PT Bank BTPN Syariah (BTPS) Q2 2025 earnings summary

Executive summary

• Net income for the six months ended 30 June 2025 reached Rp 643,849 million, up from Rp 552,201 million year-over-year.

• Total assets stood at Rp 21,658,909 million as of 30 June 2025, slightly down from Rp 21,747,580 million at year-end 2024.

• The bank maintained a strong capital adequacy ratio (CAR) of 54.52% as of 30 June 2025.

• The board confirmed full compliance with Indonesian Financial Accounting Standards and internal controls.

Financial highlights

• Operating income for the period was Rp 2,604,148 million, compared to Rp 2,736,857 million year-over-year.

• Net operating income rose to Rp 820,909 million from Rp 701,686 million year-over-year.

• Earnings per share increased to Rp 84 from Rp 72 year-over-year.

• Gross non-performing financing (NPF) ratio for murabahah receivables was 3.33%, with a net NPF of 0.03%.

• Allowance for impairment losses on murabahah receivables covered 448.86% of the minimum required by OJK.

Outlook and guidance

• The bank continues to focus on prudent risk management, maintaining high capital ratios and compliance with regulatory requirements.

• No material exposure to foreign currency risk; market risk is mainly from interest rate changes.