11 October 2007


Bandung (Admin). InfoBank Magazine has published the results of its research on the 200 best banks in Southeast Asia in October 2007.

The research conducted by Infobank's reseach team has ranked BTPN at the 111th position out of the 200 best banks across Southeast Asia region.

The top five positions were still held by the banks of Singapore, Malaysia, and Thailand. The United Overseas Bank Ltd.-UOB Singapore was ranked first, followed by Singapore's DBS Bank and Overseas Chinese Banking Corporation Ltd.-OCBC. Ranked fourth was Malaysian Banking Berhad-Maybank, followed by Bangkok Bank Public Company, Ltd. on the fifth rank.

This ranking indicates that Indonesian banking sector is able to generate high NIM (Net Interest Margin), despite the inefficient operations. Indonesian banks were ranked first in terms of efficiency as reflected by the ratio of operating expenses to operating income.

Among the nine countries excluding Laos, Indonesian banks generated the ratio of operating expenses to operating income of 73.90%. Meanwhile, the banks in other countries have higher efficiency, such as Singapore (45.14%), Malaysia (49.62%), Vietnam (49.17%), Cambodia (52.60%) and Thailand (66.38%).

Closer to Indonesia's score was the Philippines with the score of 71.72%.

That means, the first step that need to be taken by Indonesian banks is reducing inefficiency, because it would be difficult to rely on net interest income, as interest rates have been to high, unless lending increases. (FDT, source: Infobank October 2007)

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.