DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS DEPOSITS FROM CUSTOMERS - TIME DEPOSITS

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 81

19. DEPOSITS FROM OTHER BANKS - DEMAND DEPOSITS

a. By Currency: December 31, December 31, April 30, 2004 2003 2003 Rupiah 950,690 593,020 273,944 Foreign Currency 20,126 18,844 11,479 970,816 611,864 285,423 Included in demand deposits are wadiah deposits amounting to Rp4,438, Rp182 and Rp2,488 as of December 31, 2004 and 2003, and April 30, 2003, respectively. b. Average Interest Rates and Range of Bonuses Per Annum: Average interest rates per annum: December 31, December 31, April 30, 2004 2003 2003 Rupiah 3.60 3.20 3.75 Foreign Currency 0.50 1.23 1.88 Range of bonuses per annum on wadiah deposits: December 31, December 31, April 30, 2004 2003 2003 Rupiah 1.21 - 1.43 1.67 - 2.83 2.47-2.83 Foreign Currency 0.24 - 0.70 0.82 - 0.94 0.82-0.94 c. As of December 31, 2004 and 2003, and April 30, 2003, the Bank had no demand deposits from related party banks. d. As of December 31, 2004 and 2003, and April 30, 2003, demand deposits pledged by borrowers as loan collateral amounted to Rp4,983, Rp2,452 and Rp3,124, respectively.

20. DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY

a. By Currency: December 31, December 31, April 30, 2004 2003 2003 Rupiah 330,200 845,516 579,000 Foreign Currency 1,634,160 176,925 995,947 1,964,360 1,022,441 1,574,947 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 82

20. DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY continued

b. By Maturity: December 31, December 31, April 30, 2004 2003 2003 Rupiah: Less than 1 month 330,000 845,516 579,000 1 - 2 months - - - 2 - 3 months 200 - - 330,200 845,516 579,000 Foreign Currency: Less than 1 month 1,634,160 176,925 995,947 1 - 2 months - - - 2 - 3 months - - - 1,634,160 176,925 995,947 1,964,360 1,022,441 1,574,947 c. Average Interest Rates Per Annum: December 31, December 31, April 30, 2004 2003 2003 Rupiah 6.39 6.50 9.45 Foreign Currency 3.18 1.20 1.22 d. As of December 31, 2004 and 2003, and April 30, 2003, the Bank has no inter-bank call money from related party banks.

21. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS

a. By Currency: December 31, December 31, April 30, 2004 2003 2003 Rupiah 8,218,662 9,632,884 11,827,721 Foreign Currency 885,357 409,331 102,740 9,104,019 10,042,215 11,930,461 b. By Period: December 31, December 31, April 30, 2004 2003 2003 Rupiah: Less than 1 month 7,959,739 7,808,888 10,379,432 3 months 254,438 1,637,476 1,250,789 6 months 185 88,178 192,975 12 months 4,300 81,458 4,525 More than 12 months - 16,884 - 8,218,662 9,632,884 11,827,721