PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
December 31, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated
79
17. DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS
a. By Type and Currency:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah: Mandiri Savings
51,751,525 40,322,521
29,315,521 Mudharabah Savings
1,536,277 752,698
388,958 Mandiri Haji Savings
245,600 138,321
349,215 Investa Savings
- 79,361
11,611 Others
- 14,532
65,031 53,533,402
41,307,433 30,130,336
b. As of December 31, 2004 and 2003, and April 30, 2003, Bank Mandiri had savings deposits from related parties amounting to Rp15,467, Rp8,769 and Rp2,406, respectively, or 0.03, 0.02 and
0.01 of total savings deposits, respectively Note 48. c. Annual average interest rates of savings deposits for the years ended December 31, 2004 and
2003, and the four-month period ended April 30, 2003 were 5.03, 6.73 and 9.90, respectively.
d. Profit sharing for mudharabah savings ranged from 4.23 to 7.94, 5.36 to 10.5, and 5.36 to 10.50 for the years ended December 31, 2004 and 2003, and the four-month period ended
April 30, 2003, respectively.
18. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
a. By Currency:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah 68,885,972
81,747,939 104,637,454
Foreign Currency 12,335,642
17,523,726 18,988,889
81,221,614 99,271,665
123,626,343
b. By Period:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah: 1 month
43,586,485 45,967,629
46,628,343 3 months
11,900,143 16,305,242
22,330,373 6 months
7,891,840 3,522,785
6,865,538 12 months
2,781,990 8,654,940
11,233,186 More than 12 months
2,725,514 7,297,343
17,580,014 68,885,972
81,747,939 104,637,454
Foreign Currency: 1 months
10,097,715 15,221,813
15,281,325 3 months
1,344,763 1,169,152
1,780,241 6 months
408,862 656,403
853,906 12 months
477,173 469,433
544,612 More than 12 months
7,129 6,925
528,805 12,335,642
17,523,726 18,988,889
81,221,614 99,271,665
123,626,343
PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
December 31, 2004 and 2003, and April 30, 2003 Expressed in millions of Rupiah, unless otherwise stated
80
18. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
c. By Maturity:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah: 1 month
48,334,100 51,850,240
62,157,517 3 months
12,280,476 18,845,499
16,134,857 6 months
3,900,206 6,496,399
11,790,137 12 months
2,294,201 2,713,339
13,281,686 More than 12 months
2,076,989 1,842,462
1,273,257 68,885,972
81,747,939 104,637,454
Foreign Currency: 1 month
10,701,096 15,390,970
16,256,632 3 months
1,019,114 1,539,024
1,989,168 6 months
319,178 323,823
481,179 12 months
293,808 262,782
258,553 More than 12 months
2,446 7,127
3,357 12,335,642
17,523,726 18,988,889
81,221,614 99,271,665
123,626,343
d. Included in time deposits are unrestricted mudharabah investments amounting to Rp3,208,069, Rp1,578,393 and Rp842,531 as of December 31, 2004 and 2003, and April 30, 2003, respectively.
e. Average Interest Rates and Range of Profit Sharing per Annum: Average interest rates per annum:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah 6.50
8.57 11.68
Foreign Currency 0.93
1.63 2.41
Range of profit sharing per annum on mudharabah investments:
December 31, December 31,
April 30, 2004
2003 2003
Rupiah 6.61 - 9.01
6.67 - 13.12 10.18 - 13.12 Foreign Currency
1.81 - 1.91 1.70 - 3.21 2.80 - 4.01
f. As of December 31, 2004 and 2003, and April 30, 2003, time deposits from related parties amounted to Rp35,997, Rp354,490 and Rp1,813,676, respectively, or 0.04, 0.36 and 1.47 of
the total time deposits, respectively Note 48. g. As of December 31, 2004 and 2003, and April 30, 2003, time deposits which are frozen and
blocked as collateral for bank guarantees, loans and trade finance facilities amounted to Rp4,511,787, Rp5,331,218 and Rp4,135,382, respectively. Mudharabah time deposits pledged as
of December 31, 2004 and 2003, and April 30, 2003 for mudharabah receivables extended by a subsidiary amounted to Rp49,454, Rp9,500 and Rp14,030, respectively.
