By Types of Loans By Economic Sectors

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 32 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : The amount of time deposits based on its period: Rupiah Foreign Total Rupiah Foreign Total Currency Currency Rp Rp Rp Rp Rp Rp 1 month -- -- -- 850,341,261,873 845,835,227 851,187,097,100 1 - 3 months 1,448,660,062,672 2,383,940,202 1,451,044,002,874 191,740,646,045 255,580,050 191,996,226,095 3 months - 6 months 16,681,528,094 -- 16,681,528,094 127,597,178,146 565,225,000 128,162,403,146 6 months - 12 months 191,494,363,460 292,597,500 191,786,960,960 18,035,223,662 -- 18,035,223,662 12 months - 24 months 10,000,000 -- 10,000,000 -- -- -- On Call 2,370,000,000 -- 2,370,000,000 -- -- -- Total 1,659,215,954,226 2,676,537,702 1,661,892,491,928 1,187,714,309,726 1,666,640,277 1,189,380,950,003 2006 2005 The amount of time deposits based on the remaining period until maturity: Rupiah Foreign Total Rupiah Foreign Total Currency Currency Rp Rp Rp Rp Rp Rp = 1 month 1,250,091,010,891 2,261,255,240 1,252,352,266,131 850,331,431,873 855,665,227 851,187,097,100 1 - 3 months 232,581,051,049 -- 232,581,051,049 191,897,926,095 98,300,000 191,996,226,095 3 - 6 months 93,963,831,286 415,282,462 94,379,113,748 127,449,728,146 712,675,000 128,162,403,146 6 - 12 months 82,580,061,000 -- 82,580,061,000 18,035,223,662 -- 18,035,223,662 Total 1,659,215,954,226 2,676,537,702 1,661,892,491,928 1,187,714,309,776 1,666,640,227 1,189,380,950,003 2006 2005

16. Deposits from Other Banks

2006 2005 Rp Rp Call Money 1,908,821,902,781 280,726,840,277 Demand Deposits 2,770,730,635 5,278,785,795 Deposits on Call - 20,567,614,626 Time Deposits 2,370,000,000 2,370,000,000 Total 1,913,962,633,416 308,943,240,698 Average Interest Rates per Annum Call Money 8.87 8.42 Demand Deposits 4.68 3.73 Deposits On Call 10.70 9.26 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 33 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date :

17. Securities Issued

2006 2005 Rp Rp Bonds - Bank DKI IV 700,000,000,000 700,000,000,000 Emission Cos t - Bonds Issued 4,058,564,456 5,681,990,240 695,941,435,544 694,318,009,760 Buy Back Bonds Bank DKI IV 185,839,250,000 180,864,250,000 Bonds - Net 510,102,185,544 513,453,759,760 On 2004, the Bank issued Bonds Bank DKI IV with 5 five years period and will be due in year 2009. The bonds have fixed interest rate of 12.50 per annum. The bonds interest will be paid every 3 months on the date of 17th. As of December 31, 2006 and 2005, Bond Bank DKI IV obtains rating of idBBB and idBBB- Pefindo, respectively.

18. Borrowings

2006 2005 Rp Rp Two Step Loans Finance Department Departemen Keuangan 60,003,389,618 50,003,389,618 PT Bank Tabungan Negara 4,746,487,201 5,705,617,358 Bank Indonesia 2,710,322,835 2,828,187,543 Total 67,460,199,654 58,537,194,519 i Finance Department Departemen Keuangan 2006 2005 Rp Rp Micro and Small Business Loans 60,000,000,000 50,000,000,000 Funds Borrowing-Rolling 3,389,618 3,389,618 Total 60,003,389,618 50,003,389,618 This account consists of credit facilities from Finance Department of Republic Indonesia for micro and small business loans, each in the amount of Rp 50 million and Rp 500 million, respectively. Finance Department willl provide funds formicro and small business credit for Rp 50 billion. This borrowing will be charged interest as much as SBI’ s interest rate for 3 threes months, while Bank gives interest to debitur, as high as 10 above SBI’s interest rates for 3 three months to micro and as high as 7 above SBI ’s interest rate for 3 three month’s for small business. Payment of principal will be in 5 five times installment equally every June the 10th and December 10th, which will be started on Desember 10, 2007 and ended on December 10, 2009. 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 34 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : ii Borrowing from Banks and Other Financial Institution 2006 2005 Rp Rp Syndicated Loans 2,509,893,701 3,006,402,769 PT Bank Tabungan Negara 2,236,593,500 2,699,214,589 Total 4,746,487,201 5,705,617,358 a. Syndicated Loans This account represents the balance from syndicated loans with Bank Tabungan Negara for the purpose of housing loans KPR. For each loan, Bank Tabungan Negara will provide borrowing funds of 80 from the loan limit given, while the remaining will be covered by the Bank.

b. PT Bank Tabungan Negara

This account represents the borrowing account for the purpose of housing loans KPR-RSS and KPR-RS that are received from the Government of Republic of Indonesia through PT Bank Tabungan Negara as coordinator in disbursing the fund borrowing of Investment Fund Account RDI. iii Bank Indonesia This account represents the credit facilities that received from Bank Indonesia BI in form of liquidity credit that is for housing loan KPRSRSS. Based on the housing loan agreement, for each KPRSRSS, BI will provide liquidity credit for 62.50 for housing loan T36, 60.00 for housing loan T21 and 67.50 for housing loan – RSS fromthe limit given by the Bank, while the remaining will be covered by the Bank. This borrowing will be charged 3, 3 and 9 per year calculated from the Bank’s borrowing balance to BI, while the Bank will receive 8.5, 11 and 14 per year for housing loan provided. Details of housing loan program are as follows: 2006 2005 Rp Rp Credit Liquidity KPR-RS 2,032,620,062 2,150,484,770 Credit Liquidity KPR-RSS 677,702,773 677,702,773 Total 2,710,322,835 2,828,187,543 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 35 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date :

19. Accruals and Other Liabilities

2006 2005 Rp Rp Security Deposits 23,594,585,845 11,616,230,780 Sharia Liabilities 13,831,517,019 3,548,475,000 Accrued Liabilities of Banks Operational 12,340,138,662 12,519,405,828 Personnel Liabilities 10,697,462,863 397,478,573 Third Party Liabilities 9,162,264,249 5,459,207,873 Accrued Liabilities- Financing 6,865,215,316 26,016,709,558 Accrued Liabilities - Office Overhead 3,816,643,418 1,952,776,851 Deferred Income 1,578,660,775 918,833,405 Undistributed Profit Sharing 56,919,577 61,428,012 Others 78,264,586 -- Total 82,021,672,310 62,490,545,880

20. Taxation

a. Taxes Payable

2006 2005 Rp Rp Income Tax Article 21 - Wapu 10,729,308,718 4,541,275,375 Income Tax Article 22 - Wapu 4,869,032 545,454 Income Tax Article 4 Final - Wapu 2,019,799,155 1,890,269,061 Income Tax Article 23 Service - Wapu 306,713,533 219,051,908 Income Tax Article 25 - Wapu 3,320,867,346 1 Income Tax Article 29 - Wapu - 7,823,163,500 Value Added Tax 37,928,300 37,382,846 Tax Deposits that will be Paid as Bank Persepsi 2,093,195,517 3,262,182,685 Total 18,512,681,601 17,773,870,830