DERIVATIVE RECEIVABLES AND PAYABLES DERIVATIVE RECEIVABLES AND PAYABLES Continued
11. DERIVATIVE RECEIVABLES AND PAYABLES Continued
Movements of allowance for possible losses on derivative receivables: 2002 2001 Balance at beginning of year 48 - Provision during the year 3,577 48 Balance at end of year 3,625 48 The minimum allowance for possible losses on derivative receivables, under the guidelines prescribed by Bank Indonesia, as of December 31, 2002 and 2001 are Rp3,625 and Rp48, respectively. Management believes that the allowance for possible losses on derivative receivables is adequate.12. LOANS
A. Details of loans: a. By Currency: 2002 2001 Rupiah 39,510,744 27,718,862 Foreign currency 25,906,504 20,620,440 Total 65,417,248 48,339,302 Less: Allowance for possible losses 8,906,545 6,100,252 Deferred income 164,284 - 56,346,419 42,239,050 PT BANK MANDIRI PERSERO AND SUBSIDIARIES Notes to the Consolidated Financial Statements Continued December 31, 2002 and 2001 Expressed in millions of Rupiah, unless otherwise stated - 46 -12. LOANS Continued
A. Details of loans Continued: b. By Type: 2002 2001 Rupiah: Working capital 17,959,436 12,219,746 Investment 11,395,818 9,809,750 Syndicated 3,970,712 872,224 Export 2,713,320 2,506,641 Consumer 1,652,150 688,850 Government program Note 12B.c 1,530,757 1,248,314 Employees 288,551 306,866 Others - 66,471 39,510,744 27,718,862 Foreign currency: Investment 9,837,491 7,545,092 Working capital 7,830,603 4,615,962 Syndicated 4,278,276 3,797,388 Export 3,607,503 3,990,143 Government program Note 12B.c 52,268 57,076 Consumer 21,301 43,981 Employees 668 175 Others 278,394 570,623 25,906,504 20,620,440 Total 65,417,248 48,339,302 Less: Allowance for possible losses 8,906,545 6,100,252 Deferred income 164,284 - 56,346,419 42,239,050 PT BANK MANDIRI PERSERO AND SUBSIDIARIES Notes to the Consolidated Financial Statements Continued December 31, 2002 and 2001 Expressed in millions of Rupiah, unless otherwise stated - 47 -12. LOANS Continued
A. Details of loans continued: c. By Economic Sector: 2002 2001 Rupiah: Manufacturing 16,941,419 12,153,818 Agriculture 5,984,223 4,504,498 Trading, restaurant and hotel 5,914,127 3,355,450 Transportation, warehousing and communications 3,624,707 1,487,152 Other services 2,390,275 1,622,120 Construction 1,751,713 1,604,290 Mining 212,362 95,176 Electricity, gas and water 166,254 135,720 Social services 161,291 188,137 Others 2,364,373 2,572,501 39,510,744 27,718,862 Foreign currency: Manufacturing 15,940,259 11,118,555 Trading, restaurant and hotel 2,112,997 2,110,727 Mining 1,722,031 1,316,843 Agriculture 1,588,469 1,080,991 Other services 1,583,105 1,439,446 Construction 1,423,625 1,255,969 Transportation, warehousing and communications 556,099 679,822 Electricity, gas and water 319,136 363,576 Social services 7,334 15,881 Others 653,449 1,238,630 25,906,504 20,620,440 Total 65,417,248 48,339,302 Less: Allowance for possible losses 8,906,545 6,100,252 Deferred income 164,284 - 56,346,419 42,239,050Parts
» 2002 12 Full Audited Financial Statements w Notes
» GENERAL 2002 12 Full Audited Financial Statements w Notes
» GENERAL Continued 2002 12 Full Audited Financial Statements w Notes
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Continued
» BANK MANDIRI MERGER AND RECAPITALIZATION
» BANK MANDIRI MERGER AND RECAPITALIZATION Continued
» BANK MANDIRI MERGER AND RECAPITALIZATION Continued CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS
» CURRENT ACCOUNTS WITH OTHER BANKS Continued PLACEMENTS WITH OTHER BANKS
» PLACEMENTS WITH OTHER BANKS Continued
» PLACEMENTS WITH OTHER BANKS Continued SECURITIES
» SECURITIES Continued SECURITIES Continued
» SECURITIES Continued 2002 12 Full Audited Financial Statements w Notes
» GOVERNMENT BONDS Continued 2002 12 Full Audited Financial Statements w Notes
» TRADE DOCUMENTS AND OTHER FACILITIES
» TRADE DOCUMENTS AND OTHER FACILITIES Continued
» SECURITIES PURCHASED WITH AGREEMENTS TO RESELL
» DERIVATIVE RECEIVABLES AND PAYABLES DERIVATIVE RECEIVABLES AND PAYABLES Continued
» DERIVATIVE RECEIVABLES AND PAYABLES Continued LOANS LOANS Continued
» LOANS Continued 2002 12 Full Audited Financial Statements w Notes
» LOANS Continued LOANS Continued
