Exchange Rate Related 2003 Description

Contract Value with Hedging Others Receivable Payable Netting Agreement

A. Exchange Rate Related

1 Spot - 38,278 - - - 2 Forward - 463,570 9,416 9,776 - 3 Option a. Purchased - - 279 127 - b. Written - - 229 210 - 4 Future - - - - - 5 Swap - 2,238,990 253,149 32,627 - 6 Others - - - - - B Interest Rate Related 1 Forward - - - - - 2 Option a. Purchased - - - - - b. Written - - - - - 3 Future - - - - - 4 Swap 24,215 25,051 25,051 24,215 - 5 Others - - - - - C Others - - - - - TOTAL 288,124 66,955 Bank in million of Rupiah Contract Market Value Derivative Receivable and Payable No. Transaction

I. Capital

1. CAR 25.28 27.72 2. Premises and Equipment to Capital 19.21 20.61

II. Earning Assets

1. Non-Performing Earning Assets 3.65 3.54 2. NPL: - Gross NPL 7.43 8.84 - Net NPL 1.62 1.75 3. Allowance for Possible Losses on Earning Assets 4.87 4.93 4. Compliance for Allowance for Possible Losses on Earning Assets 132.84 141.08

III. Rentability

1. ROA 3.19 2.78 2. ROE 26.42 27.53 3. NIM 4.38 3.42 4. Operating Expenses to Operating Income 66.60 76.36

IV. Liquidity

LDR 51.84 41.54

V. Compliance

1. a. Percentage Violation of Legal Lending Limit a.1. Related Parties - - a.2. Third Parties - - b. Percentage of Lending in Excess of the Legal Lending Limit a.1. Related Parties - - a.2. Third Parties - - 2 Reserve Requirement Rupiah 9.08 6.65 3 Net Open Position 3.32 2.86 4 Net Open Position on Balance Sheet 2.01 - Premises and equipment are computed after deducted by accumulated depreciation. Operating expenses include interest expenses, provision for possible losses on earning assets, provision for possible losses on other assets divided by operating income which includes interest income. Net Open Position calculation includes balance sheet and off-balance sheet accounts. Net Open Position is calculated with balance sheet accounts only since 2004 in accordance with Bank Indonesia Regulation No. 620PBI2004 dated July 15, 2004 regarding The Amendment Bank Indonesia Regulation No. 513PBI2003 Concerning Net Open Position For Commercial Banks. Bank KEY RATIOS NO December 31, 2004 December 31, 2003

I. COMPONENTS A. Core Capital

20,214,560 17,859,230

1. Paid-Up Capital 10,066,427