MANAGEMENT STOCK OPTION PLAN
33. INTEREST INCOME
Interest income was derived from the following: 2008 2007 Loans 15,958,332 12,629,787 Government Bonds 7,798,646 7,418,237 Securities 1,624,862 1,759,699 Fees and commissions 839,750 695,800 Placements with Bank Indonesia and other banks 662,042 755,716 Others 452,605 669,310 27,336,237 23,928,549 Included in interest income from loans and other is syariah income for the years ended December 31, 2008 and 2007 amounting to Rp1,555,619 and Rp1,051,145, respectively, with details as follows: 2008 2007 Murabahah income 824,275 553,286 Musyarakah income 260,521 200,090 Others 470,823 297,769 1,555,619 1,051,145 34. INTEREST EXPENSE Interest expense was incurred on the following: 2008 2007 Time deposits 7,021,740 6,466,082 Savings deposits 2,578,878 2,310,034 Demand deposits 1,385,656 1,251,732 Fund borrowings 569,958 332,657 Securities issued 178,442 269,636 Subordinated loans 70,012 162,473 Others 81,751 207,580 11,886,437 11,000,194 Included in interest expense from time and savings deposits is syariah expense for the years ended December 31, 2008 and 2007 amounting to Rp793,049 and Rp307,424, respectively.35. OTHER OPERATING INCOME - OTHERS
2008 2007 Penalty 64,036 90,911 Stamp duty income 45,362 42,823 Safety deposit box 20,461 18,801 Others 310,551 248,734 440,410 401,269 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 10336. PROVISION FOR POSSIBLE LOSSES ON EARNING ASSETS
2008 2007 Provisionreversal of allowance for possible losses on: Current accounts with other banks Note 4e 71,072 2,731 Placements with other banks Note 5e 323,475 36,337 Securities Note 6g 58,416 22,773 Other receivables - trade transactions Note 8d 196,581 5,527 Securities purchased with agreements to resell Note 9b 14,387 25,000 Derivative receivables Note 10 2,501 467 Loans Note 11B.j 2,299,377 2,247,854 Acceptances receivable Note 12d 137,045 96,805 Investments in shares of stock Note 13c 339 318 2,986,361 2,113,99437. REVERSAL OF ALLOWANCE FOR POSSIBLE LOSSES - OTHERS - NET
2008 2007 Reversalprovision of allowance for: Possible losses on legal cases Note 28 31,133 106,619 Possible losses on fraud cases 12,778 107 Others assets Note 15 151,530 208,072 Others 254 1,783 170,139 313,01538. GAINSLOSSES FROM INCREASEDECREASE IN VALUE OF SECURITIES AND GOVERNMENT BONDS
2008 2007 Securities 1,450 15,129 Government Bonds 36 29,190 1,486 14,061 39. GAINSLOSSES FROM SALE OF SECURITIES AND GOVERNMENT BONDS 2008 2007 Securities 23,917 43,504 Government Bonds 30,144 184,994 54,061 228,498Parts
» Recapitalization GENERAL continued b. Merger continued
» Initial Public Offering of the Bank’s Shares
» Quasi-Reorganization GENERAL continued d. Initial Public Offering of the Bank’s Shares continued
» Divestment of Government Share Ownership Structure and Management
» GENERAL continued g. Structure and Management continued
» Principles of Consolidation GENERAL continued g. Structure and Management continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued b. Principles of Consolidation continued
» Foreign Currency Transactions and Balances
» Transactions with Related Parties
» Placements with Bank Indonesia and Other Banks
» Securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued e. Cash and Cash Equivalents
» Government Bonds SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued g. Securities continued
» Other Receivables - Trade Transactions
» Securities PurchasedSold under ResellRepurchase Agreements
» Loans SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued g. Securities continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued l.
