PT Bank BTPN Syariah (BTPS) Q3 2026 earnings summary

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.