Close
USD 15,135.00 0.00
JPY 117.00 0.01
GBP 18,206.00 0.01
AUD 10,354.00 0.01
HKD 2,079.00 0.00
SGD 10,877.00 0.00
EUR 15,579.00 0.01
MYR 3,572.00 0.00
SAR 4,232.00 0.00
CNY 2,355.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,885.00 15,135.00
  • JPY 106.00 117.00
  • GBP 17,705.00 18,206.00
  • AUD 10,082.00 10,354.00
  • HKD 1,747.00 2,079.00
  • SGD 10,492.00 10,877.00
  • EUR 15,228.00 15,579.00
  • MYR 3,212.00 3,572.00
  • SAR 3,765.00 4,232.00
  • CNY 2,118.00 2,355.00
BTN Contact Us

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 best Mortgage Bank in South East Asia by 2025

Bank BTN Mission

  • To actively support the government in advancing the wellbeing of Indonesians through home ownership
  • To realize the life dreamed by millions of Indonesians through the provision of a decent home
  • To become the home of Indonesia's best talent
  • To increase shareholder value by focusing on sustainable profitability growth as a blue chip company with solid risk management principles
  • To become the financial partner to stakeholder within the housing ecosystem by providing end-to-end solutions and excellent service through digital innovation

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 6 (Six) AKHLAK Core Values which become the foundation for all BTNers (as Bank BTN Employees) behave to achieve the vision of Bank BTN.





    Trust

        Keep promises and commitments.
        Responsible for the tasks, decisions, and actions performed.
        Stick to moral and ethical values.

    Competent

        Improve self-competence to respond to ever-changing challenges.
        Help others learn.
        Complete tasks of the highest quality.

    Harmonious

        Respect everyone regardless of their background.
        Likes to help others.
        Build a conducive work environment.

    Loyal

        Maintain the names of fellow employees, leaders, BUMN and the State.
        Willing to sacrifice to achieve a greater goal.
        Obey the leadership as long as it doesn't conflict with law and ethics

    Adaptive

        Quickly adjust to be better.
        Continuously making improvements following technological developments.
        Be proactive.

    Collaborative
        Provide opportunities for various parties to contribute.
        Be open in working together to generate added value.
        Mobilizing the use of various resources for common goals.

The Meaning of Six Values of Corporate Culture Bank BTN

Trust

Uphold the trust given

Competent.

Continue to learn and develop capabilities.

Harmonious

Mutual care and respect for differences.

Loyal

Dedicated and prioritizing the interests of the Nation and the State.

Adaptive

Continue to innovate and be enthusiastic in driving or facing change.

Collaborative

Build synergistic cooperation.

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

The board of commissioners appointed at the Annual General Meeting of Shareholders (AGMS) on March 2, 2022. To view detailed information on the GMS, please visit the Investor Relations page.

Chandra Hamzah
Commissioner Independent

Chandra Hamzah

Independent President Commissioner

Place, year of birth: Jakarta, 1967
 

Educational Background

  • Universitas Indonesia - Law Major
    Bachelor Degree

 

Experiences

Commissioner Independent - PT Bank Tabungan Negara (Persero), Tbk
November 2019 – Present

President Commissioner - PT Perusahaan Listrik Negara (Persero)
2014 - 2015

Chairman / Deputy Chair Komisi Pemberantasan Korupsi (KPK)
2007 - 2011

Partner of Assegaf Hamzah & Partners Law Firm
2001 - saat ini

 

 

Iqbal Latanro
Deputy President Commissioner / Independent

Iqbal Latanro

Deputy President Commissioner / Independent

Place, year of birth : Ujung Pandang, 1958
 

Educational Background

  • Universitas  Hasanuddin, Makassar
    Master of Science (MSi.) in Business Management
     
  • Universitas  Hasanuddin, Makassar
    Bachelor of Economics in Economics

Experiences

Deputy President Commissioner / Independent - PT Bank Tabungan Negara (Persero), Tbk
March 2021 – Present

Commissioner - PT Bank Mandiri Taspen
March 2020 – March 2021

Commissioner - PT Pemeringkat Efek Indonesia
March 2020 – March 2021

 

Andin Hadiyanto
Commissioner
 

Andin Hadiyanto

Commissioner

Place, year of birth: Wonosobo, 1965
 

Educational Background

  • Nagoya University - Graduate School of International Development
    Doctor of Philosophy (PhD)
  • Nagoya University - Graduate School of International Development
    Magister Master (MA)
  • Gadjah Mada University - Economics of Development Studies
    Bachelor

Career Journey

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 - present

Director General of Treasury - Ministry of Finance
2019 - present

International Macroeconomic and Finance Expert Staff - Ministry of Finance
2018-2019

