PT BANK INTERNASIONAL INDONESIA Tbk DAN ANAK PERUSAHAAN. PT BANK INTERNASIONAL INDONESIA Tbk AND SUBSIDIARIES

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31 Desember 2006

Dengan Angka Perbandingan Tahun 2005

PT BANK INTERNASIONAL INDONESIA Tbk

DAN ANAK PERUSAHAAN

December 31, 2006 With Comparative Figures for 2005

PT BANK INTERNASIONAL

INDONESIA Tbk

AND SUBSIDIARIES

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Page

Laporan Auditor Independen Independent Auditors’ Report

Neraca Konsolidasi dengan Informasi Konsolidasi - Consolidated Balance Sheets with Consolidating

Neraca Bank 1 - 5 Information - Bank Balance Sheets

Laporan Laba Rugi Konsolidasi dengan Consolidated Statements of Income with

Informasi Konsolidasi - Consolidating Information -

Laporan Laba Rugi Bank 6 - 7 Bank Statements of Income

Laporan Perubahan Ekuitas Konsolidasi dengan Consolidated Statements of Changes in Informasi Konsolidasi - Equity with Consolidating Information -

Laporan Perubahan Ekuitas Bank Statements of

Bank 8 - 9 Changes in Equity

Laporan Arus Kas Konsolidasi dengan Consolidated Statements of Cash Flows Informasi Konsolidasi - Laporan Arus Kas with Consolidating Information -

Bank 10 - 11 Bank Statements of Cash Flows

Catatan Atas Laporan Keuangan Konsolidasi Notes to the Consolidated Financial Statements dengan Informasi Konsolidasi - Bank 12 - 157 with Consolidating Information - Bank

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Catatan atas laporan keuangan konsolidasi terlampir The accompanying notes form an integral part of these

2005 (Disajikan kembali -

Catatan 48a/

Catatan/ As Restated -

Notes 2006 Note 48a ) 2006 2005

AKTIVA

Kas 2c,2e 822,572 698,904 790,516 681,195 Cash

Current Accounts with Giro pada Bank Indonesia 2c,2e,3 3,208,114 3,082,775 3,208,114 3,082,775 Bank Indonesia

Current Accounts with Giro pada Bank Lain 2c,2d,2e, 597,375 948,098 534,935 894,608 Other Banks

2n,4,39

Dikurangi: Penyisihan Less: Allowance for

penghapusan aktiva (5,350) (5,014) (5,350) (5,014) possible losses

Giro pada Bank Lain - Bersih 592,025 943,084 529,585 889,594 Net

Placements with

Penempatan pada Bank 2c,2d,2f, Bank Indonesia

Indonesia dan Bank Lain 2n,5,39 3,883,027 4,901,985 3,805,874 4,803,819 and Other Banks

penghapusan aktiva (37,659) (46,139) (37,659) (46,139) possible losses Penempatan pada

Bank Indonesia dan

Bank Lain - Bersih 3,845,368 4,855,846 3,768,215 4,757,680 Net

Efek-efek 2c,2d,2g, Marketable Securities

2n,6,39

Dimiliki hingga jatuh tempo 4,986,308 1,836,519 4,876,850 1,758,037 Held-to-Maturity Tersedia untuk dijual 1,694,475 1,841,807 1,694,475 1,838,410 Available-for-Sale

Diperdagangkan 184,181 197,550 184,181 197,550 Trading

6,864,964

3,875,876 6,755,506 3,793,997

Ditambah (dikurangi): Add (less):

Kenaikan (penurunan) Increase (decrease)

nilai wajar 30,497 (27,678) 30,497 (28,326) in fair value Diskonto yang belum

diamortisasi (33,318) (40,247) (32,320) (39,549) Unamortized discounts

Penyisihan penghapusan Allowance for possible

aktiva (21,500) (23,491) (21,500) (23,491) losses

Efek-efek - Bersih 6,840,643 3,784,460 6,732,183 3,702,631 Net

Tagihan Derivatif 2c,2d,2j, 5,891 2,980 5,891 2,962 Derivative Receivables 2n,7,39

penghapusan aktiva (61) (31) (61) (31) possible losses

Tagihan Derivatif - Bersih 5,830 2,949 5,830 2,931 Net

Kredit yang Diberikan 2c,2d,2k, Loans

2n,2v,8,

Pihak terkait 39 40,109 764,564 42,227 761,000 Related Parties

Pihak tidak terkait 21,660,132 20,026,056 21,411,305 19,663,129 Non-related Parties