» LOANS Continued ACCEPTANCES RECEIVABLE
» ACCEPTANCES RECEIVABLE Continued INVESTMENTS IN SHARES OF STOCK
» INVESTMENTS IN SHARES OF STOCK Continued
» INVESTMENTS IN SHARES OF STOCK Continued PREMISES AND EQUIPMENT PREMISES AND EQUIPMENT Continued
» PREMISES AND EQUIPMENT Continued
» OTHER ASSETS 2002 12 Full Audited Financial Statements w Notes
» OTHER ASSETS Continued 2002 12 Full Audited Financial Statements w Notes
» DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS
» DEPOSITS FROM OTHER BANKS - DEMAND DEPOSITS
» DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS AND CERTIFICATES OF DEPOSIT Continued
» SECURITIES SOLD WITH AGREEMENT TO REPURCHASE
» ACCEPTANCES PAYABLE 2002 12 Full Audited Financial Statements w Notes
» SECURITIES ISSUED 2002 12 Full Audited Financial Statements w Notes
» SECURITIES ISSUED Continued FUND BORROWINGS
» FUND BORROWINGS Continued 2002 12 Full Audited Financial Statements w Notes
» ALLOWANCE FOR POSSIBLE LOSSES ON COMMITMENTS AND CONTINGENCIES
» ALLOWANCE FOR POSSIBLE ON COMMITMENTS AND CONTINGENCIES Continued
» Corporate income tax expense
» TAXATION Continued c. Corporate income tax expense - current
» TAXATION Continued c. Corporate income tax expense - current continued
» Corporate income tax expense - deferred
» TAXATION CONTINUED e. Deferred tax assets
» OTHER LIABILITIES 2002 12 Full Audited Financial Statements w Notes
» OTHER LIABILITIES Continued SUBORDINATED LOANS
» SUBORDINATED LOANS Continued 2002 12 Full Audited Financial Statements w Notes
» SUBORDINATED LOANS Continued SUBORDINATED LOANS Continued
» LOAN CAPITAL 2002 12 Full Audited Financial Statements w Notes
» LOAN CAPITAL Continued 2002 12 Full Audited Financial Statements w Notes
» MINORITY INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES SHAREHOLDER’S EQUITY
» SHAREHOLDER’S EQUITY Continued
» INTEREST INCOME 2002 12 Full Audited Financial Statements w Notes
» INTEREST EXPENSE 2002 12 Full Audited Financial Statements w Notes
» OTHER FINANCING EXPENSES 2002 12 Full Audited Financial Statements w Notes
» PROVISIONREVERSAL OF ALLOWANCE FOR POSSIBLE LOSSES ON EARNING ASSETS
» GAINLOSS FROM INCREASEDECREASE IN VALUE OF SECURITIES AND GOVERNMENT BONDS
» GAIN FROM SALE OF SECURITIES AND GOVERNMENT BONDS
» GENERAL AND ADMINISTRATIVE EXPENSES SALARIES AND EMPLOYEE BENEFITS
» SALARIES AND EMPLOYEE BENEFITS Continued PENSION PLAN AND EMPLOYEE SERVICE ENTITLEMENTS
» PENSION PLAN AND EMPLOYEE SERVICE ENTITLEMENTS Continued
» OTHER OPERATING INCOME - OTHERS
» OTHER OPERATING EXPENSES - OTHERS
» NON-OPERATING INCOMEEXPENSES - NET
» COMMITMENTS AND CONTINGENCIES 2002 12 Full Audited Financial Statements w Notes
» COMMITMENTS AND CONTINGENCIES Continued
» FOREIGN CURRENCY TRANSACTIONS 2002 12 Full Audited Financial Statements w Notes
» BANK GUARANTEES RECEIVED AND ISSUED AND STANDBY LETTERS OF CREDIT Continued
» RISK MANAGEMENT 2002 12 Full Audited Financial Statements w Notes
» RISK MANAGEMENT Continued 2002 12 Full Audited Financial Statements w Notes
» MATURITY PROFILE 2002 12 Full Audited Financial Statements w Notes
» NET OPEN POSITION 2002 12 Full Audited Financial Statements w Notes
» CAPITAL ADEQUACY RATIO 2002 12 Full Audited Financial Statements w Notes
» NON-PERFORMING EARNINGS 2002 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION 2002 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION Continued 2002 12 Full Audited Financial Statements w Notes
» CUSTODIAL AND TRUST OPERATIONS
» CUSTODIAL AND TRUST OPERATIONS Continued
» CHANNELING LOANS 2002 12 Full Audited Financial Statements w Notes
» RELATED PARTY 2002 12 Full Audited Financial Statements w Notes
» RELATED PARTY TRANSACTIONS Continued SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES Continued
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES Continued ECONOMIC CONDITIONS
» ECONOMIC CONDITIONS 2002 12 Full Audited Financial Statements w Notes
» ECONOMIC CONDITIONS Continued 2002 12 Full Audited Financial Statements w Notes
» GOVERNMENT GUARANTEE OF OBLIGATIONS OF LOCALLY INCORPORATED BANKS
» SUBSEQUENT EVENTS SUMMARY OF SIGNIFICANT DIFFERENCES BETWEEN ACCOUNTING PRINCIPLES
» SUMMARY OF SIGNIFICANT DIFFERENCES BETWEEN ACCOUNTING PRINCIPLES
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