Ahdi Jumhari Luddin
Commissioner Independent

Ahdi Jumhari Luddin

Independent Commissioner

Place, year of birth : Bandung, 1954
 

Educational Background

  • University of Illinois - Policy Economics
    Master
  • University of Indonesia - Economic
    Bachelor

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 –present

Independent Commissioner - PT Bank DKI
2015 - 2018

Director of Law and Compliance - PT Bank Negara Indonesia (Persero) Tbk
2010 - 2015

Director of Compliance and Risk Management - PT Bank Negara Indonesia (Persero) Tbk
2008 - 2010

Armand B. Arief
Commissioner Independent

Armand B. Arief

Komisaris Independen

Tempat, tahun lahir : Tanjung Enim, 1952
 

Riwayat Pendidikan

  • Suffolk University, Boston Massachusetts, USA - Business Magister Administration
    Master
  • Curry College, Milton Massachusetts, USA - Business Administration
    Sarjana

Perjalanan Karir

Komisaris Independen - PT Cardig Aero Services Tbk
2021 – saat ini

Komisaris Independen - PT Bank Tabungan Negara (Persero), Tbk
2019 – saat ini

Komisaris/Senior Consultant - Dunamis Organization Services
2016 – 2019

Anggota Panel Interviewer - OJK
2016 – 2017

Komisaris Independen - PT Bank Royal Indonesia
2017 – 2018

Presiden Direktur - PT Bank UOB Indonesia
2007 – 2015

Wakil Presiden Direktur  - PT Bank International Indonesia
2002 – 2007

 

Herry Trisaputra Zuna
Commissioner *

Herry Trisaputra Zuna

Commissioner*

Place, year of birth : Palembang, 1967
 

Education History

  • University of Indonesia - Civil Engineering
    Doctor
  • Bandung Institute of Technology - Highway Systems and Engineering
    Master
  • Padjajaran University - Management
    Bachelor
  • Bandung Institute of Technology - Civil Engineering
    Bachelor

Career Journey

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2022 – now

Director General of Public Works and Housing Infrastructure Financing - Ministry of PUPR
2021 - present

Director of Strategy Development for Financing Implementation, Directorate General of Public Works and Housing Infrastructure Financing - Ministry of PUPR
2019-2021

Head of the Indonesian Toll Road Regulatory Agency (BPJT) - Ministry of PUPR
2015-2019

Commissioner - PT Wijaya Karya Beton Tbk
2017-2019

 

*Effective after obtaining approval from the Financial Services Authority for the fit and proper test test)

Himawan Arief Sugoto
Commissioner

Himawan Arief Sugoto

Commissioner*

Place, year of birth : Solo, 1963
 

Education History

  • -
    -
  • -
    -

Career Journey

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2022 – now

Commissioner - PT Rajawali Nusantara Indonesia {Persero)
2020- 2021

President Director
- Perum Perumnas
2007-2021

*Effective after obtaining approval from the Financial Services Authority for the fit and proper test test)

 

Sentot A Sentausa
Commissioner Independent *

Sentot A Sentausa

Independent Commissioner*

Place, year of birth: Jakarta, 1957
 

Educational background

  • Monash University - Business Administration
    Magister
  • Universitas Padjajaran - Statistics
    Bachelor

Career Journey

Independent Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2022 – present

President Commissioner
- Mandiri lnhealth
2016-2019

Distribution Director
- PT Bank Mandiri (Persero) Tbk
2015-2016

Director
- PT Bank Mandiri (Persero) Tbk
2006-2014

Coordination Risk Management
- PT Bank Mandiri (Persero) Tbk
2005-2006

 

*Efektif setelah memperoleh persetujuan Otoritas Jasa Keuangan atas Uji Kemampuan dan Kepatutan (fit and proper test)

Heru Budi Hartono
Commissioner

Heru Budi Hartono

Commissioner

Place, year of birth: Medan, 1965
 

Educational Background

  • S2 Universitas Krisnadwipayana
    Master of Science in Management
  • S1 Universitas Krisna Dwipayana
    Bachelor of Economic

 

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 - saat ini

Head of Presidential Secretariat - Kementerian Sekretaris Negara
2017 – saat ini

Commissioner - PT Bank DKI
2015 - 2018

Head of the DKI Jakarta Regional Asset Financial Management Agency
2015 – 2017

President Commissioner - PT Delta Djakarta Tbk
2014-2016

Mayor of North Jakarta
2014 – 2015

Head of DKI Jakarta KDH and KLN Bureau
2013 – 2014

 

Directors

The Board of Directors was appointed at the Annual General Meeting of Shareholders (AGMS) on March 2, 2022. To view detailed information on the GMS, please visit the Investor Relations page.

