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Lapkeu Publikasi BTN_TW I 2026_ENGLISH.pdf
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Page 1
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2026 and December 31, 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS March 31, 2026 December 31, 2025 March 31, 2026 December 31, 2025
(Unaudited) (Audited) (Unaudited) (Audited)
ASSETS
1 Cash 2,083,447 2,032,540 2,224,963 2,154,839
2 Placements with Bank Indonesia 15,520,464 35,499,625 24,261,810 46,727,811
3 Placements with other banks 2,112,233 2,515,779 2,462,427 2,515,971
4 Spot and derivative receivables/forward 12 - 12 -
5 Securities 57,310,186 53,320,577 67,347,549 59,746,562
6 Securities sold under repurchase agreements (Repo) - 413,096 - 413,096
7 Securities purchased under resale agreements (Reverse Repo) 4,209,534 1,683,840 4,209,534 1,683,840
8 Acceptances receivables 993,101 574,901 993,101 574,901
9 Loans 344,124,869 345,702,924 344,124,869 345,702,924
10 Sharia financing - - 56,505,954 54,873,163
11 Investment in share 7,188,001 7,188,001 29 29
12 Others financials assets 13,078,664 12,183,538 13,464,062 12,446,184
13 Allowance for impairment on financial assets -/-
a Securities (378) (52) (378) (52)
b Loans and Sharia financing (14,102,888) (13,959,557) (15,479,744) (15,314,236)
c Others (5,166) (2,171) (5,166) (2,174)
14 Intangible assets 836,929 782,364 1,374,354 1,319,789
Accumulated amortisation for intangible assets -/- (86,500) (58,290) (94,857) (66,521)
15 Premises and equipment 15,818,468 15,714,662 16,051,194 15,950,513
Accumulated depreciation on premises and equipment -/- (5,371,936) (5,253,682) (5,561,616) (5,441,785)
16 Non earning assets
a Abandoned properties 353 353 353 353
b Repossessed assets 77,591 77,591 77,591 77,591
c Suspense account - - - -
d Inter office assets - - - -
17 Other assets 4,663,198 4,046,612 5,586,667 4,430,622
TOTAL ASSETS 448,450,182 462,462,651 517,542,708 527,793,420
Page 2
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2026 and December 31, 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS March 31, 2026 December 31, 2025 March 31, 2026 December 31, 2025
(Unaudited) (Audited) (Unaudited) (Audited)
ASSETS
LIABILITIES AND EQUITY
LIABILITIES
1 Demand deposits 139,720,529 142,343,618 168,808,150 169,242,419
2 Savings deposits 35,625,089 35,205,257 43,304,271 43,884,181
3 Time deposits 188,715,788 201,163,224 210,520,063 224,271,277
4 Electronic money - - - -
5 Fund from Bank Indonesia - - 1,707,402 -
6 Fund from other banks 78,323 96,481 103,527 122,917
7 Spot and derivative liabilities/forward 53 - 53 -
8 Securities sold under repurchase agreements (Repo) - 349,076 - 349,076
9 Acceptances liabilities 993,101 574,901 993,101 574,901
10 Securities issued 5,599,001 5,630,321 5,938,303 5,977,216
11 Fund borrowings 35,900,838 35,181,566 43,782,471 41,491,851
12 Margin deposits received 11,623 10,735 11,665 10,775
13 Inter office liabilities - - - -
14 Other liabilities 5,040,806 5,541,566 5,604,625 5,658,514
15 Minority interest - - 18 18
TOTAL LIABILITIES 411,685,151 426,096,745 480,773,649 491,583,145
EQUITY
16 Share capital
a Authorised capital 10,239,216 10,239,216 10,239,216 10,239,216
b Unpaid-in capital -/- (3,221,994) (3,221,994) (3,221,994) (3,221,994)
c Treasury stock -/- - - - -
17 Additional Paid-in Capital
a Agio 4,712,306 4,712,306 4,418,900 4,418,900
b Disagio -/- - - - -
c Funds for paid-up capital - - - -
d Others - - - -
18 Other comprehensive income
a Gain 3,988,158 3,988,158 3,988,165 4,049,670
b Losses -/- (1,654,482) (1,170,911) (1,658,601) (1,170,911)
19 Reserve
a General reserve 4,621,242 4,621,242 4,621,242 4,621,242
b Appropriated reserve 845,270 845,270 845,270 845,270
20 Retained Earning
a Previous years 16,352,619 13,679,561 16,428,882 13,679,561
b Current year 882,696 3,424,891 1,107,979 3,501,154
