At a poky BTPN branch in Ciracas, on the southern rim of Jakarta, a dog-eared sign hangs on the door and the floor could use a polish.

在雅加达南部边境Ciracas，一个简陋的BTPN分行门上挂了一个卷了边的招牌，地板也需要打磨一下。

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Retired people get a tailored approach, too: BTPN operates branches that open at 5.30am on the first of the month, when state pensions are paid.

退休人员也能够享有为其定制的服务通道：BTPN要求其分支机构在每月第一天于早上五点半开始营业，因为在那一天发放国家退休金。

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Among the keenest of them is Bank Tabungan Pensiunan Nasional (BTPN), which entered the market in 2008 after a buy-out by Texas Pacific Group, a private-equity firm.

其中最有竞争力的是国家退休基金储蓄银行（下文称BTPN），它被私募公司德克萨斯太平洋集团收购，之后于2008年进入小额信贷市场。

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