LOANS continued 2004 06 Full Audited Financial Statements w Notes

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS June 30, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 56

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A. Details of loans: continued c By Economic Sector: June 30, 2004 June 30, 2003 April 30, 2003 Rupiah: Manufacturing 18,368,084 15,873,537 17,219,209 Trading, restaurant and hotel 8,143,500 6,013,412 5,555,738 Agriculture 5,854,036 6,887,946 6,532,301 Other services 4,289,322 3,202,167 3,138,142 Construction 3,475,946 1,934,150 2,070,797 Transportation, warehousing and communications 3,200,621 3,847,732 3,832,218 Social services 1,322,041 602,093 589,495 Mining 441,841 277,582 236,937 Electricity, gas and water 250,164 120,426 142,234 Others 6,072,635 2,572,880 2,425,449 51,418,190 41,331,925 41,742,520 Foreign Currency: Manufacturing 16,976,118 14,285,625 15,884,818 Trading, restaurant and hotel 2,827,661 2,158,990 2,302,930 Agriculture 1,356,885 1,395,381 1,451,432 Other services 1,500,773 1,672,551 1,920,712 Construction 2,050,701 1,492,293 1,591,817 Transportation, warehousing and communications 931,798 825,825 613,703 Social services 70 - 24,221 Mining 2,773,096 1,633,548 1,711,414 Electricity, gas and water 1,467,895 1,249,551 1,303,578 Others 946,459 741,064 856,768 30,831,456 25,454,828 27,661,393 Total 82,249,646 66,786,753 69,403,913 Less: Allowance for possible losses 8,662,010 8,513,360 9,879,080 Deferred income 146,621 199,553 203,946 73,441,015 58,073,840 59,320,887 d By Period: June 30, 2004 June 30, 2003 April 30, 2003 Rupiah: Less than 1 year 3,963,163 5,794,421 6,882,910 1 - 2 years 7,300,133 3,434,589 2,908,587 2 - 5 years 17,835,834 13,542,498 12,352,723 More than 5 years 22,319,060 18,560,417 19,598,300 51,418,190 41,331,925 41,742,520 Foreign Currency: Less than 1 year 1,423,589 2,092,540 2,663,076 1 - 2 years 1,838,369 1,443,831 1,738,329 2 - 5 years 8,684,763 7,472,420 8,050,143 More than 5 years 18,884,735 14,446,037 15,209,845 30,831,456 25,454,828 27,661,393 Total 82,249,646 66,786,753 69,403,913 Less: Allowance for possible losses 8,662,010 8,513,360 9,879,080 Deferred income 146,621 199,553 203,946 73,441,015 58,073,840 59,320,887 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS June 30, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 57

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