Dubai – Indonesia’s state-owned mortgage specialist, PT Bank Tabungan Negara (Persero) Tbk (BTN), received high honors at the Global Brand Awards 2025, earning recognition as Best Mortgage Bank and Best Savings Bank for its ongoing digital transformation and dominant role in the national housing finance ecosystem.
The awards were presented during the Global Brand Awards Night on June 13, 2025, at the Grand Hyatt Dubai, with Rully Setiawan, BTN’s Director of Network and Retail Funding, accepting the accolades on behalf of the bank. Organized by the UK-based Global Brands Magazine, the awards recognize global leaders in brand excellence across key industries.
Nixon LP Napitupulu, President Director of BTN, remarked that the award reflects the institution’s sustained effort in reshaping its public image and digital capabilities. “This international recognition shows that our brand, which has long been trusted domestically, is now earning global respect. It’s the result of our unwavering focus on holistic transformation,” he said in a written statement.
BTN has been pivotal in addressing Indonesia’s housing backlog by dominating the mortgage lending market, holding a 40.8% share in total mortgages and an 82.2% share in subsidized housing loans as of 2024. The bank is seen as a key enabler of the government’s housing policy, particularly under the administration of President Prabowo Subianto, by facilitating access to affordable financing for low-income households.
The Global Brand Awards 2025 selected winners from over 18,000 global nominees, evaluated through independent research and technical assessment by third-party agencies. BTN’s success in brand transformation is credited to its robust digital innovation, particularly the launch of “Bale by BTN,” a super app that delivers one-stop housing services — from mortgage applications to property ecosystem integration.
This recognition also reflects BTN’s strategic push to grow its low-cost funding ratio, aiming for more than 60% in the near term through enhanced savings and current account acquisition. The “Best Savings Bank” award aligns with this ongoing effort to position BTN as the premier tabungan bank (savings bank) for Indonesia’s expanding middle class.
With these recognitions, BTN strengthens its stance not just as a commercial bank, but as a policy-linked institution driving long-term economic impact through property sector development. Its unique position as both a market leader and digital innovator presents a blueprint for financial institutions in emerging Asian economies.
Organized by Global Brands Magazine (UK), the Global Brand Awards honor excellence in branding, service quality, and innovation across industries. Each winner undergoes a rigorous selection process, ensuring the awards reflect genuine industry leadership.
