERMA Bali International Conference On Enterprise Risk Management on December 2016 in Denpasar, Bali
    • Preparation of Risk Management Certification Level 1 and 2 in Jakarta, 2016 
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Served as the President Commissioner of PT Perusahaan Gas Negara (2015 – 2016) 
  • Served the Director of Inter-CAFÉ (International Center for Applied Finance and Economics, Bogor Agricultural Institute (2005 – 2013)
Garuda Wiko
Independent Commissioner

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.

Educational Background:

  • Formal Education:
    • Bachelor Doctor in Legal from the University of Diponegoro in 2006
       
  • Non Formal Education: 
    • Arbitration Workshop in Construction in Jakarta, 2008 and Workshop
    • Research in Critical Legal Study and Legal Pluralism in Pontianak, 2004
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Currently serving as a Lecturer of Magister Management at the University of Tanjungpura (2008 – now) 
  • A senate member of Islamic Institute in Pontianak and a Professor in Sharia Department (2010 – now)
Parman Nataatmadja
Commissioner

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.

Educational Background:

  • Formal Education:
    • Bachelor Degree of Economic from Indonesia University in 1985
    • NBA Finance, UNY Buffalo in 1988
       
  • Non Formal Education: 
    • Speaker in "Peran Industri Jasa Keuangan dalam Mendukung Pengembangan Start Up Business", Jakarta (2016)
    • Speaker in “The Art of Start Up”, Jakarta(2016)
    • Guest Speaker in FEALAC (Forum East Asia Latin America Corporation), Bogota (2016)
    • Orientation on New Factoring Product, Singapore tahun (1997)

       

Experiences:

Prior to his appointment as Commissioner of Bank BTN, he held position as follows:

  • Currently serving as Specific Staff of BUMN Ministry  (February 2017 – now) 
  • Currently serving as Commissioner Mitra Dagang Madani (September 2017 – now)
  • Currently serving as Commissioner PT PNM Investment Management (July 2008 – now)
  • Currently serving as Commissioner PT PNM Venture Capital (Juni 2008 – sekarang)
  • Served as Director PT Permodalan Nasional Madani (Persero) (February 2008- February 2018)


Directors

Board of Commissioners stated on the Annual General Meeting of Shareholders. To see detail information about the event, please visit the Investor Relations page.
Maryono
President Director

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

Educational Background:

  • Formal Education:
    • Bachelor Master of Business Administration (MBA) at Sekolah Tinggi Ilmu Ekonomi IPWI in 1998
       
  • Non Formal Education: 
    • Regional Conference on Postal Saving System in Asia 2016 in Tokyo, 2016
    • 24th World Congress of Saving and Retail Banks in USA, 2015
    • 21st Meeting of WSBI Asia Regional Group in Spain, 2015
    • Executive International Conference in Moscow, 2014
    • Refreshment of Risk Management Certification in Moscow, Rusia, 2014 

Experiences:

Prior to his appointment as President Director of Bank BTN, he held position as follows:

  • Currently, he is serving as the president of the World Saving Bank Institute (WSBI) Asia & Pacific Regional Group
  • Served as the President Director of Bank Mutiara started November 2008 until December 2012
  • He has had extensive experience in banking since 1982 at Bank Pembangunan Indonesia until 1999
  • Served as the President Commissioner of PT Mandiri Manajemen Investasi and Group Head Jakarta Network Group at PT Bank Mandiri (Persero) Tbk in 2008
Iman Nugroho Soeko
Director

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

Educational Background:

  • Formal Education:
    • Bachelor Master of Social Science (M.Soc.Sc from The University of Birmingham, United Kingdom in 1989
       
  • Non Formal Education: 
    • Risk Governance Master Class Training & Certification in Jakarta, 2016
    • Real Estate Management Program;
      Finance, Design and Leadership, at Harvard Business School, HBS Campus, Boston, USA, in 2014
    • Manager’s Certification on the 4th Disciplines of Execution in Jakarta, 2010
    • Internalizing Best Practices of Good Corporate Governance and Directorship, in Bali, 2009
       

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as a Senior Recovery Manager Asset Management & Disposal Department Group
  • Served as Head IBCMS Group Bank Mandiri and Chief Executive Bank Mandiri (Europe) Ltd. (BMEL). 
Oni Febriarto R.
Director

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

Educational Background:

  • Formal Education:
    • Bachelor Master of Management from Sekolah Tinggi Manajemen PPM in 1996
       
