PT Bank Tabungan Negara (Persero) Tbk is an Indonesia-based company that is engaged in providing banking services. The Company’s segments include Conventional and Sharia. Its products include consumer banking, commercial products and sharia banking. Its consumer banking offers consumer loan products, including housing loans and non-housing loans; consumer saving products, including consumer savings, Deposito BTN Ritel; wealth management products, including bancassurance, mutual funds, secondary market government bonds, Indonesia retail bonds and foreign exchange. Its commercial products offer commercial loan products, including working capital loans and investment loans, and commercial savings products, including time deposits for institutions and commercial demand deposits. Its Sharia banking offers sharia financing products, including consumer financing and commercial financing, and sharia savings products, including sharia demand deposits, sharia savings and sharia time deposits.