Berdasarkan kolektibilitas COMMITMENTS AND CONTINGENCIES a.

CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2008 DAN 2007 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2008 AND 2007 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 537 – Schedule 21. POSISI DEVISA NETO lanjutan

21. NET OPEN POSITION continued

31 Desember 2007 31 December 2007 Aset Kewajiban Nilai Bersih Mata uang Assets Liabilities Net Value Currency REKENING ADMINISTRATIF OFF-BALANCE SHEET Dolar Amerika Serikat 5,831,390 5,717,777 113,613 United States Dollars Yen Jepang 1,495,980 1,425,028 70,952 Japanese Yen Dolar Australia 191,659 167,379 24,280 Australian Dollars Dolar Singapura 59,140 45,901 13,239 Singapore Dollars Euro 36,075 34,072 2,003 Euro Dolar Selandia Baru 101,691 10,543 91,148 New Zealand Dollars Pound Sterling 4,127 4,127 - Pound Sterling Lain-lain 1 1 - Others Posisi devisa neto - Net open position - rekening administratif 7,720,063 7,404,828 315,235 administrative accounts Posisi devisa neto absolut - Absolute net open position - rekening administratif 315,235 administrative accounts Posisi devisa neto absolut - Absolute net open position - keseluruhan 197,730 overall Jumlah Tier I dan II Modal 1,816,912 Total Tier I and II Capital Rasio posisi devisa neto - Net open position ratio - neraca 7.03 balance sheet Rasio Posisi Devisa Neto - keseluruhan 10.90 Net open position ratio – overall Perhitungan Posisi Devisa Neto per tanggal 31 Desember 2008 dan 2007 didasarkan pada Peraturan Bank Indonesia No. 737PBI2005 tertanggal 30 September 2005 Berdasarkan peraturan tersebut, bank disyaratkan untuk menjaga posisi devisa neto neraca dan secara keseluruhan maksimum 20 dari jumlah modal. The Net Open Position calculation as of 31 December 2008 and 2007 was based on Bank Indonesia’s Regulation No. 737PBI2005 dated 30 September 2005. Based on the regulation, banks are required to maintain on balance sheet and an overall net open position of a maximum of 20 of total capital.

22. TRANSAKSI DENGAN

PIHAK YANG MEMPUNYAI HUBUNGAN ISTIMEWA 22. RELATED PARTY TRANSACTIONS Bank melakukan transaksi dengan pihak-pihak yang mempunyai hubungan istimewa. Seluruh transaksi tersebut dilakukan sesuai dengan ketentuan dan kondisi komersial normal. The Bank engages in transactions with parties related to the Bank. All such transactions are made in accordance with normal commercial terms and conditions. Pihak-pihak yang mempunyai hubungan istimewa dengan Bank terdiri dari pemegang saham Bank DBS Bank Ltd. Singapore dan BCA, entitas lain yang memiliki pemegang saham pengendali yang sama Bank DBS di negara-negara lain dan PT DBS Vickers Securities Indonesia, entitas lain yang memiliki pemegang saham akhir yang sama PT Bank Danamon Tbk, PT Wahana Otomitra Multiartha Tbk, Standard Chartered Bank, PT Indosat Tbk dan karyawan kunci Bank. The Banks related parties include its shareholders DBS Bank Ltd. Singapore and BCA, entity owned by the same controlling shareholders DBS Bank in other countries and PT Bank DBS Vickers Securities Indonesia, entity owned by the same ultimate shareholders PT Bank Danamon Tbk, PT Wahana Otomitra Multiartha Tbk, Standard Chartered Bank, PT Indosat Tbk and the Banks key management. .