SUBORDINATED LOANS continued Bank Mandiri Eng 31 Des 2016 Released Password Removed

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 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 172

38. TEMPORARY SYIRKAH FUNDS continued

c. Other significant information related to the time deposits for deposits from customers and deposits from other banks continued 2 By remaining period until maturity date: December 31, December 31, 2016 2015 Rupiah: Less than 1 month 25,231,301 21,654,675 1 - 3 months 2,795,228 3,314,400 3 - 6 months 1,361,302 1,152,496 6 - 12 months 1,419,463 1,376,671 Total 30,807,294 27,498,242 Foreign currency: Less than 1 month 4,059,909 3,318,078 1 - 3 months 229,807 71,628 3 - 6 months 35,515 316,410 6 - 12 months 158,823 156,727 Total 4,484,054 3,862,843 35,291,348 31,361,085 Mudharabah time deposits represent third parties’ deposits which received a profit sharing return from the Subsidiary’s income over utilisation of its fund based on an agreed profit sharing ratio nisbah arranged in Mudharabah Muthlaqah agreement. 3 Ranging of the Annual Profit Sharing Ratio nisbah for Mudharabah Time Deposits: December 31, December 31, 2016 2015 Rupiah 4.06 - 6.15 3.97 - 6.30 Foreign currency 0.66 - 1.64 1.15 - 1.59 4 Mudharabah time deposits with Mudharabah Muthlaqah agreement that is pledged as collateral for receivables and financing amounted to Rp8,217,018 and Rp7,777,091 as of December 31, 2016 and 2015, respectively.