21,700,241

20,790,620 21,453,532 20,424,129

Kredit yang Diberikan - Bersih 21,030,375 20,300,050 20,811,433 19,943,864 Net

Bank Consolidating Information

Bank/

Informasi Konsolidasi

Konsolidasi/

Consolidated

ASSETS

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Catatan atas laporan keuangan konsolidasi terlampir The accompanying notes form an integral part of these 2005

(Disajikan kembali - Catatan 48a/

Catatan/ As restated -

Notes 2006 Note 48a ) 2006 2005

Tagihan Pembiayaan 2m,2n, Consumer Financing

Konsumen 2v,9,48a 6,174,396 3,741,618 - - Receivables

Dikurangi: Less:

Pendapatan ditangguhkan (1,568,266) (1,133,454) - - Unearned revenue

Penyisihan penghapusan Allowance for possible

aktiva (79,985) (39,955) - - losses

Tagihan Pembiayaan

Konsumen - Bersih 4,526,145 2,568,209 - - Net

Tagihan Akseptasi 2c,2l, 452,105 327,574 445,892 312,697 Acceptances Receivable

Dikurangi: Penyisihan 2n,10 Less: Allowance for

Tagihan Akseptasi - Bersih 447,659 323,455 441,446 308,578 Net

Obligasi Pemerintah 2h,2i,11 9,642,888 11,485,577 9,642,888 11,485,577 Government Bonds

Penyertaan Saham 1b,2b,2c,2d,2n, Investments in

2o,12,39 14,383 15,218 608,971 643,438 Shares of Stock

Penyertaan Saham - Bersih 2,656 3,491 591,287 625,409 Net

Goodwill 1b,2b,13 219,905 201,470 - - Goodwill

Dikurangi: Amortisasi (65,643) (23,505) - - Less: Amortization

Goodwill - Bersih 154,262 177,965 - - Net

Aktiva Tetap 2p,14 1,200,482 1,104,867 1,110,536 1,029,422 Premises and Equipment

Dikurangi: Akumulasi Less: Accumulated

penyusutan (396,889) (273,002) (341,287) (231,399) depreciation

Nilai buku bersih 803,593 831,865 769,249 798,023 Net Book value

Aktiva Pajak Tangguhan 2x,37 103,622 162,162 98,929 157,023 Deferred Tax Assets

Beban Dibayar Di Muka dan 2c,2d,2q,2v Prepayments and

Aktiva Lain-lain - Bersih 15.39 1,076,478 1,050,230 865,078 897,535 Other Assets – Net

JUMLAH AKTIVA 45b 53,102,230 50,271,022 48,254,753 47,332,815 TOTAL ASSETS

Bank Consolidated

Konsolidasi/

Bank/

Consolidating Information

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Notes 2006 Note 48a ) 2006 2005

Kewajiban Segera 2c,16 548,665 448,839 283,176 306,421 Obligations Due Immediately

Simpanan 2c,2r,17a Deposits from Customers

Pihak terkait 2d,39 64,478 218,720 73,465 252,097 Related parties

Pihak tidak terkait 37,052,651 36,698,582 36,959,252 36,487,260 Non-related parties

37,117,129

36,917,302 37,032,717 36,739,357

Deposits from Other

Simpanan dari Bank Lain 2c,2s,17b Banks

Pihak terkait 2d,39 156,306 5,071 147,386 5,262 Related parties

Pihak tidak terkait 2,105,141 1,874,198 1,978,241 1,784,971 Non-related parties

2,261,447

1,879,269 2,125,627 1,790,233

Efek-efek yang Dijual dengan 2i,18 Securities Sold Under

Janji Beli Kembali 600,000 851,239 600,000 851,239 Agreements to Repurchase Dikurangi: Bunga dibayar dimuka - (2,314) - (2,314) Less: Unamortized Interest Efek-efek yang Dijual dengan

Janji Beli Kembali – Bersih 600,000 848,925 600,000 848,925 Net

Kewajiban Derivatif 2c,2d,2j, 10,333 2,261 1,706 2,253 Derivative Payables 7.39

Kewajiban Akseptasi 2c,2d,2l, 452,105 327,574 445,892 312,697 Acceptances Payable 10.39

