533554185.

xls

1998 1999 2000 2001 2002 2003

Average total funding (Rp. Million) 9,152,106 14,438,616 28,559,443 44,132,473 61,938,782 77,011,720
Growth of average total funding 58% 98% 55% 40% 24%

Average balance/account 4.33 4.42 4.55 4.74 4.97

Growth of average balance 2% 3% 4% 5%
Spread from TPR 1% 1% 1% 2% 2% 2%

# of account (based on X-sell) 3,330,884 6,459,271 9,690,692 13,077,534 15,485,696

# of account BRANCH ONLY (based on Trx) 3,330,884 4,960,382 8,088,769 11,320,190 14,707,032

1998 1999 2000 2001 2002 2003

Composition
100% 100% 100% 100% 100%
DD 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SA 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
TD 0.00% 100.00% 100.00% 100.00% 100.00% 100.00%
IDR 0.00% 80.98% 83.13% 84.39% 86.13% 87.79%
SA 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
DD 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
TD 0.00% 100.00% 100.00% 100.00% 100.00% 100.00%
USD 0.00% 19.02% 16.87% 15.61% 13.87% 12.21%

0%
FUNDING COMPOSITION
DD - - - - - -
SA - - - - - -
TD - - - - - -
IDR - - - - - -

Funding
 533554185.xls

SA - - - - - -
DD - - - - - -
TD - - - - - -
USD - - - - - -
USD in IDR - - - - - -
- - - - - -

SPREAD
DD 0% 0% 0% 0% 0% 0% 0%
SA 0% 0% 0% 0% 0% 0%
TD 0% 0% 0% 0% 0% 0%
Average 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SA 0% 0% 0% 0% 0% 0%
DD 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
TD 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Average 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Interest Income
DD - - - - - -
SA - - - - - -
TD - - - - - -
Total - - - - - -
SA - - - - - -
DD - - - - - -
TD - - - - - -
Total - - - - - -
Total in IDR - - - - - -
TOTAL NII IDR - USD - - - - - -

Funding
 533554185.xls

Cross check of model accuracy

I Population Within Bank Coverage
CAGR Size of workforce (1998) Pupolation
Cities 1995 1996 1997 1998 1999 2000 2001 2002 2003 95-00 BCG Model SRI data size Remarks Deviation
1 Balikpapan 416,200 431,200 446,600 466,000 478,400 494,900 512,343 530,400 549,094 3.52%
2 Bandung 2,368,200 2,429,000 2,490,100 2,551,300 2,613,000 2,674,000 2,739,744 2,807,105 2,876,121 2.46% 995,656 917,000 7.90%
3 Batam 168,200 183,400 199,700 217,300 236,200 256,500 279,087 303,663 330,403 8.81%
4 Bogor 647,912 671,405 695,750 720,977 747,120 774,210 802,282 831,373 861,518 3.63%
5 Cirebon 262,300 263,500 264,400 265,200 265,900 266,400 267,228 268,058 268,891 0.31%
6 Denpasar 435,000 444,000 453,100 462,100 471,100 479,900 489,422 499,132 509,035 1.98%
7 Jakarta, Tangerang, Bekasi 13,138,900 13,529,100 13,929,400 14,319,300 14,750,700 15,167,500 15,609,357 16,064,085 16,532,061 2.91% 3,787,263 3,645,000 9,704,600 Jakarta city only 3.76%
8 Jember 194,621 198,766 203,000 207,324 211,740 216,250 220,856 225,560 230,365 2.13%
9 Lampung 832,400 871,700 911,400 951,800 992,500 1,033,700 1,079,461 1,127,248 1,177,150 4.43%
10 Malang 763,400 775,900 788,600 799,500 810,600 821,200 833,275 845,527 857,960 1.47% 322,118 316,000 Year 1996 1.90%
11 Medan, Binjai 2,116,500 2,152,800 2,189,100 2,223,700 2,257,900 2,291,300 2,327,956 2,365,198 2,403,035 1.60% 782,460 696,000 2,005,000 11.05%
12 Padang 721,500 739,500 757,600 775,600 793,800 812,300 831,788 851,743 872,177 2.40% 302,681 229,000 24.34%
13 Palembang 1,352,300 1,394,300 1,436,500 1,479,500 1,523,200 1,567,100 1,613,992 1,662,288 1,712,028 2.99% 577,381 464,000 19.64%
14 Pekanbaru 558,200 593,700 630,900 669,700 710,200 752,700 799,076 848,310 900,578 6.16%
15 Pontianak 449,100 459,100 469,000 478,800 488,800 498,700 509,259 520,041 531,052 2.12%
16 Purwokerto 244,402 249,608 254,925 260,354 265,900 271,564 277,348 283,255 289,289 2.13%
17 Samarinda 536,100 565,100 595,400 610,600 660,000 694,400 731,278 770,114 811,013 5.31%
18 Semarang 1,348,500 1,366,500 1,384,100 1,399,700 1,415,400 1,429,400 1,446,153 1,463,103 1,480,251 1.17% 546,239 584,000 -6.91%
19 Solo 514,684 517,072 519,470 521,879 524,300 526,732 529,175 531,629 534,095 0.46%
20 Surabaya, Sidoarjo, Gresik 4,971,100 5,060,200 5,148,800 5,237,900 5,324,100 5,410,460 5,502,886 5,596,891 5,692,502 1.71% 1,102,391 1,138,000 2,824,800 -3.23%
21 Tasikmalaya 1,871,600 1,879,500 1,886,600 1,892,400 1,897,200 1,900,800 1,906,694 1,912,607 1,918,538 0.31%
22 Tulung Agung 906,600 908,700 910,400 911,800 912,900 913,600 915,006 916,415 917,826 0.15%
23 Ujung Pandang 1,091,800 1,121,300 1,150,600 1,180,000 1,209,600 1,238,700 1,270,372 1,302,853 1,336,165 2.56% 460,500 341,000 25.95%
24 Yogyakarta 2,916,800 2,950,500 2,984,300 3,018,200 3,052,100 3,086,100 3,121,121 3,156,540 3,192,361 1.13% 1,177,866 164,000 86.08%

