FIXED ASSETS continued Others

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 126

20. OTHER ASSETS continued

Accrued income consist of interest accrued from the placement, marketable securities, government bonds, loans, fees and commissions. Receivables from customer transactions mainly consist of receivables arising from securities transactions of its Subsidiary. As of December 31, 2016 and 2015, included in receivables from customer transactions is an impaired portfolio amounting to Rp163,200 and Rp214,365, respectively. Receivables from mutual fund is related to receivable from securities portfolio transactions of unit-link contracts in Subsidiary’s mutual fund. Receivables related to ATM and credit card transactions consist of receivable arising from ATM transactions within ATM Bersama, Prima and Link network as well as receivables from Visa and Master Card as a result of credit card transactions. Receivables from government bonds pledged as collateral represent receivables in relation to “repo to maturity” transaction with a counterparty, where the Bank has transferred VR0031 with nominal value of Rp600,000 and recognised a receivable equivalent to the cash value of VR0031 refer to Note 36e. This receivable will be settled by net basis with the settlement of the corresponding liabilities of the counterparty amounting to Rp600,000 which is due on July 25, 2020. Receivables from policyholders represent the Subsidiary’s receivables from policyholders related to policyholders’ premium of non unit-link products. Receivables from sales of marketable securities are receivables from sale of marketable securities which have settlement date on January 5, 2017 and January 6, 2016, for the year ended December 31, 2016 and 2015, respectively. Others mainly consist of inter-office accounts, various form of receivables from transaction with third parties, including clearing transactions and others. Movement of allowance for possible losses on other assets are as follows: December 31, December 31, 2016 2015 Beginning balace 432,029 251,505 Allowance during the year Note 45 101,957 157,382 Others 19,540 23,142 Ending balance 514,446 432,029 Including effect of foreign currency translation. Management believes that the allowance for possible losses is adequate.

21. DEPOSITS FROM CUSTOMERS - DEMANDWADIAH DEMAND DEPOSITS

a. By currency, related parties and third parties: December 31, December 31, 2016 2015 Rupiah: Related parties Note 55 33,783,341 22,839,976 Third parties 90,580,286 78,390,328 Total 124,363,627 101,230,304 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 127

21. DEPOSITS FROM CUSTOMERS - DEMANDWADIAH DEMAND DEPOSITS continued

a. By currency, related parties and third parties continued: December 31, December 31, 2016 2015 Foreign currencies: Related parties Note 55 14,946,585 15,412,209 Third parties 47,673,116 55,511,975 Total Note 61B.v 62,619,701 70,924,184 186,983,328 172,154,488 Included in demand deposits were wadiah deposits amounting to Rp6,860,850 and Rp5,818,708 as of December 31, 2016 and 2015, respectively. b. Average interest rates cost of funds and range of profit sharing per annum: Average interest rates cost of funds per annum: Year ended December 31, 2016 2015 Rupiah 1.95 2.07 Foreign currencies 0.58 0.29 Range of profit sharing per annum on wadiah deposits: Rupiah 0.72 – 0.82 0.71- 0.84 Foreign currencies 0.18 – 0.82 0.18 - 0.84 c. As of December 31, 2016 and 2015, demand deposits pledged as collateral for bank guarantees, loans and trade finance facilities irrevocable Letters of Credits were amounting to Rp5,167,638 and Rp5,323,777, respectively Note 12B.c and 31e.

22. DEPOSITS FROM CUSTOMERS - SAVINGWADIAH SAVING DEPOSITS

a. By currency, type, related parties and third parties: December 31, December 31, 2016 2015 Rupiah: Related parties Note 55 Mandiri Saving Deposits 1,493,871 1,111,778 Third parties Mandiri Saving Deposits 244,828,147 219,154,260 Hajj Mandiri Saving Deposits 543,828 666,507 Total 246,865,846 220,932,545