LOANS continued 2005 12 Full Audited Financial Statements w Notes

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2005 and 2004 Expressed in millions of Rupiah, unless otherwise stated 51

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A. Details of loans: continued c By Economic Sector and Rating: continued 2004 Special Sub- Current Mention standard Doubtful Loss Total Others 889,038 13,561 - - 673 903,272 26,261,893 3,580,914 842,442 57,531 2,064,987 32,807,767 Total 79,132,055 8,599,071 2,369,744 440,706 3,893,163 94,434,739 Less: Allowance for possible losses 1,655,160 1,733,872 1,103,955 423,172 3,555,184 8,471,343 Deferred income 74,133 8,556 38,764 1,142 42,369 164,964 77,402,762 6,856,643 1,227,025 16,392 295,610 85,798,432 The non-performing loans ratio consolidated gross basis before deducting the allowance for possible loan losses as of December 31, 2005 and 2004, was 25.28 and 7.10, respectively Bank Mandiri only 26.66 and 7.42, as of December 31, 2005 and 2004 while the non-performing loans ratio consolidated net basis as of December 31, 2005 and 2004, was 15.32 and 1.63, respectively Bank Mandiri only – 16.14 and 1.62, as of December 31, 2005 and 2004. Based on Bank Indonesia Regulation No. 69PBI2004 regarding “Follow-Up Supervision and Bank Status Determination, dated March 26, 2004, the maximum ratio for non-performing loan is 5. The loans as of December 31, 2005 and 2004 include the loans purchased from IBRA amounting to Rp4,771,405 and Rp5,075,309, respectively, with an allowance for possible losses of Rp807,109 and Rp2,262,110, and deferred income of Rp159,858 and Rp164,964, respectively. d By Period: 2005 2004 Rupiah: Less than 1 year 8,176,507 5,492,842 1 - 2 years 5,438,367 7,218,878 2 - 5 years 21,883,988 20,285,757 Over 5 years 38,788,903 28,629,495 74,287,765 61,626,972 Foreign Currency: Less than 1 year 4,808,827 1,855,149 1 - 2 years 1,486,901 1,999,598 2 - 5 years 6,761,123 9,296,786 Over 5 years 19,508,330 19,656,234 32,565,181 32,807,767 Total 106,852,946 94,434,739 Less: Allowance for possible losses 11,823,614 8,471,343 Deferred income 159,858 164,964 94,869,474 85,798,432 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2005 and 2004 Expressed in millions of Rupiah, unless otherwise stated 52

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