c Paid Dividend -/- - (751,833) - (751,833)
TOTAL EQUITY ATTRIBUTABLE TO OWNER 36,765,031 36,365,906 36,769,059 36,210,275
36,765,031 36,365,906 36,769,059 36,210,275
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY 448,450,182 462,462,651 517,542,708 527,793,420
Page 3
STATEMENTS OF INCOME AND OTHER COMPREHENSIVE
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2026 and 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS March 31, 2026 March 31, 2025 * March 31, 2026 March 31, 2025
(Unaudited) (Unaudited) (Unaudited) (Unaudited)
OPERATING INCOME AND EXPENSES
A. Interest Income and Expenses
1 Interest income 6,897,219 8,210,155 8,004,296 8,210,155
2 Interest expenses 3,313,416 4,432,195 3,736,359 4,432,195
Net interest income (Expenses) 3,583,803 3,777,960 4,267,937 3,777,960
B. Operating Income and Expenses Other than Interest
1 Gain (loss) from increase (decrease) in fair value of financial assets 55,974 164,470 55,974 164,470
2 Gain (loss) from decrease (increase ) in fair value of financial liabilities - - - -
3 Gain (loss) from sale of financial assets 106,258 182,273 115,399 182,273
4 Gain (Loss) from spot and derivative transaction/forward (realised) 41,439 73,235 41,439 73,235
5 Gain (Loss) from investment in shares under equity method - - - -
6 Gain (Losses) from foreign currencies translation - - - -
7 Dividend Income - - - -
8 Comissions/provisions/fees and administrative 381,242 359,925 414,570 359,925
9 Other income 263,364 229,913 265,216 229,913
10 Impairment for financial assets 717,889 970,536 845,784 970,536
11 Losses related to operational risk 134 - 134 -
12 Salaries and employee benefits 979,207 1,026,896 1,150,833 1,026,896
13 Promotion expenses 119,738 152,589 131,982 152,589
14 Other expenses 1,476,812 1,491,624 1,597,327 1,491,624
Other Operating Income (Expenses) (2,445,503) (2,631,829) (2,833,462) (2,631,829)
PROFIT (LOSS) FROM OPERATIONS 1,138,300 1,146,131 1,434,475 1,146,131
NON OPERATING INCOME AND EXPENSES
1 Gain (loss) from sale of premises and equipment - 903 - 903
2 Other non operating income (expenses) (39,736) (14,849) (47,087) (14,849)
PROFIT (LOSS) FROM NON OPERATING (39,736) (13,946) (47,087) (13,946)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 1,098,564 1,132,185 1,387,388 1,132,185
Income tax expenses
a Estimated current tax -/- - - (63,541) -
b Deferred tax income (expenses) (215,868) (228,475) (215,868) (228,475)
PROFIT (LOSS) CURRENT PERIOD 882,696 903,710 1,107,979 903,710
PROFIT (LOSS) MINORITY INTEREST - - - -
OTHER COMPREHENSIVE INCOME
1 Unreclassified to profit (loss)
a Gain (loss) from revaluation of premises and equipment - - - -
b Gain (loss) from remeasurement on defined benefit plans 279,629 53,019 280,064 53,019
c Others (53,129) (13,255) (53,209) (13,255)
2 Reclassified to profit (loss)
a Gain (losses) from adjustments arising from translation of financial statement - - - -
b Gain (losses) from changes of financial assets on available for sale (881,461) (41,527) (962,914) (41,527)
c Others 171,390 63,588 186,864 63,588
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (483,571) 61,825 (549,195) 61,825
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 399,125 965,535 558,784 965,535
Current Year Net Profit (Loss) Attributable to :
- Owner of Company 882,696 903,710 1,107,979 903,710
- Non Controlling Interest - - - -
TOTAL CURRENT YEAR NET PROFIT (LOSS) 882,696 903,710 1,107,979 903,710
Total Comprehensive Profit (Loss) For The Year Attributable to:
- Owner of Company 399,125 965,535 558,784 965,535
- Non Controlling Interest - - - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 399,125 965,535 558,784 965,535
TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - - -
DIVIDEND - - - -
EARNINGS PER SHARE (in rupiah) 63 64 79 64
* BTN's Profit and Loss and Other Comprehensive Income as of March 31, 2025, still includes the Sharia Business Unit (UUS) Profit.