Hutang Pajak 2c,2x,19 57,593 53,080 51,942 52,191 Taxes Payable

Obligasi yang Diterbitkan 2t,20 1,459,809 790,057 - - Bonds Issued Pinjaman yang Diterima 2c,2d,21,39,48a 1,654,019 477,075 548,026 477,075 Borrowings Estimated Losses on

Estimasi Kerugian Komitmen Commitments and

dan Kontinjensi 2n,22 17,889 18,573 17,889 18,573 Contingencies Kewajiban Pajak Tangguhan 2x,37 57,469 31,480 - - Deferred Tax Liabilities

Beban yang Masih Harus Dibayar 2c,2d,2v,2w Accrued Expenses

dan Kewajiban Lain-lain 23,39,42,48a 1,959,472 1,979,694 572,296 641,313 and Other Liabilities

Pinjaman Subordinasi 2c,2u,24 1,320,628 1,437,960 1,320,628 1,437,960 Subordinated Loans

JUMLAH KEWAJIBAN 45b 47,516,558 45,212,089 42,999,899 42,626,998 TOTAL LIABILITIES

HAK MINORITAS 41 330,419 350,508 - - MINORITY INTEREST Consolidated

Konsolidasi/ Consolidating Information

Bank Bank/

LIABILITIES LIABILITIES AND SHAREHOLDERS’ EQUITY KEWAJIBAN

KEWAJIBAN DAN EKUITAS

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Catatan 48a/

Notes 2006 Note 48a ) 2006 2005

Modal Saham Share Capital

Modal Dasar - Authorized Capital –

476.608.857.231 saham per 476,608,857,231 shares

31 Desember 2006 as of December 31, 2006

sebagai berikut: consisting of:

388.146.231 saham Seri A 388,146,231 Series A

dengan nilai nominal Rp900,00 shares with a par value of

(nilai penuh) per saham; Rp900.00 (full amount)

8.759.435.681 saham Seri B per share;

dengan nilai nominal Rp225,00 8,759,435,681 Series B shares

(nilai penuh) per saham; with a par value of Rp225.00 (full

131.764.319 saham Seri C amount) per share;

dengan nilai nominal Rp225,00 131,764,319 Series C

(nilai penuh) per saham; dan shares with a par value of

467.329.511.000 saham Seri D Rp225.00 (full amount)

dengan nilai nominal Rp22,50 per share; and

(nilai penuh) per saham. 467,329,511,000

Series D shares with a par value of Rp22.50 (full amount) per share.

476.608.857.231 saham per 476,608,857,231 shares

31 Desember 2005 as of December 31, 2005

sebagai berikut: consisting of:

388.146.231 saham Seri A 388,146,231 Series A

dengan nilai nominal Rp900,00 shares with a par value of

(nilai penuh) per saham; Rp900.00 (full amount)

3.728.632.366 saham Seri B per share;

dengan nilai nominal Rp225,00 3,728,632,366 Series B shares

(nilai penuh) per saham; with a par value of Rp225.00 (full

5.162.567.634 saham Seri C amount) per share;

dengan nilai nominal Rp225,00 5,162,567,634 Series C

(nilai penuh) per saham; dan shares with a par value of

467.329.511.000 saham Seri D Rp225.00 (full amount)

dengan nilai nominal Rp22,50 per share; and

(nilai penuh) per saham. 467,329,511,000

Series D shares with a par value of Rp22.50 (full amount) per share.

Modal Ditempatkan dan Disetor Penuh 25 Issued and Paid-up Capital

388.146.231 saham Seri A, 388,146,231 Series A shares,

8.759.435.681 saham Seri B, 8,759,435,681 Series B shares,

131.764.319 saham Seri C, dan 131,764,319 Series C shares, and

38.967.804.000 saham Seri D 38,967,804,000 Series D shares

per 31 Desember 2006 as of December 31, 2006

388.146.231 saham Seri A, 388,146,231 Series A shares,

3.728.632.366 saham Seri B, 3,728,632,366 Series B shares

5.162.567.634 saham Seri C, dan 5,162,567,634 Series C shares and

38.586.510.000 saham Seri D 38,586,510,000 Series D shares

per 31 Desember 2005 3,226,627 3,218,048 3,226,627 3,218,048 as of December 31, 2005

