INVESTM ENT IN SECURITIES

6. INVESTM ENT IN SECURITIES

a. Based on type

Available for sale Sharia m utual fund

-- 6,000,000 H eld to m aturity

Sharia obligation

-- 776,360,323 L/C im port usa nce

-- -- Export bills

4,083,747 786,444,070 Allow ance for possible losses

Net

R atin g

R atin g

T o ta l R atin g

R atin g T o ta l

In s titu tio n

E n titie s

In s titu tio n

E n titie s

Rp

Rp

A vailable for sale R u pia h: PT Pe rm o da la n N a sio na l M a d an i

-- 3,000,000 (Persero) PT Insight

6,000,000 H eld to m aturity

R u pia h: PT Indosat (Persero) Tbk

-- 108,122,000 PT Perkebunan Nusantara (Persero) III

PT Pefindo

idAA +

PT Pefindo

-- 80,000,000 PT Apexindo Pratam a Duta

PT Pefindo

idA

PT Pefindo

-- 77,866,538 PT Perusahaan Listrik Negara

PT Pefindo

idA-

PT Pefindo

-- 65,000,000 PT Berlian Laju Tanker Tbk

PT Pefindo

idA

PT Pefindo

-- 55,998,642 PT Pem bangunan Perum ahan (Persero)

PT Pefindo

idAA -

PT Pefindo

-- 50,000,000 PT Citra Sari M akm ur

PT Pefindo

idBBB-

PT Pefindo

A-

-- PT M oody’s

-- PT Hum puss

Indonesia

-- 44,057,528 PT CSM Corporatam a

-- 43,973,879 PT Perkebunan Nusantara (Persero) VII

PT Pefindo

A-

PT Pefindo

-- 40,352,579 PT Berlina

PT Pefindo

idA

PT Pefindo

PT M oody’s

BBB+

33,544,837 PT M oody’s

-- PT M atahari Putra Prim a Tbk

In donesia

Indonesia

-- 32,801,967 PT Sona Topaz Tourism

PT Pefindo

idA+

PT Pefindo

-- 31,291,625 PT Adhi Karya (Persero)

PT Pefindo

A+

PT Pefindo

-- 30,000,000 PT Bank Syariah M uam alat In donesia

PT Pefindo

idA-

PT Pefindo

23,726,184 Tbk

PT Pefindo

idBBB

-- PT Bank Bukopin Tbk

PT Pefindo

-- 14,165,211 PT Ricky Putra Glo balindo

PT Pefindo

PT M oody’s

Baa1.id

-- -- PT M etrodata I

In donesia

-- -- PT Aneka G as I

PT Pefindo

A 3.id

-- -- PT Arpeni

PT Pefindo

A 3.id

-- -- PT M ayora

PT Pefindo

-- -- SBSN Ijarah Tahun 2008

PT M ayora

-- -- U nited States D ollar:

-- 3,780,554 PT Indonesia Antique

PT Rim ba Sentosa

780,444,070 Total securities

786,444,070 Total allow ance for possible losses

The securities are listed in the Indonesia Stock Exchange. In 2007 the Bank's management changed the policy concerning placements of bonds in the form

of Sharia Bonds to Held to Maturity. Management believes that it is in accordance with the sharia principles and Bank's cautious principles.

Sharia bonds and sharia mutual fund are classified as available for sale based on management intention. As of December 31, 2008 asset net value of Sharia mutual fund is increased by Rp 765,497.

Export bills have remaining term to maturity of less than 3 (three) months. The movement of allowance for possible losses on securities is as follows:

U n ite d S tate s

Balance at beginning of year

139,602 5,022,310 Provision (reversa l of allow ance) during the year

65,666 3,006,561 Translation differences

Based on the management's review and evaluation of the collectibility of all its securities as of December 31, 2008 and 2007, all securities were classified as current. Management believes that the allowance established is adequate to cover possible losses on securities and is in compliance with Bank Indonesia regulations.