21 February 2013


Jakarta, February 20, 2013 - PT Bank Tabungan Pensiunan Nasional Tbk's (BTPN) commitment to focus on the low-income market as well as micro and small enterprises (mass market) showed increasingly positive results.

Through empowerment program known as Daya, in 2012, the Bank managed to reach 1,200,468 beneficiaries. The amount is increasing by 50% compared to 2011, where BTPN touched 802,069 beneficiaries. The number of Daya activities held during 2012 also grew significantly to 53,079 events, an increase of 104% compared to 2011, which recorded 25,994 activities.

Beneficiaries of Daya program are the Bank's customers, which include pensioners, micro and small entrepreneurs (MSEs), as well as productive poor community.
 " Daya Program is an integral part of our business. Regularly, every month, all of BTPN’s branches hold empowerment programs for their customers. We believe Daya will enhance the capacity and loyalty of our customers. We believe it will give a direct positive impact on the Bank’s sustainability and growth. " said Jerry Ng, President Director of BTPN.
The fruit of our efforts is reflected in the continuous growth performance of the Bank. Throughout 2012, the loan portfolio grew 28% from Rp30.3 trillion in 2011 to Rp38.8 trillion. The significant growth in financial intermediation is kept balanced by following prudent principles. At the end of 2012, asset quality remains strong, as reflected in the ratio of non-performing loans (NPL) of 0.31% (net). In 2011, the Bank's NPL was 0.35% (net).
"We understand that in order to continue empowering and developing the mass market segment in Indonesia, the Bank requires trust and support of community. We are grateful for the public’s rising confidence towards the Bank. It’s reflected through the positive growth of BTPN’s third-party funding (TPF)." Jerry continued. Through the Bank’s funding business unit, BTPN Sinaya, it was reported that by December 31, 2012, the value of public savings at the Bank grew by 27% from Rp35.6 trillion per December 31, 2011 to Rp45.1 trillion.

Supported by this positive performance, the Bank also recorded growth in assets. As of December 31, 2012, total assets reached Rp59, 1 trillion or an increase of 27% compared to December 31, 2011, which were recorded at Rp46.7 trillion. The company's net profit also grew positively, where for 2012 the Bank recorded a net profit of Rp2.0 trillion, up 41.4% over the same period in 2011, which amounted to Rp1.4 trillion. Therefore,  the arnings per share rose Rp94 (38%) from Rp247 to Rp341.

"Based on our business model which combines business and social mission, as well as by staying focus on mass market segment, we are optimistic that we can maintain our growth, especially since we are supported with a strong capital adequacy ratio (CAR) of 21.5% per December 31, 2012." Jerry added.
Currently the Bank has served more than 1.8 million customers, through a network of offices operating online and real time, spreading throughout the country, from Aceh to Papua.

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.