  • Non Formal Education: 
    • ASEAN Global Leadership Program in Berkeley, 2016
    • Certified Risk Management Level 5, 2015
    • SESPIBANK by LPPI, 2014
    • Housing Development Finance Corporation Program in India, 2010
    • Smart Merger and Acquisition by Indonesian risk Professional Association (IRPA), 2008
       

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as the Head of Small & Micro Lending Division
R. Mahelan Prabantarikso
Director

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

 

 

Educational Background:

  • Formal Education:
    • Bachelor Doctor of Human Capital Management from Bogor Agricultural University in 2017
       
  • Non Formal Education: 
    • To be Top 50 Team Asean CG Scorecard at Batam, 2016
    • Socialization AFI KPKU BTN Senior Leader at Jakarta, 2016
    • Interest Rate Risk in Banking Book at Jakarta, 2015
    • Seminar Strategi Industri Perbankan at Jakarta, 2015 

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as the Head of Strategic Innovation & Performance Division, Bank BTN (2015 – 2017)
  • Served Head of Change Management Office, Bank BTN (2013 – 2015)
  • Superitendent Human Capital Projects, Bank BTN (2012 – 2013)
  • He has been working for PT Bank Tabungan Negara (Persero) Tbk since 1995
Nixon L.P. Napitupulu
Director

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

Educational Background:

  • Formal Education:
    • Bachelor of Economics from Sumatera Utara University, Medan in 1994
       
  • Non Formal Education: 
    • Refreshment of Risk Management level 4 in Jakarta, 2017
    • Refreshment Sound Practice in Bank Management Using Risk Based Bank Rating (RBBR) in Denpasar, 2016

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as the President Director of PT Bank Mandiri Taspen Pos (2015 – 2017)
  • Served as Head of Transition Team of Bank Joint Venture of PT Bank Mandiri (Persero) Tbk (2015)
  • Served as Head of Priority Project Bank Joint Venture PT Bank Mandiri (Persero) Tbk (2014 – 2015)
  • Served as Group Head Corporate Secretary Group of PT Bank Mandiri (Persero) Tbk (2013-2014)
Budi Satria
Director

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

Educational Background:

  • Formal Education:
    • Bachelor Magister of Management from the University of Indonesia, 2001
       
  • Non Formal Education: 
    • Public Course (Marketing) in Jakarta, 2014
    • Matriculation and Help Session Risk Management level 4, in Jakarta, 2012
    • Assistant Vice President Development Program (AVPDP) in Jakarta, 2012 

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as the Head of Regional Office Jakarta PT Bank Rakyat Indonesia (Persero) Tbk (2015 – 2017)
  • Served  Corporate Secretary of PT Bank Rakyat Indonesia (Persero) Tbk (2014 – 2015)
  • Served the Head of Regional Office Palembang of PT Bank Rakyat Indonesia (Persero) Tbk (2012 – 2014)
Dasuki Amsir
Dasuki Amsir
Director

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

Educational Background:

  • Formal Education:
    • Master Degree in Management from Gajah Mada University in 2009
       
  • Non Formal Education: 
    • Refreshment Training KPKU BUMN for Executive, Bank BNI (2015)
    • Human Capital Awareness, Bank BNI (2015)
    • Advanced Managing Performance, Bank BNI (2014) and Certification in Risk Management Level 4, LSPP & BNSP (2012) 

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as President Director of PT Perkebunan Nusantara III Persero (Holding) (April – December 2017)
  • Served as President Director of PT Perkebunan Nusantara IV (2016 – 2017)
  • Served as Financial Director of PT Perkebunan Nusantara IV  (2015 – 2016)
  • Served as Head of Commercial Remedial Division of PT Bank Negara Indonesia (Persero) Tbk (Jan 2015 – Oct 2015)
Yossi Istanto
Director

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).

Educational Background:

  • Formal Education:
    • Bachelor Degree in Law From Sebelas Maret University in 1996
    • Master Degree in Law from Parahyangan University in 2004
       
  • Non Formal Education: 
    • Refreshment UKMR Level 4 (LSPP), Jakarta (2017)
    • Penilaian Mutual Review APU-PPT, Jakarta (2017)
    • Comparative Study, Spanyol (2015)
    • Training LN Lendin From Within di AGSM UNSW Business (2016)

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as Legal Division Head Bank BTN  (March 2017 – March 2018)
  • Served as Legal & Loan Document Desk Head Bank BTN  (April 2014  – March 2017)
  • Served as Legal Litigation and Non Litigation Department Head Bank BTN  (July 2013 – April 2014)
  • Served as Senior Legal Litigation Bank BTN (January 2011 – July 2013)
Andi Nirwoto
Director

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).

