DERIVATIVE RECEIVABLES AND PAYABLES 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 52

11. LOANS

A. Details of loans: a By Currency and Related Parties and Third Parties: December 31, December 31, April 30, 2004 2003 2003 Rupiah: Related parties 360,156 511,562 496,990 Third parties 61,265,753 47,681,608 41,245,530 61,625,909 48,193,170 41,742,520 Foreign Currency: Related parties 592,121 508,340 521,641 Third parties 32,184,535 27,241,110 27,139,752 32,776,656 27,749,450 27,661,393 Total 94,402,565 75,942,620 69,403,913 Less: Allowance for possible losses 8,470,700 8,890,383 9,879,080 Deferred income 164,964 209,573 203,946 85,766,901 66,842,664 59,320,887 b By Type and Rating: December 31, 2004 Special Sub- Current Mention standard Doubtful Loss Total Rupiah: Working capital 26,124,417 1,063,248 759,418 232,415 674,957 28,854,455 Investment 13,299,659 1,822,692 471,713 85,990 613,507 16,293,561 Consumer 7,995,317 620,126 125,994 49,072 124,157 8,914,666 Export 1,944,960 115,334 62,750 - 173,790 2,296,834 Syndicated 590,985 1,145,661 - 11,494 227,087 1,975,227 Government Program 1,331,340 208,148 105,014 2,923 6,922 1,654,347 Employees 1,396,330 35,213 877 567 7,189 1,440,176 Others 186,091 7,735 1,536 714 567 196,643 52,869,099 5,018,157 1,527,302 383,175 1,828,176 61,625,909 Foreign Currency: Working capital 6,909,896 382,048 315,170 57,364 257,886 7,922,364 Investment 13,276,436 1,996,053 323,998 167 1,767,438 17,364,092 Consumer 280,903 14,200 - - - 295,103 Export 2,135,911 1,019,097 203,226 - 39,663 3,397,897 Syndicated 3,081,336 124,201 48 - - 3,205,585 Government Program 110,390 - - - - 110,390 Employees 765 - - - - 765 Others 435,145 45,315 - - - 480,460 26,230,782 3,580,914 842,442 57,531 2,064,987 32,776,656 Total 79,099,881 8,599,071 2,369,744 440,706 3,893,163 94,402,565 Less: Allowance for possible losses 1,654,517 1,733,872 1,103,955 423,172 3,555,184 8,470,700 Deferred income 74,133 8,556 38,764 1,142 42,369 164,964 77,371,231 6,856,643 1,227,025 16,392 295,610 85,766,901 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 53

11. LOANS continued

A. Details of loans: continued b By Type and Rating: continued December 31, 2003 Special Sub- Current Mention standard Doubtful Loss Total Rupiah: Working capital 20,103,397 1,573,851 603,486 115,018 679,659 23,075,411 Investment 10,180,087 2,198,478 479,286 457,718 552,018 13,867,587 Export 2,556,170 95,338 160,613 100,112 33,656 2,945,889 Consumer 2,365,603 265,744 49,043 44,581 81,822 2,806,793 Syndicated 937,435 1,279,933 - 227,086 35,901 2,480,355 Government Program 1,095,560 456,178 33,741 13,066 143,115 1,741,660 Employees 1,214,948 49,306 3,351 3,788 4,082 1,275,475 38,453,200 5,918,828 1,329,520 961,369 1,530,253 48,193,470 Foreign Currency: Working capital 4,062,439 1,135,046 63,254 14,620 1,630,895 6,906,254 Investment 9,058,208 2,120,384 104,713 443,294 196,202 11,922,801 Export 1,738,852 964,259 176,969 17,693 29,677 2,927,450 Consumer 60,482 1,388 1,152 33 - 63,055 Syndicated 4,377,410 1,046,106 43 - 42,125 5,465,684 Government Program 101,547 - - - - 101,547 Employees 258 7 - - - 265 Others 332,596 29,798 - - - 362,394 19,731,792 5,296,988 346,131 475,640 1,898,899 27,749,450 Total 58,184,992 11,215,816 1,675,651 1,437,009 3,429,152 75,942,620 Less: Allowance for possible losses 1,310,392 2,189,923 781,316 1,290,423 3,318,329 8,890,383 Deferred income 60,387 128,632 2,217 5,544 12,793 209,573 56,814,213 8,897,261 892,118 141,042 98,030 66,842,664