SUBORDINATED LOANS Laporan Tahunan 2016 PT Bank Mandiri (Persero) Tbk versi B.Inggris

PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2016 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 170

38. TEMPORARY SYIRKAH FUNDS

a. Deposits from Customers continued 2 Saving Deposits continued a. Based on type continued: December 31, December 31, 2016 2015 Third parties Saving deposits - restricted investment 1,497,199 1,057,746 Mudharabah saving deposits - unrestricted investment BSM saving deposits 19,216,285 17,541,960 Mabrur saving deposits 3,696,282 3,318,723 Investa Cendekia saving deposits 362,313 361,059 Berencana BSM saving deposits 151,207 158,014 Retirement saving deposits 206,047 89,900 Qurban saving deposits 410 429 Al-Washilyah Mandiri saving deposits - 1 25,129,743 22,527,832 25,157,790 22,755,891 The saving deposits - restricted investment represent deposit from third parties which will receive return from Subsidiary’s restricted investment based on the agreed share nisbah of the Subsidiary’s revenue. The Mudharabah saving deposits - unrestricted investment represent third parties’ deposits which will receive return from Subsidiary’s investment based on the agreed share nisbah of the Subsidiary’s revenue. b. Ranging of the annual profit sharing ratio nisbah for mudharabah saving deposits - unrestricted investment: December 31, December 31, 2016 2015 Profit sharing ratio nisbah 0.23 - 5.10 0.22 - 5.46 3 Mudharabah Time Deposit - Unrestricted Investment December 31, December 31, 2016 2015 Rupiah Related parties Note 55 880,201 195,996 Third parties 29,849,505 27,228,698 Total 30,729,706 27,424,694 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2016 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 171

38. TEMPORARY SYIRKAH FUNDS continued

a. Deposits from Customers continued 3 Mudharabah Time Deposit - Unrestricted Investment continued December 31, December 31, 2016 2015 Foreign currency Related parties Note 55 6,143 242,301 Third parties 4,477,910 3,620,542 Total 4,484,053 3,862,843 35,213,759 31,287,537 b. Deposits from Other Banks December 31, December 31, 2016 2015 Third parties Mudharabah saving deposits - unrestricted investment 258,325 244,385 Mudharabah time deposits - unrestricted investment 77,589 73,548 335,914 317,933 c. Other significant information related to the time deposits for deposits from customers and deposits from other banks 1 By contract period: December 31, December 31, 2016 2015 Rupiah: 1 month 24,575,821 20,814,126 3 months 2,436,494 3,204,667 6 months 1,326,191 1,124,115 12 months 2,468,788 2,355,334 Total 30,807,294 27,498,242 Foreign currency: 1 month 4,155,803 3,072,455 3 months 80,483 282,518 6 months 32,298 315,341 12 months 215,470 192,529 Total 4,484,054 3,862,843 35,291,348 31,361,085