1 we re USD loans 1 we re Working Capital loans 2 we re m ore than 90 days ove rdue in inte re s t paym e nts 5 re m ain c urre nt on inte re s t paym e nts and 2. 4 are le s s than 90 3 are to Corporate c us tom e rs 2 are Working Capital lo

50 „

0. 8 we re s till c urre nt on inte re s t paym e nts while 11. 4 we re le s s

than 30 days ove rdue „

61. 3 we re Corporate borrowe rs

„

57. 1 we re loans pre vious ly re s truc ture d

„ Larg e s t downg rade s by s e c tor: ¾ Te xtile M anufac turing ¾ Wood M anufac turing ¾ Plantations „

63. 1 we re USD loans

„

48. 1 we re Working Capital loans

„

85. 2 we re m ore than 90 days ove rdue in inte re s t paym e nts

Corp Comm Small 3 4 5 Mfg-Text Mfg-W ood Agri Trading-Ret Mfg-O th Trading-O th Mfg-N onM O th 5 ID R USD W C Invest Export O ther Current 30 D ays 61-90 D ays 90+ D ays 10 20 30 40 50 60 70 80 90 100 G AS Collectibility Sector Currency Purpose Int. Aging Q2 2007 Loan De tail: Downg rad e s to NPL Exc luding M ic ro Cons um e r Loans Only Corporate , Com m e rc ial Sm all Bus ine s s loans downg rade d to NPL in Q2 totale d Rp783 billion 0. 73 of total loans . Of the s e loans : Loan Profile : Q2 Downg rade s to NPL Rp783 bn - Bank Only 51 Q2 2007 Loan De tail: Non-Pe rforming Loans Loan Profile : Q2 NPLs Rp16, 500 bn Bank Only „

18. 5 re m ain c urre nt on inte re s t paym e nts and 2. 4 are le s s than 90

days ove rdue „

61. 3 are to Corporate c us tom e rs

„

38. 2 are Working Capital loans and 39. 9 are Inve s tm e nt loans

„ Prim ary s e c tors are : ¾ M anufac turing • Che m ic als • Te xtile s • Non-M e tals ¾ Trading „

51. 1 are Rupiah loans

„

41. 1 we re pre vious ly re s truc ture d

„

2. 9 we re loans purc has e d from IBRA

„

9. 9 are Cat. 3 3. 4 are Cat. 4 Corporate , Com m e rc ial Sm all

Bus ine s s NPLs totale d Rp16, 500 billion in Q2, or 15. 4 of total loans . Of the s e NPLs in Q2: Corp Comm Small 3 4 5 Mfg-C hem Mfg-O th Mfg-Text Trading Mfg-N onM Mfg-FB Agri Bus Serv O th 5 ID R U SD Invest W C Export Synd LC Pr ogr am C urrent 61-90 D ays 90+ D ays 10 20 30 40 50 60 70 80 90 100 GAS Collectibility Sector Cur r ency Pur pose Int. Aging Exc luding M ic ro Cons um e r Loans Only 52 Corp Comm Small C u rr e n t 1 D ay 30 31-60 61+ Constr Trading-Ret Mfg-Chem Mfg-O th Mfg-Text Mfg-W ood Mining Trading-O th ElectGasW ater Oth5 ID R USD O ther W C Invest Synd O ther 2000 2000-2004 2004 10 20 30 40 50 60 70 80 90 100 GAS Int. Aging Sector Currency Purpose O rigin Year Q2 2007 Loan De tail: Ne w Downg rad e s to Cate g ory 2 Loan Profile : Q2 Downg rade s to Cat. 2 loans Rp1, 096 bn - Bank Only „

64. 1 are for Com m e rc ial 25. 0 are to Sm all Bus ine s s c us tom e rs