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Company: Bank Tabungan Negara Persero Tbk PT  
Brand value: US$154 million
Year on year change: 31%
Headquarter city: Jakarta 
Industry: Banks 
Year formed: 1897 
BTN’s heritage goes back to 1897, when it was established during the Dutch colonial era as Postpaarbank. In 1950, the Government of Indonesia changed its name to Bank Tabungan Pos, and in 1963 it took its current name. The bank has the largest mortgage portfolio in Indonesia and consumer credit for housing has been its focus since the 1970s, when it was appointed by the government as the only institution at the time allowed to provide mortgages to lower income earners. Its loan portfolio increased nearly 20 percent in 2015, in part as a result of support for the government’s One Million Houses Program, a scheme that subsidizes credit to help a million low-income families a year buy a home. Profits were up by almost 62 percent. In the past year, BTN has partnered with e-commerce platforms including hijabenka.com, pegipegi.com and tororo.com to provide discounts for consumers, and has launched BTN Debit Online, which allows online shoppers to buy without having a credit card using a safe, VISA-approved alternative.
Like most consumer banks in Indonesia, BTN offers Shariah banking products, and recently opened its 23rd Shariah branch, in Banda Aceh. In 2009 it was listed on the Indonesia Stock Exchange. The Government of Indonesia is the majority stakeholder, with employees and the public owning remaining shares.