Haru Koesmahargyo
President Director

Haru Koesmahargyo

President Director

Place, year of birth: Jakarta, 1966
 

Educational Background

  • Emory University, Atlanta, USA
    Master of Business Administration in lnvesment Banking
     
  • Universitas Brawijaya
    Bachelor of Technology in Agricultural industry

 

Experiences

President Director - PT Bank Tabungan Negara (Persero), Tbk
March 2021 –Present

Director of Finance - PT Bank Rakyat Indonesia (Persero), Tbk
March 2017 - January 2021

Director of Finance (and Treasury) - PT Bank Rakyat Indonesia (Persero), Tbk
March 2015 - March 2017

President Commissioner - PT BTMU-BRI Finance
September 2014- March 2015

 


Nixon L.P. Napitupulu
Deputy President Director

Nixon L.P. Napitupulu

Deputy President Director

Place, year of birth: Medan, 1969
 

Educational Background

  • Universitas Sumatera Medan
    Bachelor of Economics / Accounting

 

Experiences

Deputy President Director - PT Bank Tabungan Negara (Persero), Tbk
March 2021 – Present

Director of Finance, Planning & Treasury
- PT Bank Tabungan Negara (Persero), Tbk
November 2019 - March 2021

Director of Collection & Asset Management concurrently Director of Finance, Treasury & Strategy
- PT Bank Tabungan Negara (Persero), Tbk
May 2019- November 2019

Director of Collection & Asset Management
- PT Bank Tabungan Negara (Persero), Tbk
March 2018 - May 2019

Director of Collection, Asset Management & Legal
- PT Bank Tabungan Negara (Persero), Tbk
March 2017- March 2018

 


Hirwandi Gafar
Consumer Director

Hirwandi Gafar

Consumer Director

Place, year of birth: Padang, 1968
 

Education History

  • Bandung Institute of Technology - Bachelor of Civil Engineering
    1987 – 1992

Career Journey

Consumer Director - PT Bank Tabungan Negara (Persero), Tbk
March 2022 – now

Director of Consumer and Commercial Lending - PT Bank Tabungan Negara (Persero), Tbk
November 2019 – March 2022

Commercial Lending Division Head - PT State Savings Bank (Persero), Tbk
November
2019 – November 2019

Subsidized Mortage Lending Division Head - PT Bank Tabungan Negara (Persero), Tbk< span="">
March 2014 – November 2019

Business Dev Subsidized Mortage Department Head - PT State Savings Bank< span=""> (Persero), Tbk
July
2013March 2014

Non Subsidized Mortgage Officer - PT State Savings Bank (Persero), Tbk
January 2011 – July 2013

Manager - PT State Savings Bank (Persero), Tbk
April 2010
January 2011

 

 

Nofry Rony Poetra
Finance Director

Nofry Rony Poetra

Finance Director

Place, year of birth: Jakarta, 1968
 

Educational Background

  • The George Washington University
    Masters Degree in Economics / MBA in Business
  • Universitas Pancasila
    Bachelor of Economics

 

Experiences

Director of Finance - PT Bank Tabungan Negara (Persero) Tbk
March 2022 - present

Director of Finance, Planning and Treasury
- PT Bank Tabungan Negara (Persero) Tbk
March 2021 - March 2022

Treasury Division Head
- PT Bank Tabungan Negara (Persero) Tbk
June 2015 - March 2021

PLT Head of Regional Office Region 1
- PT Bank Tabungan Negara (Persero) Tbk
January 2015 - May 2015

Treasury Division Head
- PT Bank Tabungan Negara (Persero) Tbk
April 2014 - December 2014

Eko Waluyo
Director of Human Capital, Compliance & Legal

Eko Waluyo

Director of Human Capital, Compliance & Legal

Place, year of birth : Temanggung, 1971
 

Education History

  • University of Kentucky - Gatton College of Business I Finance Management
    Master of Business Administration (shortcourse program in cooperation with MM UGM)
  • Gadjah Mada University - Management
    Master
  • Gadjah Mada University - Accounting
    Bachelor

Experiences

Director of Human Capital, Compliance & Legal - PT Bank Tabungan Negara (Persero) Tbk
March 2022 – now 

Director of Compliance & Legal - PT Bank Tabungan Negara (Persero) Tbk
March 2021 –March 2022

Human Capital Management Division Head - PT Bank Tabungan Negara (Persero) Tbk
January 2019 - March 2021

Human Capital Management & Culture Specialist Division Head - PT Bank Tabungan Negara (Persero) Tbk
June 2017- January 2019