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to BSN's
Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 4
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2026 and December 31, 2025
(In Millions of Rupiah)
INDIVIDUAL CONSOLIDATED
NO ACCOUNTS March 31, 2026 December 31, 2025 March 31, 2026 December 31, 2025
(Unaudited) (Audited) (Unaudited) (Audited)
I. COMMITMENT RECEIVABLES
1 Unused fund borrowings/financing facilities - - - -
2 Outstanding purchase position on spot and derivative/forward 135,947 - 135,947 -
3 Others - - - -
II. COMMITMENT PAYABLES
1 Unused loan facilities granted to customer
a Committed 218,283 206,428 218,283 206,428
b Uncommitted 18,280,972 19,260,697 19,619,540 20,737,126
2 Outstanding irrevocable letters of credit 392,246 211,017 392,246 211,017
3 Outstanding sales position on spot and derivative/forward 135,989 - 135,989 -
4 Others 15,248 15,018 15,248 15,018
III. CONTINGENT RECEIVABLES
1 Guarantees received 4,686,355 4,344,026 4,686,355 4,344,026
2 Others 14,533,859 13,957,839 15,747,731 15,165,304
IV. CONTINGENT PAYABLES
1 Guarantees issued 5,913,961 5,741,994 5,914,118 5,742,151
2 Others - - - -
Page 5
Statements of Assets’ Quality and Other Information
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2026 and 2025
(In Millions of Rupiah)
INDIVIDUAL
March 31, 2026 March 31, 2025 *
NO ACCOUNTS (Unaudited) (Unaudited)
Special
Current Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
Mention
I. RELATED PARTIES
1. Placements with other banks
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables - - - - - - - - - - - -
7. Loans and financing provided
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
b. Bukan debitur UMKM
i Rupiah 83,408 - - - - 83,408 74,221 - - - - 74,221
ii Foreign currencies - - - - - - - - - - - -
c. Kredit yang direstrukturisasi
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
* BTN's Productive Asset Quality and Other Information as of March 31, 2025, still includes the Productive Asset Quality of the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to the BSN Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 6
INDIVIDUAL
March 31, 2026 March 31, 2025 *
NO ACCOUNTS (Unaudited) (Unaudited)
Special
Current Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
Mention
II. NON RELATED PARTIES
1. Placements with other banks
a. Rupiah 96,537 - - - - 96,537 46,204 - - - - 46,204
b. Foreign currencies 2,013,661 - - - 2,035 2,015,696 2,233,087 - - - 1,861 2,234,948
2. Spot and derivative receivables/ forward
a. Rupiah 12 - - - - 12 - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities
a. Rupiah 45,953,991 30,405 3,040 4,458 54,131 46,046,025 43,966,040 39,925 4,194 6,409 54,811 44,071,379
b. Foreign currencies 11,264,161 - - - - 11,264,161 11,658,154 - - - - 11,658,154
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - 3,014,892 - - - - 3,014,892
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah 4,209,534 - - - - 4,209,534 277,848 - - - - 277,848
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 993,101 - - - - 993,101 636,935 - - - - 636,935
7. Loans and financing provided
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)
i Rupiah 6,925,066 181,135 17,828 57,981 499,225 7,681,235 7,167,006 138,327 33,224 48,678 696,504 8,083,739
ii Foreign currencies - - - - - - - - - - - -
b. Bukan debitur UMKM
i Rupiah 287,368,996 36,762,488 510,652 655,389 9,196,716 334,494,241 303,870,177 37,728,087 1,052,851 1,956,968 8,150,197 352,758,280
ii Foreign currencies 1,865,985 - - - - 1,865,985 2,195,328 - - - - 2,195,328
c. Kredit yang direstrukturisasi
