BTN Cuts Bad Loans, Housing Loan NPL Ratio Drops to 2.8%

PT Bank Tabungan Negara (BTN) has successfully lowered its non-performing loan (NPL) ratio for housing loans to 2.8% in the first quarter of 2026, a decrease from 3.0% in the same period of 2025. The bank's overall NPL ratio also saw improvement, dropping to 3.1% by the end of March 2026, down from 3.3% a year prior.

Setiyo Wibowo, BTN's Director of Risk Management, stated that the consumer credit quality is under control and improving amidst economic dynamics. He emphasized that BTN prioritizes not only credit growth but also maintaining the quality of that growth. "BTN does not only focus on credit growth, but also ensures the quality of that growth is optimally maintained," Wibowo said.

This improved financing quality is a result of various transformation initiatives implemented by the company in recent years. Efforts include reinforcing the underwriting process, enhancing verification quality, digitalizing credit processes, leveraging data analytics, and strengthening post-disbursement portfolio management. The development of BTN Loan Factory, an integrated credit processing center, has also played a key role.

This transformation has standardized credit processes, improved the quality of verification and analysis, and accelerated credit decision-making. The digitalization and centralization of processes allow BTN to consistently maintain the quality of new credit while increasing service efficiency for the public. Capital market analyst Razqi M. Kurniawan of Bahana Sekuritas views the improved financing performance as a significant achievement stemming from the Loan Factory's operations, noting that credit quality based on booking year shows a healthier trend.

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BTN does not only focus on credit growth, but also ensures the quality of that growth is optimally maintained.