DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS continued DEPOSITS FROM CUSTOMERS - TIME DEPOSITS

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2003, April 30, 2003 and December 31, 2002 Expressed in millions of Rupiah, unless otherwise stated 84

19. DEPOSITS FROM OTHER BANKS - DEMAND DEPOSITS continued

a. By Currency continued: Included in demand deposits are wadiah deposits amounting to Rp182, Rp24,804 and Rp114, and unrestricted mudharabah savings investments amounting to Rp28,775, Rp4,110 and Rp5,742 as of December 31, 2003, April 30, 2003 and December 31, 2002, respectively. b. Average Interest Rates, Range of Bonus and Range of Profit Sharing Per Annum: Average interest rates per annum: December 31, April 30, December 31, 2003 2003 2002 Rupiah 3.20 3.75 4.93 Foreign Currency 1.23 1.88 2.45 Range of bonus per annum: December 31, April 30, December 31, 2003 2003 2002 Rupiah 2.72-2.91 2.47-2.83 2.72-3.09 Foreign Currency - 0.82-0.94 0.95-1.30 Range of profit sharing per annum: December 31, April 30, December 31, 2003 2003 2002 Rupiah 5.10-10.49 5.36-10.5 5.90-11.47 c. As of December 31, 2003, April 30, 2003 and December 31, 2002, the Bank has no demand deposits from related party banks. d. Demand deposits pledged by borrowers as collateral as of December 31, 2003, April 30, 2003 and December 31, 2002 amounted to Rp2,452, Rp3,124 and Rp481, respectively.

20. DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY

a. By Currency: December 31, April 30, December 31, 2003 2003 2002 Rupiah 845,516 579,000 520,000 Foreign Currency 176,925 995,947 276,555 1,022,441 1,574,947 796,555 b. By Maturity: December 31, April 30, December 31, 2003 2003 2002 Rupiah: Less than 1 month 845,516 579,000 520,000 1 - 2 months - - - 2 - 3 months - - - 845,516 579,000 520,000 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2003, April 30, 2003 and December 31, 2002 Expressed in millions of Rupiah, unless otherwise stated 85

20. DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY continued

b. By Maturity continued: December 31, April 30, December 31, 2003 2003 2002 Foreign Currency: Less than 1 month 176,925 995,947 276,555 1 - 2 months - - - 2 - 3 months - - - 176,925 995,947 276,555 1,022,441 1,574,947 796,555 c. Average Interest Rates Per Annum: December 31, April 30, December 31, 2003 2003 2002 Rupiah 6.50 9.45 11.67 Foreign Currency 1.20 1.22 1.21 d. As of December 31, 2003, April 30, 2003 and December 31, 2002, the Bank has no inter-bank call money from related party banks. 21. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS AND CERTIFICATES OF DEPOSIT Time Deposits a. By Currency: December 31, April 30, December 31, 2003 2003 2002 Rupiah 9,632,884 11,827,721 11,296,352 Foreign Currency 409,331 102,740 206,325 10,042,215 11,930,461 11,502,677 b. By Period: December 31, April 30, December 31, 2003 2003 2002 Rupiah: Less than 1 month 7,808,888 10,379,432 9,678,158 3 months 1,637,476 1,250,789 1,615,594 6 months 88,178 192,975 450 12 months 81,458 4,525 2,150 Over 12 months 16,884 - - 9,632,884 11,827,721 11,296,352