A T
M t
ra n
sf e
r a
n d
p a
y m
e n
t tr
a n
sa c
ti o
n s
c o
n ti
n u
e t
o g
ro w
315.3 354.5
422.5 492.1
521.8 554.9
576.6 607.5
627.6 665.7
710.2 677.0
203.9 232.9
290.5
159.0 226.2
271.8 268.7
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
O th
e r
P a
y m
e n
t
T ra
n sf
e r
W it
h d
ra w
a l
In q
u ir
y
A v
g D
a il
y V
o lu
m e
A T
M A
v e
ra g
e D
a il
y T
ra n
sa c
ti o
n V
o lu
m e
A T
M A
v e
ra g
e D
a il
y T
ra n
sa c
ti o
n V
a lu
e
8.3 12.2
19.5 25.4
29.4 41.7
56.4 62.6
65.6 88.3
97.4 98.0
95.6 113.2
146.8 176.2
186.8 201.6
218.7 234.4
242.0 256.2
285.0 272.2
17.2 20.1
29.2 37.7
46.1 53.2
62.3 43.9
75.3 81.5
92.6 99.7
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
O th
e r
P a
y m
e n
t
T ra
n sf
e r
W it
h d
ra w
a l
A v
g D
a il
y V
a lu
e R
p B
n
9 Average Daily T ransactions for SMS Call Centers
106 6,988
1,722 11,435
8,233
1,356 695
1,069 3,072
3,808
679 706
27 159
1,023 1,016
1,086 1,175
Q 3
2 Q
4
2 Q
1
3 Q
2
3 Q
3
3 Q
4
3 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
SMS Trans. 000 Call Center Trans. 000
Growth in other channels shows the strength of our franchise
U sers for O ther e-Banking Services
D ebit Cards reintroduced in Jan. ‘04
341 1,014
2,665 3,772
4,429 5,024
7 18
72 164
234 497
680 1,132
1,523 1,897
5,752
469 11 22
166 199
258 358
Q 3
2 Q
4
2 Q
1
3 Q
2
3 Q
3
3 Q
4
3 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
D ebit Cards Issued 000 SMS Subs. 000
Internet Bank. Subs. 000
Q u
a rt
e rl
y M
a rg
in s
re a
c h
4 .9
o n
d e
c li
n in
g C
o st
o f
F u
n d
s
A ll
f ig
u re
s - B
a n
k O
n ly
2.6 2.5
3.0 2.4
2.5 3.0
3.0 3.9
2.9 2.9
3.4 2.8
3.0 3.3
3.3 3.7
4.7 4.5
4.0 4.3
4.3 3.6
3.8 3.6
4.2 4.1
4.6 4.9
0.8 0.8
1.8 2.2
1.1 1.5
1.7 2.2
2.1 2.0
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
4.1 3.8
4.3 4.6
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
S p
re a
d N
IM
1 1
.3 1
.9 1
1 .9
1 3
.0 1
2 .3
1 2
.6 1
2 .8
1 3
.0 1
3 .9
1 3
.6 1
3 .5
1 3
.0 1
1 .8
1 1
.5 1
.4 9
.5 9
.3 8
.8 8
.7 8
.2 9
.4 1
.7 1
1 .8
1 1
.4 1
1 .6
1 1
.0
1 .5
1 .1
1 .1
1 .8
1 1
.2 1
1 .1
1 1
.1 1
.8 1
1 .8
1 1
.6 1
1 .0
1 .8
9 .6
9 .1
7 .2
6 .3
5 .7
7 .8
7 .6
7 .3
6 .4
8 .9
8 .4
7 .3
4 .8
4 .6
4 .8
4 .6
4 .6
5 .1
Y ie
ld o
n A
ss e
ts
C o
st o
f F
u n
d s
11
3 7
9 2
7 6
3 5
9 3
3 6
3 1
4 4
2 8
2 7
7 5
3 3
6 5
5 4
7 2
7 7
5 3
8 8
4 6
6 1
8 7
4 9
5 2
1 6
7 7
6 3
1 ,0
3 4
6 7
8 7
9 3
7 6
7 8
4 2
7 8
8 8
1 1
,0 1
6 3
7 0 32
5 2
9 9
2 9
8 4 6
3 2
2 3
8 9
4 7
5 4
8 4
9 5
4 1
9 3
7 7
5 2
7 5
5 5
5 9
7 7
2 3
6 4
6 7
7 6
6 7
1 ,2
4 1
7 4
4 7
9 8
6 9
6 3
7 6
9 5
2 1
1 3
2 7
6 4
9 9
5 7
Q 1
Q 2
Q 3
Q 4
Q 1
1 Q
2
1 Q
3
1 Q
4
1 Q
1
2 Q
2
2 Q
3
2 Q
4
2 Q
1
3 Q
2
3 Q
3
3 Q
4
3 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 GA Expenses Rp bn
Personnel Expenses Rp bn
Full Year Average Cost to Income Ratio dropped to 48.8
54.3 83.3