i Rupiah 23,287,857 27,558,271 397,019 327,810 6,182,258 57,753,215 23,935,669 24,948,836 625,508 1,197,174 5,615,764 56,322,951
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares 7,188,001 - - - - 7,188,001 - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah 21,911,512 357,020 - - 344,994 22,613,526 17,660,692 441,978 11,883 9,699 163,082 18,287,334
b. Foreign currencies 2,181,692 - - - 25,492 2,207,184 1,329,418 - - - - 1,329,418
III. OTHER INFORMATION
1. Value of bank’s assets pledge as collateral:
a. To Bank Indonesia - -
b. To others - -
2. Repossessed assets 77,591 77,591
* BTN's Productive Asset Quality and Other Information as of March 31, 2025, still includes the Productive Asset Quality of the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to the BSN Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 7
Losses and Allowance for Asset Quality Assessment
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2026 and 2025
(In Millions of Rupiah)
INDIVIDUAL
March 31, 2026 March 31, 2025 *
(Unaudited) (Unaudited)
NO ACCOUNTS
Required allowance for Required allowance for
Allowance for Impairment Allowance for Impairment
losses on earning assets losses on earning assets
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
1. Placements with other banks 25 - 2,035 21,102 2,035 10 - 1,862 22,793 1,861 (5,434,943)
2. Spot and derivative receivables/forward - - - - - - - - - -
3. Securities 378 - - 65,516 58,336 15 - - 355,985 60,640
4. Securities sold with agreement to repurchase (Repo) - - - - - - - - 2,000 -
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - -
6. Acceptances receivables 3,106 - - 9,859 - 72 - - 6,369 -
7. Loans and financing provided 1,755,786 5,250,366 7,096,736 2,875,278 5,140,138 2,218,026 3,409,345 6,861,255 3,100,429 10,746,420
8. Investments in shares - - - 71,880 - - - - - - -
9. Other receivable - - - - - - - - - -
10. Commitments and contingencies 498 - - 59,357 370,486 32,813 - - 47,359 170,696 66,468
* BTN's Allowance for Impairment Losses and Provision for Asset Quality Assessment as of March 31, 2025, still included the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to BSN's Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 8
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2026 and 2025
(In Millions of Rupiah)
March 31, 2026 March 31, 2025
CAPITAL COMPONENTS (Unaudited) (Unaudited)
INDIVIDUAL CONSOLIDATED INDIVIDUAL * CONSOLIDATED
I CORE CAPITAL (TIER 1) 29,150,609 35,708,882 29,074,591 29,074,591
1 Common Equity Tier 1 (CET 1) 27,150,609 33,708,882 29,074,591 29,074,591
1.1 Paid-in Capital (net of Treasury Stock) 7,017,222 7,017,222 7,017,222 7,017,222
1.2 Disclosed Reserves 29,177,304 29,180,973 24,179,063 24,179,063
1.2.1 Additional Factor 30,557,021 30,565,161 27,193,980 27,193,980
1.2.1.1 Other comprehensive income 3,988,158 3,988,158 3,565,773 3,565,773
1.2.1.1.1 Excess differences arising from translation of financial statement - - - -
1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income - - - -
1.2.1.1.3 Surplus of fixed assets revaluation 3,988,158 3,988,158 3,565,773 3,565,773
1.2.1.2 Other disclosed reserves 26,568,863 26,577,003 23,628,207 23,628,207
1.2.1.2.1 Agio 4,712,306 4,418,900 4,418,900 4,418,900
1.2.1.2.2 General reserves 4,621,242 4,621,242 4,621,242 4,621,242
1.2.1.2.3 Previous year profit 16,352,619 16,428,882 13,684,355 13,684,355
1.2.1.2.4 Current year profit 882,696 1,107,979 903,710 903,710
1.2.1.2.5 Funds for paid-in capital - - - -
1.2.1.2.6 Others - - - -
1.2.2 Deduction Factor (1,379,717) (1,384,188) (3,014,917) (3,014,917)
1.2.2.1 Other comprehensive income (1,301,773) (1,306,244) (1,130,004) (1,130,004)