Educational Background:

  • Formal Education:
    • Bachelor Desree of Engineering from Gajah Mada University in 1995
    • Master of Finance from Gajah Mada University  University of Lexington Kentucky in 1997

       
  • Non Formal Education: 
    • New Technology for Banking High Availability for Banking High Availability Infras, Beijing and Tokyo (2017)
    • Information Technology Infrastructure Library (ITIL), APMG Internasional, Quint Wellington Redwood, Jakarta (2017)
    • Security – Anticipate : Secure The Next Year, Singapore (2016)
    • Winning Digital, Hongkong (2014)
    • Certify Enterprise IT Architecture Practitioner (The Open Group Architecture Framework, TOGAF 8), National University of Singapore (NUS), Institute of System Science/ Singapore (2011)

Experiences:

Prior to his appointment as Director of Bank BTN, he held position as follows:

  • Served as General Manager Operation al Teknologi Informasi di BNI (July 2017 – Maret 2018)
  • Served as General Manager Divisi Solusi & Security TI di BNI (November 2015 – July 2017)
  • Served as General Manager Divisi Teknologi Informasi di BNI (Oktober 2014 – November 2015)

Corporate Secretary

Achmad Chaerul
Corporate Secretary

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.

Educational Background:

  • Formal Education:
    • Bachelor Masters in Law from the University of Indonesia in 2002.
  • Non Formal Education: 
    • Strategy Excellence organized by Aztech in Dubai (2018)
    • APU & PPT training held by Effective Pro in Jakarta (2018)
    • UKMR certification level 4 held by Lembaga Sertifikasi Profesi Perbankan in Jakarta (2018)
    • Debriefing of UKMR Level 4 held by Effective Pro in Jakarta (2018)
    • Credit Certification held by Lembaga Sertifikasi Profesi Perbankan in Jakarta in (2018)
    • Credit Policy Certification held by Lembaga Sertifikasi Profesi Perbankan (2017)
       

Experiences:

Prior to his appointment as Corporate Secretary of Bank BTN, he held position as follows:

  • Head of Compliance & Governance Division (Oct. 1 - Oct 29 2018)
  • Regional Head of Office V (2017) and Regional Head of Office IV (2017).
  • He began his career at Bank BTN since 1997

Auditor

Head of Internal Audit

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

Educational Background:

  • Formal Education:
    • Bachelor Degree in Economics from Gajah Mada University, Yogyakarta in 1973
       
  • Non Formal Education: 
    • Workshop Implementasi Akuntansi Aset held by PT Barka Cahaya Mediatama, Jakarta in 2017
    • Pelatihan Akuntansi Aset (PSAK & ISAK) held by Ikatan Akuntansi Indonesia (IAI), Jakarta in 2017
    • Developing The Strategic Manager 2 held by AGSM UNSW business School, Australia in 2016

Experiences:

Prior to his appointment as Corporate Secretary of Bank BTN, he held position as follows:

  • He has been working at PT Bank Tabungan Negara (Persero) Tbk since 1986 and her latest position was as the Head of Finance & Accounting Division PT Bank Tabungan Negara (Persero) Tbk
Purwantono Suherman Surja – Ernst & Young
Auditor

Audit Committee

Kamaruddin Sjam
Chairman

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

Educational Background:

  • Formal Education:
    • Bachelor Master of Management (MM) from Sekolah Tinggi Ilmu Ekonomi IPWI, Jakarta in 1997
  • Non Formal Education: 
    • Benchmarking and Workshop Enterprise Risk Management in UK in London, UK on April 2016 
    • Enhancing the Power of Enterprise Risk Management in Creating a Sound Bank and Financial Risk Integration in Stockholm, Sweden on September 2016 
    • ECIIA European Conference Paris France & On Site Learning on September 2015, 
    • National Seminar of IIA Conference on August 2015.
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Served as a member of Indonesian Parliament Commission XI and Director of Financial
  • Served as Development Supervisory Body (BPKP)
I Wayan Agus Mertayasa
Member

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.

