REPUBLIKA.CO.ID, JAKARTA -- Total assets of PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) increased 17 percent from 56.5 trillion on 30 September 2012 to 66.2 trillion IDR on 30 September 2013. While it's net profit after tax grew 24 percent from 1.4 trillion on 30 September 2012 to 1.8 trillion IDR on 30 September 2013.
As of 30 September 2013, BTPN recorded a capital adequacy ratio (CAR) of 23 per cent higher than the September 2012 CAR position in 21.6 percent.
Finance Director of BTPN, Ariel Harris said, with a CAR of 23 percent, BTPN has enough space to grow while supporting inclusive finance initiatives by continuous innovations on reaching people in remote areas.
Until the end of September 2013, BTPN loans grew 22 percent (year on year) from 37.08 trillion on 30 September 2012 to 45.3 trillion IDR on 30 September 2013. Pensions services was their largest contribution of total loans, which reached 68 percent, followed by 22 percent on micro loans.
"Despite high loan figure, we managed to keep the quality of the loan," he said on Thursday (24/10).
Higher intermediation balanced by the application of the precautionary principle. The result, he said, reduced the ratio of non-performing loans (NPL) of 0.37 percent at the end of September 2013. The figure is lower than net NPL on late September 2012 which reached 0.39 percent.
Arief said their focus, on serving the productive underprivileged segment of society (mass market), successfully attract wider attention and public confidence.
It's reflected in the rise of its Third Party Funds (TPF). Through BTPN Sinaya product, the figure of public savings grew 15 percent (yoy) from 42.6 trillion as of 30 September 2012 to 49.03 trillion IDR as of 30 September 2013.
He added, the bank is committed to empower low-income segments of society as well as owners of Micro and Small Enterprises (MSEs) and mass market.
Deputy President Director of BTPN, Dana Wanadjati Ongki said, mass market customers do not only need access to financial system but also training and mentoring for their business capacities.
"There is a positive correlation between the frequency of training programs with turnover and operating costs of customers business," Onky said.
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