Bank Tabungan Negara (BTN)

Bank Tabungan Negara (BTN), which translates to "National Savings Bank," is an Indonesian state-owned commercial bank best known as the country's leading mortgage and housing finance institution. Headquartered in Gambir, Jakarta, BTN is one of Indonesia's four major state-owned banks and is publicly traded on the Indonesia Stock Exchange (IDX: BBTN). With over 12,000 employees and assets of approximately Rp 439 trillion (2023), BTN serves as the primary provider of housing finance in Indonesia, particularly for middle and lower-income segments through both subsidized and commercial mortgage products.