23
Pe rform anc e to Date H1 ‘07 Bre akdown of Tre as ury Fe e -Bas e d Inc om e
Rp b n
Sig nificant fe e income g e ne rator for the b ank
Tre as ury
596 55
651 90
445
261 35
Assets Spread
Liabilities Spread
Fee Based O verhead
O perating Profit
Provision N et Profit
Custody Fees; 3.8
Subsidiaries; 7.9
Forex; 30.4
Fixed Income; 42.6
PO L T ransfer;
3.6 O thers;
11.7
Earning on SBI Sale s c hang e s in value
24
972 248
1,220 67
72
699 516
Asset Spread
Liabilities Spread
Fees O verhead
O perating Profit
Provisions Profit After PPAP
Pe rform anc e to Date H1 ‘07 – PL Contribution M arg in afte r PPAP
972
649
H 1 2006 H 1 2007
Ge ne rating b alance d re ve nue s from an e me rg ing b usine ss
Rp b n Rp b n
Com m e rc ial
49.8
25
Com m e rc ial Ope rating Profit by Ge og raphy Jun ‘07 Com m e rc ial Loans by Se c tor
Com m e rc ial
Utilities 1.7
Mfg 33.2
O thers 12.1
Social Services
1.5 Services
5.5 Agri
8.3 Mining
2.9
Constr 15.5
Trans 5.0
Trading 14.3
O ther 11.9
Sumatera 15.7
Jakarta 55.1
Java ex- Jakarta
17.3
26
Solid g rowth in p rofitab ility d rive n b y imp roving liab ilitie s sp re ad
M ic ro Re tail
Pe rform anc e to Date H1 ‘07 Contribution M arg in afte r PPAP
1,314
733
H 1 2006 H 1 2007
Rp b n Rp b n
Includ e s De p osit Insurance
79.3
1,314 160
1,475 1,437
695
332 1,885
Asset Spread
Liabilities Spread
Fees O verhead O perating
Profit Provisions
Profit After
PPAP
27
Build ing a strong saving s d e p osit franchise
1 8
.0 2
2 .1
2 9
.6 4
.5 5
2 .0
4 9
.5 4
7 .8
4 4
.2 4
5 .2
4 1
.8 4
4 .7
4 6
.6 5
7 .6
5 7
.2 6
2 .5
11.0 24.9
24.5 22.8
31.7
17.1 16.0
17.5 11.6
Q 4
Q 4
1 Q
4
2 Q
4
3 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 Q
1
7 Q
2
7
Savings D eposits Rp tn As of T otal D eposits
N ational Share of Savings D eposits
Saving s De pos it Growth
M ic ro Re tail
Trans ac tion c hanne l g rowth
4 9
2 .1
5 2
1 .8
5 5
4 .9
5 7
6 .6
6 7
.5 6
2 7
.6 6
6 5
.7 7
1 .2
6 7
7 .0
7 6
.3 7
5 9
.6
Avg AT M D aily Vol 000 W ithdrawalInquiry
T ransfer Payment
O ther
5 ,0
5 6
6 ,9
8 8
7 ,3
6 4
8 ,2
3 3
1 ,1
4 2
1 1
,4 3
5 1
2 ,1
4 1
1 ,8
1 3
679 1,0161,010
1,023 1,083
1,0861,053 1,175
1,472 1,722
1,4851,833
106 3
,8 8
3 ,2
3 3
,0 7
2 1,069
27
Q 4
Q 4
1 Q
4
2 Q
4
3 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 Q
1
7 Q
2
7
Q uarterly C all C enter T rans. 000 Q uarterly SM S T rans. 000
28
642 843
202
Q 2 2006 Growth
Q 2 2007
1,069 1,140
71
Q 2 2006 Growth
Q 2 2007
245 430
185
Q 2 2006 Growth
Q 2 2007
Focus on Growing Hig h Yie ld Small Micro Loans
M ic ro Re tail
M ic ro Cre dits Rp Bn
Coope rative Cre dits Rp Bn
Loan Yie lds
13.2 26.8
14.5
31 7
76
Rural Bank Cre dits Rp Bn
29
7 494
88 152
437 117
320
Asset Spread
Liabilities Spread
Fees O verhead O perating
Profit Provisions
Profit After
PPAP
Pe rform anc e to Date H1 ‘07 Contribution M arg in afte r PPAP
320
232
H 1 2006 H 1 2007
Rp b n Rp b n
Sig nificant g rowth in sp re ad and fe e income
Exclud ing BSM
37.9
Cons um e r Financ e
30
328 1
,9 2
1 1
,9 1
8 1
,9 3
2 1
,9 3
8 1
,9 6
1 ,9
9 6
2 ,1
6 5
2 ,2
8 5
2 ,4
2 7
815 494
816 727
653 688
1 ,5
2 2
1 ,9
9 6
2 ,5
9 1
3 ,6
6 3
3 ,6
1 3
,5 7
4 3
,4 5
2 3
,2 5
2 ,8
8 5
3 ,0
5 3
,8 6
5
283 2
,8 5
2 3
,5 6
7 3
,4 4
3 ,5
2 2
3 ,6
6 6
3 ,8
6 7
3 ,9
7 9
4 ,0
3 3
4 ,1
3 1
4 ,2
2 3
4 ,2
1 7
1 ,9
3 2
,6 4
4
1 ,8
2 1
,2 7
1 ,2
6 1
,2 5
7 1
,4 2
6 1
,3 5
8 1
,2 9
3 1
,2 3
1 1
,2 4
1 1
,2 7
9 1
,3 6
7 1
,3 5
4 8
8 8
7 9
2 8
7 6
9 5
9 1
,5 4
4 1
,0 3
9 1
,0 1
7
2,000 4,000
6,000 8,000
10,000 12,000
14,000
Q 4
3 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
Q 1
7 Q
2 7
O ther Cash Collateral Loans
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Consume r le nd ing rose 8.1 Y-o-Y
2.12 16.06
Cash Collate ral Loans
5.06 14.95
Cre d it Card s
8.94 32.43
Payroll Loans
3.35 14.46
Home Eq uity Loans
5.05 11.95
Mortg ag e s
Growth
Q-o-Q Y-o-Y
8. 08
65.74 51.90
Othe r
Total Cons um e r
Loan Typ e
3. 81
Auto Motorcycle Loans channe le d or e xe cute d throug h finance comp anie s = Rp 3.43 tn in our Comme rcial Loan
Portfolio
Quarte rly Cons um e r Loan Balanc e s by Type Cons um e r Loan Growth by Type
Cons um e r Financ e
