MANAGEMENT STOCK OPTION PLAN
33. INTEREST INCOME
Interest income was derived from the following: 2007 2006 Loans 12,629,787 11,319,184 Government Bonds 7,418,237 10,840,987 Securities 1,759,699 1,646,826 Placements with Bank Indonesia and other banks 755,716 1,067,532 Fees and commissions 695,800 603,709 Others 669,310 782,868 23,928,549 26,261,106 Included in interest income from loans and others is syariah income for the years ended December 31, 2007 and 2006 amounting to Rp1,051,145 and Rp825,107, respectively, with details as follows: 2007 2006 Murabahah income 553,286 492,689 Musyarakah income 200,090 189,779 Others 297,769 142,639 1,051,145 825,107 34. INTEREST EXPENSE Interest expense was incurred on the following: 2007 2006 Time deposits 6,466,082 11,459,892 Savings deposits 2,310,034 2,059,386 Demand deposits 1,251,732 1,325,764 Fund borrowings 332,657 331,809 Securities issued 269,636 251,972 Subordinated loans 162,473 129,704 Others 207,580 218,224 11,000,194 15,776,751 Included in interest expense from time and savings deposits is syariah expense for the years ended December 31, 2007 and 2006 amounting to Rp307,424 and Rp314,493, respectively.35. OTHER OPERATING INCOME - OTHERS
2007 2005 Penalty 90,911 3,444 Stamp duty income 42,823 40,643 Safe Deposit Box 18,801 17,201 Others 248,734 290,057 401,269 351,345 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2007 and 2006 Expressed in millions of Rupiah, unless otherwise stated 10036. PROVISION FOR POSSIBLE LOSSES ON EARNING ASSETS
2007 2006 Provisionreversal of allowance for possible losses on: Current accounts with other banks Note 4e 2,731 4,101 Placements with other banks Note 5f 36,337 51,542 Securities Note 6g 22,773 30,839 Other receivables - trade transactions Note 8d 5,527 215,583 Securities purchased with agreements to resell Note 9b 25,000 8,600 Derivative receivables Note 10 467 874 Loans Note 11B.j 2,247,854 4,158,551 Acceptances receivable Note 12d 96,805 202,701 Investments in shares of stock Note 13c 318 327 2,113,994 3,671,788 37. REVERSAL OF ALLOWANCE FOR POSSIBLE LOSSES - OTHERS 2007 2006 Reversalprovision of allowance for: Possible losses on legal cases Note 28 106,619 154,427 Possible losses on fraud cases 107 51,018 Others assets Note 15 208,072 53,663 Others 1,783 22,837 313,015 128,94538. GAINSLOSSES FROM INCREASEDECREASE IN VALUE OF SECURITIES AND GOVERNMENT BONDS
2007 2006 Securities 15,129 8,318 Government Bonds 29,190 101,063 14,061 109,381 39. GAINS FROM SALE OF SECURITIES AND GOVERNMENT BONDS 2007 2006 Securities 43,504 94,286 Government Bonds 184,994 43,256 228,498 137,542Parts
» 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» GENERAL 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» GENERAL continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» GENERAL continued GENERAL continued
» GENERAL continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued SECURITIES
» SECURITIES continued SECURITIES continued
» SECURITIES continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» SECURITIES continued GOVERNMENT BONDS GOVERNMENT BONDS continued
» GOVERNMENT BONDS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» OTHER RECEIVABLES - TRADE TRANSACTIONS
» OTHER RECEIVABLES - TRADE TRANSACTIONS continued
» SECURITIES PURCHASED WITH AGREEMENTS TO RESELL
» SECURITIES PURCHASED WITH AGREEMENTS TO RESELL continued
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» LOANS 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» LOANS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» ACCEPTANCES RECEIVABLE 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» ACCEPTANCES RECEIVABLE continued INVESTMENTS IN SHARES OF STOCK
» INVESTMENTS IN SHARES OF STOCK continued
» PREMISES AND EQUIPMENT 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» PREMISES AND EQUIPMENT continued
» PREMISES AND EQUIPMENT continued OTHER ASSETS
» OTHER ASSETS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - DEMAND AND SAVINGS DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS continued
» SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE continued
» ACCEPTANCES PAYABLE 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» ACCEPTANCES PAYABLE continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» SECURITIES ISSUED continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» FUND BORROWINGS 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» FUND BORROWINGS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» FUND BORROWINGS continued f Direct Off-shore Loans continued
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES continued
» Tax expense TAXATION a. Taxes payable
» TAXATION continued c. Tax expense - current
» Deferred tax assets TAXATION continued d. Tax expense - deferred
» TAXATION continued e. Deferred tax assets continued
» SUBORDINATED LOANS 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» SUBORDINATED LOANS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» MINORITY INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES
» SHAREHOLDERS’ EQUITY 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» SHAREHOLDERS’ EQUITY continued a. Authorized, Issued and Fully Paid-up Capital continued
» SHAREHOLDERS’ EQUITY continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» MANAGEMENT STOCK OPTION PLAN
» MANAGEMENT STOCK OPTION PLAN continued
» INTEREST INCOME OTHER OPERATING INCOME - OTHERS
» PROVISION FOR POSSIBLE LOSSES ON EARNING ASSETS
» GAINSLOSSES FROM INCREASEDECREASE IN VALUE OF SECURITIES AND GOVERNMENT BONDS
» GENERAL AND ADMINISTRATIVE EXPENSES
» SALARIES AND EMPLOYEE BENEFITS
» SALARIES AND EMPLOYEE BENEFITS continued 2006
» PENSION AND SEVERANCE continued
» COMMITMENTS AND CONTINGENCIES 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» FOREIGN CURRENCY TRANSACTIONS continued RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued
» RELATED PARTY TRANSACTIONS continued MATURITY PROFILE
» MATURITY PROFILE continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» SEGMENT INFORMATION continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» CAPITAL ADEQUACY RATIO 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» CAPITAL ADEQUACY RATIO continued
» CUSTODIAL AND TRUST OPERATIONS continued
» CHANNELING LOANS 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» CHANNELING LOANS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» RISK MANAGEMENT continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES continued
» ECONOMIC CONDITIONS 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» ECONOMIC CONDITIONS continued 166996CF B6AA 4D8A 8662 359D238F1CD7 Consol Fin stat 2007 English
» GOVERNMENT GUARANTEE OF OBLIGATIONS OF LOCALLY INCORPORATED BANKS
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