DERIVATIVE RECEIVABLES AND PAYABLES Continued LOANS LOANS Continued

PT BANK MANDIRI PERSERO AND SUBSIDIARIES Notes to the Consolidated Financial Statements Continued December 31, 2002 and 2001 Expressed in millions of Rupiah, unless otherwise stated - 47 -

12. LOANS Continued

A. Details of loans continued: c. By Economic Sector: 2002 2001 Rupiah: Manufacturing 16,941,419 12,153,818 Agriculture 5,984,223 4,504,498 Trading, restaurant and hotel 5,914,127 3,355,450 Transportation, warehousing and communications 3,624,707 1,487,152 Other services 2,390,275 1,622,120 Construction 1,751,713 1,604,290 Mining 212,362 95,176 Electricity, gas and water 166,254 135,720 Social services 161,291 188,137 Others 2,364,373 2,572,501 39,510,744 27,718,862 Foreign currency: Manufacturing 15,940,259 11,118,555 Trading, restaurant and hotel 2,112,997 2,110,727 Mining 1,722,031 1,316,843 Agriculture 1,588,469 1,080,991 Other services 1,583,105 1,439,446 Construction 1,423,625 1,255,969 Transportation, warehousing and communications 556,099 679,822 Electricity, gas and water 319,136 363,576 Social services 7,334 15,881 Others 653,449 1,238,630 25,906,504 20,620,440 Total 65,417,248 48,339,302 Less: Allowance for possible losses 8,906,545 6,100,252 Deferred income 164,284 - 56,346,419 42,239,050 PT BANK MANDIRI PERSERO AND SUBSIDIARIES Notes to the Consolidated Financial Statements Continued December 31, 2002 and 2001 Expressed in millions of Rupiah, unless otherwise stated - 48 -

12. LOANS Continued

A. Details of loans continued: d. By Period: 2002 2001 Rupiah: Less than 1 year 6,300,406 4,415,594 1 - 2 years 2,536,594 2,176,475 2 - 5 years 10,827,581 5,891,350 Over 5 years 19,846,163 15,235,443 39,510,744 27,718,862 Foreign currency: Less than 1 year 3,001,626 4,512,656 1 - 2 years 1,737,010 1,434,651 2 - 5 years 7,409,149 4,236,298 Over 5 years 13,758,719 10,436,835 25,906,504 20,620,440 Total 65,417,248 48,339,302 Less: Allowance for possible losses 8,906,545 6,100,252 Deferred income 164,284 - 56,346,419 42,239,050 e. By Collectibility: 2002 2001 Current 44,451,924 30,972,027 Special mention 16,201,501 12,655,129 Sub-standard 1,521,643 2,561,479 Doubtful 1,039,787 966,132 Loss 2,202,393 1,184,535 Total 65,417,248 48,339,302 Less: Allowance for possible losses 8,906,545 6,100,252 Deferred income 164,284 - 56,346,419 42,239,050 The non-performing loans ratio consolidated gross basis as of December 31, 2002 and 2001 is 7.28 and 9.75, respectively Bank only - 7.39 and 9.89 for 2002 and 2001, respectively. Included in loans classified as current as of December 31, 2002 are loans purchased from IBRA through “Program Penjualan Aktiva Kredit” “PPAK” amounting to Rp3,990,326, with an allowance for possible losses of Rp288,797, and deferred income of Rp164,284. PT BANK MANDIRI PERSERO AND SUBSIDIARIES Notes to the Consolidated Financial Statements Continued December 31, 2002 and 2001 Expressed in millions of Rupiah, unless otherwise stated - 49 -

12. LOANS Continued