were Investment loans remain current on interest payments 20.2 are less than 90 are to Corporate customers are Investment loans are US Dollar loans were previously restructured were loans purchased from IBRA are Cat. 3 22.3 are Cat. 4 Rp24,962 billion i

53 „

53.0 were still current on interest payments with a further 21.1 less

than 30 days overdue „

55.3 were Corporate borrowers

„

30.4 were loans previously restructured

„

2.5 were loans purchased from IBRA

„ Largest downgrades by sector: ¾ Textile Manufacturing ¾ Agriculture ¾ Chemical Manufacturing „

60.0 were Rupiah loans

„

56.4 were Investment loans

„ 1 st time downgrades from Textile Manufacturing Housing construction C o rp or at e M iddl e Small O rg ani c Restr IBRA Mfg-Text Mfg-Oth Agri Mfg-Chem Mfg-Wood Trading Constr-Housing Mining Constr-Oth Oth5 ID R US D In ve st . WC Export Program Cu rr e n t 30 Days 31-60 Days 61-90 Days 90+ Days 10 20 30 40 50 60 70 80 90 100 GAS Backgrnd Sector Currency Purpose Int. Aging Corporate Commercial Loans Only Downgrades to NPL in Corporate and Commercial loans totaled Rp 6,901 billion 7.1 of total loans in Q2. Of these downgraded loans: Loan Profile: Q2 Corp Comm Downgrades to NPL Rp 6,901 bn - Bank Only 54 Q2 2005 Loan Detail: Non-Performing Loans Loan Profile: Q2 Corp Comm NPLs Rp 24,962 bn Bank Only Corporate Commercial Loans Only „

51.3 remain current on interest payments 20.2 are less than 90

days overdue „

72.1 are to Corporate customers

„

54.5 are Investment loans

„ Primary sectors are: ¾ Manufacturing • Pulp Paper • Chemicals • Textiles ¾ Agriculture „

58.8 are US Dollar loans

„

42.7 were previously restructured

„

14.1 were loans purchased from IBRA

„

38.3 are Cat. 3 22.3 are Cat. 4 Rp24,962 billion in Corporate

Commercial NPLs remained in Q2, or 25.7 of total loans. Of these NPLs in Q2:

3 4

5 Re s tr Or ga ni c IB R A OS Mfg-PP Mfg-Chem Mfg-Text Mfg-Oth Agri Constr Trading Mfg-Wood Mfg-NonM Oth5 USD IDR In ve s t. WC Export Synd Other C ur rent 30 Days 31-60 Days 61-90 Days 90+ Days 10 20 30 40 50 60 70 80 90 100 Collectibility Backgrnd Sector Currency Purpose Int. Aging 55 Q2 2005 Loan Detail: New Downgrades to Category 2 Loan Profile: Q2 Corp Comm Downgrades to Cat. 2 loans Rp 6,957 bn Bank Only Corporate Commercial Loans Only „

45.8 are for Corporate 49.8 are for Middle Commercial customers

„

78.6 are current 5.2 are 1 day overdue