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
78
15. OTHER ASSETS continued
Movements of allowance for possible losses on other assets are as follows:
Eight-Month Four-Month
Year Ended Year Ended
Period Ended Period Ended
December 31, December 31,
December 31, April 30,
2004 2003
2003 2003
Balance at beginning of period 2,486,456
2,191,455 2,440,831
2,191,455 Provision during the period
- 166,192
165,094 1,098
Write-offs 603,002
- -
- Others
3,108 128,809
119,469 248,278
Balance at end of period 1,880,346
2,486,456 2,486,456
2,440,831
16. DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS a. By Currency and Related Parties and Third Parties:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah: Related parties
38,477 2,380
26,914 Third parties
28,865,715 29,005,035
24,733,428 28,904,192
29,007,415 24,760,342
Foreign Currency: Related parties
23,935 9,474
631 Third parties
12,155,203 9,214,767
8,706,746 12,179,138
9,224,241 8,707,377
41,083,330 38,231,656
33,467,719
Included in demand deposits are wadiah deposits amounting to Rp980,661, Rp297,796 and Rp150,344 as of December 31, 2004 and 2003, and April 30, 2003, respectively.
b. Average Interest Rates and Range of Bonuses per Annum: Average interest rates per annum:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah 3.60
3.20 3.75
Foreign Currency 0.50
1.23 1.88
Range of bonuses per annum on wadiah deposits:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah 1.21 - 1.43
1.67 - 2.83 2.47 - 2.83
Foreign Currency 0.24 - 0.70
0.82 - 0.94 0.82 - 0.94
c. As of December 31, 2004 and 2003, and April 30, 2003, demand deposits pledged by borrowers as collateral for bank guarantees, loans and trade finance facilities amounted to Rp1,039,179,
Rp1,078,941 and Rp1,524,344, respectively.
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
79
17. DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS
a. By Type and Currency:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah: Mandiri Savings
51,751,525 40,322,521
29,315,521 Mudharabah Savings
1,536,277 752,698
388,958 Mandiri Haji Savings
245,600 138,321
349,215 Investa Savings
- 79,361
11,611 Others
- 14,532
65,031 53,533,402
41,307,433 30,130,336
b. As of December 31, 2004 and 2003, and April 30, 2003, Bank Mandiri had savings deposits from related parties amounting to Rp15,467, Rp8,769 and Rp2,406, respectively, or 0.03, 0.02 and
0.01 of total savings deposits, respectively Note 48. c. Annual average interest rates of savings deposits for the years ended December 31, 2004 and
2003, and the four-month period ended April 30, 2003 were 5.03, 6.73 and 9.90, respectively.
d. Profit sharing for mudharabah savings ranged from 4.23 to 7.94, 5.36 to 10.5, and 5.36 to 10.50 for the years ended December 31, 2004 and 2003, and the four-month period ended
April 30, 2003, respectively.
18. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
a. By Currency:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah 68,885,972
81,747,939 104,637,454
Foreign Currency 12,335,642
17,523,726 18,988,889
81,221,614 99,271,665
123,626,343
b. By Period:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah: 1 month
43,586,485 45,967,629
46,628,343 3 months
11,900,143 16,305,242
22,330,373 6 months
7,891,840 3,522,785
6,865,538 12 months
2,781,990 8,654,940
11,233,186 More than 12 months
2,725,514 7,297,343
17,580,014 68,885,972
81,747,939 104,637,454
Foreign Currency: 1 months
10,097,715 15,221,813
15,281,325 3 months
1,344,763 1,169,152
1,780,241 6 months
408,862 656,403
853,906 12 months
477,173 469,433
544,612 More than 12 months
7,129 6,925
528,805 12,335,642
17,523,726 18,988,889
81,221,614 99,271,665
123,626,343