» Acceptances Receivable and Payable
» Investments in Shares of Stock
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Deposits from Customers SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued q. Other Assets
» Securities Issued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Income Tax SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Interest Income and Interest Expense
» Fees and Commissions SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Post-Employment Benefits SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Earning Per Share SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH BANK INDONESIA continued CURRENT ACCOUNTS WITH OTHER BANKS
» CURRENT ACCOUNTS WITH OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued SECURITIES
» SECURITIES continued SECURITIES continued
» SECURITIES continued Bank Mandiri Tbk (english)
» SECURITIES continued GOVERNMENT BONDS GOVERNMENT BONDS continued
» GOVERNMENT BONDS continued Bank Mandiri Tbk (english)
» OTHER RECEIVABLES - TRADE TRANSACTIONS continued
» SECURITIES PURCHASED WITH AGREEMENTS TO RESELL
» SECURITIES PURCHASED WITH AGREEMENTS TO RESELL continued
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» LOANS Bank Mandiri Tbk (english)
» LOANS continued LOANS continued
» LOANS continued Bank Mandiri Tbk (english)
» ACCEPTANCES RECEIVABLE Bank Mandiri Tbk (english)
» ACCEPTANCES RECEIVABLE continued INVESTMENTS IN SHARES OF STOCK
» INVESTMENTS IN SHARES OF STOCK continued
» PREMISES AND EQUIPMENT Bank Mandiri Tbk (english)
» PREMISES AND EQUIPMENT continued
» OTHER ASSETS continued DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
» DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS continued DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - DEMAND AND SAVINGS DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS continued
» SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE
» ACCEPTANCES PAYABLE Bank Mandiri Tbk (english)
» ACCEPTANCES PAYABLE continued Bank Mandiri Tbk (english)
» SECURITIES ISSUED continued Bank Mandiri Tbk (english)
» Nil 2007 Bank Mandiri Tbk (english)
» FUND BORROWINGS Bank Mandiri Tbk (english)
» FUND BORROWINGS continued Bank Mandiri Tbk (english)
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES continued
» TAXATION continued e. Deferred Tax Assets
» OTHER LIABILITIES Bank Mandiri Tbk (english)
» OTHER LIABILITIES continued Bank Mandiri Tbk (english)
» SUBORDINATED LOANS continued Bank Mandiri Tbk (english)
» MINORITY INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES
» SHAREHOLDERS’ EQUITY Bank Mandiri Tbk (english)
» SHAREHOLDERS’ EQUITY continued Bank Mandiri Tbk (english)
» MANAGEMENT STOCK OPTION PLAN
» MANAGEMENT STOCK OPTION PLAN continued
» INTEREST INCOME Bank Mandiri Tbk (english)
» OTHER OPERATING INCOME - OTHERS
» PROVISION FOR POSSIBLE LOSSES ON EARNING ASSETS
» REVERSAL OF ALLOWANCE FOR POSSIBLE LOSSES - OTHERS - NET
» GAINSLOSSES FROM INCREASEDECREASE IN VALUE OF SECURITIES AND GOVERNMENT BONDS
» GENERAL AND ADMINISTRATIVE EXPENSES
» SALARIES AND EMPLOYEE BENEFITS
» SALARIES AND EMPLOYEE BENEFITS continued 2007 PENSION AND SEVERANCE
» PENSION AND SEVERANCE continued PENSION AND SEVERANCE continued
» PENSION AND SEVERANCE continued
» COMMITMENTS AND CONTINGENCIES Bank Mandiri Tbk (english)
» FOREIGN CURRENCY TRANSACTIONS continued RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued
» RELATED PARTY TRANSACTIONS continued MATURITY PROFILE
» MATURITY PROFILE continued Bank Mandiri Tbk (english)
» MATURITY PROFILE continued SEGMENT INFORMATION
» SEGMENT INFORMATION continued Bank Mandiri Tbk (english)
» CAPITAL ADEQUACY RATIO Bank Mandiri Tbk (english)
» CAPITAL ADEQUACY RATIO continued
» NET OPEN POSITION Bank Mandiri Tbk (english)
» CUSTODIAL AND TRUST OPERATIONS continued
» CHANNELING LOANS Bank Mandiri Tbk (english)
» CHANNELING LOANS continued Bank Mandiri Tbk (english)
» RISK MANAGEMENT continued Bank Mandiri Tbk (english)
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
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