{"id":25443,"date":"2026-05-25T10:37:11","date_gmt":"2026-05-25T03:37:11","guid":{"rendered":"https:\/\/businessupdate.id\/?p=25443"},"modified":"2026-05-25T11:33:35","modified_gmt":"2026-05-25T04:33:35","slug":"bank-smbc-lepas-bisnis-kredit-pensiun-ke-btn-senilai-rp1993-triliun","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=25443","title":{"rendered":"Bank SMBC Lepas Bisnis Kredit Pensiun ke BTN Senilai Rp19,93 Triliun"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate <\/strong>&#8211; PT Bank SMBC Indonesia Tbk (BTPN) melepas portofolio bisnis kredit pensiun senilai Rp19,93 triliun kepada PT Bank Tabungan Negara (Persero) Tbk (BBTN). Hal ini menandai perubahan besar arah bisnis bank yang sebelumnya dikenal sebagai Bank BTPN dan identik dengan pembiayaan pensiunan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Transaksi tersebut diumumkan melalui keterbukaan informasi perseroan yang dipublikasikan di laman Bursa Efek Indonesia (BEI) pada Senin (25\/5\/2026). Dalam dokumen itu, SMBC Indonesia menjelaskan transaksi dilakukan melalui dua perjanjian berbeda yang ditandatangani pada 22 Mei 2026. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perjanjian pertama berupa Conditional Portfolio Transfer Agreement (CPTA), yakni pengalihan portofolio pinjaman pensiunan dan pra-pensiunan yang dikelola PT Taspen (Persero). Nilai transaksi untuk portofolio tersebut mencapai Rp12,58 triliun. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, transaksi kedua berupa Conditional Loan Asset Transfer Agreement (CLATA), yakni pengalihan aset pinjaman pensiunan dan pra-pensiunan yang dikelola PT ASABRI (Persero), dana pensiun lainnya, serta kredit pegawai aktif yang nilainya Rp7,34 triliun. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cHarga pembelian yang disetujui dari masing-masing Transaksi CPTA dan Transaksi CLATA adalah Rp12.584.944.256.063 dan Rp7.343.253.303.183, yang secara total sejumlah Rp19.928.197.559.246,\u201d tulis manajemen SMBC Indonesia dalam dokumen keterbukaan informasi tersebut. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nilai transaksi itu setara dengan 46,3% dari ekuitas perseroan berdasarkan laporan keuangan teraudit per 31 Desember 2025. Karena itu, transaksi masuk kategori transaksi material sesuai ketentuan Otoritas Jasa Keuangan (OJK). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bisnis pensiunan selama ini menjadi salah satu identitas utama BTPN sebelum berubah nama menjadi Bank SMBC Indonesia pada 2024. Perseroan mengakui unit bisnis pensiun telah lama menjadi bagian penting dalam bisnis ritel perusahaan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SMBC Indonesia juga menyebut bisnis tersebut secara historis memiliki peran signifikan dalam layanan pengelolaan dana pensiun dan pembayaran manfaat pensiun di Indonesia. Selain mengelola pembayaran dana pensiun, unit tersebut juga menyalurkan kredit kepada pensiunan, pra-pensiunan, dan pegawai aktif. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meski selama ini menjadi bisnis inti, SMBC Indonesia menyebut perusahaan kini tengah melakukan penyesuaian strategi. \u201cSaat ini Perseroan melaksanakan penyesuaian kembali atas strategi bisnis pensiun,\u201d tulis manajemen perseroan. Sebagai bagian dari penyesuaian strategi tersebut, perusahaan memutuskan mengalihkan kredit pensiun, pra-pensiun, dan kredit pegawai aktif kepada BTN. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cTindakan korporasi ini dimaksudkan untuk memastikan keberlangsungan layanan yang baik bagi nasabah yang berada di bawah pengelolaan Pembeli, sekaligus memungkinkan Perseroan untuk mengalokasikan kembali modal dan sumber dayanya ke area pertumbuhan inti yang lebih skalabel yang selaras dengan tujuan strategis jangka panjang Perseroan,\u201d tulis SMBC Indonesia. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dokumen itu tidak menjelaskan secara rinci sektor atau segmen baru yang menjadi fokus pertumbuhan inti perseroan setelah pelepasan bisnis kredit pensiun tersebut. Namun, langkah itu menunjukkan perubahan arah bisnis besar di tubuh eks-BTPN setelah bergabung dengan grup Sumitomo Mitsui Banking Corporation (SMBC). (rn\/jh. Foto: Dok. SMBC)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank SMBC Indonesia Tbk (BTPN) melepas portofolio bisnis kredit pensiun senilai Rp19,93 triliun kepada PT Bank Tabungan Negara (Persero) Tbk (BBTN). Hal ini menandai perubahan besar arah bisnis bank yang sebelumnya dikenal sebagai Bank BTPN dan identik dengan pembiayaan pensiunan. Transaksi tersebut diumumkan melalui keterbukaan informasi perseroan yang dipublikasikan di laman Bursa [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":17494,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[426,183,1381,325,765,544,1925,4948,1144],"class_list":["post-25443","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-bank","tag-btn","tag-btpn","tag-indonesia","tag-kredit","tag-negara","tag-pensiun","tag-smbc","tag-tabungan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank SMBC Lepas Bisnis Kredit Pensiun ke BTN Senilai Rp19,93 Triliun - 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=25443\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank SMBC Lepas Bisnis Kredit Pensiun ke BTN Senilai Rp19,93 Triliun - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank SMBC Indonesia Tbk (BTPN) melepas portofolio bisnis kredit pensiun senilai Rp19,93 triliun kepada PT Bank Tabungan Negara (Persero) Tbk (BBTN). Hal ini menandai perubahan besar arah bisnis bank yang sebelumnya dikenal sebagai Bank BTPN dan identik dengan pembiayaan pensiunan. Transaksi tersebut diumumkan melalui keterbukaan informasi perseroan yang dipublikasikan di laman Bursa [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=25443\" \/>\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=\"2026-05-25T03:37:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-25T04:33:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2025\/03\/bank-SMBC-Indonesia-e1740991239976.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"740\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\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=25443\",\"url\":\"https:\/\/businessupdate.id\/?p=25443\",\"name\":\"Bank SMBC Lepas Bisnis Kredit Pensiun ke BTN Senilai Rp19,93 Triliun - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-05-25T03:37:11+00:00\",\"dateModified\":\"2026-05-25T04:33:35+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=25443#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=25443\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=25443#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bank SMBC Lepas Bisnis Kredit Pensiun ke BTN Senilai Rp19,93 Triliun\"}]},{\"@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":"Bank SMBC Lepas Bisnis Kredit Pensiun ke BTN Senilai Rp19,93 Triliun - 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=25443","og_locale":"en_US","og_type":"article","og_title":"Bank SMBC Lepas Bisnis Kredit Pensiun ke BTN Senilai Rp19,93 Triliun - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank SMBC Indonesia Tbk (BTPN) melepas portofolio bisnis kredit pensiun senilai Rp19,93 triliun kepada PT Bank Tabungan Negara (Persero) Tbk (BBTN). 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