1.2.2.1.1 Negative differences arising from translation of financial statement - - - -
1.2.2.1.2 Potential losses due to decreases of fair value of financial asset through other comprehensive income (1,301,773) (1,306,244) (1,130,004) (1,130,004)
1.2.2.2 Other disclosed reserves (77,944) (77,944) (1,884,913) (1,884,913)
1.2.2.2.1 Disagio - - - -
1.2.2.2.2 Previous year loss - - - -
1.2.2.2.3 Current year loss - - - -
1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment on earning assets - - (1,805,912) (1,805,912)
1.2.2.2.5 Negative difference in adjusment amounts from fair value of financial assets in trading book - - - -
1.2.2.2.6 Required allowance for non earning assets (77,944) (77,944) (79,001) (79,001)
1.2.2.2.7 Others - - - -
1.3 Non Controlling Interest - - - -
1.4 Deduction Factor of CET 1 (9,043,917) (2,489,313) (2,121,694) (2,121,694)
1.4.1 Deferred tax calculation (1,105,487) (1,209,787) (2,121,694) (2,121,694)
1.4.2 Goodwill - (527,705) - -
1.4.3 Other intangible assets (750,429) (751,792) - -
1.4.4 Investments in share (7,188,001) (29) - -
1.4.5 Shortfall of capital on insurance subsidiaries - - - -
1.4.6 Securitisation exposure - - - -
1.4.7 Other deduction of CET 1 - - - -
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank - - - -
1.4.7.2 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - - - -
1.4.7.3 Exposure that give rise to credit risk due the settlement (settlement risk) - Non Delivery Versus Payment - - - -
1.4.7.4 Exposures in subsidiaries that to business activity based on sharia principle - - - -
2 Additional Tier 1 (AT 1) 2,000,000 2,000,000 - -
2.1 Instrument which comply with AT 1 requirements 2,000,000 2,000,000 - -
2.2 Agio / Disagio - - - -
2.3 Deduction Factor of AT 1 - - - -
2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - - - -
2.3.2 Cross ownership in another entity acquired by the transition due to law, grants or grants will - - - -
II SUPPLEMENTAL CAPITAL (TIER 2) 3,952,239 4,166,590 2,397,900 2,397,900
1 Capital instrument in the form of stock or other which comply with Tier 2 requirements 2,041,667 2,041,667 475,000 475,000
2 Agio/Disagio - - - -
3 General provision on earning assets (max. 1.25% credit risk - weighted assets) 1,910,572 2,124,923 1,922,900 1,922,900
4 Deduction supplemental capital - - - -
4.1 Sinking Fund - - - -
4.2 Placement of funds in instrumen Tier 2 to other bank - - - -
4.3 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - - - -
TOTAL CORE AND SUPPLEMENTAL CAPITAL 32,982,407 39,566,506 32,273,030 32,273,030
March 31, 2026 March 31, 2025 March 31, 2026 March 31, 2025
(Unaudited) (Unaudited) (Unaudited) (Unaudited)
INDIVIDUAL CONSOLIDATED INDIVIDUAL * CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL * CONSOLIDATED
RISK WEIGHTED ASSETS CAR RATIO
CREDIT RISK -WEIGHTED ASSETS 151,712,666 168,484,857 152,267,341 152,267,341 CET 1 Ratio (%) 15.23% 17.40% 16.40% 16.40%
MARKET RISK -WEIGHTED ASSETS 4,186,916 5,158,167 4,668,641 4,668,641 Tier 1 Ratio (%) 16.35% 18.43% 16.40% 16.40%
OPERATIONAL RISK - WEIGHTED ASSETS 22,395,507 20,090,999 20,388,527 20,388,527 Tier 2 Ratio (%) 2.22% 2.15% 1.35% 1.35%
TOTAL RISK WEIGHTED ASSETS 178,295,089 193,734,023 177,324,509 177,324,509 Capital Adequacy Ratio (%) 18.57% 20.58% 17.75% 17.75%
CAR BASED ON RISK PROFILE (%) 9.25% 9.25% 9.25% 9.25% CET 1 for Buffer (%) 8.19% 10.30% 8.50% 8.50%
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%)
From CET1 (%) 7.03% 7.10% 7.90% 7.90% Capital Conservation Buffer (%) 2.500% 2.500% 2.500% 2.500%
From AT1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000%
From Tier 2 (%) 2.22% 2.15% 1.35% 1.35% Capital Surcharge for Systemic Bank (%) 1.000% 1.000% 1.000% 1.000%
