2 25.1
23.7 23.7
T otal CAR
2
1,132 31
23.2 17.8
42.4 24.5
56.7 4.2
48.3 5.1
0.8 22,787
183,185 256,784
92,536 103,905
H 1 2005
3.8 29.0
4.7 7.6
0.6 0.2
3.6 YoY Change
1,175 40
24.6 19.4
49.1 24.9
54.7 4.3
47.3 6.9
0.9 23,856
197,027 255,278
92,338 107,828
H 1 2006
23,215
T otal Equity
51.8
LDR
23.2
T otal CAR
incl. Market Risk
18.0
T ier 1 CAR
2
44.4
Provisions N PLs
56.6
Cost to Income
1
2.5
RoE – after tax p.a.
0.5
RoA - before tax p.a.
1,150
Book ValueShare Rp
30
EPS Rp
25.3
Gross N PL T otal Loans
4.0
N IM quarterly
206,289
Customer Deposits
263,383
T otal Assets
92,056
Government Bonds
106,853
Gross Loans
FY 2005
IDR billion
1 G A and employee expenses N et Interest Income + Other Operating Income, excluding bond gains 2 Bank only – N ot including M arket Risk
3
Summary PL Information – H 1 2005 vs. H 1 2006
66.0
0.1
96
0.2 282
Gain from Increase in Value Sale of Bonds
105.7
0.0
2
0.0 35
N on Operating Income 18.8
0.2
281
0.3 346
Other Operating Expenses
22.1
0.9
1,178
0.8 965
N et Income Before T ax 3.2
1.1
1,425
1.2 1,472
G A Expenses 12.3
1.1
1,439
1.0 1,281
Personnel Expenses 3.0
1.4
1,826
1.5 1,883
Provisions, N et
32.3
0.6
815
0.5 616
N et Income After T ax 17.6
0.9
1,176
0.8 1,000
Profit from Operations 4.9
0.9
1,201
0.9 1,145
Other Operating Income 6.5
3.7
4,850
3.6 4,555
N et Interest Income 68.3
6.5
8,416
4.0 5,001
Interest Expense 38.8
10.2
13,266
7.6 9,556
Interest Income
of Av.Assets
Rp Billions
of Av.Assets
Rp Billions
YoY Change
H 1 2006 H 1 2005
of Average Assets on an annualized basis primarily premiums paid under the blanket guarantee scheme
177.4 176.9
153.5 153.8
153.9 155.5
148.8 152.7
38.6 54.0
47.1 50.6
55.4 50.2
54.6 60.7
56.6 60.2
51.4 64.5
57.6 55.1
92.3 92.2
137.0 131.4
122.9 107.3
102.3 92.1
92.3 92.5
93.2 93.1
94.0
44.0 43.0
48.3 50.4
57.0 65.4
68.7 66.8
72.6 75.9
76.7 107.8
105.1
48.3 94.4
87.0 82.3
99.5 104.0
106.7 106.9
36.1 39.0
44.6 57.3
60.5 33.4
27.0
2 4
6 8
1 1
2 1
4 1
6 1
8 2
2 2
2 4
2 6
2 8
Q4 99 Q4 00
Q4 01 Q1 02
Q2 02 Q3 02
Q4 02 Q1 03
Q2 03 Q3 03
Q4 03 Q1 04
Q2 04 Q3 04
Q4 04 Q1 05
Q2 05 Q3 05
Q4 05 Q1 06
Q2 06
G o
v e
rn m
e n
t B
o n
d s
L o
a n
s O
th e
r A
ss e
ts
4 5
.6
4 7
.4
6 .6
6 3
.6
6 7
.8
6 8
.2
7 4
.1
7 5
.4 4
1 .4
4 .9
4 7
.1
4 2
.3
1 9
.0 1
9 .0
1 9
.3 2
2 .1
2 9
.9 3
4 .1
4 6
.2 5
.0
5 .6
4 .6
In t.
f ro
m B
o n
d s
In t.
f ro
m L
o a
n s
T o
ta l
as se
ts f
e ll
b y
.5 Y
-o -Y
b u
t ro
se .2
Q -o
-Q
To ta
l A s se
ts R
p t n
C o
n so
li d
at e
d
5
2.6 3.6
Q oQ Growth YoY Growth
4 4
.6 4
1 .2
4 2
.3 4
3 .0
4 4
.5 4
9 .2
4 2
.5 4
8 .3
4 8
.3 5
.4 5
8 .7
6 5
.4 6
8 .7
6 6
.8 7
2 .6
7 5
.9 7
6 .7
8 2
.3 8
7 .0
9 4
.4 9
9 .5
1 6
.7 1
6 .9
1 5
.1 1
7 .8
1 4
.0 27.5
36.1 54.7
51.8
26.3 25.3
28.3 26.5
35.4 56.8
53.7 42.5
47.9
Q 1
Q 3
Q 1
1 Q
3 1
Q 1
2 Q
3 2
Q 1
3 Q
3 3
Q 1
4 Q
3 4
Q 1
5 Q
3 5
Q 1
6
Loans Rp tn LDR
22.6 31.4
33.0 37.7
35.1 35.7
32.9
1.6 3.7
5.1 8.5
10.8 11.5
11.8 45.2
42.3 40.6
38.2 39.5
44.0 44.7
40.2
22.2 6.1
6.7 8.2
1.2 1.7
2.0 1.5
Q 4
2 Q
2 3
Q 4
3 Q
2 4
Q 4
4 Q
2 5
Q 4
5 Q
2 6
Quarterly Loan Data – Consolidated
2.0 63.0
1.990 Micro
8.2 35.6
8.234 Small
11.7 8.8
11.755 Consumer
100.0 3.0
100.082 T otal
32.9 6.2
