MATURITY PROFILE continued 2004 12 Full Audited Financial Statements w Notes

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 142

49. MATURITY PROFILE continued

The maturity profile of the Bank’s assets and liabilities is as follows: continued April 30, 2003 after quasi-reorganization No Maturity Description Total Contract 1 mth 1 mth - 3 mth 3 mth 6 mth 6 mth 12 mth 12 mth Assets Cash 1,846,539 - 1,846,539 - - - - Current accounts with Bank Indonesia 9,643,221 - 9,643,221 - - - - Current accounts with other banks - net 412,651 - 412,651 - - - - Placements with Bank Indonesia and other banks - net 7,019,538 - 6,857,704 35,713 - 126,121 - Securities - net 14,133,439 - 12,566,519 322,178 42,242 7,883 1,194,617 Government Recapitalization Bonds 150,332,380 - 2,029,644 1,227,148 1,751,586 3,464,133 141,859,869 Other receivables - trade transactions - net 573,185 - 241,951 108,618 200,513 22,103 - Derivative receivables - net 417,761 - 1,448 21,619 7,148 821 386,725 Loans - net 59,320,887 - 4,527,521 6,509,196 5,301,057 7,461,067 35,522,046 Acceptances receivable - net 2,688,233 - 754,740 819,611 730,242 383,640 - Investments in shares of stock - net 122,271 122,271 - - - - - Premises and equipment - net 2,043,088 2,043,088 - - - - - Deferred tax assets - net 2,923,968 2,923,968 - - - - - Accrued income 3,232,512 - 3,232,512 - - - - Receivables 2,810,862 - - - - - 2,810,862 Others - net 3,765,374 3,109,582 - - - 655,792 - Total Assets 261,285,909 8,198,909 42,114,450 9,044,083 8,032,788 12,121,560 181,774,119 Liabilities Liabilities immediately payable 443,908 - 443,908 - - - - Demand deposits 33,467,719 - 33,467,719 - - - - Savings deposits 30,130,336 - 30,130,336 - - - - Time deposits 123,626,343 - 78,414,149 18,124,025 12,271,316 13,540,239 1,276,614 Certificates of deposit 119 - 119 - - - - Deposits from other banks - Demand deposits 285,423 - 285,423 - - - - - Inter-bank call money 1,574,947 - 1,574,947 - - - - - Time deposits 11,930,461 - 10,726,549 993,644 205,993 4,275 - Securities sold with agreements to repurchase 735,000 - - - - 735,000 - Derivative payables 13,128 - 1,158 5,294 4,779 1,165 732 Acceptances payable 2,791,637 - 772,601 854,167 774,564 390,305 - Securities issued 4,053,877 - 263,808 9,977 - - 3,780,092 Fund borrowings 12,658,279 - 1,211,549 3,628,476 325,688 1,207,756 6,284,810 Estimated losses on commitments and contingencies 1,488,315 1,488,315 - - - - - Accrued expenses 974,474 - 974,474 - - - - Taxes payable 1,091,009 - 177,936 913,073 - - - Other liabilities 9,906,046 7,297,497 - 2,555,358 - - 53,191 Subordinated loans 5,901,077 - 184 162,000 304,237 1,222,207 4,212,449 Loan capital 2,926,193 - - - - - 2,926,193 Total Liabilities 243,998,291 8,785,812 158,444,860 27,246,014 13,886,577 17,100,947 18,534,081 Net AssetsLiabilities 17,287,618 586,903 116,330,410 18,201,931 5,853,789 4,979,387 163,240,038 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 143

50. SEGMENT INFORMATION

The Bank considers the nature of business as the primary segment, and geographical areas as the secondary segment. The business activities of the Bank and its Subsidiaries and its geographical locations are as follows: Name of Company Nature of Business Location PT Bank Mandiri Persero Tbk. Parent Commercial Banking Indonesia, Singapore, Hong Kong, Grand Cayman and Timor Leste PT Bank Syariah Mandiri Subsidiary Syariah Banking Indonesia Bank Mandiri Europe Limited Subsidiary Commercial Banking United Kingdom PT Mandiri Sekuritas Subsidiary Securities Indonesia PT AXA Mandiri Financial Services formerly PT Asuransi Jiwa Mandiri Subsidiary Note 2b Insurance Indonesia Others PT Bumi Daya Plaza Subsidiary and its subsidiaries Property management Indonesia PT Usaha Gedung Bank Dagang Negara Subisidiary and its subsidiaries Property management Indonesia Inter-segment transactions are made under the same terms and conditions as with other parties. Primary Segment Information for the year ended December 31, 2004 ‘Syariah’ Banking Banking Securities Insurance Others Elimination Consolidated Operating income 22,243,815 695,387 250,533 - 70,679 - 23,260,414 Inter-segment operating income 189,123 - 5,282 - - 194,405 - Operating income including inter-segment operating income 22,432,938 695,387 255,815 - 70,679 194,405 23,260,414 Operating expenses 14,951,923 554,745 163,462 - 69,685 - 15,739,815 Inter-segment operating expenses 5,282 - - - 5,282 - Operating expenses including inter-segment operating expenses 14,957,205 554,745 163,462 - 69,685 5,282 15,739,815 Profit from operations 7,475,733 140,642 92,353 - 994 189,123 7,520,599 Net profit 5,255,561 103,447 62,988 - 22,758 189,123 5,255,631 Total assets 240,436,505 6,869,949 1,435,684 - 1,892,203 2,478,514 248,155,827 Total assets as a percentage of total consolidated assets prior to elimination 95.93 2.74 0.57 0.00 0.76 Excludes PT AXA Mandiri Financial Services formerly PT Asuransi Jiwa Mandiri not consolidated as 51 of the ownership previously held by Bank Mandiri has been sold to National Mutual International Pty. Ltd., member of AXA Group, on November 5, 2003 Note 2b,