8
73.4 67.1
68.0 68.6
67.7 66.0
62.8 10.8
11.0 11.4
11.7 13.5
16.3 17.7
15.8 21.9
20.6 19.7
18.8 17.7
19.5
20 40
60 80
100
H1 2000 H2 2000
H1 2001 H2 2001
H1 2002 H2 2002
H1 2003 Time
Savings Demand
20 40
60 80
100
Funding Mix Improves
163 190
154 184
184 183
174 Total
Rp Tr
Deposit Analysis
1
Consumer Commercial Deposits By Depo
sit Type By Customer Type
9
Savings Deposit Growth Generating a Better Funding Mix
22.3 24.7
29.9 32.5
16.6 19.8
18.0 11.0
11.4 11.7
13.5 16.3
17.7
10.8
5 10
15 20
25 30
35 40
H1 2000 H2 2000
H1 2001 H2 2001
H1 2002 H2 2002
H1 2003 2
4 6
8 10
12 14
16 18
Savings Deposits of Total
Savings Deposits, Rp. Trillion o
f Total Deposits 8.5
9.9 8.7
21.3 10.7
12.6 Growth
10
Enhanced Distribution System
Prior to Legal Merger
Prior to Legal Merger
June 2003 June 2003
406 full fledged branches
174 sub branches 160 cash outlets
513 ATMs 54 hubs
422 spokes 215 cash outlets
1,574 ATMs
Enhanced Distribution Network
1,574 533
1,184 1,559
248 176
63 16
500 1,000
1,500 2,000
2,500
2000 2001
2002 H1 2003
50 100
150 200
250
ATMs ATM Transactions 000
of Distribution Outlets Avg. Daily
ATM Trans
a c
tion Volume ‘00 15-fold increase in
electronic transactions within 2.5 years
ATM Transaction Growth
Distribution Capability
ATMs ATMs
Cash Cash
Outlets Outlets
Tele Tele
- -
banking banking
Mobile Mobile
Banking Banking
Internet Internet
Banking Banking
1 1
Branches Branches
Distribution Distribution
Capability Capability
CBCs CBCs
Priority Priority
Banking Banking
1Internet Banking to be introduced in 2003
11
Recap Bond Portfolio
AFS 21.5
HTM 75.5
Trading 3.0
Fixed 26.6
Variable 64.4
Hedge 9.0
Breakdown as of Jun 2003
5 Years 87.8
1 Year 1.7
1 - 5 Years 10.5
During H1 2003, we sold Rp. 13.29 trillion in Re-cap bonds, with an aggregate realized gain on the PL of Rp 1.16 trillion
1.2 137.0