Human Capital Division Head - PT Bank Tabungan Negara (Persero) Tbk
May 2017

Elisabeth Novie Riswanti
Director of Asset Management
 

Elisabeth Novie Riswanti

Director of Assets Management

Place, year of birth: Surabaya, 1967
 

Education History

  • Gadjah Mada University - Law/Civil Law
    1986 – 1991

Experiences

Director of Assets Management - PT Bank Tabungan Negara (Persero) Tbk
March 2022 - now

Director of Wholesale Risk and Asset Management - PT Bank Tabungan Negara (Persero) Tbk
March 2021 - March 2022

Director of Remedial and Wholesale Risk - PT Bank Tabungan Negara (Persero) Tbk
November 2019- March 2021

Director of Collection and Asset Management - PT Bank Tabungan Negara (Persero) Tbk
August 2019 - November 2019

Pjs Small & Medium Lending Division Head - PT Bank Tabungan Negara (Persero) Tbk
May 2015 - September 2015

Andi Nirwoto
IT and Digital Director

Andi Nirwoto

IT & Digital

Place, year of birth: Purbalingga, 1970
 

Education History

  • University of Lexington, Kentucky, USA - Master of Business Administration (Finance)
    1994 – 1997
  • Gadjah Mada University - Teknik
    1988 – 1994

Career Journey

IT & Digital - PT Bank Tabungan Negara (Persero), Tbk
March 2022 –present

Director of Operations, IT and Digital Banking  - PT Bank Tabungan Negara (Persero), Tbk
March 2018 – March 2022

General Manager Operational Information Technology - PT Bank Negara Indonesia (Persero), Tbk
July 2017 – March 2018

General Manager Solution & IT Security - PT Bank Negara Indonesia (Persero), Tbk
November 2015 – July 2017

General Manager Information Technology Division - PT Bank Negara Indonesia (Persero), Tbk
October 2014 – November  2015

Deputy General Manager Information Technology Division (Application Development ) - PT Bank Negara Indonesia (Persero), Tbk
December 2009 – October 2014

Assistant Vice Presidents Channel Development - PT Bank Negara Indonesia (Persero), Tbk
April 2009 – December 2009
Jasmin
Director of Distribution and Funding

Jasmin

Director of Distribution and Funding

Place, year of birth : Grobogan, 1964
 

Educational Background

  • Gadjah Mada University - International Business
    Master
  • Gadjah Mada University - Economics
    Bachelor

Experiences

Distribution and Funding Director - PT Bank Tabungan Negara (Persero) Tbk
March 2022 - now

Director of Distribution and Retail Funding
- PT Bank Tabungan Negara (Persero) Tbk
November 2019 - March 2022

Senior Executive Vice President Consumer & Transaction
- PT Bank Mandiri (Persero) Tbk
2018 - 2019

Regional CEO IV/JKT 2
- PT Bank Mandiri (Persero), Tbk
2015 – 2018

Regional Manager IV-JKT
- PT Bank Mandiri (Persero), Tbk
2013 – 2015

Setiyo Wibowo
Risk Management Director

Setiyo Wibowo

Risk Management Director

Place, year of birth: Kudus, 1977
 

Education History

  • KDI School of Public Policy and Management - Master of Business Administration in Finance & Banking
    2008 – 2009
  • Institut Teknologi Bandung - Bachelor of Electrical Engineering
    1995 - 1999

 

Career Journey

Risk Management Director - PT Bank Tabungan Negara (Persero), Tbk
March 2022 - present

Risk Management Director - PT Bank Tabungan Negara (Persero), Tbk
March 2021 - March 2022

Director of Risk Management and Transformation - PT Bank Tabungan Negara (Persero), Tbk
March 2021 - present

Director of Enterprise Risk Management, Big Data & Analytics - PT Bank Tabungan Negara (Persero), Tbk
November 2019 - March 2021

Group Head Consumer Credit Risk & Analytics - PT Bank Mandiri (Persero), Tbk
October 2018 – November 2019

Group Head Credit Portfolio Risk - PT Bank Mandiri (Persero), Tbk
January 2017 – October 2018

Group Head Consumer Deposit - PT Bank Mandiri (Persero), Tbk
January 2015 –
January 2017

 

Corporate Secretary

Ari Kurniaman
Corporate Secretary

Ari Kurniaman

Corporate Secretary

Place, year of birth : 1972
 

Education History

  • Padjajaran University, Bandung
    Bachelor of Law
     

Career Journey

Corporate Secretary - PT Bank Tabungan Negara (Persero), Tbk
March 2020 – now

Head of Jakarta Cawang Branch - PT Bank Tabungan Negara (Persero), Tbk
2019 – 2020

Deputy Service Manager Bandung Branch Office - PT Bank Tabungan Negara (Persero), Tbk
2019 – 2020

Department Head at Legal Division - PT Bank Tabungan Negara (Persero), Tbk
2017 - 2019

Auditor

Hertanta
Head of Internal Audit

Hertanta, 54 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 Maret 8th, 2019 based on Board of Directors’ Decision Letter regarding Employee Rotation/Promotion.