Agio Saham 26 154,312 78,070 153,913 77,671 Additional Paid-in Capital

Kenaikan (penurunan) yang Belum Unrealized Gains (Losses) on

Direalisasi atas Perubahan Nilai Increase (Decrease) in Value

Wajar Efek-efek dan Obligasi of Available-for-Sale

Pemerintah yang Tersedia Marketable Securities and

untuk Dijual - Bersih 2g,2h 24,529 (70,799) 24,529 (73,008) Government Bonds - Net

Consolidated Bank

EKUITAS SHAREHOLDERS’ EQUITY

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Catatan 48a/

Catatan/ As restated

Notes 2006 Note 48a ) 2006 2005

Differences Arising from the

Selisih Kurs Penjabaran 2b,2c,2o, Translation of Foreign Currency

Laporan Keuangan 29 102,003 119,292 102,003 119,292 Financial Statements

Opsi Saham 2ab,52 67,247 63,198 67,247 63,198 Share Options

Cadangan Umum 28 15,467 8,216 15,467 8,216 General Reserve

Retained Earnings

Saldo Laba 51 (Rp15,847,851 of

(Saldo rugi sebesar accumulated losses was

Rp15.847.851 telah dieliminasi eliminated as a result of

melalui kuasi-reorganisasi pada the quasi-reorganization

tanggal 31 Desember 2003) 1,665,068 1,292,400 1,665,068 1,292,400 as of December 31, 2003) JUMLAH EKUITAS 5,255,253 4,708,425 5,254,854 4,705,817 TOTAL SHAREHOLDERS’ EQUITY

TOTAL LIABILITIES AND JUMLAH KEWAJIBAN DAN EKUITAS 53,102,230 50,271,022 48,254,753 47,332,815 SHAREHOLDERS’ EQUITY

Konsolidasi/

Consolidated

Bank/

Consolidating Information Bank

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Notes 2006 Note 48a ) 2006 2005

PENDAPATAN DAN BEBAN OPERATING REVENUES

OPERASIONAL AND EXPENSES

Interest Revenues and

Pendapatan dan Beban Bunga Expenses

Pendapatan Bunga Interest Revenues

Bunga 2v,31,45b,48a 6,090,238 4,540,824 5,151,564 3,689,585 Interest earned

Provisi dan komisi 2w 112,456 105,631 111,062 105,524 Commissions and fees

Jumlah Pendapatan Bunga 6,202,694 4,646,455 5,262,626 3,795,109 Total Interest Revenues

Beban Bunga Interest Expense

Bunga 2v,32,48a 3,561,496 2,293,870 3,058,854 1,986,682 Interest incurred

Provisi dan komisi 2w 13,349 8,550 528 1,118 Commissions and fees

Jumlah Beban Bunga 3,574,845 2,302,420 3,059,382 1,987,800 Total Interest Expense

Pendapatan Bunga - Bersih 2,627,849 2,344,035 2,203,244 1,807,309 Interest Revenues - Net

Pendapatan (Beban) Operasional Other Operating Revenues

Lainnya (Expenses)

Pendapatan Operasional Lainnya Other Operating Revenues

Provisi dan komisi selain dari Commissions and fees

kredit yang diberikan 2w 349,237 332,338 337,399 318,733 other than from loans

Keuntungan transaksi mata Gains on foreign exchange

uang asing - bersih 2c 89,322 103,467 95,915 102,277 transactions - net

Ekuitas atas bagian (rugi) laba Equity in net (loss) income

dari Anak Perusahaan dan of Subsidiaries and

perusahaan asosiasi - bersih 2o,12 - (98) 14,276 56,163 associated companies - net

Keuntungan penjualan efek-efek dan Gains on sale of marketable securities

obligasi Pemerintah - bersih 13,037 10,207 13,037 10,207 and Government bonds - net Increase in value of

Kenaikan nilai efek-efek dan marketable securities

obligasi Pemerintah - bersih 8,741 297 8,741 581 and Government bonds - net

Lain-lain 33 559,147 494,202 366,469 372,954 Others

Jumlah Pendapatan Operasional Total Other Operating

Lainnya 1,019,484 940,413 835,837 860,915 Revenues

Beban Operasional Lainnya Other Operating Expenses

Penyisihan penghapusan Provision for possible losses on earning

aktiva produktif dan non produktif 2n,34 693,622 179,282 520,180 89,903 assets and non-earning assets

Penyisihan penghapusan aktiva Provision for estimated

estimasi kerugian komitmen losses on commitments

dan kontinjensi 2n,22 1,202 3,688 1,202 3,688 and contingencies

Umum dan administrasi 35 1,463,363 1,316,242 1,212,780 1,084,364 General and administrative

