SUBORDINATED LOANS continued 2004 12 Full Audited Financial Statements w Notes
29. SUBORDINATED LOANS continued
Two-Step Loans TSL continued b Export-Import Bank of Japan EBJ continued Details of outstanding credit facilities from the Export-Import Bank of Japan EBJ are as follows: December 31, December 31, April 30, 2004 2003 2003 a Export-Import Bank of Japan I EBJ-TSL I 3,364 10,093 13,457 b Export-Import Bank of Japan II EBJ-TSL II - 15,148 22,722 c Export-Import Bank of Japan III EBJ-TSL III 29,568 59,135 73,919 d Export-Import Bank of Japan IV EBJ-TSL IV 48,823 68,352 78,116 81,755 152,728 188,214 The interest rate on the credit facilities from EBJ-TSL I and EBJ-TSL II is based on the weighted average interest rate for customers’ deposits in the participating banks as determined by Bank Indonesia every six months, less 1. EBJ-TSL II facility has been fully settled on October 2004. The interest rate on the credit facilities from EBJ-TSL III and IV is based on the floating interest rate determined every six months based on the prevailing average interest rate for the past six months for three-month Certificates of Bank Indonesia, which should: • Not be higher than the six-months’ average interest rate for three-month time deposits in five state-owned banks and not be lower than the interest rate on EBJ loans plus 4 for EBJ-TSL III. • Not be higher than the six-months’ average interest rate for three-month time deposits in five state-owned banks for EBJ-TSL IV. c Asian Development Bank ADB This account represents credit facilities from the ADB through the Government of the Republic of Indonesia, via the Ministry of Finance of the Republic of Indonesia, which re-lent the proceeds to participating banks to finance projects in Indonesia. The details of these facilities are as follows: Credit Facility Purpose Repayment Period ADB Fishery II Finance government projects in funding credit for fishery projects. December 19, 1991 - September 15, 2006 with 1 st installment on March 15, 1995. ADB Perkebunan Nusantara XII and Nescoco Inti Finance government projects in funding credit for plantation projects. February 15, 1989 - September 15, 2008 with 1 st installment on March 15, 1995. Development Financing Loan Project Finance industrial sector prioritizing manufacturing products for non-oil export, agro-based industry, employee- centred programs and earning foreign exchange. January 10, 1990 - January 15, 2005 with 1 st installment on July 15, 1993. ADB 1327-INO SF Finance Micro Credit Projects January 15, 2005 - July 15, 2029 with 1st installment on January 15, 2005. 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 10429. SUBORDINATED LOANS continued
Parts
» 2004 12 Full Audited Financial Statements w Notes
» GENERAL 2004 12 Full Audited Financial Statements w Notes
» GENERAL continued 2004 12 Full Audited Financial Statements w Notes
» 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
» By Type, Currency and Collectibility: continued
» SECURITIES continued 2004 12 Full Audited Financial Statements w Notes
» SECURITIES continued SECURITIES continued
» SECURITIES continued GOVERNMENT RECAPITALIZATION BONDS GOVERNMENT RECAPITALIZATION BONDS continued
» GOVERNMENT RECAPITALIZATION BONDS continued
» OTHER RECEIVABLES - TRADE TRANSACTIONS
» OTHER RECEIVABLES - TRADE TRANSACTIONS continued
» DERIVATIVE RECEIVABLES AND PAYABLES
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» DERIVATIVE RECEIVABLES AND PAYABLES continued LOANS
» LOANS continued LOANS continued
» LOANS continued 2004 12 Full Audited Financial Statements w Notes
» ACCEPTANCES RECEIVABLE 2004 12 Full Audited Financial Statements w Notes
» ACCEPTANCES RECEIVABLE continued INVESTMENTS IN SHARES OF STOCK continued
» INVESTMENTS IN SHARES OF STOCK continued
» INVESTMENTS IN SHARES OF STOCK continued PREMISES AND EQUIPMENT
» PREMISES AND EQUIPMENT continued PREMISES AND EQUIPMENT continued
» PREMISES AND EQUIPMENT continued
» OTHER ASSETS 2004 12 Full Audited Financial Statements w Notes
» OTHER ASSETS continued 2004 12 Full Audited Financial Statements w Notes
» DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - DEMAND DEPOSITS DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS continued
» SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE
» SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE continued
» ACCEPTANCES PAYABLE continued 2004 12 Full Audited Financial Statements w Notes
» SECURITIES ISSUED continued 2004 12 Full Audited Financial Statements w Notes
» FUND BORROWINGS 2004 12 Full Audited Financial Statements w Notes
» FUND BORROWINGS continued 2004 12 Full Audited Financial Statements w Notes
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES continued TAXATION
» TAXATION continued 2004 12 Full Audited Financial Statements w Notes
» TAXATION continued d. Corporate income tax expense - deferred
» OTHER LIABILITIES 2004 12 Full Audited Financial Statements w Notes
» OTHER LIABILITIES continued SUBORDINATED LOANS
» SUBORDINATED LOANS continued 2004 12 Full Audited Financial Statements w Notes
» SUBORDINATED LOANS continued SUBORDINATED LOANS continued
» LOAN CAPITAL 2004 12 Full Audited Financial Statements w Notes
» LOAN CAPITAL continued 2004 12 Full Audited Financial Statements w Notes
» MINORITY INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES SHAREHOLDERS’ EQUITY
» SHAREHOLDERS’ EQUITY continued 2004 12 Full Audited Financial Statements w Notes
» MANAGEMENT STOCK OPTION PLAN
» MANAGEMENT STOCK OPTION PLAN continued
» INTEREST INCOME 2004 12 Full Audited Financial Statements w Notes
» INTEREST EXPENSE 2004 12 Full Audited Financial Statements w Notes
» REVERSAL OF ALLOWANCE FOR POSSIBLE LOSSES - OTHERS
» GAINS FROM SALE OF SECURITIES AND GOVERNMENT RECAPITALIZATION BONDS
» GENERAL AND ADMINISTRATIVE EXPENSES
» SALARIES AND EMPLOYEE BENEFITS continued
» PENSION AND SEVERANCE 2004 12 Full Audited Financial Statements w Notes
» PENSION AND SEVERANCE continued
» PENSION AND SEVERANCE continued NON-OPERATING INCOMEEXPENSE - NET
» COMMITMENTS AND CONTINGENCIES 2004 12 Full Audited Financial Statements w Notes
» FOREIGN CURRENCY TRANSACTIONS 2004 12 Full Audited Financial Statements w Notes
» RELATED PARTY TRANSACTIONS continued
» RELATED PARTY TRANSACTIONS continued MATURITY PROFILE
» MATURITY PROFILE continued 2004 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION 2004 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION continued 2004 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION continued CAPITAL ADEQUACY RATIO continued
» CUSTODIAL AND TRUST OPERATIONS continued
» CHANNELING LOANS 2004 12 Full Audited Financial Statements w Notes
» CHANNELING LOANS continued 2004 12 Full Audited Financial Statements w Notes
» RISK MANAGEMENT continued 2004 12 Full Audited Financial Statements w Notes
» RISK MANAGEMENT continued SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES continued
» ECONOMIC CONDITIONS 2004 12 Full Audited Financial Statements w Notes
» IMPLEMENTATION OF QUASI-REORGANIZATION 2004 12 Full Audited Financial Statements w Notes
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