Bank BTN's asset
Bank BTN

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.


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Bank Tabungan Negara (BTN) is an Indonesian state-owned bank that was founded in 1897. With its headquarters located in Jakarta, Indonesia, it operates as a commercial bank and provides a wide range of banking products and services. BTN offers various banking services, including savings accounts, current accounts, time deposit accounts, and loan facilities such as housing loans, vehicle loans, and small and medium enterprise (SME) loans.

It also provides microfinance services to support micro, small, and medium-sized enterprises (MSMEs) in Indonesia. Additionally, the bank offers non-banking services such as electronic channels for banking transactions and mobile banking applications. On a global scale, BTN has not expanded extensively outside of Indonesia, however, it does maintain a presence in several countries through its subsidiaries and partnerships.

One of its key subsidiaries is BTN Syariah, which focuses on providing Islamic banking products and services. BTN also has partnership agreements with various organizations, including the Japan Bank for International Cooperation (JBIC) and the International Finance Corporation (IFC). In terms of market position, BTN is considered one of the leading banks in Indonesia.

It has a strong presence in the mortgage and housing finance sector, with a significant market share in the Indonesian housing finance market. BTN is also recognized for its initiatives to promote affordable housing and has implemented government programs such as the People's Housing Savings Loans (Tapera) program. In recent years, BTN has embarked on several strategic initiatives to support its growth.

These include digital banking enhancements, expansion of its microfinance portfolio, and partnerships with fintech companies to leverage technology in its services. As of the latest available information, BTN continues to strengthen its market position and expand its product and service offerings. The bank remains focused on serving the financial needs of individuals, businesses, and MSMEs, while also supporting the Indonesian government's initiatives for affordable housing


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