JAKARTA (Yosefardi) – PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) posted profit attributable to equity of Rp1.37 trillion in first nine months to September 2015, declined 2.96% from Rp1.42 trillion in the same period of 2014.

Net interest income rose 8.98% to Rp5.7 trillion from previous Rp5.2 trillion. Net interest margin (NIM) was 9.92%. But operating profit fell 1.5% to Rp1.91 trillion from earlier Rp1.94 trillion.

The bank’s assets reached Rp80.1 trillion of which loans accounted for Rp53.7 trillion. While liability totaled Rp66.5 trillion of which time deposits amounted Rp47.89 trillion.

BTPN’s capital adequacy ratio (CAR) stood at 23.8% and loan to deposit ratio (LDR) was 96.47%.