164.0 172.6
182.9 176.9
173.9 170.3
153.8 153.5
44.6 41.2
43.0 44.5
49.2 42.5
48.3 48.3
50.4 57.0
65.4
60.5 57.3
44.6 39.0
36.1 38.6
54.0 47.1
50.6 55.4
50.2 54.6
60.7 56.6
60.2 51.4
64.5 92.1
92.3 92.5
93.2 93.1
153.8 153.9
155.5 148.8
152.7 94.0
102.3 107.3
122.9 131.4
137.0 106.9
106.7 104.0
99.6 94.4
42.3 72.6
66.8 68.7
75.9 76.7
82.3 87.0
40.3 30.4
46.6 33.4
18.3 23.2
25.7
20 40
60 80
100 120
140 160
180 200
220 240
260 280
Q1 00 Q2 00
Q3 00 Q4 00
Q1 01 Q2 01
Q3 01 Q4 01
Q1 02 Q2 02
Q3 02 Q4 02
Q1 03 Q2 03
Q3 03 Q4 03
Q1 04 Q2 04
Q3 04 Q4 04
Q1 05 Q2 05
Q3 05 Q4 05
G o
vernm ent
B o
nds Loans
O ther A
sset s
46. 2
40. 9
38. 2
41. 4
40. 7
45. 6
47. 4
60. 6
74. 1
68. 2
67. 8
63. 6
75. 4
74. 7
74. 9
50. 48.
50. 6
50. 5
42. 3
34. 1
29. 9
22. 1
19. 3
19.
18. 1
19.
19. 8
In t. fro
m B
o n
d s
In t.
f rom
Loan s
Total assets grew by 6.1 Y-o-Y – C
onsolidated
Total Assets Rp tn
6
44. 6
41. 2
42. 3
43. 44.
5 49.
2 42.
5 48.
3 48.
3 50.
4 58.
7 65.
4 68.
7 66.
8 72.
6 75.
9 76.
7 82.
3 87.
94. 4
99. 6
106. 7
106. 9
104.
27.5 36.1
51.8
26.3 25.3
28.3 26.5
35.4 56.8
53.7 42.5
47.9
Q 1
00 Q
3 00
Q1 1
Q3 1
Q1 2
Q 3
02 Q
1 03
Q3 3
Q1 4
Q3 4
Q1 5
Q3 5
Loans Rp tn LDR
22.9 22.6 25.6
31.4 33.0 33.3
37.7 40.4
42.4 44.1
1.4 1.6 3.1 3.7
5.1 6.5 8.5 9.5
10.8 11.5
45.1 42.3
38.9 40.6
42.7 41.8
38.2 39.5
41.5 42.9 44.0
44.7 40.2
30.1 43.7
22.2 4.2
11.3 1.5
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
Q2 5
Q3 5
Q4 5
Loan growth was restrained across all segments
Quarterly Loan Data – Consolidated
11.5 36.6
11.55 Consumer
100 13.3
100.33 Total
43.9 16.7
44.05 Commercial
44.6 5.6
44.73 Corporate
of Portfolio
Loans Rp tn
By Segment Bank only
Y-O-Y Growth
Quarterly Loan Segment Details – Bank Only
Corporate
Commercial
Consumer
As of December 2005; Non-consolidated numbers Note: Includes IBRA loan purchases of Rp 5 tr
0.2 13.2
QoQ Growth YoY Growth
7
283 411 655 199 328
540 1,
80 2
1, 86
1, 90
2
1, 91
2
1, 91
8
1, 93
2
1, 93
8
1, 93
823 815
786 934
428 494
594 479
510 816
727 653
688 888
3, 05
2, 88
5
2, 591
1, 99
6
1, 011
1, 52
2
152 4,
131 4,
21 7
4, 22
3
3, 56
7
2, 85
2
1, 05
8
1, 93
9
1, 921
1, 49
3
1, 36
7
1, 35
4 1,
25 7
1, 20
6
1, 27
1, 13
6
2,000 4,000
6,000 8,000
10,000 12,000
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
Q2 5
Q3 5
Q4 5
Other Cash Collateral Loans
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Consumer lending growth slows on tighter credit criteria
29.04 8.80
Cash Collateral Loans
1.02 7.65
Credit Cards
-0.41 0.50
Payroll Loans
-2.04 44.84
Home Equity Loans
5.72 100.44
Mortgages Growth
Q-o-Q Y-o-Y
36.59
148.08 6.85
Other
Total Consumer
Loan Type
2.63
Auto Motorcycle Loans channeled or executed through finance companies = Rp 3.48 tn in our Commercial Loan Portfolio
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
8
Sales of Rp2.54 trillion from the Recap Bond Portfolio in 2005
Portfolio Sales as of December 2005 Rp bn
92.1 61.1