{"id":22588,"date":"2025-12-19T11:00:58","date_gmt":"2025-12-19T04:00:58","guid":{"rendered":"https:\/\/businessupdate.id\/?p=22588"},"modified":"2025-12-19T11:01:01","modified_gmt":"2025-12-19T04:01:01","slug":"btn-targetkan-pertumbuhan-kredit-2026-sebesar-10-12-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=22588","title":{"rendered":"BTN Targetkan Pertumbuhan Kredit 2026 Sebesar 10-12 Persen"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Tabungan Negara (Persero) Tbk atau BTN menargetkan pertumbuhan kredit sebesar 10-12% pada 2026. Perseroan mengandalkan program pembiayaan di sektor perumahan dari pemerintah yakni Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) dan Kredit Program Perumahan (KPP).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Tahun depan kalau di BTN itu ada dua, FLPP dan KPP. Satu aja udah 89%, tambahin yang satu lagi udah pasti saya masih yakin 10-12%. Karena <em>today<\/em> kita punya dua produk,&#8221; ujar Direktur Utama BTN Nixon LP Napitupulu dikutip dari <em>Kompas<\/em>, Jumat (19\/12\/2025)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai informasi, FLPP dan KPP merupakan bagian dari program prioritas pemerintah untuk menyediakan 3 juta rumah. FLPP berfokus pada pembiayaan kredit pemilikan rumah (KPR) bersubsidi bunga rendah. Sementara KPP tidak hanya menyasar masyarakat tetapi juga menyasar pelaku usaha perumahan untuk diberikan pembiayaan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, dalam Rencana Bisnis Bank (RBB) 2026, BTN juga menargetkan dapat mencapai pertumbuhan laba hingga dua digit serta dana pihak ketiga (DPK) dan penyaluran kredit meningkat. Namun, Nixon enggan membocorkan berapa angka pertumbuhan laba, DPK, dan kredit tahun depan lantaran RBB 2026 belum mendapatkan persetujuan dari Otoritas Jasa Keuangan (OJK). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, Direktur Network and Retail Funding BTN Rully Setiawan membeberkan, pada tahun depan pihaknya mengutamakan pertumbuhan dana murah (<em>Current Account Saving Account<\/em>\/CASA) sekitar 5% dari rasio saat ini atau 60% dari DPK. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;<em>Real<\/em> CASA itu adalah tabungan dan giro yang <em>non-special rate<\/em>. Tidak ada <em>special rate<\/em> di tabungan dan giro, dan itu menjadi target kita di tahun depan, target kita yang utama,&#8221; kata Rully pada kesempatan yang sama. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai informasi, hingga akhir November 2025 BTN telah membukukan laba bersih sebesar Rp2,91 triliun, naik 21,10% secara tahunan (yoy) dari periode yang sama tahun sebelumnya sebesar Rp2,40 triliun. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pertumbuhan laba bersih tersebut didukung oleh kredit dan pembiayaan yang disalurkan BTN sebesar Rp386,47 triliun hingga 30 November 2025, naik 8,74% yoy dibandingkan periode yang sama tahun lalu sebesar Rp355,42 triliun. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BTN juga membukukan pertumbuhan DPK seiring dengan upaya perseroan meningkatkan pendanaan, terutama CASA. Hingga akhir November 2025, DPK BTN meningkat 15,77% yoy menjadi Rp423,96 triliun dari periode yang sama tahun lalu sebesar Rp366,22 triliun. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pertumbuhan kredit dan pembiayaan serta DPK membuat aset BTN naik 12,16% yoy menjadi Rp503,99 triliun hingga akhir November 2025, dibandingkan periode yang sama tahun lalu sebesar Rp449,36 triliun. Total aset tersebut telah melampaui target aset Rp500 triliun yang ditetapkan pada awal 2025. (rn\/jh. Foto: Dok. BTN)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN menargetkan pertumbuhan kredit sebesar 10-12% pada 2026. Perseroan mengandalkan program pembiayaan di sektor perumahan dari pemerintah yakni Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) dan Kredit Program Perumahan (KPP). &#8220;Tahun depan kalau di BTN itu ada dua, FLPP dan KPP. Satu aja udah 89%, tambahin yang satu [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":13621,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,760,248,765,544,355,758,1176,1144],"class_list":["post-22588","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-flpp","tag-kpr","tag-kredit","tag-negara","tag-pertumbuhan","tag-perumahan","tag-program","tag-tabungan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BTN Targetkan Pertumbuhan Kredit 2026 Sebesar 10-12 Persen - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=22588\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BTN Targetkan Pertumbuhan Kredit 2026 Sebesar 10-12 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN menargetkan pertumbuhan kredit sebesar 10-12% pada 2026. Perseroan mengandalkan program pembiayaan di sektor perumahan dari pemerintah yakni Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) dan Kredit Program Perumahan (KPP). &#8220;Tahun depan kalau di BTN itu ada dua, FLPP dan KPP. Satu aja udah 89%, tambahin yang satu [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=22588\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-19T04:00:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-19T04:01:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/07\/bank-btn.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=22588\",\"url\":\"https:\/\/businessupdate.id\/?p=22588\",\"name\":\"BTN Targetkan Pertumbuhan Kredit 2026 Sebesar 10-12 Persen - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2025-12-19T04:00:58+00:00\",\"dateModified\":\"2025-12-19T04:01:01+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=22588#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=22588\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=22588#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"BTN Targetkan Pertumbuhan Kredit 2026 Sebesar 10-12 Persen\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"BTN Targetkan Pertumbuhan Kredit 2026 Sebesar 10-12 Persen - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=22588","og_locale":"en_US","og_type":"article","og_title":"BTN Targetkan Pertumbuhan Kredit 2026 Sebesar 10-12 Persen - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN menargetkan pertumbuhan kredit sebesar 10-12% pada 2026. 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