DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS Continued

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS June 30, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 77

18. DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS

a. By Currency and Related Parties and Third Parties: June 30, 2004 June 30, 2003 April 30, 2003 Rupiah: Related parties 61,978 28,732 26,914 Third parties 31,154,261 27,951,874 24,733,428 31,216,239 27,980,606 24,760,342 Foreign Currency: Related parties 11,942 1,860 631 Third parties 12,323,010 8,029,716 8,706,746 12,334,952 8,031,576 8,707,377 43,551,191 36,012,182 33,467,719 Included in demand deposits are wadiah deposits amounting to Rp687,252, Rp145,664 and Rp150,344 as of June 30, 2004 and 2003, and April 30, 2003, respectively. b. Average Interest Rates and Range of Bonus per Annum: Average interest rates per annum: June 30, 2004 June 30, 2003 April 30, 2003 Rupiah 2.69 3.38 3.75 Foreign Currency 0.32 1.75 1.88 Range of bonus per annum: June 30, 2004 June 30, 2003 April 30, 2003 Rupiah 1.21 - 1.34 2.47 - 2.83 2.47 - 2.83 Foreign Currency 0.24 - 0.67 0.82 - 0.94 0.82 - 0.94 c. Demand deposits pledged by borrowers as collateral as of June 30, 2004 and 2003, and April 30, 2003 amounted to Rp849,911, Rp950,145 and Rp1,524,344, respectively.

19. DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS

a. By Type and Currency: June 30, 2004 June 30, 2003 April 30, 2003 Rupiah: Mandiri Saving 42,258,495 31,474,180 29,315,521 Mudharabah Saving 1,276,461 606,367 388,958 Mandiri Haji Saving - 452,493 349,215 Investa Saving - - 11,611 Others - 13,024 65,031 43,534,956 32,546,064 30,130,336 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS June 30, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated 78

19. DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS Continued

b. As of June 30, 2004 and 2003, and April 30, 2003, Bank Mandiri had savings deposits from related parties amounting to Rp18,799, Rp3,367 and Rp2,406, respectively or 0.04, 0.01 and 0.01 from total savings deposits, respectively Note 59. c. Annual average interest rates of savings deposits for the six-month periods ended June 30, 2004 and 2003, and the four-month period ended April 30, 2003 were 4.7, 8.97 and 9.90, respectively. d. Profit sharing for mudharabah ranged from 4.23 to 7.20, 5.44 to 9.28, and 5.36 to 10.50 for the six-month periods ended June 30, 2004 and 2003, and the four-month period ended April 30, 2003, respectively.

20. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS