PT. BANK ARTHA GRAHA INTERNASIONAL, Tbk.

CONSOLIDATED FINANCIAL STATEMENT

KEY FINANCIAL RATIOS
PT BANK ARTHA GRAHA INTERNASIONAL TBK AND SUBSIDIARY
AS AT 31 DECEMBER 2009 AND 2008

BANK
NO RATIO (%)
2009 2008

I. CAPITAL
1. Capital Adequacy Ratio (CAR) With Credit Risk Charge 13.87% 14.93%
2. Capital Adequacy Ratio (CAR) With Credit and Market Risk Charge 13.77% 14.90%
3. Fixed Assets to Capital 15.66% 16.43%

II. QUALITY OF ASSETS

1. Non Performing Earning Assets to Total Earning Assets 2.71% 2.90%
2. Allowance for Possible Losses on Earning Assets to Earning Assets 1.70% 1.67%
3. Fulfillment Allowance for Possible Losses on Earning Assets 107.39% 104.35%
4. Fulfillment Allowance for Possible Losses on Non Earning Assets 100.00% 100.00%
5. NPL Gross 3.47% 3.49%
6. NPL Net 2.83% 2.70%

III. RENTABILITY
1. ROA 0.44% 0.34%
2. ROE 4.60% 4.13%
3. NIM 3.81% 3.74%
4. Operating Expenses to Operating Revenues 96.24% 97.54%

IV. LIQUIDITY
1. Loan to Deposit Ratio (LDR) 84.04% 93.47%

V. COMPLIANCE
1. a. Percentage Violation on Legal Lending Limit
a.1. Related Parties 0.00% 0.00%
a.2. Non Related Parties 0.00% 0.00%
b. Percentage Lending In Excess on Legal Lending Limit
b.1. Related Parties 0.00% 0.00%
b.2. Non Related Parties 0.00% 0.00%
2. Statutory Reserve Requirements - Rupiah 5.06% 7.30%
3. Net Open Position (NOP) 4.10% 1.96%