Investments in Shares of Stocks

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 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 36 DRAFT For Discussion Purpose Only April 26, 2007 To be Finalized Agreed by : Date :

b. Corporate Income Tax

Reconciliation between profit before income tax as presented in statements of income and estimated fiscal profit of the Bank are as follows: 2006 2005 Rp Rp Profit Before Estimated Income Tax According to Statement of Income 154,283,544,336 143,010,058,248 Temporary Differences Allowance for Possible Losses on Earning Assets Loans and Placements with Other Banks -- 14,681,613,822 Allowance for Possible Losses on Earning Assets Securities 17,110,588,926 4,692,733,049 Permanent Differences Third Party Service and Marketing 1,513,742,211 621,369,644 Income on Employees Loan 7,651,981,840 -- Other Tax Expenses 6,373,782,353 -- Non Operational Expenses 25,048,718,362 1,666,737,338 Income Differences on Securities Valuation-Net 23,596,961,408 -- Total 34,101,852,284 21,662,453,853 Taxable Income 188,385,396,620 164,672,512,101 Rounding 188,385,396,000 164,672,512,000 Calculation of Corporate Income Tax 10X 50,000,000 5,000,000 5,000,000 15X 50,000,000 7,500,000 7,500,000 30X 188,285,396,000; 2005: 164,572,512,000 56,485,618,800 49,371,753,600 Tax Payable 56,498,118,800 49,384,253,600 Prepaid Taxes 62,538,184,980 44,504,900,000 Income Tax Under Over Payment 6,040,066,180 4,879,353,600

c. Deferred Tax Assets

31 Des 2004 Charged 31 Des 2005 Charged 31 Des 2006 to Statement to Statement of Income of Income Rp Rp Rp Rp Rp Depreciation of Fixed Assets 434,043,082