25 July 2013


Jakarta, July 24 2013 - Focused and consistently serving the low-income market segment as well as micro and small enterprises, including productive poor communities (mass market), PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) continues to record positive performance.

According to the Bank’s President Director, Jerry Ng, the success in BTPN’s growth performance over the last few years is a result of its strategy that integrates the Bank’s business and social mission. "In line with our inclusive financial initiatives, BTPN continues to develop a business that is specifically designed to meet the banking needs of the mass market segment. BTPN not only opens up access to finance, but also offers Daya program, which provides training and assistance to improve the capacity of our customers to better run their business, " said Jerry.

During 1st semester 2013, Daya has reached 697,885 beneficiaries. This number increased 31.7% compared to 1st semester 2012, which recorded 529,991 beneficiaries. The number of Daya activities held during 1st semester this year also rose 83.6%, from 22,034 activities during the first six months of 2012 to 40,456 activities. "We are confident, that our Daya program which we offer consistently and regularly in almost all BTPN branches, will certainly have a positive impact on the improvement of our customers’ capacity, so that their business will grow. If our customer prospers, of course, we will also grow," said Jerry.

The result of our commitment is reflected in the 1st semester 2013 performance. Loan disbursements grew 27% (year-on-year/yoy) from IDR34.4 trillion in June 30, 2012 to IDR43.6 trillion as of June 30, 2013. The rise in financial intermediation is still balanced by sticking to prudent lending principles, which is reflected in the net non-performing loan (NPL) ratio of 0.39% at end-June 2013, lower than the NPL at end-June 2012, which was at 0.43%.

BTPN’s focus in serving the mass-market segment is increasingly getting the attention and trust of our community. This is evident from

the growth in third-party funding (TPF). Through BTPN sinaya, the amount of public deposits grew by 19% (yoy) from IDR40.0 trillion in June 30, 2012 to IDR47.7 trillion as of June 30, 2013. "People believe that by saving their money in BTPN sinaya, in addition to getting an optimal return, they also have the opportunity to contribute in empowering low-income communities as well as micro and small enterprises," said Jerry.

Along with the growth of loans and deposits, BTPN assets grew by 23% (yoy) from IDR52.0 trillion in June 30, 2012 to IDR63.9 trillion as of June 30, 2013. Similarly, net profit after tax (NPAT) grew 28% (yoy) from IDR921 billion by June 30, 2012 to IDR1.2 trillion by June 30, 2013. Meanwhile, as of June 30, 2013, BTPN recorded a capital adequacy ratio (CAR) of 22.7%.

"Going forward, with a CAR of 22.7%, we are confident of having sufficient room to grow. This also allows us to support inclusive financial initiatives through continuous innovations reaching people in remote areas, that have not been touched by banking services," added Jerry.

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.