During the January-September 2025 period, PT Bank Tabungan Negara (Persero) Tbk, or BTN, recorded a net interest income of IDR 12.76 trillion.
The income of this issuer, coded BBTN, surged by 43.5% compared to January-September last year (year-on-year/yoy).
Concurrently, BTN's net profit until the end of Q3 2025 increased by 10.6% (yoy) to IDR 2.3 trillion, as shown in the chart.
"BTN once again recorded a net profit in Q3 2025 thanks to our consistent efforts in maintaining business growth, especially in housing sector financing and diverse financial transactions," said BTN President Director Nixon LP Napitupulu in a press release on Thursday (23/10/2025).
As of September 2025, BTN's total credit and financing disbursement grew by 7% (yoy) to IDR 381.03 trillion.
Housing loan disbursement, which is BTN's main focus, grew by 6.4% (yoy) to IDR 322.53 trillion.
Meanwhile, non-housing loans grew by 10.7% (yoy) to IDR 58.49 trillion.
BTN's housing loan growth was primarily supported by the disbursement of subsidized mortgages or FLPP, which increased by 8% (yoy) to IDR 186.58 trillion.
Meanwhile, non-subsidized mortgages grew by 7.3% (yoy) to IDR 111.33 trillion.
"The government's decision to increase the quota for the Housing Financing Liquidity Facility (FLPP) to 350,000 units this year, and the allocation for BTN of 220,000 units, supported the growth of subsidized credit and financing at BTN," said Nixon.