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PT Bank BTPN Syariah (BTPS) investor relations material
PT Bank BTPN Syariah Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net income for the three months ended 31 March 2026 was Rp 319,456 million, up from Rp 310,800 million year-over-year.
Total assets increased to Rp 23,153,579 million as of 31 March 2026 from Rp 22,751,076 million at year-end 2025.
The bank maintained a strong capital position with a CAR of 59.15% as of 31 March 2026.
Financial highlights
Operating income reached Rp 405,314 million for Q1 2026, compared to Rp 396,346 million in Q1 2025.
Net operating income after tax was Rp 319,456 million, a 2.8% increase year-over-year.
Total equity rose to Rp 10,280,806 million from Rp 9,961,512 million at year-end 2025.
Gross non-performing financing (NPF) ratio for murabahah receivables was 2.85%, with net NPF at 0.02%.
Outlook and guidance
The bank continues to focus on prudent risk management and maintaining high capital adequacy.
No material changes in business strategy or risk appetite were disclosed for the upcoming quarters.
- Stable assets, strong capital, and prudent risk management marked 2024 performance.BTPS
Q4 202416 Mar 2026 - 2025: net income up, strong capital, 0.0% NPF, key audit matters addressed, industry awards.BTPS
Q4 202513 Mar 2026 - Net profit dropped to Rp 764.5 billion, but capital and liquidity ratios remain strong.BTPS
Q3 202413 Mar 2026 - Net income surged to Rp 967.98 billion, with strong capital and asset quality maintained.BTPS
Q3 20252 Nov 2025 - Net income increased to Rp 643,849 million, with strong capital and low net NPF.BTPS
Q2 20251 Aug 2025 - Net profit rose to Rp 750.5 billion in H1 2024, with robust capital and asset quality.BTPS
Q2 202413 Jun 2025 - Q1 2025 net income up 17.7% YoY, CAR at 53.54%, dividend set at Rp 34.5/share.BTPS
Q1 20256 Jun 2025
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