66.0 13.5 17.7 21.9 19.7 17.7 24.7 32.5 11.7 16.3 8.7 10.7 Growth 2003 Q2 Analysts Meeting

8

73.4 67.1

68.0 68.6

67.7 66.0

62.8 10.8

11.0 11.4

11.7 13.5

16.3 17.7

15.8 21.9

20.6 19.7

18.8 17.7

19.5 20 40 60 80 100 H1 2000 H2 2000 H1 2001 H2 2001 H1 2002 H2 2002 H1 2003 Time Savings Demand 20 40 60 80 100 Funding Mix Improves 163 190 154 184 184 183 174 Total Rp Tr Deposit Analysis 1 Consumer Commercial Deposits By Depo sit Type By Customer Type 9 Savings Deposit Growth Generating a Better Funding Mix

22.3 24.7

29.9 32.5

16.6 19.8

18.0 11.0

11.4 11.7

13.5 16.3

17.7 10.8 5 10 15 20 25 30 35 40 H1 2000 H2 2000 H1 2001 H2 2001 H1 2002 H2 2002 H1 2003 2 4 6 8 10 12 14 16 18 Savings Deposits of Total Savings Deposits, Rp. Trillion o f Total Deposits 8.5

9.9 8.7

21.3 10.7

12.6 Growth

10 Enhanced Distribution System Prior to Legal Merger Prior to Legal Merger June 2003 June 2003 406 full fledged branches 174 sub branches 160 cash outlets 513 ATMs 54 hubs 422 spokes 215 cash outlets 1,574 ATMs Enhanced Distribution Network 1,574 533 1,184 1,559 248 176 63 16 500 1,000 1,500 2,000 2,500 2000 2001 2002 H1 2003 50 100 150 200 250 ATMs ATM Transactions 000 of Distribution Outlets Avg. Daily ATM Trans a c tion Volume ‘00 15-fold increase in electronic transactions within 2.5 years ATM Transaction Growth Distribution Capability ATMs ATMs Cash Cash Outlets Outlets Tele Tele - - banking banking Mobile Mobile Banking Banking Internet Internet Banking Banking 1 1 Branches Branches Distribution Distribution Capability Capability CBCs CBCs Priority Priority Banking Banking 1Internet Banking to be introduced in 2003 11 Recap Bond Portfolio AFS 21.5 HTM 75.5 Trading 3.0 Fixed 26.6 Variable 64.4 Hedge 9.0 Breakdown as of Jun 2003 5 Years 87.8 1 Year 1.7 1 - 5 Years 10.5 „ During H1 2003, we sold Rp. 13.29 trillion in Re-cap bonds, with an aggregate realized gain on the PL of Rp 1.16 trillion

1.2 137.0