PT Bank BTPN Tbk is a foreign exchange commercial bank, which provides services for pensioners, micro, small, and medium business owners, and productive poor or mass market. It operates through the following five segments: Retail Banking, Business Banking, Corporate Banking, Treasury, and Sharia Banking. The Retail Banking business segment is divided into several main business units, including digital banking through Jenius, wealth management business, retail lending business, which includes pension business, micro businesses, and joint finance. The Business Banking business segment, offers a comprehensive range of products and services, including loan, funding, and other banking services. The Corporate Banking business segment consists of Japanese corporate and non-Japanese corporate business lines. The Treasury business segment serves customers' needs for treasury products such as foreign exchange, securities, bonds, and derivatives. The Shariah Banking segment focuses on treasury se