As a Friend of Indonesian Family

PT Bank Tabungan Negara (Persero) Tbk. has commitment in serving and providing two main products: personal and business

Our Vision

A Key Partner in the Indonesian Families Financial Empowerment

Our Mission

Being the government’s key partner in housing and financial inclusion.
Providing the best customer experience through integrated digital and financial services.
Increasing shareholder value with sustainable profitability growth.
Being a home for Indonesia’s best talents.
Implementing good corporate governance practices and sustainable business innovation for community welfare and environmental sustainability.

Purposes and Objectives of Company

Carry out business in the Banking sector and optimizing the use of existing resources to produce high quality services and strong competitiveness to obtain/pursue profits in order to increase the value of the Company by applying the principles of Limited Liability Companies.

(Article 3 Paragraph 1 of Articles of Association)

Our Functions and Tasks

As a collector and distributor of community funds

(Law No. 7 of 1992 on Banking)

Capital

Authorized Capital IDR 10,239,216,000,000.00 or 20,478,432,000 shares
Subscribed Capital IDR 7,017,222,206,500.00 or 14,034,444,413 shares
Paid-Up Capital IDR 7,017,222,206,500.00 or 14,034,444,413 shares

(Articles of Association, Article 4)

Trust

Uphold the trust given

Competent

Continue to learn and develop capabilities

Harmonious

Caring for each other and respecting differences

Loyal

Dedicated and prioritizing the interests of the nation and state

Adaptive

Continue to innovate and be enthusiastic in moving or facing change

Collaborative

Building synergistic cooperation

Our History

2023

Best Campaign Banking & Finance

Bank BTN won Gold Winner Mob-Ex Awards 2023 in the Best Campaign Banking & Finance category in Asia and Oceania at the Mob-Ex Awards 2023 as proof of public trust in Bank BTN.

1897

PT Bank Tabungan Negara (Persero) Tbk (“Company”) began with the establishment of Postspaarbank.

1897

1942

1950

1963

1974

1989

1994

2002

2009

2021

2023

2024

1897 PT Bank Tabungan Negara (Persero) Tbk (“Company”) began with the establishment of Postspaarbank.

1942 Postspaarbank was taken over by the Japanese Government and changed its name to Tyokin Kyoku or Savings Office.

1950 The Government of the Republic of Indonesia changed the name of Tyokin Kyoku to Bank Tabungan Pos based on Emergency Law No. 9 of 1950 dated February 9, 1950.

1963 The name change of Bank Tabungan Pos to Bank Tabungan Negara was based on Government Regulation in Lieu of Law No. 4 of 1963.

1974 The government appointed the Company as the sole institution to distribute Home Ownership Credit (KPR), in line with the Government Program which is currently promoting a housing program for the people.

1989 On April 29, 1989, the Bank started operating as a state-owned general bank.

1994 In 1994, based on the decision letter of the Board of Directors of Bank Indonesia No. 27/55/KEP/DIR dated 23 September 1994, the Company obtained an operating license as a Foreign Exchange Bank.

2002 The Company obtained an operating license as a Foreign Exchange Bank and subsequently the Company was appointed as a commercial bank focusing on housing financing in 2002.

2009 In 2009, the Company conducted the first mortgage securitization in Indonesia. The Company conducted asset securitization through the recording of Collective Investment Contract - Asset-Backed Securities (KIK-EBA) transactions, then on December 17, 2009 conducted an Initial Public Offering (IPO) and listed on the Indonesia Stock Exchange.

2021 Thanks to the trust of the public and government, we received an award as the 2017 Best Bank in Indonesia at the 2017 VI Indonesian Banking Awards.

2023 Bank BTN won the Gold Winner Mob-Ex Awards 2023 for the Best Campaign Banking & Finance category in Asia and Oceania at the Mob-Ex Awards 2023 as proof of public trust in Bank BTN.

2024 PT Bank Tabungan Negara (Persero) Tbk (BTN) launched a new logo as a symbol of the company's success and commitment in continuing its transformation into a more modern and adaptive bank in facing digitalization.

Business Activity

Housing Loan and Banking

Consumer credit products are divided into four types, namely Subsidized Mortgage, Non-Subsidized Mortgage, Other Housing Loans, and Consumer Credit. Savings products are also divided into three types, namely Checking Accounts, Savings Accounts, and Deposits.

1

Home Ownership Loan

Provides financing services secured by housing or predetermined residences. Mortgages are used by individuals and businesses to make large real estate purchases without paying the entire purchase value upfront.
2

Consumer Loan

Provides services for consumer and personal loan financing used for consumer needs and for the development of the consumer loan business within the housing value chain.
3

Consumer Funding

Provides funding and service products oriented towards individual customers and for the development of wealth management business.

Sharia Business Activities

Financing products are divided into two categories: Sharia Consumer Financing and Sharia Commercial Financing. Funding products are further divided into three categories: Sharia Current Accounts, Sharia Savings Account, and Sharia Deposits.