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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
PT Bank BTPN Syariah
PT Bank BTPN Syariah (BTPS) investor relations material
PT Bank BTPN Syariah Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
9M 2026 net income was Rp1,011,878 million, versus Rp945,424 million in 9M 2025; EPS rose to Rp131 from Rp123.�
Total assets reached Rp23,990,752 million at 30 September 2026, compared with Rp22,751,076 million at 31 December 2025.�
A post-period shareholder approval authorized a buyback of up to 10% of issued capital, capped at Rp1 trillion including related costs.�
Financial highlights
Managed-fund income was Rp3,863,098 million in 9M 2026 versus Rp3,924,133 million; the share retained was Rp3,510,489 million versus Rp3,556,666 million.�
Net operating income rose to Rp1,285,486 million from Rp1,216,858 million; income before tax was Rp1,287,076 million versus Rp1,217,935 million.�
Net income was Rp1,011,878 million versus Rp945,424 million; comprehensive income was Rp1,011,724 million versus Rp945,265 million.�
Impairment provision expense was Rp381,101 million, down from Rp630,810 million; operating expenses totaled Rp2,248,825 million versus Rp2,375,624 million.�
Net murabahah receivables were Rp8,881,220 million, up from Rp8,390,000 million at year-end 2025; marketable securities totaled Rp10,015,184 million.�
Segment performance
Operations comprise one segment: murabahah financing for productive lower-income communities; 9M 2026 murabahah margin income was Rp3,353,293 million.�
Regional murabahah margin income: Java Rp1,878,126 million, Sumatra Rp1,075,497 million, Kalimantan and Sulawesi Rp234,332 million, and Bali and Nusa Tenggara Rp165,338 million.�
Regional net operating income was Rp760,433 million in Sumatra, Rp283,786 million in Java, Rp127,217 million in Kalimantan and Sulawesi, and Rp114,050 million in Bali and Nusa Tenggara.�
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Latest events from PT Bank BTPN Syariah
- Higher financing losses and provisions cut FY23 profit 39% despite net margin income growth.BTPS
Q4 2023 - Net income grew 1.8% to Rp 655.5 billion, with strong capital and asset quality maintained.BTPSQ2 2026
- Q1 2026 net income grew 2.8% to Rp 319,456 million, with strong capital and asset quality.BTPSQ1 2026
- 2025: net income up, strong capital, 0.0% NPF, key audit matters addressed, industry awards.BTPSQ4 2025
- Net income surged to Rp 967.98 billion, with strong capital and asset quality maintained.BTPSQ3 2025
- Net income increased to Rp 643,849 million, with strong capital and low net NPF.BTPSQ2 2025
- Net profit dropped to Rp 764.5 billion, but capital and liquidity ratios remain strong.BTPSQ3 2024
- Net profit rose to Rp 750.5 billion in H1 2024, with robust capital and asset quality.BTPSQ2 2024
- Stable assets, strong capital, and prudent risk management marked 2024 performance.BTPSQ4 2024
Next PT Bank BTPN Syariah earnings date
Q4 202612 Feb, 2027
PT Bank BTPN Syariah
Next PT Bank BTPN Syariah earnings date
Q4 202612 Feb, 2027
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Frequently asked questions
PT Bank BTPN Syariah Tbk, also known as BTPS, operates in Indonesia focusing on Sharia-compliant banking services. The company's business model primarily revolves around providing financial solutions that adhere to Islamic principles, with a significant emphasis on funding and financing. Their range of products includes various savings accounts, deposits, and financing services designed to cater to both individuals and businesses within the underprivileged sectors of the community. The company is headquartered in Jakarta, and its shares are listed on the Indonesia Stock Exchange.