Liquidity Risk Management RISK MANAGEMENT

PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS AS AT 31 DECEMBER 2010, 2009 AND 2008 Expressed in millions of Rupiah, unless otherwise stated Appendix 5160 56. RISK MANAGEMENT continued Market Risk and Liquidity Risk continued

a. Liquidity Risk Management continued

The maturity profile of the Bank’s assets and liabilities is as follows continued: 31 December 2009 No maturity Less than More than Description Total Contract 1 month 1 - 3 months 3 - 6 months 6 - 12 months 12 months Assets Cash 8,867,881 - 8,867,881 - - - - Current accounts with Bank Indonesia 16,055,871 - 16,055,871 - - - - Current accounts with other banks - net 7,402,647 - 7,402,647 - - - - Placements with Bank Indonesia and other banks - net 41,402,410 981 38,531,010 2,862,004 - 8,415 - Marketable securities - net 18,153,392 187,462 2,487,330 11,890,854 934,787 950,405 1,702,554 Government Bonds 89,132,940 - - 1,733,994 - 3,409 87,395,537 Other receivables-trade transactions - net 3,146,143 - 759,913 1,445,943 754,266 186,021 - Securities purchased under resale agreements - net 4,905,541 - 3,417,151 1,488,390 - - - Derivative receivables - net 174,526 - 38,032 38,313 89,452 8,729 - Loans - net 184,690,704 - 9,069,879 16,464,843 16,982,284 32,164,344 110,009,354 Consumer financing receivables - net 1,404,045 - 64,078 125,775 180,392 321,016 712,784 Acceptance receivables - net 4,304,000 - 1,243,073 1,807,282 1,242,307 11,338 - Investments in shares - net 186,848 186,848 - - - - - Fixed assets - net 4,963,306 4,963,306 - - - - - Deferred tax assets - net 6,014,085 6,014,085 - - - - - Other assets - net 3,812,265 8,253 1,454,536 1,843,159 - 506,317 - Total Assets 394,616,604 11,360,935 89,391,401 39,700,557 20,183,488 34,159,994 199,820,229 Liabilities and Syirkah temporer fund Obligation due immediately 573,557 - 573,557 - - - - Deposit from customers Conventional banking and sharia - non Syirkah temporer fund Demand deposits 72,691,525 - 72,691,525 - - - - Saving deposits 106,727,364 - 106,727,364 - - - - Time deposits 123,474,761 - 93,507,012 20,820,616 5,714,604 3,170,500 262,029 Sharia banking-Syirkah temporer fund Restricted investment demand deposit and mudharabah musytarakah demand deposit 5,322 - 5,322 - - - - Restricted investment saving deposit and unrestricted investment mudharabah saving deposit 7,067,647 - 7,067,647 - - - - Unrestricted investment mudharabah time deposit 9,583,762 - 6,832,903 1,653,760 586,318 510,781 - Deposits from other banks Conventional banking and sharia - non Syirkah temporer fund Demand and saving deposits 5,744,330 - 5,744,330 - - - - Time deposits 4,736,318 - 4,587,343 138,745 5,402 4,528 300 Sharia banking-Syirkah temporer fund Unrestricted investment mudharabah saving deposit 98,239 - 98,239 - - - - Unrestricted investment mudharabah time deposit 207,640 - 175,442 3,905 25,022 3,271 - Securities sold under repurchase agreements 316,356 - - - 316,356 - - Derivative payables 41,611 17,126 8,648 3,089 6,161 6,587 Acceptance payables 4,356,773 - 1,256,747 1,830,109 1,258,464 11,453 - Marketable securities issued 1,671,014 - 622,055 374,860 - - 674,099 Fund borrowings 3,944,356 - 88,512 50,314 61,156 70,774 3,673,600 Estimated losses on commitments and contingencies 329,362 - - - - - - Accrued expenses 542,921 329,362 542,921 - - - - Taxes payable 1,855,829 - 235,781 - 1,608,429 11,619 - Other liabilities 9,132,586 514, 365 3,975,206 1,031,019 526,298 1,066,838 2,018,860 Subordinated loans 6,217,068 - 2,882 17,153 - 67,336 6,129,697 Total liabilities and Syirkah temporer fund 359,318,341 843,727 304,751,914 25,929,129 10,105,138 4,923,261 12,765,172 Maturity gap 35,298,263 10,517,208 215,360,513 13,771,428 10,078,350 29,236,733 187,055,057 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS AS AT 31 DECEMBER 2010, 2009 AND 2008 Expressed in millions of Rupiah, unless otherwise stated Appendix 5161 56. RISK MANAGEMENT continued Market Risk and Liquidity Risk continued

a. Liquidity Risk Management continued