Tenaga kerja 2d,2z,36,43 768,856 888,996 674,478 786,755 Personnel

Jumlah Beban Operasional Lainnya 2,927,043 2,388,208 2,408,640 1,964,710 Total Other Operating Expenses

Beban Operasional Lainnya - Bersih (1,907,559) (1,447,795) (1,572,803) (1,103,795) Other Operating Expenses - Net Konsolidasi/

Consolidated

Informasi Konsolidasi Bank/

Consolidating Information Bank

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Catatan 48a/

Notes 2006 Note 48a ) 2006 2005

PENDAPATAN OPERASIONAL - INCOME FROM

BERSIH 45b 720,290 896,240 630,441 703,514 OPERATIONS - NET

PENDAPATAN NON NON-OPERATING

OPERASIONAL - BERSIH 23,200 20,012 24,871 20,746 REVENUES - NET LABA SEBELUM

PAJAK PENGHASILAN 743,490 916,252 655,312 724,260 INCOME BEFORE TAX

BEBAN PAJAK PENGHASILAN 2x,37 INCOME TAX EXPENSE

Kini (12,997) (45,755) (1,384) - Current

Tangguhan (46,207) (20,554) (20,218) 858 Deferred

LABA ANAK PERUSAHAAN PRE-ACQUISITION

SEBELUM AKUISISI (2,396) (30,768) - - INCOME OF A SUBSIDIARY HAK MINORITAS 41 (48,180) (94,057) - - MINORITY INTEREST

LABA - BERSIH 45b 633,710 725,118 633,710 725,118 NET INCOME

LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

(dalam Rupiah penuh) 2y,38 13 15 13 15 (in full Rupiah)

LABA PER SAHAM DILUSIAN DILUTED EARNINGS PER SHARE

(dalam Rupiah penuh) 2y,38 13 15 13 15 (in full Rupiah) Consolidated

Konsolidasi/ Consolidating Information Bank

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Catatan atas laporan keuangan konsolidasi terlampir The accompanying notes form an integral part of these Catatan/

Notes 2006 2005 2006 2005

MODAL DITEMPATKAN DAN ISSUED AND PAID-UP

DISETOR PENUH 25.51 CAPITAL

Saldo awal tahun 3,218,048 3,216,192 3,218,048 3,216,192 Balance at beginning of year

Pengeluaran saham melalui Issuance of shares

pelaksanaan hak opsi through options exercised

selama tahun berjalan 8,579 1,856 8,579 1,856 during the year

Saldo akhir tahun 3,226,627 3,218,048 3,226,627 3,218,048 Balance at end of year

ADDITIONAL PAID-IN

AGIO SAHAM 26.51 CAPITAL

Saldo awal tahun 78,070 61,745 77,671 61,346 Balance at beginning of year

Pengeluaran saham melalui Issuance of shares

selama tahun berjalan 76,242 16,325 76,242 16,325 during the year

Saldo akhir tahun 154,312 78,070 153,913 77,671 Balance at end of year

KENAIKAN (PENURUNAN) YANG BELUM

DIREALISASI ATAS UNREALIZED GAINS (LOSSES)

PERUBAHAN NILAI WAJAR ON INCREASE (DECREASE)

EFEK-EFEK DAN OBLIGASI IN VALUE OF

PEMERINTAH YANG TERSEDIA AVAILABLE-FOR-SALE

UNTUK DIJUAL- BERSIH 2g,2h, MARKETABLE SECURITIES AND

51 24,529 (70,799) 24,529 (73,008) GOVERNMENT BONDS - NET DIFFERENCES ARISING FROM THE TRANSLATION OF

SELISIH KURS PENJABARAN FOREIGN CURRENCY

LAPORAN KEUANGAN 2c,29 FINANCIAL STATEMENTS

(Decrease) increase in differences

(Penurunan) kenaikan atas selisih arising from the

kurs karena penjabaran translation of overseas

laporan keuangan Anak Subsidiary’s foreign

Perusahaan di luar negeri currency financial

dalam mata uang asing (13,205) 8,539 (13,205) 8,539 statements (Decrease) increase in differences

(Penurunan) kenaikan atas selisih kurs arising from the

karena penjabaran translation of overseas

laporan keuangan cabang branches’ foreign

luar negeri dalam mata currency financial

uang asing (4,084) 2,808 (4,084) 2,808 statements

Informasi Konsolidasi Bank/

Konsolidasi/ Consolidating Information

(11)

