Q u
a rt
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y M
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in A
n a
ly si
s b
y C
u rr
e n
c y
Q u
a rt
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M a
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s Q
u a
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F o
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u rr
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s
1.4 1.2
1.6 2.4
2.5 2.4
2.1 2.5
3.9 4.0
3.5 4.1
3.6 4.7
4.6 4.9
5.1
3.0 2.5
1.9 3.7
4.1
2.1 2.6
2.4 3.5
4.5
1.4
1 3
.2
1 5
.9 1
4 .1
1 8
.3
1 8
.9 1
1 .9
1 .8
8 .2
1 .2
1 4
.0
1 7
.6
1 2
.5 1
.4
1 1
.9
7 .4
8 .5
1 3
.1
1 7
.6
1 4
.0 6
.9
5 .4
7 .3
1 1
.7
1 4
.4
1 1
.1
Q 1 00 Q 2 00
Q 3 00 Q 4 00
Q 1 01 Q 2 01
Q 3 01 Q 4 01
Q 1 02 Q 2 02
Q 3 02 Q 4 02
Q 1 03 Q 2 03
Q 3 03 Q 4 03
Q 1 04 Q 2 04
Q 3 04 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
A v
g S
p re
a d
A v
g L
o a
n Y
ie ld
A v
g B
o n
d Y
ie ld
A v
g 1
-M o
. S
B I
A v
g C
O F
0.5 1.6
0.4 -0.5
0.8 1.0
1.6 2.9
3.4 2.5
1.3 0.1
-0.2 -0.8
1.6 0.9
1.2
0.8 2.2
1.4
0.6
0.2
-2.9 3.0
2.9
3.0 1.4
3.1
5 .1
7 .3
6 .5
1 1
.8
5 .7
5 .6
7 .6
3. 5
5 .3
4 .0
Q 1 00 Q 2 00
Q 3 00 Q 4 00
Q 1 01 Q 2 01
Q 3 01 Q 4 01
Q 1 02 Q 2 02
Q 3 02 Q 4 02
Q 1 03 Q 2 03
Q 3 03 Q 4 03
Q 1 04 Q 2 04
Q 3 04 Q 4 04
Q 1 05 Q 2 05
Q 3 05 Q 4 05
Q 1 06 Q 2 06
Q 3 06 Q 4 06
A v
g S
p re
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A v
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A v
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48 Details of Q 4 2005 2006
1 7
.4 1
4 5
.6 1
4 1
.3 1
3 6
.7 1
3 4
.1 1
6 3
.6 1
3 3
.5 1
3 9
.2 1
4 9
.6 1
4 3
.3 60.6
38.5 88.3
81.4 65.5
91.2 75.4
97.1 32.8
17.0 34.6
13.7 70.3
41.2 4.3
19.8 10.9
76.9 56.4
64.7 56.7
62.1 92.3
61.3 48.8
75.4 65.2
113.5
54.9 58.2
66.6
20.3 23.2
25.4 25.1
26.1 32.4
38.0 38.6
37.5 39.9
39.9 41.3
6.5 55.4
22.7 21.8
17.8 28.7
20.9 20.4
26.5 27.5
31.6
1 1
2 .5
1 2
7 .5
1 1
6 .8
1 9
.1 1
2 .3
1 6
.8 1
2 2
.2 38.6
Q 1
4 Q
2
4 Q
3
4 Q
4
4 Q
1
5 Q
2
5 Q
3
5 Q
4
5 Q
1
6 Q
2
6 Q
3
6 Q
4
6 Credit Cards
Transfer , Coll., Clearing Bank Ref. O pening LC Bank Guarantees
Fee from Subsidiaries O thers
Admin. Fees for D eposits Loans
7.3 9.6
11.5 12.412.812.812.1
10.9 14.5
13.3 14.8
17.7
of O perating Income
N on-loan Related Fees Commissions jump on LCs
N on-loan related fees commissions
N on-Loan related fees commissionsTotal O perating Income O thers include Custodian Trustee fees, Syndication,
Mutual Funds, Payment Points, etc.
17.9 526.9
447.0 T otal
89.8 38.6
20.4 Credit Cards
7.1 41.3
38.6 Transfers,
Collections.. 7.7
122.2 113.5
LC Guarantees
227.2 64.7
19.8 Subsidiaries
28.0 116.8
91.2 O thers
-12.4 143.3
163.6 Admin. Fees
Y-o-Y
U
Q 4 2006
Q 4 2005
N on-Loan Related Fees
Commissions Rp billion
44.0 42.3
42.6 59.2
51.3 51.6
58.1 61.0
56.1 64.3
72.5 77.8
79.5 89.5
91.9 94.2
96.2 102.3
108.9 114.1
115.9 117.5
115.9 110.7
110.7 110.4
112.2
15.5 14.6
