BTN Sets Ambitious 2026 Credit Growth Target

Double-Digit Growth Strategy

Bank Tabungan Negara (BTN) is gearing up for an ambitious 10-12% credit growth target in 2026, building on government-backed housing financing initiatives. The state-owned bank is focusing on two key growth drivers: the Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) and Kredit Program Perumahan (KPP) programs ¹

Government-Backed Programs

BTN's CEO Nixon Napitupulu revealed that these government-supported programs will be crucial in achieving the double-digit growth target. FLPP and KPP are expected to significantly contribute to the bank's lending activities next year. The bank remains optimistic about its growth prospects despite the ongoing regulatory review process for its 2026 Business Plan (RBB) ¹

Regulatory Context

While the RBB is still pending approval from the Financial Services Authority (OJK), BTN is confident in its growth projections. The bank's management believes that the current initiatives and government support will provide a solid foundation for achieving the targeted credit growth ²

Market Implications

BTN's ambitious growth target reflects the bank's confidence in the Indonesian housing market and government support for affordable housing initiatives. The success of FLPP and KPP programs will be crucial in determining the bank's ability to achieve its growth projections.