10
Savings deposit volume begins to recover
15. 3
16. 6
16. 6
18. 17.
6 19.
7 19.
8 22.
1 22.
3 24.
4 25.
1 29.
6 28.
9 31.
9 33.
4 40.
5 40.
5 42.
3 44.
6 52.
49. 5
47. 8
44. 2
45. 2
22.7 27.1
30.6
10.3 16.2
11.7 11.0
22.8
16.0 16.8
17.4 16.9
13.5 11.5
11.2 15.2
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Q3 4
Q1 5
Q3 5
Savings Deposits Rp tn As of Total Deposits
National Share of Savings Deposits
3.7 6.1
3.7 3.4 3.5
6.0 4.8
4.3 9.5
6.9 5.3
10.6 11.4
6.8 8.4
13.9
6.4 17.1
11.9
7.8 13.1
8.5 7.4
17.0
Rp DD Rp Savings
Rp TD 1 Mo. SBIs
Savings Deposit Growth Average Quarterly Deposit Costs
SBI TD
SD DD
2.7 2.4
0.8 0.5
1.4 4.4
2.6 1.7
1.1 1.9
2.1 4.0
Q1 2
Q2 2
Q3 2
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
Q2 5
Q3 5
Q4 5
FX DD FX TD
FX TD FX DD
11
Margins contracted as funding needs rapidly drove up costs
All figures - Bank Only
2. 6
2. 5
3. 2.
4 2.
5 3.
3. 3.
9 2.
9 2.
9 3.
4 2.
8 3.
3. 3
3. 3
3. 7
4. 7
4. 5
4. 4.
3 4.
3 3.
6 3.
8 3.
6 0.
8 0.
8 1.
8 2.
2 1.
1 1.
5 1.
7 2.
2 2.
1 2.
2. 5
2. 2
2. 2
2. 5
3. 2
3. 2
4. 2
4. 2
3. 8
4. 1
4. 1
3. 4
3. 7
3. 4
Q1 Q2
Q3 Q4
Q1
1 Q2
1 Q3
1 Q4
1 Q1
2 Q2
2 Q3
2 Q4
2 Q1
3 Q2
3 Q3
3 Q4
3 Q1
4 Q2
4 Q3
4 Q4
4 Q1
5 Q2
5 Q3
5 Q4
5
Spread NIM
11.3 10.9
11.9 13.0
12.3 12.612.8
13.0 13.9
13.613.5 13.0
11.8 11.5
10.4 9.5 9.3
8.8 8.7
8.2 9.4
10.7 10.5
10.110.1 10.8
11.211.111.1 10.8
11.811.6 11.010.8
9.6 9.1
7.2 6.3
5.7 8.9
8.4
7.3
4.8 4.6
4.8 4.6
4.6 5.1
Yield on Assets Cost of Funds
12
Quarterly Margin Analysis by Currency
Quarterly Rupiah Margins Quarterly Foreign Currency Margins
1. 4
1. 2
1. 6
2. 4
2. 5
2. 4
2. 1
2. 5
3. 9
4. 3.
5 4.
1 3.
6 3.
2. 5
1. 9
3. 7
4. 1
2. 1
2. 6
2. 4
3. 5
4. 5
1. 4
15.9
14.1 18.3
18.9
11.9 13.3
10.2 8.2
10.2 14.0
17.6
12.5 11.9
7.4 8.5
13.1 17.6
14.0
5.4 7.3
11.7 14.4
11.1 7.7
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Q3 4
Q1 5
Q3 5
Avg Spread Avg Loan Yield
Avg Bond Yield Avg 1-Mo. SBI
Avg COF
0. 5
1. 6
0. 4
-0 .5
0. 8
1. 1.
6 2.
9 3.
4 2.
5 1.
3 0.
1 -0
.2 0.
8 2.
2 1.
4 0.
6 0.
2 -2
.9 3.
2. 9
3. 1.
4 3.
1
5.8 7.3
6.5 11.8
5.7 5.6
7.6
3.5 4.4
5.6
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Q3 4
Q1 5
Q3 5
Avg Spread Avg Loan Yield
Avg Bond Yield Avg USD 1Mo SIBOR
Avg COF
13 Details of Q4 2004 2005
107.4 145.6
141.3 136.7
134.1 163.6
60.6 38.5
88.3 109.1
81.4 65.5
102.3 91.2
32.8 17.0
34.6 13.7
70.3 41.2
4.3 19.8
56.7 62.1
92.3 61.3
48.8 75.4
65.2 113.5
20.3 23.2
25.4 25.1
26.1 32.4
38.0 38.6
6.5 55.4
22.7 21.8
17.8 28.7
20.9 20.4
112.5 127.5
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
Q2 5
Q3 5
Q4 5
Credit Cards Transfer, Collection, Clearing Bank Reference
Opening LC Bank Guarantees Fee from Subsidiaries
Others Administration Fee for Deposit Loan
7.3 9.6
11.5 12.4 12.8 12.8 12.1
17.7
of Operating Income
Non-loan Related Fees Commissions rebound
Non-loan related fees commissions
Non-Loan related fees commissionsTotal Operating Income Others include Custodian Trustee fees,
Syndication, Mutual Funds, Payment Points, etc.
18.8 446.98