44.0 42.3
42.6 59.2
51.3 51.6
58.1 61.0
56.1 64.3
72.5 77.8
79.5 89.5
91.9 94.2
96.2 102.3
108.9 114.1
115.9 117.5
115.9 110.7
110.7 110.4
112.2
15.5 14.6
15.1 15.4
17.8 16.8
18.4 17.0
20.7 24.4
25.0 25.5
28.1 26.5
27.2 27.5
30.4 27.5
27.8 27.4
27.9 27.8
28.1 28.4
13.3 13.3
9.7
Q 2 00 Q 3 00
Q 4 00 Q 1 01
Q 2 01 Q 3 01
Q 4 01 Q 1 02
Q 2 02 Q 3 02
Q 4 02 Q 1 03
Q 2 03 Q 3 03
Q 4 03 Q 1 04
Q 2 04 Q 3 04
Q 4 04 Q 1 05
Q 2 05 Q 3 05
Q 4 05 Q 1 06
Q 2 06 Q 3 06
Q 4 06
R W
A R
p t
n T
o ta
l C
a p
it a
l R
p t
n
2 6
.1 3
1 .3
2 6
.4 2
7 .5
2 5
.3 2
5 .3
2 5
.1
2 3
.7
2 3
.7
2 8
.5 2
9 .8
2 3
.4 2
7 .7
3 .7
C A
R B
I M
in R
e q
C A
R r
o se
t o
2 5
.3 o
n a
1 .0
i n
c re
a se
i n
c a
p it
a l
50
Additional Factors
W ritten-off Loans
W ritten-off Loans
Aggregate of ID R 24.76 tn US 2.75 bn in written-off loans as of end- D ecember 2006, with significant recoveries on-going:
¾
2001: ID R 2.0 tn
¾
2002: ID R 1.1 tn
¾
2003: ID R 1.2 tn
¾
2004: ID R 1.08 tn
¾
2005: ID R 0.818 tn US 83.2 mn
¾
Q 1 ’06: ID R 0.204 tn US 22.5 mn
¾
Q 2 ’06: ID R 0.200 tn US 21.6 mn
¾
Q 3 ’06: ID R 0.359 tn US 38.9 mn
¾
Q 4 ’06: ID R 2.645 tn US293.8 mn, including the write-back of RGM loans totaling ID R 2.336 tn
Loan Collateral
Undervalued Loan
Collateral Undervalued
Collateral values included for provisioning purposes on only 107 accounts. This will rise as current valuations are completed
51
Summary Q uarterly Balance Sheet: Q 4 ‘05 – Q 4 ‘06
23.9 107.7
47.0 42.3
197.0 94.7
13.2 26.8
81.0 107.8
61.1 28.9
2.3 92.3
3.8 12.6
0.0 10.3
20.2 3.0
255.3
Rp tn
Q 2 ‘06
120.5 1.6
14.3 8.4
7.3 6.5
Certificates of BI
6.3 2.4
21.6 19.5
22.2 20.3
Current Accounts wBI
58.6 0.4
4.0 3.3
3.3 2.5
Cash
24.4 102.7
48.8 42.9
194.4 95.5
13.3 26.8
82.0 108.8
61.1 29.0
0.8 90.9
3.8 13.9
0.4 253.7
Rp tn
Q 3 ‘06
26.3 96.6
60.3 48.8
205.7 103.3
14.4 19.2
98.4 117.7
61.1 28.7
0.8 90.7
4.0 10.0
0.0 267.5
Rp tn
Q 4 ‘06
13.5 2.9
23.9 23.2
Shareholders’ Equity 14.3
10.7
110.1 112.7
Certificate Time Deposits
27.9 6.7
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