Educational Background:

  • Formal Education:
    • Master Degree in Economics from Universitas Padjadjaran, Bandung in 2005
    • Master Degree in Economics from University of Arkansas, Arkansas in1997
    • Bachelor Degree in Agriculture from Institut Pertanian Bogor, Bogor in1988
       
  • Non Formal Education:  
    • Workshop Understanding ISO 9001 : 2015 held by PT.Mitra Kualitas Utama, Jakarta in 2019

    • The 2019 ECIIA Conference & On-Site Learning held by IIA, Luxemburg in 2019

    • Nasional Internal Audit Seminar 2019 held by Yayasan Pendidikan Internal Audit, Palembang in 2019

    • Pelatihan Pra Purnabhakti held by PT. Bintang Ciba Kreasi, Bali in 2019

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 1987 and her latest position was as the Head of Human Capital Strategy Division dan Kepala HC Organiz Development & Policy Division (2018- 2019) PT Bank Tabungan Negara (Persero) Tbk.

 

 

Purwantono, Sungkoro dan Surja
Auditor

Audit Committee

Iqbal Latanro
Chairman

Iqbal Latanro

Chairman of the Audit Committee
Deputy President Commissioner / Independent

Place, year of birth : Ujung Pandang, 1958
 

Educational Background

  • Universitas  Hasanuddin, Makassar
    Master of Science (MSi.) in Business Management
     
  • Universitas  Hasanuddin, Makassar
    Bachelor of Economics in Economics.

Experiences

Deputy President Commissioner / Independent - PT Bank Tabungan Negara (Persero), Tbk
March 2021 – Present

Commissioner - PT Bank Mandiri Taspen
March 2020 – March 2021

Commissioner - PT Pemeringkat Efek Indonesia
March 2020 – March 2021

Ahdi Jumhari Luddin
Member

Ahdi Jumhari Luddin

Audit Committee Member
Independent Commissioner

Place, year of birth : Bandung, 1954
 

Educational Background

  • University of Illinois - Policy Economics
    Master
  • University of Indonesia - Economic
    Bachelor

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 –present

Independent Commissioner - PT Bank DKI
2015 - 2018

Director of Law and Compliance - PT Bank Negara Indonesia (Persero) Tbk
2010 - 2015

Director of Compliance and Risk Management - PT Bank Negara Indonesia (Persero) Tbk
2008 - 2010

Andin Hadiyanto
Member

Andin Hadiyanto

Audit Committee Member
Commissioner

 Place, year of birth: Wonosobo, 1965

Educational Background

  • Nagoya University - Graduate School of International Development
    Doctor of Philosophy (PhD)
  • Nagoya University - Graduate School of International Development
    Magister Master (MA)
  • Gadjah Mada University - Economics of Development Studies
    Bachelor

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 - present

Director General of Treasury - Ministry of Finance
2019 - present

International Macroeconomic and Finance Expert Staff - Ministry of Finance
2018-2019

Adi Prakoso
Member

Adi Prakoso

Audit Committee Member

Place, year of birth: Jakarta, 1965
 

Education History

  • Padjajaran University, Bandung
    Bachelor Accounting

 

Career Journey

Audit Committee Member - PT Bank Tabungan Negara (Persero), Tbk

 

2018 - until now

Chairman of Internal Audit - PT. PANN Maritime Finance (Subsidiary of State-Owned Enterprises)

2013 - 2018

Team Leader in Counterpart Relations - Internal Audit Directorate - PT. Bank Mandiri (Persero) Tbk
2012-2013

Peter Eko Budi Darwito
Member

Peter Eko Budi Darwito

Audit Committee Member

Place, year of birth: Sukoharjo, 1963
 

Education History

 

  • Bogor Agricultural University
    Master in Agribusiness Management
  • Sebelas Maret University - Surakarta
    Bachelor of Agriculture

 

Career Journey

Audit Committee Member

PT Bank Tabungan Negara (Persero), Tbk
2020 - now


Head of Internal Audit for BRI Jayapura Region

PT Bank Rakyat Indonesia , Tbk
2018 - 2019

 

Deputy Head of BRI Special Branch Office

PT Bank Rakyat Indonesia , Tbk
2015 - 2018

 


Sentot A Sentausa
Member*

Sentot A Sentausa

Commissioner Independent

Place, year of birth : -
 

Educational Background

  • -
    -
  • -
    -

Experiences

Commissioner Independent - PT Bank Tabungan Negara (Persero), Tbk
2022 – present

*Effective after obtaining the Financial Services Authority's approval for a fit and proper test<>

