DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 82

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

b. By Maturity: December 31, December 31, April 30, 2004 2003 2003 Rupiah: Less than 1 month 330,000 845,516 579,000 1 - 2 months - - - 2 - 3 months 200 - - 330,200 845,516 579,000 Foreign Currency: Less than 1 month 1,634,160 176,925 995,947 1 - 2 months - - - 2 - 3 months - - - 1,634,160 176,925 995,947 1,964,360 1,022,441 1,574,947 c. Average Interest Rates Per Annum: December 31, December 31, April 30, 2004 2003 2003 Rupiah 6.39 6.50 9.45 Foreign Currency 3.18 1.20 1.22 d. As of December 31, 2004 and 2003, and April 30, 2003, the Bank has no inter-bank call money from related party banks.

21. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS

a. By Currency: December 31, December 31, April 30, 2004 2003 2003 Rupiah 8,218,662 9,632,884 11,827,721 Foreign Currency 885,357 409,331 102,740 9,104,019 10,042,215 11,930,461 b. By Period: December 31, December 31, April 30, 2004 2003 2003 Rupiah: Less than 1 month 7,959,739 7,808,888 10,379,432 3 months 254,438 1,637,476 1,250,789 6 months 185 88,178 192,975 12 months 4,300 81,458 4,525 More than 12 months - 16,884 - 8,218,662 9,632,884 11,827,721 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 83

21. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS continued

b. By Period: December 31, December 31, April 30, 2004 2003 2003 Foreign Currency: Less than 1 month 623,183 179,757 53,345 3 months 112,913 27,695 17,351 6 months 108,131 144,589 32,044 12 months 17,093 57,290 - More than 12 months 24,037 - - 885,357 409,331 102,740 9,104,019 10,042,215 11,930,461 Included in time deposits from other bank are unrestricted investments - mudharabah time deposits amounting to Rp175,800, Rp38,223 and Rp9,670 as of December 31, 2004 and 2003, and April 30, 2003, respectively. c. Average Interest Rates and Range of Profit Sharing Per Annum: Average interest rates per annum : December 31, December 31, April 30, 2004 2003 2003 Rupiah 6.50 8.57 11.68 Foreign Currency 0.93 1.63 2.41 Range of profit sharing per annum on mudharabah time deposits: December 31, December 31, April 30, 2004 2003 2003 Rupiah 6.61 - 9.01 6.67 - 13.12 10.18 - 13.12 Foreign Currency 1.81 - 1.91 1.70 - 3.21 2.80 - 4.01 d. As of December 31, 2004 and 2003, and April 30, 2003, the Bank has no time deposits from related party banks. e. As of December 31, 2004 and 2003, and April 30, 2003, time deposits from other banks which are frozen and blocked as loans collateral amounted to Rp17,676, Rp33,591 and Rp36,446, respectively.