Current Accounts with Other Banks

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 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 26 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date : Other significant information related to loans are as follows: a. Loans as of December 31, 2006 and 2005 are in Rupiah denomination. b. Loans are secured by collaterals such as deposits, collaterals that are notarized by deed of encumbrance of power of attorney to sell or to encumber or other collaterals that are acceptable by the Bank. c. Fixed loans consists of working capital, investments and consumer loans. Loans for working capital and investments include long term, fixed, revolving, and discounted loans, while consumer loans include housing, car, and other consumer loans. d. Loans to Directors and Employees, substantially represent loans with annual interest rates up to 5 for purchase of cars, houses and other personal necessities, with maturity periods ranging from 1 one to 15 fifteen years. The payments are deducted from monthly salary. e. Loans to the related parties before allowance for possible losses amounted to Rp 5,580,216,176 as of December 31, 2006 2005: Rp 4,777,881,331; after allowance for possible losses amounted to Rp 5,524,414,010 as of December 31, 2006 2005: Rp 4,730,102,518 see Note 31. f. In 2006 and 2005, there is no loan restructuring. The last loan restructuring was in year 2004. g. As of December 31, 2006 and 2005, the Bank did not violate or exceed the Legal Leading Limit LLL requirement. h. The Bank’s Non Performing Loans NPL Ratio-Net as of December 31, 2006 is 1.08 2005: 1.20, meanwhile Bank’s NPL-Gross as of December 31, 2006 is 4.55 2005: 5.33. i. The changes in the allowance for posible losses are as follows: 2006 2005 Rp Rp Balance at the Beginning of the Year 147,040,565,427 94,293,666,368 Provision Reversal During the Year 214,479,657,270 113,281,821,906 Recovery of Written-off Loans During the Year 3,948,303,871 6,505,337,514 Written-off for the Year 62,770,731,398 -- Adjustment 140,181,558,927 67,040,260,361 Balance at the End of the Year 162,516,236,243 147,040,565,427 Management believes that the above allowance for possible losses is adequate to cover possible losses, which might arise from uncollectible loans.