Profitability Analysis – ATM Market Intel

Statutory P&L

Gross Revenue

—

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Transaction Costs

—

Scheme & switching fees

Direct ATM Costs

—

Rent, CIT, depreciation…

Network Costs

—

Salary, security, software…

Network Margin (L3)
—
L3 Margin %: —

Management View

Not in Statutory P&L

Management accounting — disclosed separately, not in statutory P&L

Shadow Revenue

—

Transfer Price Credit (Bill Pay, Top-up)

Cost Avoidance Credit

—

Self-service teller migration

Total Economic Contribution (L4)

—

L4 Margin %: —

Efficiency

Network efficiency indicators

TAD

—

Txns / ATM / Day (target 150–300/mo)

Revenue / ATM / Month

—

SAR

Cost / Transaction

—

SAR (target < 1.00)

Interchange Yield

—

SAR / approved transaction

Break-even Volume

—

Txns / month needed

P&L Waterfall

Statutory

+ Management

Revenue by Type

Stacked by month

Cost Breakdown

By cost code

Monthly Contribution Margins

L2 / L3 / L4

On-us vs Off-us Volume

Transactions / month

Calculated vs Actual Interchange Reconciliation

Card Type	Network	Calculated (SAR)	Actual Settled (SAR)	Variance (SAR)	Variance %	Status
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Per-ATM Profitability

Columns:

Statutory

Management Mgmt

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