Authorised, Issued and Fully Paid Capital continued
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
31 DECEMBER 2013 AND 2012
Expressed in millions of Rupiah, unless otherwise stated
Appendix 5130 41. INTEREST INCOME AND SHARIA INCOME continued
2013 2012
Sharia income Murabahah and Istishna income - net
3,779,632 3,081,755
Mudharabah income 543,973
629,465 Musyarakah income
704,007 602,855
Ijarah income - net 42,677
33,111 Total
5,070,289 4,347,186
Total Interest Income and Sharia Income 50,208,842
42,550,442
Included in interest income from loans is interest income recognised on the non-impaired portion of the impaired loans time value unwinding for the year ended 31 December 2013 and 2012 amounting
to Rp428,314 and Rp470,836 and fees and commissions income directly attributable to lending activities amortised using effective interest rate method for the year ended 31 December 2013 and
2012 amounting to Rp1,142,351 and Rp1,021,887. As at 31 December 2013 and 2012, included in the interest income is interest income from financial
assets at fair value through profit or loss amounting to Rp187,609 and Rp152,464, respectively. As at 31 December 2013 and 2012 included in interest income and sharia income is income from
transaction with related parties on Government Bonds and Treasury Bill amounting to Rp3,511,576 and Rp3,114,634 refer to Note 55.
42. INTEREST EXPENSE AND SHARIA EXPENSE Interest expense and sharia expense are incurred on the following:
2013 2012
Time deposits 10,218,571
8,814,381 Saving deposits
3,218,371 2,860,075
Demand deposits 1,398,900
1,259,805 Insurance premiums on third party funds guarantee
program Note 63 1,032,792
890,977 Fund borrowings
643,431 484,377
Subordinated loans 428,942
421,366 Marketable securities issued
218,599 107,535
Others 272,610
181,334 17,432,216
15,019,850
Included in interest expense of time deposits and saving deposits is expense based on sharia principle for the years ended 31 December 2013 and 2012 amounting to Rp2,183,205 and
Rp1,913,566, respectively. Included in interest expense and sharia expense above are interest expense from related parties
transactions from fund borrowings for the years ended 31 December 2013 and 2012 amounting to Rp77,562 and Rp82,522, respectively refer to Note 55.
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
31 DECEMBER 2013 AND 2012
Expressed in millions of Rupiah, unless otherwise stated
Appendix 5131 43. OTHER OPERATING INCOME - OTHERS
2013 2012
Recovery of written-off loans in the previous period related to implementation of SFAS 55
2,667,367 2,284,796
Income from loan written-off 335,189
265,303 Income from penalty
129,525 112,844
Stamp duty income 52,369
52,250 Safety deposit box
35,243 29,831
Others 909,750
657,967 4,129,443
3,402,991