LOANS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2007 and 2006 Expressed in millions of Rupiah, unless otherwise stated 53

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A. Details of loans continued: c. By Economic Sector and Collectibility continued: 2006 continued Special Sub- Current Mention standard Doubtful Loss Total Foreign Currency continued: Transportation, warehousing and communications 598,483 172,577 - - 91,270 862,330 Business services 366,653 5,663 607 2,385 9,168 384,476 Social services 2,056 - - - - 2,056 Others 1,253,190 76,180 7,336 1,867 767,992 2,106,565 Total Foreign Currency 17,955,270 8,913,951 493,984 22,577 8,118,267 35,504,049 Total 80,950,434 17,544,961 2,119,395 699,514 16,443,018 117,757,322 Less: Deferred income 9,751 43,722 1,150 - 31,757 86,380 Total 80,940,683 17,501,239 2,118,245 699,514 16,411,261 117,670,942 Less: Allowance for possible losses 836,988 1,292,353 509,604 255,696 11,494,054 14,388,695 80,103,695 16,208,886 1,608,641 443,818 4,917,207 103,282,247 d By Period: 2007 2006 Rupiah: Less than 1 year 15,611,781 13,237,128 1 - 2 years 11,259,366 7,648,357 2 - 5 years 21,726,578 22,146,627 Over 5 years 48,131,858 39,221,161 Total Rupiah 96,729,583 82,253,273 Foreign Currency: Less than 1 year 10,054,544 8,859,082 1 - 2 years 4,416,986 1,350,872 2 - 5 years 5,292,872 5,245,373 Over 5 years 22,059,567 20,048,722 Total Foreign Currency 41,823,969 35,504,049 Total 138,553,552 117,757,322 Less: Deferred income 23,472 86,380 Total 138,530,080 117,670,942 Less: Allowance for possible losses 13,041,696 14,388,695 125,488,384 103,282,247 The non-performing loans ratio Bank Mandiri and Subsidiaries gross basis before deducting the allowance for possible losses as of December 31, 2007 and 2006, was 7.17 and 16.34, respectively Bank Mandiri only 7.33 and 17.08, as of December 31, 2007 and 2006, respectively while the non- performing loans ratio Bank Mandiri and Subsidiaries net basis as of December 31, 2007 and 2006, was 1.51 and 5.92, respectively Bank Mandiri only 1.32 and 6.06, as of December 31, 2007 and 2006, respectively. PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2007 and 2006 Expressed in millions of Rupiah, unless otherwise stated 54

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