TOTAL 38,826,320 39,755,851 40,699,744 41,620,935 42,612,660 43,578,416 44,615,159 45,683,140 46,783,510 2.36% 10,054,555 8,494,000 15.52%

Drivers 1995 1996 1997 1998 1999 2000 2001 2002 2003
Unemployment rate 7.20% 7.50% 9.70% 15.50% 17.50% 13.00% 9.50% 9.00% 8.50%
Total labor force 86 89 91.60 94.40 97.20 100.10 103.10 106.20 109.38 2.99%
Total Indonesia population 195.3 198.3 201.4 204.4 207.4 210.4 213.6 216.8 220.0 1.50%

Employed labor force 80.18 82.33 82.71 79.77 80.19 87.09 93.31 96.64 100.08
Employed Labor force/population 41.05% 41.52% 41.07% 39.03% 38.66% 41.39% 43.69% 44.58% 45.49%

Bankable Population
- Jabotabek + Bandung + Batam +Bogor 52.00% 48.53% 45.05% 13.11% 13.11% 17.97% 22.83% 27.69% 32.54% -3.47% 4.86%
- Other major cities 35.00% 33.00% 30.99% 6.84% 6.84% 11.55% 16.26% 20.98% 25.69% -2.00% 4.71%

II Bankable Population EMPLOYEE & PROF

Cities 1995 1996 1997 1998 1999 2000 2001 2002 2003

1 Balikpapan 59,803.91 59,069.25 56,848.44 12,431.39 12,644.12 23,659.65 36,407.37 49,609.29 64,173.39
2 Bandung 505,569.88 489,345.09 460,748.22 130,568.89 132,489.43 198,902.93 273,258.29 346,489.72 425,747.85
3 Batam 35,907.80 36,947.67 36,950.89 11,120.85 11,976.27 19,079.51 27,835.75 37,482.08 48,909.07
4 Bogor 138,318.05 135,260.90 128,736.00 36,897.75 37,881.92 57,588.87 80,018.55 102,618.96 127,529.20
5 Cirebon 37,689.97 36,096.36 33,655.90 7,074.69 7,027.74 12,735.77 18,989.35 25,071.94 31,425.64
6 Denpasar 62,505.29 60,822.70 57,675.83 12,327.35 12,451.18 22,942.55 34,778.57 46,684.72 59,491.64
7 Jakarta, Tangerang, Bekasi 2,804,928.70 2,725,565.50 2,577,384.93 732,824.47 747,918.81 1,128,219.97 1,556,855.65 1,982,840.35 2,447,215.68
8 Jember 27,965.15 27,228.62 25,840.21 5,530.74 5,596.29 10,338.25 15,694.17 21,097.08 26,923.07
9 Lampung 119,607.82 119,412.50 116,013.58 25,390.99 26,231.80 49,418.03 76,707.13 105,433.57 137,575.24
10 Malang 109,693.19 106,289.04 100,382.17 21,328.11 21,424.18 39,259.05 59,212.99 79,083.71 100,270.99
11 Medan, Binjai 304,120.57 294,907.91 278,654.08 59,321.22 59,676.35 109,540.02 165,425.87 221,221.24 280,846.15
12 Padang 103,672.57 101,302.68 96,436.13 20,690.53 20,980.15 38,833.57 59,107.31 79,665.06 101,932.54
13 Palembang 194,312.42 191,002.46 182,854.41 39,468.34 40,258.21 74,918.24 114,691.22 155,476.79 200,087.16
14 Pekanbaru 80,207.94 81,329.82 80,308.28 17,865.46 18,770.60 35,984.28 56,782.83 79,344.01 105,251.79
15 Pontianak 64,531.32 62,891.22 59,699.77 12,772.86 12,919.00 23,841.32 36,188.23 48,640.42 62,064.81
16 Purwokerto 35,118.22 34,193.31 32,449.76 6,945.43 7,027.74 12,982.63 19,708.51 26,493.40 33,809.60
17 Samarinda 77,032.38 77,411.96 75,789.43 16,288.86 17,443.82 33,197.13 51,965.03 72,030.21 94,784.29

Popul.
 533554185.xls

18 Semarang 193,766.40 187,194.20 176,184.33 37,339.53 37,409.06 68,335.23 102,764.49 136,846.69 172,999.07
19 Solo 73,955.18 70,832.65 66,124.18 13,922.08 13,857.26 25,181.43 37,603.47 49,724.26 62,420.46
20 Surabaya, Sidoarjo, Gresik 714,298.96 693,187.02 655,399.09 139,730.47 140,716.09 258,657.49 391,038.26 523,487.44 665,290.79
21 Tasikmalaya 268,930.81 257,469.07 240,148.37 50,483.20 50,143.04 90,871.42 135,490.81 178,889.64 224,222.28
22 Tulung Agung 130,269.65 124,481.06 115,886.29 24,323.92 24,127.97 43,676.41 65,020.89 85,713.98 107,267.61
23 Ujung Pandang 156,881.09 153,604.72 146,461.74 31,478.64 31,969.76 59,218.45 90,273.33 121,858.20 156,159.45
24 Yogyakarta 419,115.93 404,183.29 379,876.38 80,515.95 80,667.08 147,536.97 221,788.69 295,236.97 373,095.75

TOTAL 6,718,203 6,530,029 6,180,508 1,546,642 1,571,608 2,584,919 3,727,607 4,871,040 6,109,494

III Calculation of bankable population in 1998 IV Bank SEGMENT SIZE

Income bracket Jakarta Other Cities EMPLOYEE & PROF 40%

Male Female Total Male Female Total ENTREPRENEUR 12%
400,000-450,000 HOUSE WIFE 23%
450,000-500,000 STUDENT 21%
500,000-600,000 RETIREE 4%
600,000-700,000
700,000-800,000
800,000-900,000 V POPULATION SEGMENT
900,000-1,000,000
1,000,000-1,250,000 104 56 160 67 33 100 HOUSE WIFE REAL HW STU '99 STU '03 TOTAL AVG
1,250,000-1,500,000 41 32 73 35 22 57 JAKARTA 24% 19.20% 22.68% 19.80% 10.11%
1,500,000-2,000,000 59 21 80 28 15 43 JOGJA 25.50% 21.68% 22.15% 19.92% 10.68%
2,000,000-2,500,000 40 18 58 16 8 24 BALI 25% 21.25% 19.08% 17.30% 9.86%
2,500,000-3,000,000 24 11 35 12 6 18
3,000,000-4,000,000 17 8 25 9 6 15 JKT HW 80% REAL STUDENT AGE 15 - 24
4,000,000-5,000,000 10 7 17 7 5 12 NON JKT HW 85% REAL 25 % FROM AVERAGE IS BANCABLE POPULATION
5,000,000-10,000,000 11 6 17 7 2 9
10,000,000 and over 10 3 13 3 2 5
316 162 478 184 99 283
2455 1190 3,645 2659 1481 4,140
13.11% 7%