Risk Monitoring Committee

Armand B. Arief
Chairman

Armand B .Arif

Chairman of the Risk Monitoring Committee
Independent Commissioner

Place, year of birth : Tanjung Enim, 1952
 

Education History

  • Suffolk University, Boston Massachusetts, USA - Business Masters Administration
    Master
  • Curry College, Milton Massachusetts, USA - Business Administration
    Bachelor

Career Journey

Independent Commissioner - PT Cardig Aero Services Tbk
2021 – now

Independent Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 – now

Commissioner/Senior Consultant - Dunamis Organization Services
2016 – 2019

Interviewer Panel Member - OJK
2016 – 2017

Independent Commissioner - PT Bank Royal Indonesia
2017 – 2018

President Director - PT Bank UOB Indonesia
2007 – 2015

Vice President  - PT Bank International Indonesia
2002 – 2007

 

Eko D. Heripoerwanto
Member

 

Eko D. Heripoerwanto

Remuneration and Nomination Committee Member
Commissioner

Place, year of birth : Blitar, 1961
 

Educational Background

  • Institut Pertanian Bogor - Natural and Environmental Resource Management
    Doktor
  • Universitas Pennsylvania - Master in City Planning
    Magister
  • Institut Teknologi Bandung - Teknik Planologi
    Sarjana

 

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 – saat ini

Direktur Perencanaan dan Pembiayaan Perumahan - Kementerian PUPR
2016 - 2019

AsDep Evaluasi Perumahan Swadaya - Kementerian PUPR
2013 - 2015

Ignace Widiatmoko
Member

Ignace Widiatmoko

Risk Monitoring Committee member

Place, year of birth : Probolinggo, 1960
 

Education History

  • Singapore College of Insurance, Jakarta-Singapore
    Chartered Financial Consultant & Diploma in Financial Planning
  • Rutgers University, Newark Graduate School of Management, New Jersey USA
    MBA

Career Journey

Risk Monitoring Committee member - PT Bank Tabungan Negara (Persero), Tbk
2021 – now

Risk Monitoring Committee and Audit Committee - Bank Victoria International Tbk
2021 

Risk Monitoring Committee - Industrial Commercial Bank of China Indonesia (ICBC)
2018 – 2021

Risk Monitoring Committee and Audit Committee - Rabobank International Indonesia (RII)
2018 – 2021

Managing Director - PT. Exim Bank and Commissioner Building of PT. Dress To Advance
2015 – 2018

VP of Risk Management Directors - PT Bank Mandiri Tbk
2007 – 2015

 

Pamuji Gesang Raharjo
Member

Pamuji Gesang Raharjo

Risk Monitoring Committee member

Place, year of birth : Jakarta, 1968
 

Education History

  • Bogor Agricultural University
    Doctors, Business & Management
  • University of Indonesia, Economics and Business
    Master Management (MM, Risk Management
  • University Prof. Dr. Moestopo (Religious)
    Bachelor of Economics, Management

Career Journey

Risk Monitoring Committee Member - PT Bank Tabungan Negara (Persero), Tbk
2021 – now

Audit Committee Member - PT Bank Rakyat Indonesia (Persero), Tbk
2016 - 2021

Risk Monitoring Committee Member - PT Bank Rakyat Indonesia (Persero), Tbk
2007 - 2010 and 2011 – 2016

Executive Director - Risk Management Center Indonesia
2009 – 2011

Herry Trisaputra Zuna
Member *

Herry Trisaputra Zuna

Risk Monitoring Committee Member*
Commissioner*

Place, year of birth : Palembang, 1967
 

Education History

  • University of Indonesia - Civil Engineering
    Doctor
  • Bandung Institute of Technology - Highway Systems and Engineering
    Master
  • Padjajaran University - Management
    Bachelor
  • Bandung Institute of Technology - Civil Engineering
    Bachelor

Career Journey

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2022 – now

Director General of Public Works and Housing Infrastructure Financing - Ministry of PUPR
2021 - present

Director of Strategy Development for Financing Implementation, Directorate General of Public Works and Housing Infrastructure Financing - Ministry of PUPR
2019-2021

Head of the Indonesian Toll Road Regulatory Agency (BPJT) - Ministry of PUPR
2015-2019

Commissioner - PT Wijaya Karya Beton Tbk
2017-2019

 

*Effective after obtaining approval from the Financial Services Authority for the fit and proper test test)

Himawan Arief Sugoto
Member *

Himawan Arief Sugoto

Risk Monitoring Committee Member*

Place, year of birth : -
 

Educational Background

  • -
    -
  • -
    -

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2022 – present

*Effective after obtaining the Financial Services Authority's approval for a fit and proper test<>

