DERIVATIVE RECEIVABLES AND PAYABLES continued

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 56

11. LOANS

A. Details of loans: a. By Currency and Related Parties and Third Parties: December 31, April 30, December 31, 2003 2003 2002 Rupiah: Related parties 515,704 501,610 475,418 Third parties 47,677,466 41,240,910 39,035,326 48,193,170 41,742,520 39,510,744 Foreign Currency: Related parties 508,340 521,641 373,841 Third parties 27,241,110 27,139,752 25,532,663 27,749,450 27,661,393 25,906,504 Total 75,942,620 69,403,913 65,417,248 Less: Allowance for possible losses 8,890,383 9,879,080 8,906,545 Deferred income 209,573 203,946 164,284 66,842,664 59,320,887 56,346,419 b. By Type: December 31, April 30, December 31, 2003 2003 2002 Rupiah: Working capital 23,075,411 19,585,221 17,959,436 Investment 13,867,587 12,257,518 11,395,818 Export 2,945,889 2,838,784 2,713,320 Consumer 2,806,793 1,232,667 1,652,150 Syndicated Note 11B.e 2,480,355 3,826,755 3,970,712 Government program Note 11B.d 1,741,660 1,694,233 1,530,757 Employees 1,275,475 292,342 288,551 Others - 15,000 - 48,193,170 41,742,520 39,510,744 Foreign Currency: Working capital 6,906,254 7,785,720 7,830,603 Investment 11,922,801 12,036,462 9,837,491 Export 2,927,450 3,529,220 3,607,503 Consumer 63,055 62,449 21,301 Syndicated Note 11B.e 5,465,684 3,806,891 4,278,276 Government program Note 11B.d 101,547 103,028 52,268 Employees 265 660 668 Others 362,394 336,963 278,394 27,749,450 27,661,393 25,906,504 Total 75,942,620 69,403,913 65,417,248 Less: Allowance for possible losses 8,890,383 9,879,080 8,906,545 Deferred income 209,573 203,946 164,284 66,842,664 59,320,887 56,346,419 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 57

11. LOANS continued

A. Details of loans: continued c. By Economic Sector: December 31, April 30, December 31, 2003 2003 2002 Rupiah: Manufacturing 17,526,545 17,219,209 16,941,419 Agriculture 7,655,239 6,532,301 5,984,223 Trading, restaurant and hotel 7,596,591 5,555,738 5,914,127 Transportation, warehousing and communications 3,577,285 3,832,218 3,624,707 Other services 3,382,908 3,138,142 2,390,275 Construction 2,150,272 2,070,797 1,751,713 Social services 482,343 589,495 161,291 Mining 362,820 236,937 212,362 Electricity, gas and water 518,714 142,234 166,254 Others 4,940,453 2,425,449 2,364,373 48,193,170 41,742,520 39,510,744 Foreign Currency: Manufacturing 14,880,458 15,884,818 15,940,259 Agriculture 1,490,685 1,451,432 1,588,469 Trading, restaurant and hotel 2,808,516 2,302,930 2,112,997 Transportation, warehousing and communications 1,045,178 613,703 556,099 Other services 1,313,898 1,920,712 1,583,105 Construction 1,902,415 1,591,817 1,423,625 Social services - 24,221 7,334 Mining 2,156,657 1,711,414 1,722,031 Electricity, gas and water 1,224,071 1,303,578 319,136 Others 927,572 856,768 653,449 27,749,450 27,661,393 25,906,504 Total 75,942,620 69,403,913 65,417,248 Less: Allowance for possible losses 8,890,383 9,879,080 8,906,545 Deferred income 209,573 203,946 164,284 66,842,664 59,320,887 56,346,419 d. By Period: December 31, April 30, December 31, 2003 2003 2002 Rupiah: Less than 1 year 3,884,416 6,882,910 6,300,406 1 - 2 years 6,640,752 2,908,587 2,536,594 2 - 5 years 18,145,417 12,352,723 10,827,581 Over 5 years 19,522,585 19,598,300 19,846,163 48,193,170 41,742,520 39,510,744