PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
31 DECEMBER 2009, 2008 AND 2007
Expressed in millions of Rupiah, unless otherwise stated
Appendix 572 17. DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
a. By Currency, Related Parties and Third Parties:
2009 2008
2007
Rupiah: Related parties Note 48a
205,442 110,273
122,420 Third parties
53,677,015 53,155,575
51,926,055 Total Rupiah
53,882,457 53,265,848
52,048,475 Foreign currencies:
Related parties Note 48a 48,997
5,584 8,102
Third parties 18,765,393
15,815,256 10,249,631
Total foreign currencies 18,814,390
15,820,840 10,257,733
72,696,847 69,086,688
62,306,208
Included in demand deposits were wadiah deposits amounting to Rp2,685,509, Rp1,454,837 and Rp1,631,330 as at 31 December 2009, 2008 and 2007, respectively.
b. Average Interest Rates Cost of Funds and Range of Profit Sharing per Annum:
Average interest rates cost of funds per annum:
2009 2008
2007
Rupiah 3.61
2.85 2.65
Foreign currencies 0.87
1.35 1.89
Range of profit sharing per annum on wadiah deposits:
2009 2008
2007
Rupiah 0.93 - 1.09
0.94 - 1.04 0.91 - 1.07
Foreign currencies 0.23 - 0.99
0.24 - 1.05 0.23 - 2.64
c. As at 31 December 2009, 2008 and 2007, demand deposits pledged as collateral for bank
guarantees, loans and trade finance facilities were amounting to Rp1,053,844, Rp813,755 and Rp575,005, respectively.
d. As at 31 December 2009, 2008 and 2007, total demand deposits from related parties were
amounting to Rp254,439, Rp115,857 and Rp130,522, respectively or 0.35, 0.17 and 0.21, from total demand deposits Note 48a.
18. DEPOSITS FROM CUSTOMERS - SAVING DEPOSITS
a. By Type and Currency:
2009 2008
2007
Rupiah: Mandiri Savings
96,790,186 81,813,970
81,074,229 Mudharabah Savings
7,1 66,717 5,175,318
3,860,425 Mandiri Haji Savings
178,435 580,367
424,160 104,135,338
87,569,655 85,358,814
Foreign currencies: Mandiri Savings
9,659,673 7,384,357
4,704,743 113,795,011
94,954,012 90,063,557
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
31 DECEMBER 2009, 2008 AND 2007
Expressed in millions of Rupiah, unless otherwise stated
Appendix 573 18. DEPOSITS FROM CUSTOMERS - SAVING DEPOSITS continued
b. As at 31 December 2009, 2008 and 2007, saving deposits from related parties were amounted to
Rp96,573, Rp43,339 and Rp42,844, respectively, or 0.08, 0.05 and 0.05 from total saving deposits Note 48a.
c. Average Interest Rates Cost of Funds and Profit Sharing per Annum:
Average interest rates cost of funds per annum:
2009 2008
2007
Rupiah 2.78
3.12 3.68
Foreign currencies 1.69
2.26 3.08
Range of profit sharing per annum on mudharabah savings:
2009 2008
2007
Rupiah 0.29 - 7.08
0.29 - 6.83 0.29 - 6.98
19. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
a. By Currency:
2009 2008
2007
Rupiah 117,658,029
103,233,269 78,535,764
Foreign currencies 15,400,494
21,838,083 16,449,494
133,058,523 125,071,352
94,985,258
b. By Contract Period:
2009 2008
2007
Rupiah: 1 month
80,091,901 77,620,722
64,145,362 3 months
20,982,619 13,114,836
9,060,496 6 months
9,506,384 8,183,506
2,492,026 12 months
6,762,659 4,160,570
1,797,559 Over 12 months
314,466 153,635
1,040,321 Total Rupiah
117,658,029 103,233,269
78,535,764 Foreign currencies:
1 month 12,955,322
16,803,485 13,686,388
3 months 1,148,967
3,288,342 1,270,383
6 months 1,031,910
1,133,297 875,805
12 months 261,607
609,872 553,542
Over 12 months 2,688
3,087 63,376
Total foreign currencies 15,400,494
21,838,083 16,449,494
133,058,523 125,071,352
94,985,258
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
31 DECEMBER 2009, 2008 AND 2007
Expressed in millions of Rupiah, unless otherwise stated
Appendix 574 19. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
c. By Maturity:
2009 2008
2007
Rupiah: Less than 1 month
86,982,523 81,691,067
64,145,362 1 - 3 months
20,885,172 14,266,681
9,060,496 3 - 6 months
5,951,479 2,953,132
2,492,026 6 - 12 months
3,578,552 4,253,649
1,797,559 Over 12 months
260,303 68,740
1,040,321 Total Rupiah
117,658,029 103,233,269
78,535,764 Foreign currencies:
Less than 1 month 13,357,392
17,658,707 13,686,387
1 - 3 months 1,589,204
2,717,373 1,273,960
3 - 6 months 349,443
1,139,914 870,950
6 - 12 months 102,729
320,635 554,821
Over 12 months 1,726
1,454 63,376
Total foreign currencies 15,400,494
21,838,083 16,449,494
133,058,523 125,071,352
94,985,258
d. Included in time deposits were unrestricted mudharabah investments amounting to Rp9,583,762, Rp7,718,558 and Rp5,171,943 as at 31 December 2009, 2008 and 2007, respectively.