Remuneration and Nomination Committee

Chandra Hamzah
Chairman

Chandra Hamzah

Commissioner Independent
Chairman of the Remuneration and Nomination Committee

Place, year of birth: Jakarta, 1967
 

Educational Background

  • Universitas Indonesia - Law Major
    Bachelor Degree

 

Experiences

Commissioner Independent - PT Bank Tabungan Negara (Persero), Tbk
November 2019 – Present

President Commissioner - PT Perusahaan Listrik Negara (Persero)
2014 - 2015

Chairman / Deputy Chair Komisi Pemberantasan Korupsi (KPK)
2007 - 2011

Partner of Assegaf Hamzah & Partners Law Firm
2001 - saat ini

 

 

Iqbal Latanro
Member

Iqbal Latanro

Remuneration and Nomination Committee Member
Vice President Commissioner / Independent

Place, year of birth : Ujung Pandang, 1958
 

Educational Background

  • Universitas  Hasanuddin, Makassar
    Master of Science (MSi.) in Business Management
     
  • Universitas  Hasanuddin, Makassar
    Bachelor of Economics in Economics

Experiences

Deputy President Commissioner / Independent - PT Bank Tabungan Negara (Persero), Tbk
March 2021 – Present

Commissioner - PT Bank Mandiri Taspen
March 2020 – March 2021

Commissioner - PT Pemeringkat Efek Indonesia
March 2020 – March 2021

 

Ahdi Jumhari Luddin
Member

Ahdi Jumhari Luddin

Remuneration and Nomination Committee Member
Independent Commissioner

Place, year of birth : Bandung, 1954
 

Educational Background

  • University of Illinois - Policy Economics
    Master 
  • University of Indonesia - Economic
    Bachelor

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 –present

Independent Commissioner - PT Bank DKI
2015 - 2018

Director of Law and Compliance - PT Bank Negara Indonesia (Persero) Tbk
2010 - 2015

Director of Compliance and Risk Management - PT Bank Negara Indonesia (Persero) Tbk
2008 - 2010

Armand B. Arief
Member

Armand B .Arif

Members of the Remuneration and Nomination Committee
Independent Commissioner

Place, year of birth : Tanjung Enim, 1952
 

Education History

  • Suffolk University, Boston Massachusetts, USA - Business Masters Administration
    Master
  • Curry College, Milton Massachusetts, USA - Business Administration
    Bachelor

Career Journey

Independent Commissioner - PT Cardig Aero Services Tbk
2021 – now

Independent Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 – now

Commissioner/Senior Consultant - Dunamis Organization Services
2016 – 2019

Interviewer Panel Member - OJK
2016 – 2017

Independent Commissioner - PT Bank Royal Indonesia
2017 – 2018

President Director - PT Bank UOB Indonesia
2007 – 2015

Vice President  - PT Bank International Indonesia
2002 – 2007

 

Andin Hadiyanto
Member

Andin Hadiyanto

Remuneration and Nomination Committee Member
Commissioner

 Place, year of birth: Wonosobo, 1965

 

Educational Background

  • Nagoya University - Graduate School of International Development
    Doctor of Philosophy (PhD)
  • Nagoya University - Graduate School of International Development
    Magister Master (MA)
  • Gadjah Mada University - Economics of Development Studies
    Bachelor

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 - present

Director General of Treasury - Ministry of Finance
2019 - present

International Macroeconomic and Finance Expert Staff - Ministry of Finance
2018-2019

Heru Budi Hartono
Member

Heru Budi Hartono

Remuneration and Nomination Committee Member
Commissioner

Place, year of birth: Medan, 1965
 

Educational Background

  • S2 Universitas Krisnadwipayana
    Master of Science in Management
  • S1 Universitas Krisna Dwipayana
    Bachelor of Economic

 

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 - saat ini

Head of Presidential Secretariat - Kementerian Sekretaris Negara
2017 – saat ini

Commissioner - PT Bank DKI
2015 - 2018

Head of the DKI Jakarta Regional Asset Financial Management Agency
2015 – 2017

President Commissioner - PT Delta Djakarta Tbk
2014 - 2016

Mayor of North Jakarta
2014 – 2015

Head of DKI Jakarta KDH and KLN Bureau
2013 – 2014

 

Sentot A Sentausa
Member*

Sentot A Sentausa

Remuneration and Nomination Committee Member
Independent Commissioner*

Place, year of birth : -
 

Educational Background

  • -
    -
  • -
    -

Experiences

Commissioner Independent - PT Bank Tabungan Negara (Persero), Tbk
2022 – present

*Effective after obtaining approval from the Financial Services Authority for the fit and proper test

