18 February 2014


Jakarta, 18 February 2014 – With its commitment to serving and empowering the lower income segment of society as well as micro & small enterprise entrepreneurs, including productive poor communities (mass market), PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) continues to show positive performance. Credit disbursement grew healthily in 2013 with a very low non-performing loan (NPL) ratio.

This good performance in 2013 is evidenced by several indicators. As of 31 December 2013, BTPN had recorded credit growth of 19% (year-on-year/yoy) from Rp 38,8 trillion on 31 December 2012 to Rp 46,1 trillion. This rise in credit disbursement continued to be complemented by the application of prudent banking principles, which were reflected in the net NPL ratio of 0,38% at the end of December 2013.

“We are thankful that we were able to continue growing well in the midst of a quite challenging economic situation, particularly in the second semester of 2013. This growth in credit disbursement is also in line with our hopes of creating the fundamentals of a healthy and strong national economy, so that we can help drive good quality and sustainable economic growth,” said Jerry Ng, President Director BTPN.

The condition of the national economy during the second semester of 2013 was overshadowed by high inflation, a rise in the benchmark interest rate, and extremely dynamic global economic developments. Changes to this situation pushed the banking industry to make a number of adjustments, including slowing the pace of credit. “We gladly welcomed the measures taken by regulators and the Government to improve the fundamentals of the economy. We are also optimistic that industry will soon grow once again with even better quality,” Jerry continued.

The success in maintaining a good performance during 2013 was part and parcel of the Bank's strategy to combine its business and social missions in its products and services as well as in its day-to-day activities. This synergy is reflected through Daya, a measured and sustainable training and mentoring program available to all BTPN customers who are composed of pensioners, micro & small enterprise entrepreneurs, as well as productive poor communities.

“To us, our business mission and our social mission form a single inseparable entity. An extension of this is the belief of BTPN that mass market customers not only require financial access but also training and guidance to enhance their business capacities,” said Jerry.

From January to December 2013, the Daya program reached 1,527,134 beneficiaries. This number represented an increase of 27% compared to the same period of the previous year during which there were 1,200,468 beneficiaries. Meanwhile, the number of activities held during 2013 increased by 70% from 53,079 activities the year before to 90,183 activities.

The focus of BTPN in serving the mass market segment is increasingly gaining the attention and trust of the public, as reflected in the rise of third party funds (TPF). Through BTPN Sinaya, the value of public savings grew by 16% (yoy) from Rp 45,1 trillion as of 31 December 2012 to Rp 52,2 trillion as of 31 December 2013.

“The public has confidence that if they save their funds in BTPN Sinaya, in addition to getting an optimal rate of return, they will also have a chance to contribute to the empowerment of lower income communities along with micro & small enterprise entrepreneurs. Through BTPN Sinaya, BTPN offers an opportunity to all savers and depositors to take part in our mission of empowering the millions of people in the mass market in Indonesia,” Jerry concluded.

Supported by the positive growth discussed above, BTPN’s assets recorded growth of 18% (yoy) in 2013 from Rp 59,1 trillion at the end of 2012 to Rp 69,7 trillion. Net profit before tax (NPBT) grew by 15% (yoy) from Rp 2,49 trillion as of 31 December 2012 to Rp 2,87 trillion as of 31 December 2013. Meanwhile, net profit after tax (NPAT) grew by 8% (yoy) from Rp 1,98 trillion as of 31 December 2012 to Rp 2,13 trillion as of 31 December 2013. Furthermore, the bank’s capital adequacy ratio modal (CAR) at the end of 2013 stood at 23,1%, higher than the December 2012 figure of 21,5%.

For further information please contact:


PT Bank BTPN Tbk
Andrie Darusman – Communications & Daya Head
Email: [email protected] or [email protected]


Bank BTPN in brief

PT Bank BTPN Tbk (Bank BTPN) is a foreign exchange bank and is a merger between PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) and PT Bank Sumitomo Mitsui Indonesia (SMBCI) in February 2019. Bank BTPN serves various segments in the banking industry, from retail to corporate customers, including retirees, micro-, small- and medium-sized enterprises (MSME) and productive underprivileged communities; the consuming class segment; and the corporate segment. Bank BTPN provides the services through business units, such as BTPN Sinaya—a business unit for wealth management, BTPN Purna Bakti—a business serving retirees, BTPN Micro Business—a business unit serving microbusinesses, BTPN Business Banking—a business serving small- and medium-sized enterprises, Jenius—a digital banking platform serving the consuming class segment, and the corporate business unit, which serves national, multinational, and Japanese companies. Bank BTPN also has a subsidiary, namely PT Bank BTPN Syariah Tbk, which focuses on serving productive underprivileged customers. Bank BTPN also regularly provides training sessions and information for customers through the Daya Program—a sustainable and measurable empowerment program—to improve customers’ capacity so they can grow and have a chance to live better.