VI Bankable Population HW & STUDENT

Cities 1995 1996 1997 1998 1999 2000 2001 2002 2003

1 Balikpapan 41,037.32 42,516.32 44,034.76 45,947.60 47,170.24 48,797.14 50,516.99 52,297.45 54,140.67
2 Bandung 239,425.02 245,571.90 251,749.11 257,936.43 264,174.30 270,341.40 276,988.13 283,798.29 290,775.88
3 Batam 16,584.52 18,083.24 19,690.42 21,425.78 23,289.32 25,290.90 27,517.98 29,941.17 32,577.75
4 Bogor 69,180.80 71,689.27 74,288.69 76,982.36 79,773.71 82,666.27 85,663.71 88,769.84 91,988.59
5 Cirebon 25,862.78 25,981.10 26,069.84 26,148.72 26,217.74 26,267.04 26,348.65 26,430.51 26,512.62
6 Denpasar 46,447.13 47,408.10 48,379.75 49,340.73 50,301.70 51,241.32 52,257.98 53,294.81 54,352.21
7 Jakarta, Tangerang, Bekasi 1,328,342.79 1,367,792.01 1,408,262.34 1,447,681.23 1,491,295.77 1,533,434.25 1,578,105.95 1,624,079.03 1,671,391.38
8 Jember 19,189.63 19,598.36 20,015.81 20,442.15 20,877.56 21,322.26 21,776.42 22,240.26 22,713.98
9 Lampung 82,074.64 85,949.62 89,864.04 93,847.48 97,860.50 101,922.82 106,434.87 111,146.66 116,067.04
10 Malang 75,271.24 76,503.74 77,755.96 78,830.70 79,925.16 80,970.32 82,160.90 83,369.00 84,594.85
11 Medan, Binjai 208,686.90 212,266.08 215,845.26 219,256.82 222,628.94 225,922.18 229,536.42 233,208.48 236,939.29
12 Padang 71,139.90 72,914.70 74,699.36 76,474.16 78,268.68 80,092.78 82,014.26 83,981.85 85,996.63
13 Palembang 144,391.83 148,876.38 153,382.29 157,973.61 162,639.68 167,327.10 172,334.02 177,490.76 182,801.81
14 Pekanbaru 55,038.52 58,538.82 62,206.74 66,032.42 70,025.72 74,216.22 78,788.94 83,643.40 88,796.96
15 Pontianak 44,281.26 45,267.26 46,243.40 47,209.68 48,195.68 49,171.82 50,212.93 51,276.08 52,361.74
16 Purwokerto 24,098.05 24,611.34 25,135.56 25,670.95 26,217.74 26,776.18 27,346.51 27,928.99 28,523.88
17 Samarinda 52,859.46 55,718.86 58,706.44 60,205.16 65,076.00 68,467.84 72,104.01 75,933.29 79,965.93
18 Semarang 143,986.09 145,908.04 147,787.28 149,452.97 151,129.34 152,624.19 154,413.02 156,222.83 158,053.84
19 Solo 50,747.89 50,983.27 51,219.74 51,457.31 51,695.98 51,935.76 52,176.65 52,418.65 52,661.78
20 Surabaya, Sidoarjo, Gresik 502,578.21 511,586.22 520,543.68 529,551.69 538,266.51 546,997.51 556,341.79 565,845.70 575,511.97
21 Tasikmalaya 184,539.76 185,318.70 186,018.76 186,590.64 187,063.92 187,418.88 188,000.07 188,583.07 189,167.87
22 Tulung Agung 89,390.76 89,597.82 89,765.44 89,903.48 90,011.94 90,080.96 90,219.64 90,358.53 90,497.64
23 Ujung Pandang 116,576.95 119,726.81 122,855.32 125,994.50 129,155.04 132,262.19 135,643.92 139,112.11 142,668.98
24 Yogyakarta 311,441.32 315,039.64 318,648.63 322,268.31 325,887.98 329,518.33 333,257.74 337,039.59 340,864.35