Educational Background:

  • Formal Education:
    • Bachelor Degree in Economics from University of Brawijaya, Malang in 1973
  • Non Formal Education: 
    • London Business School dan SRW & Co in London, UK on September 2016, 
    • Global Strategic Management (Harvard Business School) in Boston, USA on June 2009
    • New Challanges, New Solutions (Harvard Business School) in Boston, USA on July 2008
    • Changing The Game Negotiation & Competitive Decision (Harvard Business School) in Boston, USA on August 2003
    • Some advance management devvelopments in finance and legal in Hongkong, Singapore, New York and Champaign Urbana Illinois, USA

Experiences:

Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:

  • Served as the General Manager of Bank Bumi Daya Los Angeles Agency (USA) (1991- 1992)
  • Served as Chief Executive Bumi Daya Finance Hongkong (1992-1993)
  • Served as General Manager Bank Bumi Daya New York (1993-1994)
  • Served as Director of Bank Pembangunan Indonesia (1994-1999), EVP /& Director of PT Served as Bank Mandiri (Persero) Tbk (1999-2005)
  • Served as Vice President Director of PT Bank Mandiri (Persero) Tbk (2005- 2010)
  • Served as Chairman Non Executive Director, Bank Mandiri (Europe) Limited, London UK (2010-2015)
Garuda Wiko
Member

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.

Educational Background:

  • Formal Education:
    • Bachelor Doctor in Legal from the University of Diponegoro in 2006
       
  • Non Formal Education: 
    • Arbitration Workshop in Construction in Jakarta, 2008 and Workshop
    • Research in Critical Legal Study and Legal Pluralism in Pontianak, 2004
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Currently serving as a Lecturer of Magister Management at the University of Tanjungpura (2008 – now) 
  • A senate member of Islamic Institute in Pontianak and a Professor in Sharia Department (2010 – now)
Sondang Gayatri
Member of Audit Committee

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

Educational Background:

  • Formal Education:
    • Bachelor Degree in Economic Management in 1983
       
  • Non Formal Education: 
    • Certification in Risk Management (level 4)
    • LSPP & BNSP in 2012
    • Certification in 4st International (CWMA and IBI) SONDANG GAYATRI in 2011
       

Experiences:

Prior to his appointment as Internal Audit of Bank BTN, she held position as follows:

  • Served CEO Region 15 Bank BNI Jakarta Kemayoran (2010-2013)
  • Served Head of BNI Branch Office in Bandung
Rachmat Supratman
Member

Risk Monitoring Committee

Arie Coenardi
Chairman

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

Educational Background:

  • Formal Education:
    • Bachelor  Degree in Electrical Engineering from Indonesia University in 1991
  • Non Formal Education: 
    • Mobile World Congress, a solution for Mobile Payment and Mobile Banking, including Mobile Ekyc on February 2016 in Barcelona, Spain
    • Enhancing the Power of Enterprise Risk Management in Creating a Sound Bank and Financial Risk Integration on September 2016 in Stockholm, Sweden.

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Served as a Vice President of NISP Securities
  • Served as Group Head Vice President of the Indonesian Bank Restructuring Agency (BPPN)
  • Served Vice President of Indonesian Central Securities Depository (KSEI)
  • Currently Served as Chief Finance Officer of Sarana Global Indonesia since 2011
I Wayan Agus Mertayasa
Member

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.

Educational Background:

  • Formal Education:
    • Bachelor Degree in Economics from University of Brawijaya, Malang in 1973
  • Non Formal Education: 
    • London Business School dan SRW & Co in London, UK on September 2016, 
    • Global Strategic Management (Harvard Business School) in Boston, USA on June 2009
    • New Challanges, New Solutions (Harvard Business School) in Boston, USA on July 2008
    • Changing The Game Negotiation & Competitive Decision (Harvard Business School) in Boston, USA on August 2003
    • Some advance management devvelopments in finance and legal in Hongkong, Singapore, New York and Champaign Urbana Illinois, USA

Experiences:

Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:

  • Served as the General Manager of Bank Bumi Daya Los Angeles Agency (USA) (1991- 1992)
  • Served as Chief Executive Bumi Daya Finance Hongkong (1992-1993)
  • Served as General Manager Bank Bumi Daya New York (1993-1994)
  • Served as Director of Bank Pembangunan Indonesia (1994-1999), EVP /& Director of PT Served as Bank Mandiri (Persero) Tbk (1999-2005)
  • Served as Vice President Director of PT Bank Mandiri (Persero) Tbk (2005- 2010)
  • Served as Chairman Non Executive Director, Bank Mandiri (Europe) Limited, London UK (2010-2015)
Heru Ratna Azimada
Member
Yuki Noviani Kohar
Member

Remuneration and Nomination Committee

I Wayan Agus Mertayasa
Chairman

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.

