5
-1.7 5.6
QoQ Growth YoY Growth
4 4
.6 4
1 .2
4 2
.3 4
3 .0
4 4
.5 4
9 .2
4 2
.5 4
8 .3
4 8
.3 5
.4 5
8 .7
6 5
.4 6
8 .7
6 6
.8 7
2 .6
7 5
.9 7
6 .7
8 2
.3 8
7 .0
9 4
.4 9
9 .5
1 6
.7 1
6 .9
1 5
.1 1
4 .0
27.5 36.1
53.1 51.8
26.3 25.3
28.3 26.5
35.4 56.8
53.7 42.5
47.9
Q 1
Q 3
Q 1
1 Q
3
1 Q
1
2 Q
3
2 Q
1
3 Q
3
3 Q
1
4 Q
3
4 Q
1
5 Q
3
5 Q
1
6 Loans Rp tn
LD R
22.9 22.6 25.6
31.4 33.0 33.3
37.7 33.935.1
35.7
1.4 1.6 3.1 3.7
5.1 6.5
8.5 9.5 10.8
11.511.5 45.1
42.3 38.9
40.6 42.7
41.8 38.2
39.5 41.5
42.944.0 44.7
43.1 40.2
35.3 30.1
36.1
22.2 4.2
11.3 1.5
Q 4
2 Q
1
3 Q
2
3 Q
3
3 Q
4
3 Q
1
4 Q
2
4 Q
3
4 Q
4
4 Q
1
5 Q
2
5 Q
3
5 Q
4
5 Q
1
6
Loan volume was flat or declining across all segments Q -o-Q
Q uarterly Loan Data – Consolidated
1.9 85.9
1.82 Micro
6.5 14.5
6.40 Small
11.7 20.3
11.45 Consumer
100.0 5.6
98.07 T otal
36.0 4.3
35.32 Commercial
43.9 0.4
43.07 Corporate
of Portfolio
Loans Rp tn
By Segment Bank only
Y-O -Y Growth
Q uarterly Loan Segment Details – Bank O nly
Corporate
Commercial
Consumer
As of M arch 2 0 0 6 ; N on-consolidated numbers N ote: Includes IBRA loan purchases of Rp 5 tr
Small Micro
6 18.0
10.1 3.8
39.2 24.0
32.1 of Pre-Prov. O perating Profit
287 264
16 601
348 68
O perating Profit Incl. Provision
33.7 166
20 18
165 165
23,844
CRG
2.0 63
71 21
113 23
89 1,328
7,670
Small M icro
7,315 111,154
23,204 58,770
D eposits Borrowings Avg. Bal. 106,813
11,466 23,945
24,963 Earning Assets Avg. Bal.
139 187
207 128
Interest Margin on Assets
487 272
22 48
O ther O perating Income 171
982 461
546 Total Interest Margin
33 795
254 419
Interest Margin on Liabilities
22 611
90 68
O ther O perating Expenses
36.7 76.8
44.4 8.7
of O perating Profit Incl. Prov. 294
643 392
526 Pre-Provision O perating Profit
Cons. Corp.
Business Unit Performance Rp bn Treasury
Comm.
Excludes O verseas Includes Government Bonds
Includes Allocated Cost Balance of pre-provision operating profit attributable to funds transfer pricing on capital not allocated to BU
Business Unit Performance, Q 1 2006 Reviewed
7
283 411 655
199 328
540 1
,8 2
1 ,8
6 1
,9 2
1 ,9
1 2
1 ,9
1 8
1 ,9
3 2
1 ,9
3 8
1 ,9
3 1
,9 6
823 815
786 934
428 494
594 479
510 816
727 653
688 888 792
3 ,2
5 3
,0 5
2 ,8
8 5
2 ,5
9 1
1 ,9
9 6
1 ,0
1 1
1 ,5
2 2
152 4
,0 3
3 4
,1 3
1 4
,2 1
7 4
,2 2
3 3
,5 6
7 2
,8 5
2 1
,0 5
8 1
,9 3
9 1
,9 2
1
1 ,4
9 3
1 ,2
7 9
1 ,3
6 7
1 ,3
5 4
1 ,2
5 7
1 ,2
6 1
,2 7
1 ,1
3 6
2,000 4,000
6,000 8,000
10,000 12,000
Q 3
3 Q
4 3
Q 1
4 Q
2 4
Q 3
4 Q
4 4
Q 1
5 Q
2 5
Q 3
5 Q
4 5
Q 1
6
O ther Cash Collateral Loans
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Consumer lending contracted 0.8 despite Mortgage growth
10.81 9.03
