LOANS continued Bank Mandiri Tbk (english)

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 58

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B. Significant information related to loans continued: e. Syndicated Loans Syndicated loans represent loans provided to customers under syndication agreements with other banks. Bank Mandiri’s share as facility agent in syndicated loans ranged from 4.00 up to 64,99 and 4.50 up to 73.40 of the total syndicated loans as of December 31, 2008 and 2007, respectively. Bank Mandiri’s total participation in syndicated loans ranged from 0.40 up to 56.29 and 0.07 up to 73.85, of the total syndicated loans as of December 31, 2008 and 2007, respectively. f. Restructured Loans Below is the type and amount of restructured loans as of December 31, 2008 and 2007: 2008 2007 Extension of loan maturity dates 8,019,030 11,366,342 Extension of loan maturity dates and reduction of interest rates 4,486,039 5,176,258 Long-term loans with options to convert debt to equity 380,232 1,533,249 Additional loan facilities 1,321,951 31,212 Extension of loan maturity dates and other restructuring schemes 2,353,136 2,537,865 16,560,388 20,644,926 Other restructuring schemes mainly involve one or more of the following: reduction of interest rates, rescheduling of unpaid interest and extension of repayment periods for unpaid interest. Total restructured loans under non-performing loans NPL category as of December 31, 2008 and 2007 amounted to Rp2,958,551 and Rp5,448,259, respectively. g. Loans to Related Parties Note 47a Loans to related parties amounted to Rp641,263 and Rp783,078 as of December 31, 2008 and 2007 or 0.18 and 0.25 of total consolidated assets as of December 31, 2008 and 2007, respectively. Included in loans to related parties are loans to Bank Mandiri employees. The loans to Bank Mandiri employees consist of interest-bearing loans at 4 per annum which are intended for the acquisition of vehicles andor houses, and are repayable within 1 one to 15 fifteen years through monthly payroll deductions. h. Legal Lending Limit LLL As of December 31, 2008 and 2007, Bank Mandiri had not exceeded the Legal Lending Limit as required by Bank Indonesia Regulations. i. Bank Mandiri has several loan-channeling agreements with several international financial institutions Note 54. PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 59

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