TOTAL 3,943,173 4,037,448 4,133,169 4,226,625 4,327,149 4,425,066 4,530,162 4,638,410 4,749,928

Popul.
 533554185.xls

VII Bankable Population

Cities 1995 1996 1997 1998 1999 2000 2001 2002 2003

1 Balikpapan 100,841.23 101,585.57 100,883.20 58,378.99 59,814.36 72,456.79 86,924.35 101,906.74 118,314.06
2 Bandung 744,994.90 734,916.99 712,497.33 388,505.32 396,663.73 469,244.33 550,246.43 630,288.01 716,523.73
3 Batam 52,492.32 55,030.91 56,641.31 32,546.63 35,265.59 44,370.41 55,353.73 67,423.25 81,486.83
4 Bogor 207,498.85 206,950.17 203,024.68 113,880.11 117,655.64 140,255.14 165,682.26 191,388.80 219,517.80
5 Cirebon 63,552.75 62,077.46 59,725.74 33,223.41 33,245.48 39,002.81 45,338.00 51,502.45 57,938.26
6 Denpasar 108,952.42 108,230.80 106,055.58 61,668.08 62,752.89 74,183.87 87,036.56 99,979.53 113,843.85
7 Jakarta, Tangerang, Bekasi 4,133,271.49 4,093,357.51 3,985,647.27 2,180,505.70 2,239,214.58 2,661,654.22 3,134,961.60 3,606,919.38 4,118,607.06
8 Jember 47,154.77 46,826.99 45,856.02 25,972.89 26,473.86 31,660.51 37,470.59 43,337.34 49,637.04
9 Lampung 201,682.46 205,362.12 205,877.62 119,238.47 124,092.30 151,340.85 183,142.00 216,580.22 253,642.28
10 Malang 184,964.43 182,792.78 178,138.13 100,158.81 101,349.34 120,229.37 141,373.90 162,452.71 184,865.84
11 Medan, Binjai 512,807.47 507,173.99 494,499.34 278,578.04 282,305.29 335,462.20 394,962.29 454,429.73 517,785.43
12 Padang 174,812.47 174,217.38 171,135.49 97,164.69 99,248.83 118,926.35 141,121.58 163,646.91 187,929.17
13 Palembang 338,704.26 339,878.85 336,236.70 197,441.95 202,897.89 242,245.35 287,025.24 332,967.56 382,888.97
14 Pekanbaru 135,246.46 139,868.64 142,515.02 83,897.88 88,796.32 110,200.50 135,571.77 162,987.41 194,048.74
15 Pontianak 108,812.58 108,158.48 105,943.17 59,982.54 61,114.68 73,013.14 86,401.16 99,916.50 114,426.55
16 Purwokerto 59,216.27 58,804.64 57,585.32 32,616.38 33,245.48 39,758.80 47,055.02 54,422.39 62,333.47
17 Samarinda 129,891.84 133,130.82 134,495.87 76,494.02 82,519.82 101,664.97 124,069.04 147,963.49 174,750.22
18 Semarang 337,752.49 333,102.23 323,971.61 186,792.50 188,538.39 220,959.41 257,177.51 293,069.52 331,052.91
19 Solo 124,703.07 121,815.93 117,343.92 65,379.39 65,553.24 77,117.19 89,780.12 102,142.91 115,082.24
20 Surabaya, Sidoarjo, Gresik 1,216,877.17 1,204,773.24 1,175,942.77 669,282.16 678,982.60 805,655.00 947,380.05 1,089,333.15 1,240,802.76
21 Tasikmalaya 453,470.57 442,787.77 426,167.13 237,073.84 237,206.96 278,290.30 323,490.88 367,472.70 413,390.15
22 Tulung Agung 219,660.41 214,078.88 205,651.73 114,227.40 114,139.91 133,757.37 155,240.53 176,072.51 197,765.25
23 Ujung Pandang 273,458.04 273,331.53 269,317.05 157,473.14 161,124.80 191,480.64 225,917.25 260,970.31 298,828.43
24 Yogyakarta 730,557.25 719,222.93 698,525.01 402,784.25 406,555.05 477,055.30 555,046.43 632,276.55 713,960.10

TOTAL 10,661,376 10,567,477 10,313,677 5,773,267 5,898,757 7,009,985 8,257,768 9,509,450 10,859,421

Popul.
 533554185.xls
I Relationship between Account, Customer and Transactions

# of account # of customer Mkt. Shares Active Transaction Trx shifted Trx at # of branch Actual Additional Customer
Cities 1999 1999 1999 Customer per month to D.C. branches (Trx based) Branch Branch per branch

1 Balikpapan 39,312 39,312 65.72% 39,312 48,384 431 47,953 #DIV/0! 5 #DIV/0! 7,862
2 Bandung 255,275 255,275 64.36% 255,275 314,183 2,798 311,385 #DIV/0! 27 #DIV/0! 9,455
3 Batam 27,257 27,257 77.29% 27,257 33,547 299 33,248 #DIV/0! 4 #DIV/0! 6,814
4 Bogor 47,935 47,935 40.74% 47,935 58,997 525 58,471 #DIV/0! 11 #DIV/0! 4,358
5 Cirebon 16,558 16,558 49.81% 16,558 20,379 181 20,197 #DIV/0! 4 #DIV/0! 4,140
6 Denpasar 36,019 36,019 57.40% 36,019 44,331 395 43,936 #DIV/0! 12 #DIV/0! 3,002
7 Jakarta, Tangerang, Bekasi 1,127,823 1,127,823 50.37% 1,127,823 1,388,083 12,362 1,375,721 #DIV/0! 95 #DIV/0! 11,872
8 Jember 23,663 23,663 89.38% 23,663 29,124 259 28,864 #DIV/0! 1 #DIV/0! 23,663
9 Lampung 27,756 27,756 22.37% 27,756 34,161 304 33,857 #DIV/0! 3 #DIV/0! 9,252
10 Malang 60,080 60,080 59.28% 60,080 73,944 659 73,286 #DIV/0! 5 #DIV/0! 12,016
11 Medan, Binjai 260,107 260,107 92.14% 260,107 320,130 2,851 317,279 #DIV/0! 21 #DIV/0! 12,386
12 Padang 54,160 54,160 54.57% 54,160 66,658 594 66,064 #DIV/0! 3 #DIV/0! 18,053
13 Palembang 81,645 81,645 40.24% 81,645 100,486 895 99,591 #DIV/0! 12 #DIV/0! 6,804
14 Pekanbaru 38,032 38,032 42.83% 38,032 46,808 417 46,392 #DIV/0! 5 #DIV/0! 7,606
15 Pontianak 34,114 34,114 55.82% 34,114 41,986 374 41,612 #DIV/0! 8 #DIV/0! 4,264
16 Purwokerto 22,472 22,472 67.59% 22,472 27,658 246 27,411 #DIV/0! 2 #DIV/0! 11,236
17 Samarinda 30,086 30,086 36.46% 30,086 37,029 330 36,699 #DIV/0! 6 #DIV/0! 5,014
18 Semarang 123,380 123,380 65.44% 123,380 151,852 1,352 150,499 #DIV/0! 11 #DIV/0! 11,216
19 Solo 35,027 35,027 53.43% 35,027 43,110 384 42,726 #DIV/0! 5 #DIV/0! 7,005
20 Surabaya, Sidoarjo, Gresik 396,756 396,756 58.43% 396,756 488,313 4,349 483,964 #DIV/0! 33 #DIV/0! 12,023
21 Tasikmalaya 168,940 168,940 71.22% 168,940 207,925 1,852 206,073 #DIV/0! 1 #DIV/0! 168,940
22 Tulung Agung 81,765 81,765 71.64% 81,765 100,633 896 99,737 #DIV/0! 1 #DIV/0! 81,765
23 Ujung Pandang 84,444 84,444 52.41% 84,444 103,931 926 103,005 #DIV/0! 5 #DIV/0! 16,889
24 Yogyakarta 258,278 258,278 63.53% 258,278 317,879 2,831 315,048 #DIV/0! 4 #DIV/0! 64,570

TOTAL 3,330,884 3,330,884 56.47% 3,330,884 4,099,530 36,510 4,063,020 #DIV/0!

