OTHER ASSETS 2002 12 Full Audited Financial Statements w Notes

PT BANK MANDIRI PERSERO AND SUBSIDIARIES Notes to the Consolidated Financial Statements Continued December 31, 2002 and 2001 Expressed in millions of Rupiah, unless otherwise stated - 66 -

17. DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS

a. By Currency and Related and Non-related Parties: 2002 2001 Rupiah: Related parties 19,215 23,452 Non-related parties 24,882,499 31,182,465 24,901,714 31,205,917 Foreign currency: Related parties 10,365 353 Non-related parties 7,667,844 6,351,191 7,678,209 6,351,544 32,579,923 37,557,461 b. Annual Average Interest Rates for the Year: 2002 2001 Rupiah 4.93 6.69 Foreign currency 2.45 2.75 c. Demand deposits pledged by borrowers as collateral as of December 31, 2002 and 2001 amounted to Rp617,829 and Rp506,434, respectively.

18. DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS

a. By Type and Currency: 2002 2001 Rupiah: Tabungan Mandiri 29,581,208 22,038,845 Tabungan Mudharabah 336,447 181,889 Tabungan Mapan 8,480 30,349 Tabungan Mandiri Haji 55 45,185 Others each below Rp10,000 - 8,535 29,926,190 22,304,803 b. As of December 31, 2002 and 2001, Bank Mandiri has savings deposits from related parties amounting to Rp32,823 and Rp38,172, respectively, or 0.11 and 0.17 of total savings deposits, respectively Note 57. c. Annual average interest rates of Rupiah savings deposits were 10.60 and 11.00 for 2002 and 2001, respectively. PT BANK MANDIRI PERSERO AND SUBSIDIARIES Notes to the Consolidated Financial Statements Continued December 31, 2002 and 2001 Expressed in millions of Rupiah, unless otherwise stated - 67 -

19. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS

a. By Currency: 2002 2001 Rupiah 100,757,884 106,242,554 Foreign currency 20,771,207 23,540,080 121,529,091 129,782,634 b. By Period: 2002 2001 Rupiah: 1 month 50,901,724 58,317,026 3 months 25,766,125 28,120,784 6 months 3,717,707 4,484,145 12 months 8,499,995 2,888,886 Over 12 months 11,872,333 12,431,713 100,757,884 106,242,554 Foreign currency: 1 month 17,408,087 19,094,729 3 months 1,889,850 2,302,405 6 months 945,777 1,417,980 12 months 514,429 689,033 Over 12 months 13,064 35,933 20,771,207 23,540,080 121,529,091 129,782,634 c. By Maturity: 2002 2001 Rupiah: 1 month 56,613,489 61,575,237 3 months 24,211,293 27,050,967 6 months 5,994,421 3,168,154 12 months 7,924,976 1,991,961 Over 12 months 6,013,705 12,456,235 100,757,884 106,242,554 Foreign currency: 1 month 17,230,664 18,728,913 3 months 2,655,118 3,565,629 6 months 599,724 808,908 12 months 277,750 415,335 Over 12 months 7,951 21,295 20,771,207 23,540,080 121,529,091 129,782,634