BTN Strengthens Capital Position with Rp 2 Trillion Shareholder Loan

Capital Enhancement for Business Expansion

PT Bank Tabungan Negara Tbk (BTN) has received a significant Rp 2 trillion Shareholder Loan from PT Danantara Asset Management (Persero) (DAM). This financial support has been classified as Additional Tier 1 (AT1) capital, as per the regulations set by the Financial Services Authority (OJK). The injection is designed to bolster BTN's capital structure, enabling the bank to continue its business expansion, particularly in the housing finance sector.

Strong Capital Adequacy Position

BTN's current Capital Adequacy Ratio (CAR) stands at 18-19%, indicating a healthy capital position. According to Nixon LP Napitupulu, BTN's CEO, this shareholder loan is crucial for maintaining adequate capital to support ongoing credit expansion, especially in the housing sector, which is the bank's primary focus. The loan ensures that BTN can continue to meet the growing demand for housing finance while maintaining its regulatory capital requirements.

Business Expansion Strategy

The additional capital will support BTN's strategic plans to expand its business operations. As a state-owned bank specializing in housing loans, BTN is well-positioned to capitalize on the growing demand in the Indonesian property market. The shareholder loan provides the necessary financial backing to maintain this growth trajectory, ensuring that the bank remains competitive and continues to contribute to the national development agenda through increased access to housing finance.