* The calculation of BTN's Minimum Capital Adequacy Requirement (KPMM) as of March 31, 2025, remains within the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the approval of the Minister of Law and Human Rights regarding the Amendment to BSN's Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 9
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2026 and 2025
(in Millions of Rupiah)
CONSOLIDATED
CASH FLOWS March 31, 2026 March 31, 2025
(Unaudited) (Unaudited)
CASH FLOWS FROM OPERATING ACTIVITIES
Interest, profit sharing, and margin 5,758,116 8,436,186
Recoveries from loan debts written-off 209,193 205,115
Interest and bonus, fees and commissions paid (3,777,072) (4,558,155)
Corporate income tax paid (63,541) (215,115)
Other operating (expense) - net (2,579,421) (2,440,659)
Other non-operating income (expense) - net 4,497 227,063
Cash receipts before changes in operating assets and liabilities (448,228) 1,654,435
Changes in operating assets and liabilities:
Decrease (increase) in operating assets:
Fair value through profit or loss
securities (3,938,850) 533,786
Fair value through profit or loss
government bonds (2,074,066) 2,194,330
Acceptance Receivable (418,200) 304,963
Derivative Receivable (12) -
Loans and sharia financing/receivables 1,241,450 (6,676,215)
Other assets (1,531,138) (2,305,810)
Increase (decrease) in operating liabilities:
Current liabilities 557,302 1,276,647
Deposits from customer
Demand deposits (2,635,562) (11,262,564)
Wadiah demand deposits 1,725,568 1,889,578
Savings deposits 419,833 (1,088,297)
Savings deposits Wadiah 77,545 51,611
Time deposits (12,514,122) 13,303,235
Deposits from other banks (21,410) (10,932)
Acceptance liabilities 418,200 (304,963)
Other liabilities (432,317) (207,961)
Temporary syirkah funds (1,907,005) (169,040)
Net Cash provided (used in) by Operating Activities (21,481,012) (817,197)
CASH FLOWS FROM INVESTING ACTIVITIES
Acquisition of fixed assets (176,765) (193,474)
Receipt (purchase) of amortized cost securities (50,546) 332,527
Receipt (purchase) of amortized cost government bonds (2,615,630) 400,194
Receipt (purchase) in fair value through other comprehensive income securities (347,355) (2,198)
(Purchase) receipt in fair value through other comprehensive income government bonds 1,154,164 (1,228,073)
Placement of securities purchased under agreement to resell (2,525,694) (102,223)
Net Cash used in Investing Activities (4,561,826) (793,247)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of matured securities issued (39,745) (39,745)
Receipt from fund borrowings 5,278,748 -
Payment from fund borrowings (1,281,290) (280,087)
Proceeds from securities sold under repurchase agreements - 28,427,367
Payments of matured securities sold under repurchase agreements (343,408) (28,883,021)
Payment of lease liabilities (20,887) (27,548)
Payment of subordinated borrowings - (4,828,500)
Net Cash Provided by (used in) Financing Activities 3,593,418 (5,631,534)
Page 10
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2026 and 2025
(in Millions of Rupiah)
CONSOLIDATED
CASH FLOWS March 31, 2026 March 31, 2025
(Unaudited) (Unaudited)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (22,449,420) (7,241,978)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 51,398,620 35,458,390
CASH AND CASH EQUIVALENTS AT END OF PERIOD 28,949,200 28,216,412
The details of cash and cash equivalents at end of period are as follows:
Cash 2,224,963 2,773,038
Current accounts with Bank Indonesia 23,921,892 9,548,771
Current accounts with other banks 2,112,427 2,281,091
Placements with Bank Indonesia and other banks - maturing within
