Pension programs Insurance liabilities on insurance contracts

PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 71

4. CURRENT ACCOUNTS WITH BANK INDONESIA continued

The ratio of the Minimum Statutory Reserve requirement Bank Mandiri only for its Rupiah and foreign currencies accounts as of December 31, 2015 and 2014, are as follows: December 31, December 31, 2015 2014 Rupiah - Primary Minimum Statutory Reserve 7.50 8.00 - Secondary Minimum Statutory Reserve 14.35 17.74 - Minimum Statutory Reserve on Loan to Funding Ratio - - Foreign currencies 8.50 8.49 Bank Mandiri’s LFR as of December 31, 2015 is between 78.00-92.00, while in December 31, 2014, the Bank still using LDR.

5. CURRENT ACCOUNTS WITH OTHER BANKS

a. By currency, related parties and third parties: December 31, December 31, 2015 2014 Rupiah Related parties Note 55 23,070 19,869 Third parties 448,180 258,212 Total 471,250 278,081 Foreign currencies Related parties Note 55 1,445 1,068 Third parties 9,682,931 8,707,682 Total foreign currencies Note 61B.v 9,684,376 8,708,750 Total 10,155,626 8,986,831 Less: Allowance for impairment losses 3,412 3,364 Net 10,152,214 8,983,467 Included in foreign currencies are mainly Great Britain Pound Sterling, European Euro, United States Dollar, Japanese Yen, Australian Dollar, Hong Kong Dollar, Chinese Yuan, and Singapore Dollar. b. By Bank Indonesia’s collectibility: December 31, December 31, 2015 2014 Rupiah - Current 471,250 278,081 Foreign currencies Current 9,681,195 8,705,569 Loss 3,181 3,181 Total Note 61B.v 9,684,376 8,708,750 10,155,626 8,986,831 Less: Allowance for impairment losses 3,412 3,364 10,152,214 8,983,467 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 72

5. CURRENT ACCOUNTS WITH OTHER BANKS continued

c. The average interest rate yield per annum: December 31, December 31, 2015 2014 Rupiah 0.01 0.14 Foreign currencies 0.04 0.08 d. Movements of allowance for impairment losses on current accounts with other banks are as follows: December 31, December 31, 2015 2014 Beginning balance 3,364 11,591 Reversal during the year Note 44 46 6,846 Others 94 1,381 Ending balance 3,412 3,364 Includes effect of foreign currency translation. Management believes that the allowance for impairment losses on current accounts with other banks is adequate. e. Information in respect of classification of “non-impaired” and “impaired” are disclosed in Note 61A.

6. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS

a. By type, currency, maturity and Bank Indonesia’s collectibility: December 31, 2015 Maturity Current Loss Total Rupiah: Bank Indonesia 1 month 5,909,168 - 5,909,168 Call money 1 month 1,110,000 - 1,110,000 1 month 3 months 100,000 - 100,000 Time deposit 1 month 2,191,281 - 2,191,281 1 month 3 months 1,481,832 - 1,481,832 3 months 6 months 725,358 - 725,358 6months12months 42,500 - 42,500 Saving no maturity 486 - 486 Total 11,560,625 - 11,560,625 Foreign currencies: Bank Indonesia 1 month 20,539,650 - 20,539,650 1 month 3 months 689,250 - 689,250 Call money 1 month 2,615,015 - 2,615,015 1 month 3 months 68,925 - 68,925 12 months - 45,063 45,063 Fixed-term placement 1 month 1,090,184 - 1,090,184 1 month 3 months 308,780 - 308,780 3 months 6 months 125,857 - 125,857 12 months - 1,038 1,038 Time deposit 1 month 88,385 - 88,385 1 month 3 months 27,590 - 27,590 Others 6 months 12 months 75,656 - 75,656 12 months 151,605 - 151,605 Total Note 61B.v 25,780,897 46,101 25,826,998 37,387,623 Less: Allowance for impairment losses 66,760 Net 37,320,863