NON-PERFORMING EARNINGS ASSETS RATIO AND SMALL SCALE LOANS RATIO SEGMENT INFORMATION

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 153

54. SEGMENT INFORMATION continued

Secondary Segment Information as of and for the Period Ended April 30, 2003 Indonesia Domestic Asia Europe Other Elimination Consolidated Operating income 10,661,688 75,655 26,091 245,292 - 11,008,728 Inter-segment operating Income 45,751 - - - 45,751 - Operating income including inter-segment operating income 10,707,439 75,655 26,091 245,292 45,751 11,008,728 Operating expenses 8,910,830 64,592 20,955 197,402 - 9,193,781 Inter-segment operating expenses 15,839 - - - 15,839 - Operating expenses including Inter-segment operating expenses 8,926,669 64,592 20,955 197,402 15,839 9,193,781 Profit from Operations 1,780,770 11,063 5,136 47,890 29,912 1,814,947 Net Profit 1,320,233 14,169 5,135 47,890 29,912 1,357,515 Total Assets 238,452,542 4,776,480 1,269,289 19,544,096 2,756,498 261,285,909 Total assets as a percentage of total consolidated assets prior to elimination 90.31 1.81 0.48 7.40 Primary Segment Information as of and for the Year Ended December 31, 2002 ‘Syariah’ Banking Banking Securities Insurance Others Elimination Consolidated Operating income 35,210,027 196,853 17,660 13,338 73,415 - 35,511,293 Inter-segment operating Income 3,001 - - - - 3,001 - Operating income including Inter-segment operating income 35,213,028 196,853 17,660 13,338 73,415 3,001 35,511,293 Operating expenses 30,680,786 154,830 16,498 23,708 63,050 - 30,938,872 Inter-segment operating expenses 3,001 - - - - 3,001 - Operating expenses including inter-segment operating expenses 30,683,787 154,830 16,498 23,708 63,050 3,001 30,938,872 Profit from Operations 4,529,241 42,023 1,162 10,370 10,365 - 4,572,421 Net Profit 3,614,867 29,404 2,092 10,461 11,082 61,395 3,585,589 Total Assets 250,257,847 1,618,060 381,554 17,976 265,565 2,146,313 250,394,689 Total assets as a percentage of total consolidated assets prior to elimination 99.10 0.64 0.15 0.01 0.10 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 154

54. SEGMENT INFORMATION continued