2.5 3.0 2.5 11.3 10.4 11.8 10.9 10.4 4.6 4.2 4.0 4.5 4.1 4.2 15.1 14.8 15.6 15.4 15.8 15.3 13.1 11.2 11.8 Presentation: Operating growth trends continue

30

4.6 2.1

2.0 2.2

2.4 2.5

2.6 3.0

2.1 2.5

5.2 2003 2004 2005 Mar Jun Sep Dec Mar Jun Sep Dec NPL rate at 2.1 Loss Doubtful Substandard NPL rate 22 5 73 3,780 20 9 71 1,919 19 6 75 3,359 19 9 72 2,182 21 9 70 1,934 20 9 71 1,919 19 9 72 1,928 18 11 71 1,896 18 14 68 1,807 2004 2005 20 15 65 1,865 20 15 65 1,865 Sm 31 Non-performing assets increase slightly in 4Q 3Q 2005 4Q 2004 4Q 2005 NPAs at start of period New NPAs Net recoveries of existing NPAs Write-offs NPAs at end of period Sm 1,807 250 150 42 1,865 2,182 114 283 79 1,934 1,896 180 225 44 1,807 32 tangerinesin\Analyst presentation\1H2001 Results\06 Analyst Presentation.ppt Add charges for New NPLs Existing NPLs 86 33 119 74 42 116 Sm 4Q 2005 4Q 2004 Subtract charges for Upgrading Settlements Recoveries Total SP charges 3Q 2005 40 49 89 Specific provision charges higher in 4Q from lower write-backs 1 41 6 48 71 2 64 13 79 37 1 40 18 59 30 33 tangerinesin\Analyst presentation\1H2001 Results\06 Analyst Presentation.ppt Add charges for New NPLs Existing NPLs 223 169 392 217 179 396 Sm 2005 2004 Subtract charges for Upgrading Settlements Recoveries Total SP charges Specific provision charges for 2005 higher from lower write-backs 7 154 35 196 196 24 245 34 303 93 34 1,323 689 769 1,199 794 715 689 700 716 726 769 1,064 1,017 1,031 1,072 1,025 1,037 1,017 1,036 1,068 1,031 1,031 1,800 2,387 1,706 1,800 2,271 1,819 1,752 1,706 1,736 1,784 1,757 2003 2004 2005 Mar Jun Sep Dec Mar Jun Sep Dec SP+GP Unsec NPAs 124 187 198 132 156 183 187 202 201 207 198 SP+GP NPAs 63 89 97 68 83 91 89 90 94 97 97 Coverage ratios GP SP 2004 2005 Sm Provision coverage maintained at 97 35

10.5 11.3

10.6 10.4

11.6 11.8

11.3 10.9

10.6 10.4

10.6 4.6

4.5 4.2

4.1 4.0

3.6 4.5

4.4 4.1

4.3 4.2

14.8 15.1

15.8 14.8

14.5 15.6 15.4 15.8 15.3

14.7 14.7 2003 2004 2005 Mar Jun Sep Dec Mar Jun Sep Dec 2005 capital ratios based on MAS framework. Earlier periods based on BIS guidelines Tier-1 capital 9.6

11.8 13.1

10.2 11.2

11.5 11.8

11.8 12.2