Margin bunga bersih menurun menjadi sekitar 4,4 persen di kuartal ketiga 2007 dari 4,9 persen di 2006, karena perseroan berhasil mengurangi jumlah deposito berjangka dan meningkatkan jumlah dana murah seperti tabungan dan giro.
Net interest margins narrowed to 4.4% in September 2007 from 4.9% in 2006 partly due to higher funding costs as time deposits increased to 50% of total deposits at the end of the first quarter of 2007 from 42% at the end of 2005.