FIXED ASSETS continued Bank Mandiri Tbk Eng 31 Des 2015 Released

PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 117

20. OTHER ASSETS continued

Receivables from customer transactions mainly consist of receivables arising from securities transactions of PT Mandiri Sekuritas Subsidiary. As of December 31, 2015 and 2014, included in receivables from customer transactions is an impaired portfolio amounting to Rp214,365 and Rp67,134, respectively. Receivables from mutual fund related to receivable from securities portfolio transactions of unit-linked contracts in Subsidiary. Receivables related to ATM and credit card transactions represent receivable arising from ATM transactions within ATM Bersama, Prima and Link network and receivable from Visa and Master Card on credit card transactions. Receivables from government bonds pledged as collateral represent receivables in relation to “repo to maturity” transaction with a counterparty, where the Bank has transferred VR0031 with nominal value of Rp600,000 and recognised a receivable equivalent to the cash value of VR0031 refer to Note 36e. This receivable will be settled by net basis with the settlement of the corresponding liabilities of Rp600,000 to the counterparty on the due date July 25, 2020. Receivables to policy holders represent the Subsidiary’s receivables to policy holders related to policy holders’ premium of non unit-linked products. Accrue sales of marketable securities are receivables from sale of marketable securities which have settlement date on January 6, 2016 and January 2, 2015, respectively for the year ended December 31, 2015 and 2014. Others mainly consist of inter-office accounts, various receivables from transaction with third parties, including clearing transactions and others. Movement of allowance for possible losses on other assets are as follows: December 31, December 31, 2015 2014 Beginning balace 251,505 289,412 Allowancereversal during the year Note 45 157,382 42,475 Others 23,142 4,568 Ending balance 432,029 251,505 Including effect of foreign currency translation. Management believes that the allowance for possible losses is adequate.

21. DEPOSITS FROM CUSTOMERS - DEMANDWADIAH DEMAND DEPOSITS

a. By currency, related parties and third parties: December 31, December 31, 2015 2014 Rupiah: Related parties Note 55 22,839,976 9,752,670 Third parties 78,390,328 69,226,136 Total 101,230,304 78,978,806 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 118

21. DEPOSITS FROM CUSTOMERS - DEMANDWADIAH DEMAND DEPOSITS continued

a. By currency, related parties and third parties continued: December 31, December 31, 2015 2014 Foreign currencies: Related parties Note 55 15,412,209 9,998,549 Third parties 55,511,975 39,076,203 Total Note 61B.v 70,924,184 49,074,752 172,154,488 128,053,558 Included in demand deposits were wadiah deposits amounting Rp5,818,708 and Rp5,186,571 as of December 31, 2015 and 2014, respectively. b. Average interest rates cost of funds and range of profit sharing per annum: Average interest rates cost of funds per annum: Year ended December 31, 2015 2014 Rupiah 2.07 2.00 Foreign currencies 0.29 0.27 Range of profit sharing per annum on wadiah deposits: Year ended December 31, 2015 2014 Rupiah 0.71 - 0.84 0.70 - 0.81 Foreign currencies 0.18 - 0.84 0.18 - 0.81 c. As of 31 December 2015 and 2014, demand deposits pledged as collateral for bank guarantees, loans and trade finance facilities irrevocable Letters of Credits were amounting Rp5,323,777 and Rp3,959,724, respectively Note 12B.c and 31e.

22. DEPOSITS FROM CUSTOMERS - SAVINGWADIAH SAVING DEPOSITS

a. By currency, type, related parties and third parties: December 31, December 31, 2015 2014 Rupiah: Related parties Note 55 Mandiri Saving Deposits 1,111,778 111,904 Third parties Mandiri Saving Deposits 219,154,260 205,731,289 Hajj Mandiri Saving Deposits 666,507 877,926 Total 220,932,545 206,721,119