Eko D. Heripoerwanto
Member

 

Eko D. Heripoerwanto

Commissioner
Remuneration and Nomination Committee Member

Place, year of birth : Blitar, 1961
 

Educational Background

  • Institut Pertanian Bogor - Natural and Environmental Resource Management
    Doktor
  • Universitas Pennsylvania - Master in City Planning
    Magister
  • Institut Teknologi Bandung - Teknik Planologi
    Sarjana

 

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2019 – saat ini

Direktur Perencanaan dan Pembiayaan Perumahan - Kementerian PUPR
2016 - 2019

AsDep Evaluasi Perumahan Swadaya - Kementerian PUPR
2013 - 2015

Moch Amin Nurdin
Member

Moch Amin Nurdin

Remuneration and Nomination Committee Member

Place, year of birth: Tegal, 1973
 

Education History

  • University of Mercu Buana - Management
    Masters
  • PPM Graduate School - Management
    Masters
  • Diponegoro University - Business Administration
    Bachelor

 

Career Journey

Member of the Remuneration and Nomination Committee- PT Bank Tabungan Negara (Persero), Tbk
2021 - present

Chairman - LPK LPPI
2020 –2021

Training and Marketing Division Head - LPK LPPI
2020 –2021

Research and Program Dev. Manager - LPK LPPI
2018 - 2020

Marketing and Operations Head - PT Karya Sakti Sejahtera
2008
Herry Trisaputra Zuna
Member*

Herry Trisaputra Zuna

Remuneration and Nomination Committee Member
Commissioner*

Place, year of birth : -
 

Educational Background

  • -
    -
  • -
    -

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2022 – present

*Effective after obtaining approval from the Financial Services Authority for the fit and proper test

Himawan Arief Sugoto
Member*

Himawan Arief Sugoto

Remuneration and Nomination Committee Member
Commissioner*

Place, year of birth : -
 

Educational Background

  • -
    -
  • -
    -

Experiences

Commissioner - PT Bank Tabungan Negara (Persero), Tbk
2022 – present

*Effective after obtaining approval from the Financial Services Authority for the fit and proper test

Rahmayati
Ex Officio Member

Rahmayati, was appointed as an ex-officio Member of the Remuneration and Nomination Committee of PT. Bank Tabungan Negara (Persero) Tbk by the Board of Commissioners.

Dewan Pengawas Syariah

Prof. Dr. H. Muhammad Quraish Shihab, MA
Head of Dewan Pengawas Syariah

 

Prof. Dr. H. Muhammad Quraish Shihab, MA

Chairman of the Sharia Supervisory Board

Place, year of birth : Rappang, 1944

 

Educational Background

  • Al-Azhar University, Cairo
    Doctoral degree
  • Al-Azhar University, Cairo
    Magister degree
  • Al-Azhar University, Cairo
    Bachelor degree

Experiences

  • Chairman of the Sharia Supervisory BoardPT Bank Tabungan Negara (Persero), Tbk
    March 2019 –present

  • Director of Ulama Cadre - Majelis Ulama Indonesia
    1994-1997

  • Members of the Pentashih Al-Qur'an - Kementrian Agama
    1989 - present

  • Chairman of the UUS DPS - CIMB Niaga
    2004 - present

 





Mohammad Bagus Teguh Perwira, L.C., M.A
Member of Dewan Pengawas Syariah

Mohamad Bagus Teguh Perwira, L.C, M.A

Sharia Supervisory Board*

Place, year of birth: Pekalongan, 1978
 

Educational Background

  •  UIN Syarif Hidayatullah, Jakarta
    Master Degree, Program Studi Ekonomi Islam
  • Universitas Al- Azhar, Kairo
    Bachelor Degre, Dirasat Islamiyah wal Arabiyah

Experiences

  • Sharia Supervisory Board* - PT Bank Tabungan Negara (Persero), Tbk
    Maret 2021 – saat ini
  • Management of the Capital Market Daily Executing Agency - Dewan Syariah Nasional Majelis Ulama Indonesia
    Januari 2015 - Desember 2020
  • Sharia Supervisory Board Members - PT OCBC NISP Tbk
    Oktober 2009
  • Sharia Supervisory Board Members - PT Schroder Investment Management Indonesia
    Maret 2009

 

(*) Effective after obtaining approval from the Financial Services Authority for the fit and proper test

 


Muhammad Gunawan Yasni, SE.Ak., MM, CIFA, FIIS, CRP, CA
Member of Dewan Pengawas Syariah
.

Organization Structure

Company Identities

 

Primary Configuration:

 

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Secondary Configuration:

 

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Secondary Configuration 2:

 

 

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