PT Bank Tabungan Negara (Persero) Tbk (BTN) is strengthening its capital structure to maintain the sustainability of its business expansion by receiving a shareholder loan (SHL) worth Rp2 trillion from PT Danantara Asset Management (Persero) (DAM).This facility is classified as additional core capital (Additional Tier 1/AT1) in accordance with the provisions of the Financial Services Authority (OJK).
In his statement in Jakarta, Friday, BTN President Director Nixon LP Napitupulu said that this capital strengthening was carried out in line with the increasing need for financing, especially in the housing sector, which is BTN's main focus.
"BTN's capital position is at a healthy level, with a Capital Adequacy Ratio (CAR) in the range of 18-19 percent. This shareholder loan is prepared to maintain adequate credit expansion space, in line with the ongoing growth of housing finance," Nixon said.
As of the third quarter of 2025, BTN recorded credit and financing disbursement of Rp381.03 trillion, with the largest portion coming from the housing sector, reaching Rp322.53 trillion.
This financing growth requires a stronger capital structure so that credit expansion can continue without putting pressure on the capital ratio.
