23.6 36.9 BII 1.9 3.2 8.4 80.8 77.8 55.2 50.0 32.4 1.8 2.9 5.2 9.3 26.7 6.4 5.8 5.3 3.7 74.4 59.3 42.6 35.3 58.1 40.9 32.0 28.4 12.3 11.1 10.4 10.2 8.7 70.2 2006 Q1 Analysts Meeting

L o a n g ro w th , q u a li ty a n d p ro v is io n in g r e la ti v e t o p e e rs B a n k O n ly , A s o f D e c e m b e r 2 5 335 153 146 83 50 44 42 109 73 80 Lippo BRI BCA Danamon Panin Permata BII BNI Mandiri Niaga R a ti o o f P ro v is io n s t o N P L 100,326 75,533 62,659 54,170 35,995 29,352 22,207 15,509 8,125 20,369 Mandiri BRI BN I BCA Danamon Niaga Permata BII Panin Lippo T o ta l L o a n s R p b n

58.0 13.3

8.3

21.1 23.6

34.1 36.9

39.0 44.7

50.2 BII

Permata Lippo Niaga Panin BCA Danamon BRI Mandiri BN I L o a n G ro w th Y T D

0.5 0.8

1.4 1.9

2.6 3.2

4.3 8.4

16.1 2.1 Lippo BCA Danamon BRI BII Permata Panin Niaga BNI Mandiri N P L R a ti o N e t

85.4 80.8

78.5 77.8

55.3 55.2

54.2 50.0

41.8 32.4

Niaga Danamon Permata BRI BII Panin BNI Mandiri BCA Lippo L o a n t o D e p o si t R a ti o

1.7 1.8

2.6 2.9

4.7 5.2

5.3 9.3

13.7 26.7

BCA Lippo Danamon BII BRI Niaga Permata Panin BN I Mandiri N P L R a ti o G ro ss A v e ra g e A ss e t a n d l ia b il it y m ix r e la ti v e t o p e e rs B a n k O n ly , A s o f D e c e m b e r 2 6

7.2 6.4

6.1 5.8

5.5 5.3

5.0 4.7

4.2 3.7

Panin Danamon Niaga Permata BII Mandiri BRI BN I BCA Lippo

77.5 74.4

67.6 59.3

49.5 42.6

42.4 35.3

48.0 48.4

Niaga Permata BRI Danamon BII Panin BNI Mandiri BCA Lippo 71.4 71.4

68.8 58.1

45.3 40.9

36.8 32.0

29.3 28.4

BCA Lippo BRI BNI Mandiri BII Permata Panin Danamon Niaga 254,289 34,954 29,116 35,758 41,362 47,333 66,764 122,776 147,108 149,663 Mandiri BCA BN I BRI Danamon BII Niaga Panin Permata Lippo L o a n s t o T o ta l E a rn in g A ss e ts C o st o f F u n d s p .a . T o ta l A ss e ts R p b n L o w C o st D e p o si t R a ti o

16.5 12.3

11.7 11.1

10.6 10.4

10.3 10.2

9.4 8.7

BRI Danamon Permata Niaga Panin BII BN I BCA Lippo Mandiri Y ie ld o n A ss e ts p .a . A v e ra g e 199,037 129,556 115,477 97,046 44,417 36,739 34,389 28,302 27,290 25,105 Mandiri BCA BNI BRI Danamon BII Niaga Permata Panin Lippo T o ta l D e p o si ts R p t n E ff ic ie n c y m e a su re s re la ti v e t o p e e rs B a n k O n ly , A s o f D e c e m b e r 2 5

78.1 70.2

65.7 59.7