59.7 56.6 2.8 3.6 3.9 Panin Mandiri 28.2 21.1 14.1 2.8 6.6 4.9 3.8 2.3 1.9 1.6 0.5 2006 Q1 Analysts Meeting

E ff ic ie n c y m e a su re s re la ti v e t o p e e rs B a n k O n ly , A s o f D e c e m b e r 2 5

78.1 70.2

65.7 59.7

59.3 56.6

56.1 56.1

52.0 44.4

Permata BII Lippo BNI Mandiri BRI Niaga Panin Danamon BCA 531 506 505 466 448 302 298 293 354 423 Panin Niaga Mandiri BCA BNI BRI BII Lippo Danamon Permata 10,508 9,392 8,357 6,200 5,901 4,858 4,364 4,108 3,123 2,752 Panin Mandiri Niaga BCA BNI BII Lippo Permata BRI Danamon 7,133 2,230 1,412 2,430 2,592 2,694 3,202 3,224 4,734 5,972 Niaga Panin Mandiri Permata BNI BII BCA BRI Danamon Lippo R e v e n u e E m p lo y e e R p M n C o st I n c o m e L o a n s E m p lo y e e R p M n D e p o si ts E m p lo y e e R p M n 259 244 180 180 166 115 96 91 57 54 Panin BCA BRI Niaga Danamon BNI BII Lippo Permata Mandiri P re T a x I n c o m e E m p lo y e e R p M n

2.5 2.8

2.9 3.6

3.7 3.9

4.0 4.5

6.1

2.2 Panin Mandiri

Niaga BCA BNI Danamon Lippo BII Permata BRI C o st A ss e ts In d u st ry A v e ra g e A n n u a li z e d M e a su re s o f sc a le a n d r e tu rn s re la ti v e t o p e e rs B a n k O n ly , A s o f D e c e m b e r 2 5

37.9 28.2

26.0 24.2

24.1 21.1

14.3 14.1

12.6 2.8

BRI BCA BII Danamon Lippo Niaga Permata Panin BNI Mandiri 948 909 762 746 504 255 213 180 396 306 BNI Mandiri BCA Danamon BRI Lippo Permata BII Niaga Panin

12.2 6.6

6.0 5.9

5.4 5.4

5.4 4.9

4.1 3.8

BRI Danamon BCA Permata Niaga Lippo BNI BII Panin Mandiri 31,079 4,115 2,597 5,753 6,889 7,562 16,139 19,570 20,896 21,192 BRI Mandiri BCA BNI Danamon BII Permata Lippo Niaga Panin B ra n c h e s R e tu rn o n E q u it y A ft e r T a x E m p lo y e e s N e t I n te re st M a rg in s

5.0 4.3

3.4 2.3

2.1 1.9

1.7 1.6

1.2 0.5

BRI Danamon BCA Panin Niaga Lippo BII BNI Permata Mandiri R e tu rn o n A ss e ts B e fo re T a x 3,447 2,560 2,272 804 717 691 674 546 298 197 BCA Mandiri BNI Danamon BII Lippo BRI Permata Niaga Panin A T M s In d u st ry A v e ra g e BAN K CON SOLIDAT ED March 31,2006 March 31,2005 March 31,2006 March 31,2005 Unaudited Unaudited Unaudited Unaudited ASSET S 1. C a s h 3,166,068 2,274,552 3,266,239 2,359,664 2. Placements with Bank Indonesia a. Current accounts with Bank Indonesia 21,758,350 13,948,874 22,206,410 14,295,463

b. Certificates of Bank Indonesia 6,653,174