Catatan atas laporan keuangan konsolidasi terlampir The accompanying notes form an integral part of these Catatan/

Notes 2006 2005 2006 2005

OPSI SAHAM 2ab SHARE OPTIONS

Pengakuan opsi saham 52 37,112 63,992 37,112 63,992 Recognition of share options

Eksekusi saham melalui Execution of shares

selama tahun berjalan (33,063) (7,364) (33,063) (7,364) during the year

CADANGAN UMUM 28 GENERAL RESERVE

Saldo awal tahun 8,216 - 8,216 - Balance at beginning of year

Pembentukan cadangan umum 7,251 8,216 7,251 8,216 Allocation for general reserve

SALDO LABA RETAINED EARNINGS

Saldo awal tahun 1,292,400 821,582 1,292,400 821,582 Balance at beginning of year

Pembentukan cadangan umum 27 (7,251) (8,216) (7,251) (8,216) Allocation for general reserve

Pembagian dividen tunai 27 (253,791) (246,084) (253,791) (246,084) Distribution of cash dividend

1,031,358

567,282 1,031,358 567,282

Laba bersih tahun berjalan 633,710 725,118 633,710 725,118 Net income during the year

Saldo akhir tahun 1,665,068 1,292,400 1,665,068 1,292,400 Balance at end of year

TOTAL SHAREHOLDERS’

JUMLAH EKUITAS 5,255,253 4,708,425 5,254,854 4,705,817 EQUITY

Konsolidasi/

Consolidating Information Bank/

(12)

Catatan 48a/

00000004_01 Notes 2006 Note 48a ) 2006 2005

CASH FLOWS FROM OPERATING

ARUS KAS DARI AKTIVITAS OPERASI ACTIVITIES

Bunga yang diperoleh 6,084,287 4,316,860 5,147,886 3,536,968 Interest received

Provisi dan komisi yang diterima 461,693 437,968 448,461 424,256 Commissions and fees received

Bunga yang dibayar (3,683,920) -2,177,562 (3,175,610) -1,877,713 Interest paid

Provisi dan komisi yang dibayar (13,349) -8,550 (528) -1,118 Commissions and fees paid

Laba transaksi mata uang Gains on foreign currency

asing - bersih 312,054 54,643 307,642 54,352 transactions - net

Pendapatan operasional lainnya

yang diterima 598,728 554,933 502,138 495,049 Other operating income received

Beban operasi lainnya yang dibayar 92,986 88,660 53,849 -51,870 Other operating expenses paid

Tenaga kerja dan tunjangan yang dibayar (816,565) -843,184 (722,187) -740,943 Personnel expenses paid

Umum dan administrasi (1,404,405) -1,349,517 (1,138,446) -1,035,210 General and administrative

Penerimaan dari pendapatan

non-operasional 31,213 24,753 41,685 79,869 Non-operating income received

Pembayaran beban non-operasional (17,034) -13,498 (13,314) -9,238 Non-operating expenses paid

Arus kas dari aktivitas operasi Cash flows from operating activities

sebelum perubahan aktiva before changes in operating

dan kewajiban operasi 1,645,688 1,085,506 1,451,576 874,402 assets and liabilities

Decrease (increase) in operating

Penurunan (kenaikan) aktiva operasi: assets:

Penempatan pada Bank Indonesia Placements with Bank Indonesia

dan bank lain 1,018,958 (161,239) 997,945 (135,361) and other banks

Efek-efek dan obligasi Marketable securities and

Pemerintah (diperdagangkan) 24,746 519,326 24,746 512,754 Government bonds (trading)

Kredit yang diberikan (1,278,817) (7,589,949) (1,373,366) (7,465,599) Loans

Tagihan pembiayaan konsumen (2,077,647) (1,516,338) - - Consumer financing receivables Beban dibayar di muka dan aktiva lain-lain (15,764) (22,516) 43,367 (587,331) Prepayments and other assets Increase (decrease) in operating

Kenaikan (penurunan) kewajiban operasi: liabilities:

Kewajiban segera 99,826 71,496 (23,245) (14,595) Obligations due immediately

Simpanan dan simpanan dari Deposits from customers and

bank lain 582,005 8,912,666 628,754 8,807,971 other banks

Kewajiban lain-lain (56,583) 1,135,033 (144,179) 59,665 Other liabilities

Kas Bersih (Digunakan untuk) Diperoleh Net Cash (Used in) Provided by

dari Aktivitas Operasi (57,588) 2,433,985 1,605,598 2,051,906 Operating Activities