three months or less since the acquisition date 689,918 13,613,512
TOTAL OF CASH AND CASH EQUIVALENTS 28,949,200 28,216,412
Page 11
CALCULATION OF FINANCIAL RATIOS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2026 and 2025
(in %)
INDIVIDUAL
RATIOS March 31, 2026 March 31, 2025 *
(Unaudited) (Unaudited)
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR) 18.57% 17.75%
2. Non performing earning assets and non earning assets to total earning assets and
non earning assets 2.60% 2.76%
3. Non performing earning assets to total earning assets 2.62% 2.74%
4. Allowance for impairment on financial assets to earning assets 3.45% 2.94%
5. NPL gross 3.18% 3.29%
6. NPL net 1.95% 1.95%
7. Return on Asset (ROA) 0.97% 0.98%
8. Return on Equity (ROE) 12.14% 12.49%
9. Net Interest Margin (NIM) 3.46% 3.61%
10. Operating Expenses to Operating Income 85.30% 87.60%
11. Cost to Income Ratio (CIR) 51.85% 53.62%
12. Loan to Deposit Ratio (LDR) 94.52% 94.39%
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
b. Percentage of excess of the Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
2. Reserve requirement
a. Primary reserve requirement Rupiah
- Daily 0.36% 0.11%
- Average 3.80% 5.00%
b. Reserve requirement Foreign currencies (Daily) 4.09% 6.16%
3. Net Open Position - Overall 0.92% 3.02%
* BTN's financial ratio as of March 31, 2025, still includes the Sharia Business Unit (UUS).
The separation of the Bank's UUS will be effective on December 22, 2025, based on the Minister of Law's approval of the Amendment to
BSN's Articles of Association, as stated in Letter No. AHU-AH.01-446 of 2025 dated December 15, 2025.
Page 12
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2026
(Unaudited)
(In Millions of Rupiah)
INDIVIDUAL
NO TRANSACTION
Type Derivative Receivables & Payables
Notional Amount
Trading Hedging Tagihan Liabilitas
A. Exchange Rate Related
1. Spot 135,956 - - - 42
2. Forward - - - - -
3. Option - - - - -
a. Written - - - - -
b. Purchased
4. Future - - - - -
5. Swap - - - - -
6. Others - - - - -
B. Interest Rate Related
1. Forward - - - - -
2. Option
a. Written - - - - -
b. Purchased - - - - -
3. Future - - - - -
4. Swap - - - - -
5. Others 180,000 - - 12 11
C. Others
TOTAL 315,956 - - 12 53
Page 13
PRIME LENDING RATE
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2026
(% per annum)
Prime Lending Rate
Business Segment
Description
Non MSME Loan MSME Loan
Mortgage Non Mortgage
Corporate Retail Medium Small Micro
Prime Lending Rate 8.50% 8.75% 9.80% 10.35% 13.65% 7.95% 10.65%
Page 14
Catatan :
1) The Interim Consolidated Financial Statements information above is taken from the Consolidated Financial Statements of
PT Bank Tabungan Negara (Persero) Tbk ("Bank") and its subsidiaries for the period ended March 31, 2026 and 2025
prepared by the Bank's management in accordance with Indonesian Financial Accounting Standards where the
Consolidated Financial Statements on the dates and years ended December 31, 2025 have been audited by the Public
Accounting Firm Purwanto Susansi and Surja ("PSS") (a member firm of Ernst & Young Global Limited) with partner in
charge Christophorus Alvin Kossim, independent auditor, based on Auditing Standards established by the Indonesian
Institute of Certified Public Accountants, with an unmodified audit opinion, as stated in its report dated February 10, 2026
which is not included in this publication. Because the above Consolidated Financial Statements information is taken from
the Audited Consolidated Financial Statements, therefore the information is not a complete presentation of the Audited
Consolidated Financial Statements.