e. Average Interest Rates Cost of Funds and Range of Profit Sharing per Annum: Average interest rates cost of funds per annum:
2009 2008
2007
Rupiah 8.36
7.56 7.39
Foreign currencies 3.06
3.29 3.71
Range of profit sharing per annum on unrestricted mudharabah investments:
2009 2008
2007
Rupiah 6.08 - 8.85
6.09 - 8.54 6.60 - 8.05
Foreign currencies 1.91 - 3.00
2.36 - 3.28 2.85 - 3.35
f. As at 31 December 2009, 2008 and 2007, time deposits from related parties were amounting to
Rp470,237, Rp313,909 and Rp181,309, respectively, or 0.35, 0.25 and 0.19 of the total time deposits, respectively Note 48a.
g. As at 31 December 2009, 2008 and 2007, total time deposits which were pledged as collateral for
bank guarantees, loans and trade finance facilities were amounting to Rp7,395,445, Rp6,632,688 and Rp8,330,382, respectively. As at 31 December 2009, 2008 and 2007, the Mudharabah time
deposit pledged on Mudharabah receivables extended by Bank Syariah Mandiri BSM, a subsidiary were amounting to RpNil, Rp289,996 and RpNil, respectively.
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
31 DECEMBER 2009, 2008 AND 2007
Expressed in millions of Rupiah, unless otherwise stated
Appendix 575 20. DEPOSITS FROM OTHER BANKS - DEMAND AND SAVING DEPOSITS
a. By Currency:
2009 2008
2007
Demand Deposits Rupiah
476,584 528,490
1,307,562 Foreign currencies
5,096,728 2,388,645
80,538 Total Demand Deposits
5,5 73,312 2,917,135
1,388,100 Saving Deposits
Rupiah 269,257
227,608 248,965
Total Demand and Saving Deposits 5,842,569
3,144,743 1,637,065
Deposits from other banks - demand and saving deposits as at 31 December 2009 and 2008 amounting to Rp5,842,569 and Rp3,144,743 already accounts for the set-off of demand deposit of a
financial institution in liquidation placed in Bank Mandiri amounting to Rp184 and Rp214 as at 31 December 2009 and 2008, respectively. The demand deposit balance was net-off with Bank
Mandiri’s placement balance in that financial institution in liquidation which classified as loss amounting to Rp209,153 and Rp242,708 as at 31 December 2009 and 2008, respectively
Note 5e.
Included in deposits from other banks - demand deposits are wadiah deposits and SIMA amounting to Rp55,664, Rp11,696 and Rp2,512 as at 31 December 2009, 2008 and 2007, respectively.
b. Average Interest Rates Cost of Funds and Profit Sharing per Annum:
Average interest rates cost of funds per annum:
2009 2008
2007
Demand Deposits Rupiah
3.61 2.85
2.65 Foreign currencies
0.87 1.35
1.89 Savings Deposits
Rupiah 2.78
3.12 3.68
Range of profit sharing per annum on wadiah demand deposits:
2009 2008
2007
Rupiah 0.93 - 1.09
0.94 - 1.04 0.19 - 1.07
Foreign currencies 0.23 - 0.99
0.24 - 1.05 0.23 - 2.64
c. As at 31 December 2009, 2008 and 2007, deposits from other banks - demand and saving deposits
from related parties were amounted to RpNil, Rp1,075 and RpNil, respectively, or Nil, 0.03 and Nil of the total deposits from other banks - demand and saving deposits, respectively Note 48a.
d. As at 31 December 2009, 2008 and 2007, total demand and saving deposits pledged as collateral
for bank guarantees, loan and trade finance facilities amounted to Rp22,749, Rp33,634 and Rp224,286, respectively.
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
31 DECEMBER 2009, 2008 AND 2007
Expressed in millions of Rupiah, unless otherwise stated
Appendix 576 21. DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY
a. By Currency:
2009 2008
2007
Foreign currencies -
7,588 827,617
Deposits from other banks - inter-bank call money as at 31 December 2009 and 2008 amounting to RpNil and Rp7,588 is presented after set-off of with inter-bank call money of a financial institution in
liquidation placed in Bank Mandiri amounting to Rp13,866 and Rp16,217 as at 31 December 2009 and 2008, respectively. The inter-bank call money was net-off with Bank Mandiri’s placement
balance in that financial institution in liquidation which classified as loss amounting to Rp209,153 and Rp242,708 as at 31 December 2009 and 2008, respectively Note 5e.
b. By Remaining Period Until Maturity Date:
2009 2008
2007
Foreign currencies: Less than 1 month
- 7,588
827,617
c. Average Interest Rates Cost of Funds per Annum:
2009 2008
2007
Foreign currencies -
3.29 5.42
d. As at 31 December 2009, 2008 and 2007, there were no inter-bank call money transaction with related party.
22. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS
