Commitments and Contingencies Risk Management

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 52 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date :

38. Reclassification

Certain accounts in the financial statements for the year ended December 31, 2005 have been reclassified to conform to the presentation of the financial statements for the year ended December 31, 2006 for comparison purposes. Before After Reclassification Reclassification Rp Rp Balance Sheets Assets Loans 2,541,291,817,080 2,593,077,056,906 Sharia Financing 51,785,239,826 -- Prepaid Taxes -- 39,912,374,968 Accrued Income -- 104,496,153,091 Prepaid Expenses -- 5,981,064,368 Other Assets 195,826,944,617 45,437,352,190 2,788,904,001,523 2,788,904,001,523 Liabilities Estimated Losses on Commitments and Contingencies -- 1,645,764,436 Accruals and Other Liabilities 64,074,882,304 62,490,545,880 Undistributed Profit Sharing 61,428,012 -- Deposits Demand Deposits 4,292,921,808,206 -- Wadiah Demand Deposits 5,095,064,727 -- Savings 1,071,976,111,895 -- Mudharabah Savings 4,577,148,295 -- Time Deposits 1,182,823,709,317 -- Mudharabah Time Deposits 6,557,240,686 -- Deposits from Customers Third Parties -- 6,559,040,954,149 Related Third Parties -- 4,910,128,977 6,628,087,393,442 6,628,087,393,442 Statements of Income Operating Income and Expenses Interest Income Interest 896,295,826,794 896,224,251,005 Interest Expenses Interest 455,724,812,232 451,532,795,017 Fees and Commissions 1,400,000,000 1,551,784,870 Sharia Financing Income 4,145,744,363 -- 2005 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 53 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : Before After Reclassification Reclassification Rp Rp Other Operating Income Provision for Reversal of Possible Losses on Assets 37,754,012,931 37,687,565,988 Losses on Foreign Exchange Transactions-Net -- 189,765,455 Gains Losses on Valuation of Securities -- 8,716,712,183 Unrealized GainsLosses on Valuation -- 73,124,096,844 Market of Trading Securities-Net Other Income 86,124,899,876 39,877,843,695 Income expense of Estimated Loss on Commitments and Contingen -- 820,410,894 Other Operating Expenses General and Administrative Expenses 70,388,842,552 67,326,140,030 Third Parties Goods and Services 30,891,633,057 -- Other Operating Expense 111,228,714,938 34,999,614,517 Other Non Operating Income 28,992,723,630 28,943,723,897 308,171,180,958 308,171,178,953 2005

39. The Presentation of Financial Statements

The management of the Bank is responsible for the content and presentation of financial statements that were completed on March 16, 2007. PT฀BANK฀DKI ฀Laporan฀Tahunan฀2006฀Annual฀Report ฀ 199 Data฀Perseroan Corporate฀Data