7
283 411 655
199 328
540 1
,8 2
1 ,8
6 1
,9 2
1 ,9
1 2
1 ,9
1 8
1 ,9
3 2
1 ,9
3 8
1 ,9
3 1
,9 6
823 815
786 934
428 494
594 479
510 816
727 653
688 888 792
3 ,2
5 3
,0 5
2 ,8
8 5
2 ,5
9 1
1 ,9
9 6
1 ,0
1 1
1 ,5
2 2
152 4
,0 3
3 4
,1 3
1 4
,2 1
7 4
,2 2
3 3
,5 6
7 2
,8 5
2 1
,0 5
8 1
,9 3
9 1
,9 2
1
1 ,4
9 3
1 ,2
7 9
1 ,3
6 7
1 ,3
5 4
1 ,2
5 7
1 ,2
6 1
,2 7
1 ,1
3 6
2,000 4,000
6,000 8,000
10,000 12,000
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
O ther Cash Collateral Loans
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Consumer lending contracted 0.8 despite Mortgage growth
10.81 9.03
Cash Collateral Loans
6.44 6.10
Credit Cards
1.25 0.59
Payroll Loans
2.38 13.07
H ome Equity Loans
6.56 62.86
Mortgages Growth
Q -o-Q Y-o-Y
20.33
80.91 9.17
O ther
T otal Consumer
Loan Type
0.78
Auto Motorcycle Loans channeled or executed through finance companies = Rp 3.77 tn in our Commercial Loan Portfolio
Q uarterly Consumer Loan Balances by T ype Consumer Loan Growth by T ype
8
Sales of Rp20 bn from the Recap Bond Portfolio in Q 1 ‘06
Portfolio Sales as of March 2006 Rp bn
92.2 61.1
28.9 2.2
T otal -
88.4 3.9
T otal
66.2 31.4
2.4 of T otal
-
- -
- H edge Bonds
95.8
59.7 27.0
1.6 Variable Rate
4.2
1.4 1.9
0.6 Fixed Rate
of T otal
H TM
N ominal Value
AFS
Mark to Market
Trading
Mark to Market
At Fair Value, M ar 2 0 0 6
Rp tn
1 7
7 .4
1 7
6 .9
1 5
3 .5
1 4
8 .8
1 2
3 .0
9 3
.1 9
2 .2
9 2
.1
4.0 0.0
32.3
2.5 1.0
15.8 24.5
40 80
120 160
200
1999 2000
2001 2002
2003 2004
2005 Q 1 06 5
10 15
20 25
30 35
Recap Bonds Bond Sales
Bond Portfolio Movement Fair Value 1999 – Q 1 ‘06
R u
p ia
h T
ri ll
io n
s
66 257
2,544 2005
48 5
20
Q 1 ‘06
66 1,365
32,334 2004
1,868 Realized
Profit
Unrealized Profit
Bonds Sold
ID R bn
52 24,505
2003
Mark to Market impacts Profit Mark to Market impacts Equity
9
1 5
.3 1
6 .6
1 6
.6 1
8 .0
1 7
.6 1
9 .7
1 9
.8 2
2 .1
2 2
.3 2
4 .4
2 5
.1 2
9 .6
2 8
.9 3
1 .9
3 3
.4 4
.6 4
.5 4
2 .3
4 4
.6 5
2 .0
4 9
.5 4
7 .8
4 4
.2 4
5 .2
4 1
.8 1
4 .3
1 9
.5 2
3 .4
3 1
.1 2
9 .6
2 9
.7 2
9 .2
3 1
.2 2
7 .7
2 7
.2 2
6 .1
2 4
.8 2
4 .8
2 7
.9 3
.1 2
8 .8
3 .8
3 .7
3 .9
2 8
.0 2
7 .5
3 .8
2 8
.3 3
.1 3
.2 9
7 .2
9 2
.9 9
.3 8
7 .8
1 .9
9 1
.5 1
6 .9
1 7
.7 1
6 .1
1 4
.1 1
.7 1
5 .1
9 6
.7 6
6 .5
6 5
.0 7
2 .3
7 9
.8 9
3 .2
9 .8
17.3 19.1 19.9
21.5 23.6
25.9 21.3 23.4 21.5 17.8 20.6 20.6 19.4 18.6
18.0 17.3 16.5 13.8
12.5 11.6
11.1 13.3 16.3
15.7 15.9
12.3 14.9
11.6 12.3
11.9 11.9
10.2 10.7
9.1 12.1 11.5
9 4
.0 8
5 .9
8 .5
7 .3
6 8
.4 6
3 .4
20 40
60 80
100 120
140 160
180 200
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
Rp Savings Deposits Rp Demand Deposits
FX Demand Deposits Rp Time Deposits
FX Time Deposits
Q 1 fall of 4.0 on Rp Time Savings, FX D emand accounts
Deposit Analysis – Bank O nly
D e
p o
si ts
b y
T y
p e
R p
t n
54.1 45.3
