PT Bank BTPN Syariah (BTPS) Q3 2025 earnings summary

Executive summary

• Net income for the nine months ended 30 September 2025 reached Rp 967,983 million, up from Rp 764,470 million in the same period last year.

• Total assets increased to Rp 22,217,651 million as of 30 September 2025, compared to Rp 21,736,656 million at year-end 2024.

• Shareholders' equity rose to Rp 10,007,997 million from Rp 9,305,286 million at year-end 2024.

Financial highlights

• Income from fund management as mudharib was Rp 3,434,093 million, with total operating income of Rp 3,916,618 million for the period.

• Net operating income reached Rp 1,234,010 million, up from Rp 1,299,905 million in the previous year.

• Earnings per share (basic/diluted) were Rp 126, compared to Rp 99 in the prior year.

• Total deposits from customers stood at Rp 2,197,402 million as of 30 September 2025.

Outlook and guidance

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

• Capital adequacy ratio (CAR) remains strong at 57.36%, well above the minimum requirement.