PT Bank BTPN Syariah (BTPS) Q1 2026 earnings summary

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.