Cross sell ratio 1

% of active customers 100%
# of total transactions 49,194,358
# of monthly transactions 4,099,530
Trx/month/customer 1.23
% Trx shifted to D.C. 0.89%
# of branches (1999) -
# of transaction/branch/mo #DIV/0!

II Calculation of Branches required based on # of Customers

Target # of Actual # of New branch Approximate

# of account # of customer Mkt. Shares Mkt. Shares customers Branch branch required Market Share
Cities 1999 1999 1999 2003 2003 Required 1999 2003

1 Balikpapan 39,312 39,312 65.72% 60% 70,988 12 5 7 60%

2 Bandung 255,275 255,275 64.36% 60% 429,914 72 27 45 60%
3 Batam 27,257 27,257 77.29% 80% 65,189 11 4 7 80%
4 Bogor 47,935 47,935 40.74% 45% 98,783 16 11 5 45%
5 Cirebon 16,558 16,558 49.81% 50% 28,969 5 4 1 50%
6 Denpasar 36,019 36,019 57.40% 30% 34,153 6 12 (6) 50%

Cust-Acc.
 533554185.xls
7 Jakarta, Tangerang, Bekasi 1,127,823 1,127,823 50.37% 50% 2,059,304 343 95 248 60%
8 Jember 23,663 23,663 89.38% 80% 39,710 7 1 6 80%
9 Lampung 27,756 27,756 22.37% 30% 76,093 13 3 10 10%
10 Malang 60,080 60,080 59.28% 60% 110,920 18 5 13 15%
11 Medan, Binjai 260,107 260,107 92.14% 80% 414,228 69 21 48 15%
12 Padang 54,160 54,160 54.57% 55% 103,361 17 3 14 15%
13 Palembang 81,645 81,645 40.24% 70% 268,022 45 12 33 15%
14 Pekanbaru 38,032 38,032 42.83% 40% 77,619 13 5 8 17%
15 Pontianak 34,114 34,114 55.82% 55% 62,935 10 8 2 15%
16 Purwokerto 22,472 22,472 67.59% 60% 37,400 6 2 4 0%
17 Samarinda 30,086 30,086 36.46% 45% 78,638 13 6 7 15%
18 Semarang 123,380 123,380 65.44% 60% 198,632 33 11 22 15%
19 Solo 35,027 35,027 53.43% 55% 63,295 11 5 6 10%
20 Surabaya, Sidoarjo, Gresik 396,756 396,756 58.43% 60% 744,482 124 33 91 60%
21 Tasikmalaya 168,940 168,940 71.22% 65% 268,704 45 1 44 0%
22 Tulung Agung 81,765 81,765 71.64% 70% 138,436 23 1 22 0%
23 Ujung Pandang 84,444 84,444 52.41% 51% 152,402 25 5 20 10%
24 Yogyakarta 258,278 258,278 63.53% 55% 392,678 65 4 61 30%

3,330,884 3,330,884 56.47% 57% 6,014,855 1,002 284 718 528

REAL
68%
# of customers/branch 6,000
BB market share in 2003 55.39%

III Calculation of target customers (1999 - 2003) Annual

Growth
1999 2000 2001 2002 2003
shares shares shares shares shares
1 Balikpapan 39,312 65.72% 46,549 64.24% 54,585 62.80% 62,553 61.38% 70,988 60.00% -2.25% 60.00%
2 Bandung 255,275 64.36% 296,740 63.24% 341,921 62.14% 384,857 61.06% 429,914 60.00% -1.74% 60.00%
3 Batam 27,257 77.29% 34,591 77.96% 43,527 78.63% 53,476 79.31% 65,189 80.00% 0.87% 80.00%
4 Bogor 47,935 40.74% 58,580 41.77% 70,942 42.82% 84,011 43.90% 98,783 45.00% 2.52% 45.00%
5 Cirebon 16,558 49.81% 19,444 49.85% 22,625 49.90% 25,726 49.95% 28,969 50.00% 0.10% 50.00%
6 Denpasar 36,019 57.40% 36,205 48.80% 36,117 41.50% 35,276 35.28% 34,153 30.00% -14.97% 30.00%
7 Jakarta, Tangerang, Bekasi 1,127,823 50.37% 1,338,145 50.27% 1,573,221 50.18% 1,806,759 50.09% 2,059,304 50.00% -0.18% 50.00%
8 Jember 23,663 89.38% - - - - Will be closed down
9 Lampung 27,756 22.37% 36,429 24.07% 47,441 25.90% 60,376 27.88% 76,093 30.00% 7.62% 30.00%
10 Malang 60,080 59.28% 71,488 59.46% 84,314 59.64% 97,178 59.82% 110,920 60.00% 0.30% 60.00%
11 Medan, Binjai 260,107 92.14% 298,360 88.94% 339,092 85.85% 376,611 82.88% 414,228 80.00% -3.47% 80.00%
12 Padang 54,160 54.57% 65,026 54.68% 77,313 54.78% 89,829 54.89% 103,361 55.00% 0.20% 55.00%
13 Palembang 81,645 40.24% 111,949 46.21% 152,333 53.07% 202,950 60.95% 268,022 70.00% 14.84% 70.00%
14 Pekanbaru 38,032 42.83% 46,400 42.10% 56,115 41.39% 66,319 40.69% 77,619 40.00% -1.69% 40.00%
15 Pontianak 34,114 55.82% 40,605 55.61% 47,873 55.41% 55,158 55.20% 62,935 55.00% -0.37% 55.00%
16 Purwokerto 22,472 67.59% - - - - Will be closed down
17 Samarinda 30,086 36.46% 39,069 38.43% 50,254 40.51% 63,171 42.69% 78,638 45.00% 5.40% 45.00%
18 Semarang 123,380 65.44% 141,493 64.04% 161,150 62.66% 179,699 61.32% 198,632 60.00% -2.15% 60.00%
19 Solo 35,027 53.43% 41,505 53.82% 48,671 54.21% 55,774 54.60% 63,295 55.00% 0.73% 55.00%
20 Surabaya, Sidoarjo, Gresik 396,756 58.43% 473,899 58.82% 560,961 59.21% 649,292 59.60% 744,482 60.00% 0.66% 60.00%
21 Tasikmalaya 168,940 71.22% - - - - Will be closed down
22 Tulung Agung 81,765 71.64% - - - - Will be closed down
23 Ujung Pandang 84,444 52.41% 99,672 52.05% 116,799 51.70% 134,005 51.35% 152,402 51.00% -0.68% 51.00%
24 Yogyakarta 258,278 63.53% 292,338 61.28% 328,091 59.11% 360,513 57.02% 392,678 55.00% -3.54% 55.00%
3,330,884 56.47% 3,588,484 138.82% 4,213,345 113.03% 4,843,531 99.44% 5,530,606 50.93% 13.52%
Annual Customer Growth 7.7% 17.4% 15.0% 14.2%

