SUBORDINATED LOANS continued December 31, December 31,

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 160

38. TEMPORARY SYIRKAH FUNDS continued

a. Deposits from Customers continued 2 Saving Deposits continued a. Based on type continued: The saving deposits - restricted investment represent deposit from third parties which will receive return from Subsidiary’s restricted investment based on the agreed share nisbah of the Subsidiary’s revenue. The Mudharabah saving deposits - unrestricted investment represent third parties’ deposits which will receive return from Subsidiary’s investment based on the agreed share nisbah of the Subsidiary’s revenue. b. Ranging of the Annual Profit Sharing Ratio for Mudharabah Saving Deposits - unrestricted investment: December 31, December 31, 2015 2014 Profit sharing ratio 0.22 - 5.46 0.22 - 5.25 3 Mudharabah Time Deposit - Unrestricted Investment December 31, December 31, 2015 2014 Rupiah Related parties Note 55 195,996 455,067 Third parties 27,228,698 27,353,981 Total 27,424,694 27,809,048 Foreign currency Related parties Note 55 242,301 163 Third parties 3,620,542 4,126,695 Total 3,862,843 4,126,858 31,287,537 31,935,906 b. Deposits from Other Banks December 31, December 31, 2015 2014 Third parties Mudharabah saving deposits - unrestricted investment 244,385 163,544 Mudharabah time deposits - unrestricted investment 73,548 78,761 317,933 242,305 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 161

38. TEMPORARY SYIRKAH FUNDS continued

c. Other significant information related to the time deposits for deposits from customers and deposits from other banks. 1 By contract period: December 31, December 31, 2015 2014 Rupiah: 1 month 20,814,126 1,382,343 3 months 3,204,667 2,470,300 6 months 1,124,115 3,347,624 12 months 2,355,334 20,687,542 Total 27,498,242 27,887,809 Foreign currency: 1 month 3,072,455 109,638 3 months 282,518 232,991 6 months 315,341 1,585,296 12 months 192,529 2,198,933 Total 3,862,843 4,126,858 31,361,085 32,014,667 2 By remaining period until maturity date: December 31, December 31, 2015 2014 Rupiah: Less than 1 month 21,654,675 21,278,429 1 - 3 months 3,314,400 3,830,385 3 - 6 months 1,152,496 1,200,898 6 - 12 months 1,376,671 1,578,097 Total 27,498,242 27,887,809 Foreign currency: Less than 1 month 3,318,078 3,799,870 1 - 3 months 71,628 217,363 3 - 6 months 316,410 40,141 6 - 12 months 156,727 69,484 Total 3,862,843 4,126,858 31,361,085 32,014,667 Mudharabah time deposits represent third parties’ deposits which received a profit sharing return from the Subsidiary’s income over utilisation of its fund based on an agreed profit sharing ratio arranged in Mudharabah Muthlaqah agreement.