24
Excludes O verseas Includes Government Bonds
Includes Allocated Cost Balance of pre-provision operating profit attributable to funds transfer pricing on capital not allocated to BU
55.3 10.7
625 316
43 27
300 2
302 24,782
CRG
19.9 20.0
8.4 24.9
35.4 of Pre-Prov. O perating Profit
647 399
147 515
559 O perating Profit Incl. Provision
55.3 589
50 404
235 3
238 7,235
105,966 Treasury
35.3 592
1,592 554
1,631 1,598
32 110,146
7,929 Micro
Retail
23,426 58,428
D eposits Borrowings Avg. Bal. 11,507
22,534 25,786
Earning Assets Avg. Bal.
368 370
337 Interest Margin on Assets
61 46
80 O ther O perating Income
374 883
1,111 Total Interest Margin
6 513
774 Interest Margin on Liabilities
187 193
145 O ther O perating Expenses
13.0 45.6
49.4 of O perating Profit Incl. Prov.
247 736
1,045 Pre-Provision O perating Profit
Cons. Finance
Corp. Business Unit Performance Rp bn
Comm.
25 Corporate
Consumer Retail
D ominant Bank in Indonesia, with 20-30 market share of revenue across all segments, with distinctive strategies for each business that capture synergies across different market segments
To be the customers’ bank of choice, offering the most extensive range of products and most convenient access D ominant Bank in Indonesia, with 20-30 market share of revenue across all segments, with distinctive strategies for each
business that capture synergies across different market segments To be the customers’ bank of choice, offering the most extensive range of products and most convenient access
Commercial Treasury FIO N
D ominant Multi-specialist Bank Model
Form Client Service Teams CST and initiate
strategic alliance programs with Pertamina
Establish Corporate Floor in strategic cities
Establish Automotive CBC in Jakarta
Set CBC Team in 5 big cities
Form alliances with several national
companies
O ffer cash management services to optimize
cross selling
Strategic partnership with Master Card
International
Consumer loan financing in alliance with
Pertamina and Chevron
Expand with 12 new branches
Launch Mandiri Fiesta 3000 Program and
Regional Based Promo
N ew agreement with 15 correspondent banks;
D eutsche Bank, ABN Amro, BO N Y, Bank
Shinta, etc.
Launch 6 new FX products.
Acquire new customers
Implement sophisticated
money market
business support system
Selected Key Business Initiatives through Q 2 2006
26
Example of C ST Alliance Program in PT Telkom
CustomerChannel Telkom
Supplier Employees
End User End User
Facilities to sub-contractor that provides construction as well
suppliers for various requirements
Cash Loan
N on Cash Loan
E-BIZ for Small Business segment
Leveraging on the large number of employees
Payroll Package for payment of salaries to employees
Consumer Loans for the employees of the company,
ex. Mitra Karya
O ptimize Funding and Lending facilities through our
CST Program to increase share of wallet by offering:
Cash Loans
N on Cash Loans
Cash Management Systems
Treasury products to better manage currency exposure
from importing capital goods
Trade products, particularly for import of capital goods
Leverage Telkom’s customer base to cross-sell our several
products such as:
Co-branding or introducing Credit Cards
Cross-sell consumer loan products
O ffer wealth products to selected customers
Bill payment In addition, we are also
looking for opportunities to leverage Telkom’s outlets to
sell Bank Mandiri products
Value Chain Value Chain
Telkom Group Telkom Group
27
Gross Expansion
Gross Expansion
Bank O nly
98,070 14,709
100,085 5,766
2,304 3,787
827 10,886
1,592 1,044
9,602 100,325
D ec ‘05 D isburse Term Payment
FX Impact
Payment Mar ‘06 Jun ‘06
W O ff D isburse
FX Impact
Term Payment
Payment
Gross Expansion
Gross Expansion
28
14.84 0.80