BTN Requests Additional SAL Funds to Boost Lending

Background on SAL Fund Distribution

The Indonesian government, through the Ministry of Finance, has distributed Rp 76 trillion in Saldo Anggaran Lebih (SAL) funds to state-owned banks ¹

. The distribution included major banks such as Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Mandiri, and Bank DKI. Notably, PT Bank Tabungan Negara (BTN) and PT Bank Syariah Indonesia (BSI) were not included in this recent distribution despite receiving SAL funds previously ¹

Source 1

https://keuangan.kontan.co.id/news/bank-tabungan-negara-bbtn-ajukan-tambahan-penempatan-dana-sal

.

BTN's Request for Additional Funds

BTN is now seeking additional SAL funds ranging from Rp 5 to 10 trillion from the government ²

. According to Nixon LP Napitupulu, BTN's CEO, the bank has almost fully utilized the previous Rp 25 trillion SAL fund allocation, with Rp 24.7 trillion already disbursed as of early November 2025 ²

Source 2

https://finance.detik.com/moneter/d-8216102/btn-minta-tambahan-dana-sal-dari-purbaya-rp-10-t

. The remaining amount is expected to be fully utilized soon.

Implications for BTN's Lending Activities

The additional SAL funds requested by BTN will be crucial in supporting its lending activities. As a state-owned bank focused on mortgage lending, BTN's ability to disburse loans is closely tied to its liquidity. The requested funds will help BTN maintain its lending momentum, particularly in the housing sector.