of NPLs are current in interest payments are Rupiah loans are Working Capital loans are Restructured loans were purchased from IBRA are performing, with 11.3 in Category 2 in Category 2 are current or 1 day overdue in interest payments of NPLs are current

71 „

79.9 are performing, with 8.6 in Category 2

„

39.5 in Category 2 are current or 1 day overdue in interest payments

„

14.6 of NPLs are current in interest payments

„ Primary sectors in Commercial are: ¾ Trading ¾ Agriculture ¾ Construction ¾ Chemical Manufacturing „

76.6 are Rupiah loans

„

55.4 are Working Capital loans

„

18.5 are Restructured loans

„

1.5 were purchased from IBRA

1 2 3 4 5 Cu rr en t 30 31-60 61+ Trading Mfg-Oth Constr Mfg-Chem Agri Bus Serv Mfg-FB Trans Mfg-Text Oth5 IDR USD WC Invest Export Other 2000 2000- 2004 2004 New Bal. NPL DG NPL NC PL DG PL NC PL UG 10 20 30 40 50 60 70 80 90 100 Collect. Cat. 2 Aging Sector Currency Purpose Origin Year Movement Q1 2007 Loan Detail: Commercial Loans Loan Profile: Q1 Commercial Loans Only Rp 31,598 bn Bank Only Rp 31,598 billion in loans were in the Commercial portfolio in Q1, or 29.9 of total loans. Of the Commercial Loans in Q1: 72 „

91.9 are performing, with 11.3 in Category 2

„

15.8 in Category 2 are current or 1 day overdue in interest payments

„

28.9 of NPLs are current in interest payments

„ Primary sectors in Commercial are: ¾ Retail Trading ¾ Plantations ¾ Manufacturing ¾ Distribution „

99.8 are Rupiah loans

„

67.4 are Working Capital loans

„

6.2 are Restructured loans

1 2 4 5 Current 1 Day 30 31-60 61+ Tr ad in g- Re t Agri Mfg Trading-Oth Trading-Distr Constr Bus Serv Oth5 IDR USD WC Invest Program Other 2000 2000- 2004 2004 New Bal. NPL NC PL DG PL NC PL UG 10 20 30 40 50 60 70 80 90 100 Collect. Cat. 2 Aging Sector Currency Purpose Origin Year Movement Q1 2007 Loan Detail: Small Business Loans Loan Profile: Q1 Small Business Loans Only Rp 8,605 bn Bank Only Rp 8,605 billion in loans were in the Small Business portfolio in Q1, or

8.1 of total loans. Of the Small Business Loans in Q1:

Excluding Micro Loans 73 1 2 3 4 5 Cu rr en t 1 Day 30 31-60 61+ Mfg-Oth Mfg-FB Agri Constr Trading-Oth Trading-Ret Bus Serv Mfg-Chem Trans Oth5 Co rp Com m Small WC Invest Export Other 2000 2000- 2004 2004 New Bal. NPL DG NPL NC UG to PL PL NC PL UG 10 20 30 40 50 60 70 80 90 100 Collect Cat 2 Aging Sector Business Purpose Origin Year Move Q1 2007 Loan Detail: Rupiah Loans Loan Profile: Q1 Loans Rp 56,789 bn Bank Only „

84.6 are performing loans with 10.2 in Category 2