2) The above published Financial Statements are presented to comply with:
a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019 regarding
“Transparency and Published Financial Statements of The Banks”
b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30, 2020 regarding
“Transparency and Published Financial Statements of The Commercial Banks”.
c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26, 2022 on Second
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks” and
Financial Services Authority Regulation (POJK) Number 34/POJK.03/2016 Dated September 22, 2016 on
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks”.
d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022 regarding
“Submission of Periodic Financial Statements for Issuers or Public Companies”
e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of
Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012 regarding “Presentation and Disclosure of
Periodic Financial Statements for Issuers or Public Companies”.
f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020 regarding Changes to
Published Financial Statements
3) Related Parties in the Statements of Assets' Quality and Other Information are presented in accordance with Bank
Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment of Financial Services
Authority Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding the Amendment of Financial Services
Authority Regulation Number 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for
Commercial Banks.
4) Exchange rate of 1 US Dollar as at March 31, 2026, Desember 31, 2025, dan March 31, 2025 were Rp. 16.994,50 , Rp.
16.675,00 and Rp. 16.560,00 respectively.
5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual
income) by the weighted average number of ordinary shares outstanding during the current year.
Page 15
Management of The Bank
Board of Commissioner
President Commissioner : Suryo Utomo
Vice President Commissioner : Dwi Ary Purnomo *
Independent Commissioner : Panangian Simanungkalit
Independent Commissioner : Pietra Machreza Paloh
Independent Commissioner : Ida Nuryanti
Commissioner : Fahri Hamzah
Commissioner : Didyk Choiroel **
Board of Directors
President Director : Nixon L.P. Napitupulu
Vice President Director : Oni Febriarto Rahardjo
Director of Risk Management : Setiyo Wibowo
Director of Consumer Banking : Hirwandi Gafar
Director of Finance & Strategy : Nofry Rony Poetra
Director of Human Capital & Compliance : Eko Waluyo
Director of Network & Retail Funding : Rully Setiawan
Director of Operations : I Nyoman Sugiri Yasa
Director of Commercial Banking : Hermita
Director of Treasury & International Banking : Venda Yuniarti
Director of Information Technology : Tan Jacky Chen
Director of Corporate Banking : Helmy Afrisa Nugroho ***
Shareholder
Ultimate Shareholder
- Republic of Indonesia : 0.60%
Non Ultimate Shareholder through Capital Market (≥ 5%) : Nihil
Non Ultimate Shareholder through non Capital Market (≥ 5%)
- PT Danantara Asset Management (Persero) : 59.40%
* Resigned as of February 25, 2026 in connection with his appointment as a member of the Board of Directors of PT Asuransi Kerugian
Jasa Raharja and will be confirmed at the nearest GMS.
** Appointed as a member of Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk based on the Extraordinary General
Meeting of Shareholders dated January 7, 2026 and shall become effective upon obtaining approval from the Financial Services
Authority (OJK) on the Fit and Proper Test assessment and compliance with the prevailing laws and regulations.
*** Appointed as a member of the Board of Directors of PT Bank Tabungan Negara (Persero) Tbk pursuant to the resolution of the
Company’s Annual General Meeting of Shareholders dated March 26, 2025, and shall become effective upon obtaining approval from
the Financial Services Authority (OJK) on the Fit and Proper Test assessment and compliance with the prevailing laws and regulations.
Jakarta, April 16, 2026
S.E. & O
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
Board of Director
Nixon L.P. Napitupulu Nofry Rony Poetra
Direktur Utama Direktur Finance & Strategy
Names mentioned 28 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
p.1 ×6
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Minister of Law and Human Rights
p.3 ×5
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Minister of Law's
p.11
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Young Global Limited
p.14
unresolved
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Financial Services Authority
p.14 ×10
unresolved
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Bapepam-LK
p.14 ×4
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org
Bank Indonesia Regulation
p.14
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org
PT Asuransi Kerugian Jasa Raharja
p.15
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