Time Deposits consist of: 2006

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 39 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : Based on Minutes of Meeting on Stockholders’ General Meeting on January 13, 2006, as stated on notarial deed No. 87 of Sutjipto, SH, all shareholders agree to increase capital for Sharia unit to Rp 250,000,000,000 which will be added gradually. Based on Official Note No. 48RENI06 dated January 23, 2006, the Bank has allocated appropriate retained earnings in year 2005 of Rp 10,000,000,000 as additional fund for operational activities of Sharia Unit.

24. Interest Income

2006 2005 Rp Rp Rupiah Loans 588,545,520,127 467,617,617,384 Securities 295,746,573,374 226,510,419,449 Placement and Current Accounts with Bank Indonesia 244,520,792,144 158,811,532,612 Call Money 26,843,402,784 24,179,506,245 Income on Sharia Financing 9,853,063,894 4,145,744,363 Current Accounts with Other Banks 168,697,512 353,129,387 Time Deposits -- 8,592,414,385 Deposits on Call -- 886,649,304 Sub Total 1,165,678,049,835 891,097,013,129 Foreign Currencies Securities 3,934,913,840 3,669,765,316 Call Money 492,607,374 1,186,758,100 Deposits on Call 188,726,278 180,681,652 Current Accounts with Other Banks 15,074,982 -- Time Deposits -- 90,032,808 Sub Total 4,631,322,474 5,127,237,876 Total 1,170,309,372,309 896,224,251,005

25. Interest Expenses

2006 2005 Rp Rp Rupiah Deposits Time Deposits 388,645,523,904 216,515,961,242 Demand Deposits 145,914,911,896 80,956,034,433 Savings 34,294,275,083 42,884,991,595 Deposits from Other Banks Deposits On Call 10,071,649,998 11,348,851,108 Call Money 7,541,976,394 4,181,843,040 Deposits 243,834,821 37,161,672 Demand Deposits 192,427,111 356,209,142 586,904,599,207 356,281,052,232 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 40 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : 2006 2005 Rp Rp Foreign Currencies Deposits Time Deposits 90,188,535 404,669,853 Demand Deposits 19,130,219 99,542,114 109,318,754 504,211,967 Others Securities 63,737,847,224 78,848,437,501 Premium for Government Guarantee of Third Party Funds DPK 14,694,011,746 9,952,096,742 Borrowings 7,537,879,030 4,569,532,068 Gifts on Savings 1,482,277,313 1,377,464,507 87,452,015,313 94,747,530,818 Total 674,465,933,274 451,532,795,017 Insurance premium covering third party fund is paid to Government of Republic of Indonesia in relation with Government’s guarantee for certain Bank’s liabilities and has been recorded as other interest expense see Note 15 and 36.

26. Other Operational Incomes – Others

2006 2005 Rp Rp Rupiah Service Administration and Fee Incomes 35,681,065,758 33,566,035,844 ATMs Income 5,711,512,641 1,890,143,643 Penalties on Uncollectible Loans 4,092,846,312 1,857,307,208 Funds Transfer Service 1,322,627,831 1,139,828,968 Other Sharia Unit Income 985,400,695 818,881,876 Cash Dividend 434,341,803 297,957,204 Closing of Deposit Accounts 259,828,425 101,015,000 Penalties on Written-off Loans 210,636,830 116,674,065 Other Penalties 806,324,460 89,999,887 Total 49,504,584,755 39,877,843,695