Placement with Other Banks and Bank Indonesia

These financial statements are originally issued in Indonesian language PT BANK DKI NOTES TO THE FINANCIAL STATEMENTS Continued For the Years Ended December 31, 2006 and 2005 In Full Rupiah 26 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : Other significant information related to loans are as follows: a. Loans as of December 31, 2006 and 2005 are in Rupiah denomination. b. Loans are secured by collaterals such as deposits, collaterals that are notarized by deed of encumbrance of power of attorney to sell or to encumber or other collaterals that are acceptable by the Bank. c. Fixed loans consists of working capital, investments and consumer loans. Loans for working capital and investments include long term, fixed, revolving, and discounted loans, while consumer loans include housing, car, and other consumer loans. d. Loans to Directors and Employees, substantially represent loans with annual interest rates up to 5 for purchase of cars, houses and other personal necessities, with maturity periods ranging from 1 one to 15 fifteen years. The payments are deducted from monthly salary. e. Loans to the related parties before allowance for possible losses amounted to Rp 5,580,216,176 as of December 31, 2006 2005: Rp 4,777,881,331; after allowance for possible losses amounted to Rp 5,524,414,010 as of December 31, 2006 2005: Rp 4,730,102,518 see Note 31. f. In 2006 and 2005, there is no loan restructuring. The last loan restructuring was in year 2004. g. As of December 31, 2006 and 2005, the Bank did not violate or exceed the Legal Leading Limit LLL requirement. h. The Bank’s Non Performing Loans NPL Ratio-Net as of December 31, 2006 is 1.08 2005: 1.20, meanwhile Bank’s NPL-Gross as of December 31, 2006 is 4.55 2005: 5.33. i. The changes in the allowance for posible losses are as follows: 2006 2005 Rp Rp Balance at the Beginning of the Year 147,040,565,427 94,293,666,368 Provision Reversal During the Year 214,479,657,270 113,281,821,906 Recovery of Written-off Loans During the Year 3,948,303,871 6,505,337,514 Written-off for the Year 62,770,731,398 -- Adjustment 140,181,558,927 67,040,260,361 Balance at the End of the Year 162,516,236,243 147,040,565,427 Management believes that the above allowance for possible losses is adequate to cover possible losses, which might arise from uncollectible loans. These financial statements are originally issued in Indonesian language PT BANK DKI NOTES TO THE FINANCIAL STATEMENTS Continued For the Years Ended December 31, 2006 and 2005 In Full Rupiah 27 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : j. The changes in the balance of loans that have been written-off are as follows: 2006 2005 Rp Rp Balance at the Beginning of the Year 256,703,734,779 288,197,558,161 Recovery of Written-off Loans 31,213,063,317 31,493,823,382 Additions During the Year 60,850,291,734 -- Balance at the End of the Year 286,340,963,196 256,703,734,779

10. Investments in Shares of Stocks

Business Percentage of Nominal Percentage of Nominal Type Ownership Value Ownership Value Rp Rp Third Parties Cost Method PT Asuransi Bangun Askrida General and Loss Insurance 3.55 926,600,000 3.55 926,600,000 Less: Provision for Possible Losses 9,266,000 9,266,000 Net 917,334,000 917,334,000 2006 2005 The Bank has investments in shares of stocks in PT Asuransi Bangun Askrida in the amount of Rp 926,600,000 since year 1998 with percentage ownership less than 20. These investments in shares of stocks is recorded using cost method, that is, acquisition cost minus allowance for possible losses in the amount of Rp 9,266,000 in 2006 2005: Rp 9,266,000. The collectibility of investments in shares of stocks is current in year 2006 and 2005. The allowance for possible losses consists of 1 general reserve on accounts in accordance with Bank Indonesia’s regulation for investments in shares of stocks. Management believes that the above allowance for possible losses is adequate to cover possible losses, which might arise from uncollectible investments in shares of stocks. These financial statements are originally issued in Indonesian language PT BANK DKI NOTES TO THE FINANCIAL STATEMENTS Continued For the Years Ended December 31, 2006 and 2005 In Full Rupiah 28 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date :

11. Fixed Assets

Beginning Balance Additions Deductions Reclasification Ending Balance Rp Rp Rp Rp Rp Carrying Value Land 106,499,734,481 -- -- 2,302,020,350 104,197,714,131 Buildings 19,356,066,068 8,970,486,928 -- 18,737 28,326,534,259 Vehicles 13,043,487,994 3,832,900,000 -- -- 16,876,387,994 Office Furnitures and Equipments 87,803,716,520 23,921,671,661 -- -- 111,725,388,181 226,703,005,063 36,725,058,589 -- 2,302,039,087 261,126,024,565 Accumulated Depreciation Buildings 4,158,535,961 3,689,698,519 -- 18,734 7,848,215,746 Vehicles 9,044,356,923 1,285,663,043 -- -- 10,330,019,966 Office Furnitures and Equipments 44,524,721,081 23,155,849,911 -- -- 67,680,570,992 57,727,613,965 28,131,211,473 -- 18,734 85,858,806,704 Net Book Value 168,975,391,098 175,267,217,861 2006 Beginning Balance Additions Deductions Reclasification Ending Balance Rp Rp Rp Rp Rp Carrying Value Land 103,560,934,481 2,938,800,000 -- -- 106,499,734,481 Buildings 10,143,033,517 9,213,032,551 -- -- 19,356,066,068 Vehicles 12,829,116,894 214,371,100 -- -- 13,043,487,994 Office Furnitures and Equipments 74,050,333,844 13,753,382,676 -- -- 87,803,716,520 200,583,418,736 26,119,586,327 -- -- 226,703,005,063 Accumulated Depreciation Buildings 3,181,927,161 976,608,800 -- -- 4,158,535,961 Vehicles 10,927,363,606 35,457,817 1,918,464,500 -- 9,044,356,923 Office Furnitures and Equipments 31,524,373,096 13,000,347,985 -- -- 44,524,721,081 45,633,663,863 14,012,414,602 1,918,464,500 -- 57,727,613,965 Net Book Value 154,949,754,873 168,975,391,098 2005 Based on PBI No.72PBI2005 dated January 20, 2005 and its Circular Letter No.73DPNP dated January 31, 2005, the Bank has identified and determined its abandoned properties. On the financial statementsas of December 31, 2006, the balance of abandoned properties have been reclassified from the fixed assets account, which consists of landrights and buildings, to other assets account with the carrying value of Rp 2,302,020,350 and Rp 18,737, with accumulated depreciation of Rp 18,734 and recorded with book value of Rp 3, respectively see Note 13. The landrights HGB are under the Bank’s name and have expiry dates ranging between August 2006 until Mei 2027. Management believes that the landrights will be renewed by the Government when they expire. The landrights that ended on August 2006 are in renewal process at this time. The fixed assets per December 31, 2006 have been insured with PT Sarana Lindung Upaya, PT Asuransi Astra Buana, and PT Bangun Askrida for a total insurance coverage of Rp 67,659,248,963, Rp 2,484,500,000 and Rp 1,265,800,000, respectively. Management believes that the insurance coverage is adequate to cover any possible losses.