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
32.925 Commercial
45.1 2.8
45.178 Corporate
of Portfolio
Loans Rp tn
By Segment Bank only
Y-O -Y Growth
Quarterly Loan Segment Details – Bank Only
Corporate
Commercial
Consumer
As of June 2 0 0 6 ; N on-consolidated numbers N ote: Includes IBRA loan purchases of Rp 5 tr
Small Micro
6
283 411 655
199 328
540 1
,8 2
1 ,8
6 1
,9 2
1 ,9
1 2
1 ,9
1 8
1 ,9
3 2
1 ,9
3 8
1 ,9
3 1
,9 6
823 815
786 934
428 494
594 479
510 816
727 653
688 888 792 876
3 ,2
5 3
,0 5
2 ,8
8 5
2 ,5
9 1
1 ,9
9 6
1 ,0
1 1
1 ,5
2 2
3 ,4
5 2
152 3
,9 7
9 4
,0 3
3 4
,1 3
1 4
,2 1
7 4
,2 2
3 3
,5 6
7 2
,8 5
2 1
,0 5
8 1
,9 3
9 1
,9 2
1 1
,9 9
6
1 ,4
9 3
1 ,2
4 1
1 ,2
7 9
1 ,3
6 7
1 ,3
5 4
1 ,2
5 7
1 ,2
6 1
,2 7
1 ,1
3 6
2,000 4,000
6,000 8,000
10,000 12,000
Q 3
3 Q
4 3
Q 1
4 Q
2 4
Q 3
4 Q
4 4
Q 1
5 Q
2 5
Q 3
5 Q
4 5
Q 1
6 Q
2 6
O ther Cash Collateral Loans
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Consumer lending rose 8.8 Y-o-Y on Mortgage growth
10.57 34.16
Cash Collateral Loans
3.02 1.27
Credit Cards
4.73 3.33
Payroll Loans
1.33 5.77
H ome Equity Loans
6.20 33.23
Mortgages
Growth
Q -o-Q Y-o-Y
8.83
44.56 7.62
O ther
T otal Consumer
Loan Type
2.60
Auto Motorcycle Loans channeled or executed through finance companies = Rp 3.25 tn in our Commercial Loan Portfolio
Quarterly Consumer Loan Balances by T ype Consumer Loan Growth by T ype
7
Recap Bond Portfolio stable at Rp92.3 tn in Q 2 ‘06
Portfolio Sales as of June 2006 Rp bn
92.3 61.1
28.9 2.3
T otal -
88.4 3.9
T otal
66.2 31.3
2.5 of T otal
-
- -
- H edge Bonds
95.8
59.7 27.0
1.7 Variable Rate
4.2
1.4 1.9
0.6 Fixed Rate
of T otal
H TM
N ominal Value
AFS
Mark to Market
Trading
Mark to Market
At Fair Value, June 2 0 0 6
Rp tn
1 7
7 .4
1 7
6 .9
1 5
3 .5
1 4
8 .8
1 2
3 .0
9 3
.1 9
2 .3
9 2
.2 9
2 .1
4.0 0.0
32.3
0.0 2.5
1.0 15.8
24.5
40 80
120 160
200
1999 2000
2001 2002
2003 2004
2005 Q 1 06 Q 2 06
5 10
15 20
25 30
35
Recap Bonds Bond Sales
Bond Portfolio Movement Fair Value 1999 – Q 2 ‘06
R u
p ia
h T
ri ll
io n
s
48 5
20 Q 1 ‘06
66 257
2,544 2005
17
Q2 ‘06
66 1,365
32,334 2004
1,868 Realized
Profit
Unrealized Profit
Bonds Sold
ID R bn
52 24,505
2003
Mark to Market impacts Profit Mark to Market impacts Equity
8
1 4
.3 1
8 .0
2 2
.1 2
2 .3
2 4
.4 2
5 .1
2 9
.6 2
8 .9
3 1
.9 3
3 .4
4 .6
4 .5
4 2
.3 4
4 .6
5 2
.0 4
9 .5
4 7
.8 4
4 .2
4 5
.2 4
1 .8
4 4
.7 1
4 .1
3 1
.1 3
1 .2
2 7
.7 2
7 .2
2 6
.1 2
4 .8
2 4
.8 2
7 .9
3 .1
2 8
.8 3
.8 3
.7 3
.9 2
8 .0
2 7
.5 3
.8 2
8 .3
3 .1
3 .2
2 8
.0 9
7 .1
8 7
.8 1
6 .9
1 7
.7 1
6 .1
1 4
.1 1
5 .1
9 6
.7 8
5 .9
8 .5
7 .3
6 8
.4 6
3 .4
9 .8
8 9
.1
16.5 21.5
23.4 21.5 17.8 20.6 20.6 19.4 18.6 18.0 17.3
16.5 13.8 12.5 11.6
11.1 13.3 16.3
15.7 15.9 15.1
12.6 12.3
11.9 12.3
11.9 11.6
14.9 1
.7 6
6 .5
6 5
.0 7
2 .3
7 9
.8 9
3 .2
20 40
60 80
100 120
140 160
180 200
Q 4
9 9
Q 4
Q 4
1 Q
1 2
Q 2
2 Q
3 2
Q 4
2 Q
1 3
Q 2
3 Q
3 3
Q 4
3 Q
1 4
Q 2
4 Q
3 4
Q 4
4 Q
1 5
Q 2
5 Q
3 5
Q 4
5 Q
1 6
Q 2
6
Rp Savings Deposits Rp Demand Deposits
FX Demand Deposits Rp Time Deposits
FX Time Deposits
Deposit Analysis – Bank Only
D e
p o
si ts
b y
T y
p e
R p
t n
68.7 68.6
