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PT Bank BTPN Syariah (BTPS) investor relations material

PT Bank BTPN Syariah Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary28 Oct, 2025

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.

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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.

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