Copyright The Asian Banker 2010. All rights reserved 1/6 Copyright The Asian Banker 2010. All rights reserved 1.2.0.082010

Ranking Value of Franchise

Financial Performance

Sustainability Strategy Sales Risk

Process Technology Efficiency

Penetration Efficiency

Distribution Channels

People Skills

Ethical Banking

Total Scores

2007 2008 2009 4 7 5 4 5 5 5 5 5 2 47

2 1. Bank Mandiri 0.9 3.0 2.6 2.6 0.4 1.6 2.1 2.2 2.2 2.2 19.8

1 2. BCA 0.9 3.5 2.7 1.9 0.4 1.6 1.9 2.3 2.3 2.1 19.6

4 3. Bank Danamon 0.7 1.8 2.1 2.4 0.2 1.5 2.0 1.9 1.9 1.9 16.3

3 4. BRI 0.8 2.4 1.5 1.6 0.5 1.3 1.9 1.8 1.7 1.7 15.1

5 5. Bank CIMB Niaga 0.5 1.9 1.4 2.1 0.3 1.5 1.7 1.8 1.7 1.8 14.4

7 6. Bank OCBC NISP 0.9 1.9 1.9 1.6 0.3 1.4 1.9 1.7 1.5 1.5 14.5

8 7. BNI 1.6 1.8 1.7 1.4 0.2 1.3 1.7 1.4 1.4 1.5 13.9

10 8. Bank Permata 0.8 1.8 1.4 1.6 0.2 1.5 1.9 1.5 1.4 1.7 13.8

6 9. BII 1.5 1.2 1.9 1.4 0.2 1.3 1.7 1.6 1.4 1.4 13.6

9 10. SCB 1.0 1.4 1.1 1.4 0.5 1.5 1.3 1.7 1.6 1.6 13.3

11 11. HSBC 0.6 1.2 1.1 1.4 0.5 1.5 1.4 1.6 1.5 1.5 12.3

Average Score Indonesia 0.9 2.0 1.8 1.8 0.3 1.5 1.8 1.8 1.7 1.7

Average Score Top 10 2.5 2.5 1.7 2.3 1.5 2.4 2.9 3.6 3.2 2.5

The largest banks dominate the retail financial services market in Indonesia

Excellence in Retail Financial Services Scorecard for Indonesia

Source: Asian Banker Research, N=134 Banks Biggest GAP between the Top 10 and Indonesian Banks