PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) is the Indonesian financial institution providing a broad spectrum of banking services to different categories of clients almost in 500 departments located through the whole country. A holder of a controlling stake of bank (39.9%) is Sumitomo Mitsui Banking Corporation (SMBC), one of the largest banks of Japan. BTPN specializes in service of the population and owners of small and medium business. As of 2018 the bank takes the 4th place among the largest creditors in the market of micro, small and medium business of Indonesia.