Provisions for employee benefits

CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2008 DAN 2007 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2008 AND 2007 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 534 – Schedule 19. MODAL SAHAM lanjutan

19. SHARE CAPITAL continued

2007 Jumlah lembar saham yang ditempatkan dan Persentase disetor penuh kepemilikan Number of Jumlah Percentage issued and nominal of ownership paid-in shares Nominal value DBS Bank Ltd. Singapore 99.00 25,740 1,287,000 DBS Bank Ltd. Singapore Edwin Soeryadjaya 0.68 176 8,800 Edwin Soeryadjaya Sandiaga Salahu ddin Uno 0.32 84 4,200 Sandiaga Salahuddin Uno 100.00 26,000 1,300,000 Berdasarkan rapat Keputusan Pemegang Saham tanggal 26 Juni 2008, disetujui adanya pemindahan hak atas 176 saham Bank milik Edwin Soeryadjaya dan 84 saham Bank milik Sandiaga Salahuddin Uno kepada PT Bank Central Asia Tbk. BCA. Keputusan pemegang saham ini telah disahkan dengan Akta Notaris Eliwaty Tjitra, S.H., No. 220 tanggal 26 Juni 2008. The Resolution of the Shareholders meeting on 26 June 2008 approved the transfer of 176 shares issued by the Bank owned by and registered under the name of Edwin Soeryadjaya and 84 shares issued by the Bank owned, by and registered under the name of Sandiaga Salahuddin Uno to PT Bank Central Asia Tbk. BCA. This meeting was notarised by Notarial Deed of Eliwaty Tjitra, S.H., No. 220 dated 26 June 2008. Berdasarkan Rapat Keputusan Pemegang Saham ini juga, disetujui peningkatan modal ditempatkan dari semula sebesar Rp 1.300.000 menjadi sebesar Rp 2.225.000 dengan mengeluarkan sisa saham dalam portofolio sebanyak 18.500 saham dengan nilai nominal Rp 50 dengan perincian sebanyak 18.315 saham akan diambil bagian dan disetor oleh DBS Bank Ltd. Singapore dan sebanyak 185 saham akan diambil bagian dan disetor oleh BCA. Rapat ini telah disahkan kembali dengan Akta Notaris Eliwaty Tjitra, S.H., No. 22 tanggal 2 September 2008 dan telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia melalui Surat Keputusannya No. AHU-68225.AH.01.02.Tahun.2008 tanggal 23 September 2008. Peningkatan modal saham tersebut telah ditempatkan dan disetor penuh oleh para pemegang saham. Based on this Resolution of Shareholders meeting, it also approved the increasing of issued capital Rp 1,300,000 to Rp 2,225,000 by issuing the remaining 18,500 shares of par value Rp 50 with the details 18,315 shares shall be taken and paid by DBS Bank Ltd. Singapore and 185 shares shall be taken and paid by BCA. This meeting was notarised by Notarial Deed of Eliwaty Tjitra, S.H., No. 22 dated 2 September 2008 and had been approved by the Minister of Law and Human Rights of the Republic of Indonesia through its Decision Letter No. AHU- 68225.AH.01.02.Tahun.2008, dated 23 September 2008. The increment in shares has been issued and fully paid by the shareholders of the Bank. CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2008 DAN 2007 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2008 AND 2007 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 535 – Schedule 20. KOMITMEN DAN KONTIJENSI

20. COMMITMENTS AND CONTINGENCIES a.

Berdasarkan jenis a. By type 2008 2007 Tagihan komitmen Commitments receivable Fasilitas pinjaman yang belum digunakan 2,452,500 1,643,775 Undrawn borrowing facilities Kewajiban komitmen Commitments payable - Fasilitas pinjaman kepada debitur yang belum digunakan 900,775 2,365,801 Unused loan facilities - - Letters of credit Outstanding - yang masih berjalan 838,625 484,431 letters of credit Jumlah kewajiban komitmen 1,739,400 2,850,232 Total commitment payables Tagihankewajiban Commitments receivable komitmen - bersih 713,100 1,206,457 payable - net Tagihan kontinjensi Contingent receivables - Garansi yang diterima 6,702,213 7,952,285 Guarantees received - - Pendapatan bunga dalam Interest receivable in - penyelesaian 16,492 4,470 non-performing loan 6,718,705 7,956,755 Kewajiban kontinjensi Contingent payables - Garansi yang diberikan 846,621 600,974 Guarantees issued - Tagihan kontinjensi Contingent receivables - - bersih 5,872,084 7,355,781 net

b. Berdasarkan kolektibilitas

b. By collectibility

2008 2007 Kewajiban komitmen Commitments payable Lancar 1,720,594 2,811,501 Current Dalam perhatian khusus 1,337 37,826 Special mention Kurang lancar 16,840 905 Substandard Diragukan - - Doubtful Macet 629 - Loss 1,739,400 2,850,232 Kewajiban kontinjensi Contingent payables Lancar 843,227 597,824 Current Dalam perhatian khusus 3,394 1,037 Special mention Kurang lancar - 2,113 Substandard 846,621 600,974