Current Accounts with Bank Indonesia

These financial statements are originally issued in Indonesian language PT BANK DKI NOTES TO THE FINANCIAL STATEMENTS Continued For the Years Ended December 31, 2006 and 2005 In Full Rupiah 24 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date :

9. Loans

a. By Types of Loans

Current Special Mention Substandard Doubtful Loss Total Rp Rp Rp Rp Rp Rp Working Capital 355,617,315,105 12,421,166,048 5,792,078,954 5,496,788,915 41,207,152,667 420,534,501,689 Consumer 2,654,484,336,649 151,344,214,457 15,885,893,260 17,534,388,719 60,553,571,737 2,899,802,404,822 Investment 90,436,158,793 14,031,848,277 2,399,404,980 11,174,027,484 5,716,971,384 123,758,410,918 Sharia Financing 73,194,555,835 1,756,994,815 364,194,481 319,930,584 424,138,922 76,059,814,637 Loans to Directors and Employees 167,670,114,957 14,123,750 -- -- 952,303,362 168,636,542,069 Sub Total 3,341,402,481,339 179,568,347,347 24,441,571,675 34,525,135,702 108,854,138,072 3,688,791,674,135 Less: Allowance for Possible Losses 23,754,877,202 8,978,417,367 3,666,235,751 17,262,567,851 108,854,138,072 162,516,236,243 Total 3,317,647,604,137 170,589,929,980 20,775,335,924 17,262,567,851 -- 3,526,275,437,892 2006 Current Special Mention Substandard Doubtful Loss Total Rp Rp Rp Rp Rp Rp Working Capital 345,257,773,308 16,018,810,527 12,348,303,616 4,548,480,331 39,594,347,639 417,767,715,421 Consumer 1,782,393,644,388 148,168,610,442 12,486,859,073 12,133,376,913 34,969,596,036 1,990,152,086,852 Investment 128,268,842,655 9,085,007,570 901,106,467 1,697,409,487 26,715,505,000 166,667,871,179 Sharia Financing 52,640,333,724 -- -- -- -- 52,640,333,724 Loans to Directors and Employees 108,461,815,220 3,537,788,342 -- -- 890,011,595 112,889,615,157 Sub Total 2,417,022,409,295 176,810,216,881 25,736,269,156 18,379,266,731 102,169,460,270 2,740,117,622,333 Less: Allowance for Possible Losses 22,980,520,574 8,840,510,844 3,860,440,373 9,189,633,366 102,169,460,270 147,040,565,427 Total 2,394,041,888,721 167,969,706,037 21,875,828,783 9,189,633,365 -- 2,593,077,056,906 2005

b. By Economic Sectors

Current Special Mention Substandard Doubtful Loss Total Rp Rp Rp Rp Rp Rp General Trading and Administration 213,342,704,505 16,106,095,256 5,220,532,643 11,228,571,708 20,473,984,245 266,371,888,357 Manufacturing 6,357,091,737 7,008,388 -- -- 603,081,684 6,967,181,809 Business Services 47,792,343,257 706,395,117 560,069,246 3,666,746,153 9,336,839,441 62,062,393,214 Construction 127,245,456,032 3,733,802,085 1,821,679,466 1,897,891,836 15,018,658,157 149,717,487,576 Transportation 16,450,229,873 33,003,162 85,600,000 126,000,001 296,315,562 16,991,148,598 Social Services 14,234,598,064 -- -- 150,000,000 398,358,478 14,782,956,542 Others 2,915,980,057,871 158,982,043,339 16,753,690,320 17,455,926,004 62,726,900,505 3,171,898,618,039 Sub Total 3,341,402,481,339 179,568,347,347 24,441,571,675 34,525,135,702 108,854,138,072 3,688,791,674,135 Less: Allowance for Possible Losses 23,754,877,202 8,978,417,367 3,666,235,751 17,262,567,851 108,854,138,072 162,516,236,243 Total 3,317,647,604,137 170,589,929,980 20,775,335,924 17,262,567,851 -- 3,526,275,437,892 2006 These financial statements are originally issued in Indonesian language PT BANK DKI NOTES TO THE FINANCIAL STATEMENTS Continued For the Years Ended December 31, 2006 and 2005 In Full Rupiah 25 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : Current Special Mention Substandard Doubtful Loss Total Rp Rp Rp Rp Rp Rp General Trading and Administration 238,912,920,967 8,634,252,005 3,439,030,168 4,655,630,262 26,327,922,777 281,969,756,179 Manufacturing 9,702,732,080 12,425,057 18,078,913 -- 2,142,858 9,735,378,908 Business Services 49,182,741,019 38,481,596 -- 46,830,186 26,878,728,780 76,146,781,581 Construction 110,979,956,123 11,199,842,484 9,007,124,295 600,000,000 11,710,984,955 143,497,907,857 Transportation 19,510,042,034 684,756,905 -- -- -- 20,194,798,939 Social Services 14,869,623,979 510,701,092 -- 5,833,330 402,927,141 15,789,085,542 Others 1,973,864,393,093 155,729,757,742 13,272,035,780 13,070,972,953 36,846,753,759 2,192,783,913,327 Sub Total 2,417,022,409,295 176,810,216,881 25,736,269,156 18,379,266,731 102,169,460,270 2,740,117,622,333 Less: Allowance for Possible Losses 22,980,520,574 8,840,510,844 3,860,440,373 9,189,633,366 102,169,460,270 147,040,565,427 Total 2,394,041,888,721 167,969,706,037 21,875,828,783 9,189,633,365 -- 2,593,077,056,906 2005 The loan risk classifications based on credit classifications prescribed by Bank Indonesia are as follows: Allowance for Credit Classification Loan Amount Possible Losses Rp Rp Current 91 3,341,402,481,339 23,754,877,202 Special Mention 5 179,568,347,347 8,978,417,367 Substandard 1 24,441,571,675 3,666,235,751 Doubtful 1 34,525,135,702 17,262,567,851 Loss 3 108,854,138,072 108,854,138,072 Total 100 3,688,791,674,135 162,516,236,243 2006 Loan Portfolio Allowance for Credit Classification Loan Amount Possible Losses Rp Rp Current 88 2,417,022,409,295 22,980,520,574 Special Mention 6 176,810,216,881 8,840,510,844 Substandard 1 25,736,269,156 3,860,440,373 Doubtful 1 18,379,266,731 9,189,633,366 Loss 4 102,169,460,270 102,169,460,270 Total 100 2,740,117,622,333 147,040,565,427 2005 Loan Portfolio