Educational Background:

  • Formal Education:
    • Bachelor Degree in Economics from University of Brawijaya, Malang in 1973
  • Non Formal Education: 
    • London Business School dan SRW & Co in London, UK on September 2016, 
    • Global Strategic Management (Harvard Business School) in Boston, USA on June 2009
    • New Challanges, New Solutions (Harvard Business School) in Boston, USA on July 2008
    • Changing The Game Negotiation & Competitive Decision (Harvard Business School) in Boston, USA on August 2003
    • Some advance management devvelopments in finance and legal in Hongkong, Singapore, New York and Champaign Urbana Illinois, USA

Experiences:

Prior to his appointment as President Commissioner of Bank BTN, he held position as follows:

  • Served as the General Manager of Bank Bumi Daya Los Angeles Agency (USA) (1991- 1992)
  • Served as Chief Executive Bumi Daya Finance Hongkong (1992-1993)
  • Served as General Manager Bank Bumi Daya New York (1993-1994)
  • Served as Director of Bank Pembangunan Indonesia (1994-1999), EVP /& Director of PT Served as Bank Mandiri (Persero) Tbk (1999-2005)
  • Served as Vice President Director of PT Bank Mandiri (Persero) Tbk (2005- 2010)
  • Served as Chairman Non Executive Director, Bank Mandiri (Europe) Limited, London UK (2010-2015)
Arie Coerniadi
Member

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

Educational Background:

  • Formal Education:
    • Bachelor  Degree in Electrical Engineering from Indonesia University in 1991
  • Non Formal Education: 
    • Mobile World Congress, a solution for Mobile Payment and Mobile Banking, including Mobile Ekyc on February 2016 in Barcelona, Spain
    • Enhancing the Power of Enterprise Risk Management in Creating a Sound Bank and Financial Risk Integration on September 2016 in Stockholm, Sweden.

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Served as a Vice President of NISP Securities
  • Served as Group Head Vice President of the Indonesian Bank Restructuring Agency (BPPN)
  • Served Vice President of Indonesian Central Securities Depository (KSEI)
  • Currently Served as Chief Finance Officer of Sarana Global Indonesia since 2011
Kamaruddin Sjam
Member

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

Educational Background:

  • Formal Education:
    • Bachelor Master of Management (MM) from Sekolah Tinggi Ilmu Ekonomi IPWI, Jakarta in 1997
  • Non Formal Education: 
    • Benchmarking and Workshop Enterprise Risk Management in UK in London, UK on April 2016 
    • Enhancing the Power of Enterprise Risk Management in Creating a Sound Bank and Financial Risk Integration in Stockholm, Sweden on September 2016 
    • ECIIA European Conference Paris France & On Site Learning on September 2015, 
    • National Seminar of IIA Conference on August 2015.
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Served as a member of Indonesian Parliament Commission XI and Director of Financial
  • Served as Development Supervisory Body (BPKP)
Maurin Sitorus
Member

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

Educational Background:

  • Formal Education:
    • Bachelor Doctor of Philosophy (Ph.D) in Monetary and International Economics from University of Kentucky, Lexington, USA in 1994.
       
  • Non Formal Education: 
    • Impact Evaluation and Use of Monitoring & Evaluation in Performanced Based Planning Budgeting in Shanghai, Cina, 2010
    • Economic Development Strategy and Market in Japan and South Korea, 2002
    • Macro Economic Modeling in Denhaag, Netherlands, 2002.
       

Experiences:

Prior to his appointment as Independent Commissioner of Bank BTN, he held position as follows:

  • Currently he is a Director- General of Housing Finance at the Ministry of Public Works and Housing.

Previously

  • Served as Secretary of Directorate General of Debt Management, Directorate General of Debt Management
  • Served as Finance Ministry of Republic of Indonesia in 2014, and the Head of Regional Office at Directorate General of Treasury in Bengkulu
  • Served as Directorate General of Treasury, Finance Ministry of Republic of Indonesia
I Nengah Rentaya
Member
Eko Waluyo
Member

Organization Structure

Company Identities

 

Primary Configuration:

 

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Secondary Configuration:

 

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Secondary Configuration 2:

 

 

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