CASH FLOWS FROM INVESTING

ARUS KAS DARI AKTIVITAS INVESTASI ACTIVITIES

Pembelian efek-efek Purchase of marketable

dan obligasi Pemerintah securities and Government

tersedia untuk dijual dan bonds available-for-sale

dimiliki hingga jatuh tempo (1,135,516) (2,115,441) (1,082,817) (2,067,792) and held-to-maturity

Akuisisi Anak Perusahaan (42,075) (377,545) (42,075) - Acquisition in shares of Subsidiary

Proceeds from sale of premises Penerimaan dari penjualan aktiva tetap 17,682 72,470 17,530 71,414 and equipment

Acquisition of premises and

Pembelian aktiva tetap 14 (123,724) (148,560) (107,849) (132,123) equipment

Penerimaan dividen tunai 12 35,475 - 35,475 - Cash dividends received

Kas Bersih Digunakan Net Cash Used in

untuk Aktivitas Investasi (1,248,158) (2,569,076) (1,179,736) (2,128,501) Investing Activities

Konsolidasi/

Bank/

Consolidating Information

(13)

Catatan 48a/

00000004_02 Notes 2006 Note 48a ) 2006 2005

ARUS KAS DARI AKTIVITAS CASH FLOWS FROM FINANCING

PENDANAAN ACTIVITIES

Penerimaan pinjaman yang diterima 1,105,993 848,925 - 848,925 Proceeds from borrowings

Pembelian kembali efek yang dijual Repurchase of securities sold under

dengan janji dibeli kembali (248,925) - (248,925) - agreements to repurchase Pembayaran pinjaman yang diterima (89,586) (461,789) (89,586) (63,825) Payments of borrowings

Penambahan dari modal saham 84,821 - 84,821 - Proceeds from issued and paid-up capital

Pembagian dividen tunai 27 (253,791) (246,084) (253,791) (246,084) Distribution of cash dividends Kenaikan surat berharga yang diterbitkan 669,752 493,975 - - Increase in bonds issued Kenaikan pinjaman subordinasi 24 - 1,437,960 - 1,437,960 Increase in subordinated loans Penurunan hak minoritas (20,089) - - - Decrease in minority interest Eksekusi hak opsi saham 51,758 10,817 51,758 10,817 Exercise of stock options

Kas Bersih Diperoleh dari (Digunakan Net Cash Provided by (Used in)

untuk) Aktivitas Pendanaan 1,299,933 2,083,804 (455,723) 1,987,793 Financing Activities

(PENURUNAN) KENAIKAN BERSIH KAS NET (DECREASE) INCREASE IN CASH

DAN SETARA KAS (5,813) 1,948,713 (29,861) 1,911,198 AND CASH EQUIVALENTS CASH AND CASH EQUIVALENTS KAS DAN SETARA KAS AWAL TAHUN 4,729,777 2,741,471 4,658,578 2,709,640 AT BEGINNING OF YEAR

Pengaruh perubahan kurs mata Effect of foreign exchange rate

uang asing (95,903) 39,593 (95,152) 37,740 changes

CASH AND CASH EQUIVALENTS KAS DAN SETARA KAS AKHIR TAHUN 4,628,061 4,729,777 4,533,565 4,658,578 AT END OF YEAR

PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL DISCLOSURES

Cash and Cash Equivalents

Kas dan Setara Kas terdiri dari: consist of:

Kas 822,572 698,904 790,516 681,195 Cash

Current accounts with Giro pada Bank Indonesia 3 3,208,114 3,082,775 3,208,114 3,082,775 Bank Indonesia

Current accounts with Giro pada bank lain 4 597,375 948,098 534,935 894,608 other banks Jumlah Kas dan Setara Kas 4,628,061 4,729,777 4,533,565 4,658,578 Total Cash and Cash Equivalents

AKTIVITAS YANG TIDAK

MEMPENGARUHI ARUS KAS: NON-CASH TRANSACTIONS:

Differences arising from the translation of foreign currency Selisih kurs penjabaran laporan keuangan 29 102,003 119,292 102,003 119,292 financial statements

Consolidating Information Bank Informasi Konsolidasi

Bank/

Consolidated Konsolidasi/