Cust-Acc.
 533554185.xls

IV Calculation of Number of Accounts 106% 8% 17%

1998 I II III IV V

# of customers 1,620,368 3,330,884 3,588,484 4,213,345 4,843,531 5,530,606

# of account (based on X-sell) 1,701,386 3,330,884 6,459,271 9,690,692 13,077,534 15,485,696
Account growth 93.92% 50.03% 34.95% 18.41%

# of new accounts (based on X-sell) 1,629,498 3,128,387 3,231,421 3,386,842 2,408,162

# of new customers 1,710,516 257,600 624,861 630,187 687,074

Cross-sell ratio 1.05 1.00 1.80 2.30 2.70 2.80

# of account BRANCH ONLY (based on Trx) 3,330,884 4,960,382 8,088,769 11,320,190 14,707,032
Account growth 49% 63% 40% 30%

# of opened account 1,629,498 3,128,387 3,231,421 3,386,842

1,629,498 3,128,387 3,231,421 3,386,842

# of new customers/year 257,600 624,861 630,187 687,074

Cust-Acc.
 533554185.xls

I Number of transactions

1997 1998 I II III IV V

# of customers 1,620,368 3,330,884 3,588,484 4,213,345 4,843,531 5,530,606

# of transactions 38,538,471 42,777,703 49,194,358

Trx. Growth rate 11% 15%

# of transactions/customer/month 2.20 2.20 2.20 2.50 2.70 2.93 3.00 12 months

40% 14% 9% 2%
# of transactions 3,211,539 3,564,809 7,327,945 8,971,210 11,376,030 14,214,711 16,591,817 754,173.50 Daily
2,327.70 Daily/branch
Annual transactions 38,538,471 42,777,703 87,935,338 107,654,517 ### ### 199,101,805
Trx. Growth rates 118.84% 26.81% 24.95% 16.72%
Xsell Ratio 1.05 1.00 1.80 2.30 2.70 2.80
Xsell Impact to Trx 50% 50% 50% 50%
II Transaction Shift to Direct Delivery Channels

1999 2000 2001 2002 2003

# of Kiosk 45 60 60 60 60
# of ATM 450 480 500 510 550
Total Kiosk and ATM 495 540 560 570 610

Year: I
Total Trx Net Transaction
Branch ATM/Kiosk Kiosk Only ATM Only Call Center Internet Banking Shifted at branches
Cash Withdrawal 10.00% 4,919,436 0.00% - - - 0.00% - 0.00% - 4,919,436
Cash Deposit 40.00% 19,677,743 0.00% - - - 0.00% - 0.00% - 19,677,743
Transfer 10.00% 4,919,436 0.00% - - - 2.10% 103,308 0.00% - 4,816,128
Overbooking 12.50% 6,149,295 2.10% 129,135 11,740 117,396 1.40% 86,090 0.00% - 5,934,069
Payment 5.00% 2,459,718 2.40% 59,033 5,367 53,667 1.80% 44,275 0.00% - 2,356,410
Check Book Request 1.00% 491,944 0.00% - - - 0.83% 4,059 0.00% - 487,885
Foreign Exchange 0.50% 245,972 0.00% - - - 0.00% - 0.00% - 245,972
Open Account 3.31% 1,629,498 0.00% - - - 0.75% 12,221 1.13% - 1,617,277
Others 17.69% 8,701,317 0.00% - - - 0.00% - 0.00% - 8,701,317

100.0% 49,194,358 188,168 17,106 171,062 249,953 - 438,121

49,194,358 0.38% 0.03% 0.35% 0.51% 0.00% 0.89%
Inquiry/Complaint 499,906
Total 749,859
Monthly 62,488
Daily 2,083
No. of agent 21

Year: II
Total Trx
Branch ATM/Kiosk Kiosk Only ATM Only Call Center Internet Banking Shifted
Cash Withdrawal 10.00% 10,765,452 0.00% - - - 0.00% - 0.00% - 10,765,452
Cash Deposit 40.00% 43,061,807 0.00% - - - 0.00% - 0.00% - 43,061,807
Transfer 10.00% 10,765,452 0.00% - - - 3.15% 339,112 0.00% - 10,426,340
Overbooking 12.50% 13,456,815 5.60% 753,582 68,507 685,074 2.10% 282,593 0.00% - 12,420,640

Trx
 533554185.xls
Payment 5.00% 5,382,726 6.40% 344,494 31,318 313,177 1.80% 96,889 0.00% - 4,941,342
Check Book Request 1.00% 1,076,545 0.00% - - - 1.24% 13,322 0.00% - 1,063,223
Foreign Exchange 0.50% 538,273 0.00% - - - 0.00% - 0.00% - 538,273
Open Account 2.91% 3,128,387 0.00% - - - 1.13% 35,194 0.00% - 3,093,193
Others 18.09% 19,479,062 0.00% - - - 0.00% - 0.00% - 19,479,062

100.0% 107,654,517 1,098,076 99,825 998,251 767,110 - 1,865,187

107,654,517 1.02% 0.09% 0.93% 0.71% 0.00% 1.73%
Inquiry/Complaint 1,534,221
Total 2,301,331
Monthly 191,778
Daily 6,393
No. of agent 58

Year: III
Total Trx
Branch ATM/Kiosk Kiosk Only ATM Only Call Center Internet Banking Shifted
Cash Withdrawal 10.00% 13,651,236 0.00% - - - 0.00% - 0.00% - 13,651,236
Cash Deposit 40.00% 54,604,945 0.00% - - - 0.00% - 0.00% - 54,604,945
Transfer 10.00% 13,651,236 0.00% - - - 4.20% 573,352 1.35% 184,292 12,893,593
Overbooking 12.50% 17,064,045 8.40% 1,433,380 130,307 1,303,073 2.80% 477,793 1.80% 307,153 14,845,719
Payment 5.00% 6,825,618 9.60% 655,259 59,569 595,690 2.40% 163,815 1.80% 122,861 5,883,683
Check Book Request 1.00% 1,365,124 0.00% - - - 0.50% 6,826 1.01% 13,822 1,344,476
Foreign Exchange 0.50% 682,562 0.00% - - - 0.00% - 0.00% - 682,562
Open Account 2.37% 3,231,421 0.00% - - - 1.50% 48,471 1.13% 36,353 3,146,597
Others 18.63% 25,436,175 0.00% - - - 0.00% - 0.00% - 25,436,175

100.0% 136,512,363 2,088,639 189,876 1,898,763 1,270,257 664,481 4,023,377

136,512,363 1.53% 0.14% 1.39% 0.93% 0.49% 2.95%
Inquiry/Complaint 2,540,514
Total 3,810,771
Monthly 317,564
Daily 10,585
No. of agent 88

Year: IV
Total Trx
Branch ATM/Kiosk Kiosk Only ATM Only Call Center Internet Banking Shifted
Cash Withdrawal 10.00% 17,057,653 0.00% - - - 0.00% - 0.00% - 17,057,653
Cash Deposit 40.00% 68,230,614 0.00% - - - 0.00% - 0.00% - 68,230,614
Transfer 10.00% 17,057,653 0.00% - - - 4.83% 823,885 2.70% 460,557 15,773,212
Overbooking 12.50% 21,322,067 7.00% 1,492,545 135,686 1,356,859 3.22% 686,571 3.60% 767,594 18,375,357
Payment 5.00% 8,528,827 8.00% 682,306 62,028 620,278 2.76% 235,396 3.60% 307,038 7,304,087
Check Book Request 1.00% 1,705,765 0.00% - - - 1.90% 32,367 2.03% 34,542 1,638,857
Foreign Exchange 0.50% 852,883 0.00% - - - 0.00% - 0.00% - 852,883
Open Account 1.99% 3,386,842 0.00% - - - 1.73% 58,423 2.25% 76,204 3,252,215
Others 19.01% 32,434,230 0.00% - - - 0.00% - 0.00% - 32,434,230

100.0% 170,576,534 2,174,851 197,714 1,977,137 1,836,641 1,645,934 5,657,426

170,576,534 1.28% 0.12% 1.16% 1.08% 0.96% 3.32%
Inquiry/Complaint 3,673,281
Total 5,509,922
Monthly 459,160

Trx
 533554185.xls
Daily 15,305
No. of agent 118

Year: V
Total Trx
Branch ATM/Kiosk Kiosk Only ATM Only Call Center Internet Banking Shifted
Cash Withdrawal 10.00% 19,910,181 0.00% - - - 0.00% - 0.00% - 19,910,181
Cash Deposit 40.00% 79,640,722 0.00% - - - 0.00% - 0.00% - 79,640,722
Transfer 10.00% 19,910,181 0.00% - - - 5.25% 1,045,284 3.15% 627,171 18,237,725
Overbooking 12.50% 24,887,726 5.60% 1,393,713 126,701 1,267,011 3.50% 871,070 4.20% 1,045,284 21,577,658
Payment 5.00% 9,955,090 6.40% 637,126 57,921 579,205 3.00% 298,653 4.20% 418,114 8,601,198
Check Book Request 1.00% 1,991,018 0.00% - - - 2.06% 41,065 2.36% 47,038 1,902,916
Foreign Exchange 0.50% 995,509 0.00% - - - 0.00% - 0.00% - 995,509
Open Account 1.21% 2,408,162 0.00% - - - 1.88% 45,153 2.63% 63,214 2,299,794
Others 19.79% 39,403,217 0.00% - - - 0.00% - 0.00% - 39,403,217

100.0% 199,101,805 2,030,838 184,622 1,846,217 2,301,225 2,200,821 6,532,885

199,101,805 1.02% 0.09% 0.93% 1.16% 1.11% 3.28%
Inquiry/Complaint 4,602,451
Total 6,903,676
Maximum Monthly 575,306
Transaction shifted to Direct Channels shift Kiosk/ATM Call center Internet Daily 19,177
- Transfer 30% 0% 70% 30.00% 100% No. of agent 137
- Overbooking 40% 35% 35% 30.00% 100%
- Payment 40% 40% 30% 30.00% 100%
- Open account 15% 0% 50% 50.00% 100%
- Check book requests 15% 0% 55% 45.00% 100%

Pattern of transaction shift ATM/Kiosk Call Center Internet

Year 1 15% 10% 0% For transfer, overbooking, open account and CBR
Year 2 40% 15% 0%
Year 3 60% 20% 15%
Year 4 50% 23% 30%
Year 5 40% 25% 35%

Trx
I Calculation of Branches Required

CAGR
1997 1998 1999 2000 2001 2002 2003 99-03
# of customers 3,330,884 3,588,484 4,213,345 4,843,531 5,530,606
Market share 56.47% 138.82% 113.03% 99.44% 50.93%

# of customer/branch #DIV/0! #DIV/0! #DIV/0! #DIV/0! 6,000 #DIV/0! #DIV/0!

# of branch (based on # of customers) 0 0 - #DIV/0! #DIV/0! #DIV/0! 922

# of transactions/year 49,194,358 107,654,517 ### ### 199,101,805 41.84%

# of shifted transaction/year 438,121 1,865,187 4,023,377 5,657,426 6,532,885
Net transactions done at branches 38,538,471 42,777,703 48,756,237 105,789,330 ### ### 192,568,920
%shifted transaction/year 0.89% 1.73% 2.95% 3.32% 3.28%

# of transactions/branch #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Growth of transaction/branch #DIV/0! #DIV/0! 25% 60% 35% 25%

126
# of branches required (based on trx) - #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Transaction/customer/month (based on Trx) 2.20 2.50 2.70 2.93 3.00

NATURAL GROWTH 1997 1998 1999 2000 2001 2002 2003

#of trx 38,538,471 42,777,703 48,756,237 107,654,517 ### ### 199,101,805
#ofbranch 0 0 0
#ofTrx/Branch -HISTORIC DATA #DIV/0! #DIV/0! #DIV/0!
Growth % #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! =need backup data
#ofTrx/Branch -AVG GROWTH RATE #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#ofBranch Needed #DIV/0! #DIV/0! #DIV/0! #DIV/0!

BPR IMPACT
#ofTrx 87,935,338 107,654,517 ### ### 199,101,805
Growth % 25.00% 55.00% 35.00% 20.00%
#ofTrx/Branch - BPR Based #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
#ofBranch Needed #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
SAVING - #ofBranches,BPR Impact 0 #DIV/0! #DIV/0! #DIV/0! #DIV/0!

DIRECT CHANNEL IMPACT

#ofShifted Trx ToDirectChannel 438,121 1,865,187 4,023,377 5,657,426 6,532,885
SAVING - #ofBranches,DirectChannel Impact #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

TOTAL #ofBranches impacted by BPR & Direct Channel #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Natural trx growth #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Top Up trx from BPR #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Number of transactions

1997 1998 1999 2000

# of customers 1,620,368 3,330,884 3,588,484

# of transactions 14,538,471 16,137,703 18,558,358

Trx. Growth rate 11% 15%

# of transactions/customer/mont 1.70 1.70 0.46 0.65

40%

1997 1998 1999 2000

BankCustomer 1,620,368 3,330,884 3,588,484
new 1,710,516 257,600

no. of BankLoyalty merchant 0 0 0

no. of non BankLoyalty merchant 0 0 0
0 0 0
merchant growth #DIV/0! #DIV/0!
% of active Customer 0.00% 0.00%
growth of active customer 0%
trx/cust/mth - active customer 1.00 #DIV/0!
avg # of Trx / total customer - #DIV/0!
No. of trx/mth - #DIV/0!
No. of trx/year - #DIV/0!
trx /active cust #DIV/0! #DIV/0!
Indonesia CC holder - -
growth 0%
% Loyalty transactor 0.00% 0.00%
No. of Transactor - -
merchant growth #DIV/0! #DIV/0!
trx/cust/mth - active customer 25% 0.25 #DIV/0!
No. of trx/mth - #DIV/0!
No. of trx/year - #DIV/0!

TOTAL Yearly trx - #DIV/0!

Payment 0% 0%
- #DIV/0!
Merchandising 0% 0% 0%
- #DIV/0!
1999 ABM/ATM ABM ATM Call Center
Payment - -
Merchandising - -
2000
Payment #DIV/0! #DIV/0!
Merchandising #DIV/0! #DIV/0!
2001
Payment #DIV/0! #DIV/0!
Merchandising #DIV/0! #DIV/0!
 2002
Payment #DIV/0! #DIV/0!
Merchandising #DIV/0! #DIV/0!
2003
Payment #DIV/0! #DIV/0!
Merchandising #DIV/0! #DIV/0!
 2001 2002 2003
4,213,345 4,843,531 5,530,606

0.74 0.80 0.82 12 months

14% 9% 2%

2001 2002 2003

4,213,345 4,843,531 5,530,606
624,861 630,187 687,074

0 0 0
0 0 0
0 0 0
#DIV/0! #DIV/0! #DIV/0!
0.00% 0.00% 0.00%
0% 0% 0%
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
- - -
0% 0% 0%
0.00% 0.00% 0%
- - -
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!

0% 0% 0%
#DIV/0! #DIV/0! #DIV/0!
0% 0% 0%
#DIV/0! #DIV/0! #DIV/0!
INTERNET
- -
- -

#DIV/0! #DIV/0!
#DIV/0! #DIV/0!

#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!

#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
 1999 2000 2001 2002 2003 1998
Exchange rates IDR/USD 6,000 7000 8000 8900 9800 8025

NPV rate 18%

 1998 1999 2000 2001 2002 2003
Avg Ticket Size
Growth Avg. Ticket size 0% 0% 0% 0%
Average Ticket Size 0 0 0 0 0
MDR/Commision
Loyalty 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Branch 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Kiosk 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Call Center 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Internet 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Pricing Trx
Revenue / Transaction
Transfer
Branch 0 - - - - -
Kiosk - - - - - -
Call Center - - - - - -
Internet - - - - - -
OverBooking
Branch - 0 - - - -
Kiosk - - - - - -
Call Center - - - - - -
Internet - - - - - -
Payment
Branch 0 - - - - -
Kiosk - - - - - -
Call Center - - - - - -
Internet - - - - - -
check book request
Branch - - - - - -
Kiosk - - - - - -
Call Center - - - - - -
Internet - - - - - -
opening account
Branch - - - - - -
Kiosk - - - - - -
Call Center - - - - - -
Internet - - - - - -

Cost Reduction/Transaction
Information Inquiry - - - - - -
Complain Handling - - - - - -
No. of Calls in BRI Call Center

1st year 2002 749,859

2nd year 2003 2,301,331
3rd year 2004 3,810,771

Call Center Transaction Profile

IVR Balance Inquiry

Movement of accounts
Product/Transaction/Services Information
Transfer between 1 CIF
Transfer between CIF

Agent Balance Inquiry

Movement of accounts
Product/Transaction/Services Information
Transfer between 1 CIF
Transfer between CIF
Telkom Payment