NON-PERFORMING EARNINGS 2002 12 Full Audited Financial Statements w Notes

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 - 128 -

54. SEGMENT INFORMATION Continued

Secondary Segment Information as of and for the Year Ended December 31, 2002 Indonesia Asia Europe Other Elimination Consolidated Domestic Operating income 32,243,040 169,682 85,591 992,230 - 33,490,543 Inter-segment operating Income 3,001 - - - 3,001 - Operating income including inter-segment operating income 32,246,041 169,682 85,591 992,230 3,001 33,490,543 Operating expenses 29,105,546 85,746 67,926 742,384 - 30,001,602 Inter-segment operating expenses 3,001 - - - 3,001 - Operating expenses including Inter-segment operating expenses 29,108,547 85,746 67,926 742,384 3,001 30,001,602 Profit from Operations 4,285,055 22,157 15,799 249,410 - 4,572,421 Net Profit 3,296,787 71,509 29,278 249,410 61,395 3,585,589 Total Assets 234,916,481 4,251,687 1,088,038 12,284,796 2,146,313 250,394,689 Total assets as a percentage of total consolidated assets prior to elimination 93.02 1.68 0.43 4,87 Primary Segment Information as of and for the Year Ended December 31, 2001 Banking ‘Syariah’ Securities Insurance Others Elimination Consolidated Banking Operating income 32,746,031 113,647 12,744 15,524 63,969 - 32,951,915 Inter-segment operating income 42,584 - - - - 42,584 - Operating income including inter-segment operating income 32,788,615 113,647 12,744 15,524 63,969 42,584 32,951,915 Operating expenses 28,359,739 99,592 12,796 13,623 60,814 - 28,546,564 Inter-segment operating expenses 18,902 - - - - 18,902 - Operating expenses including inter-segment operating expenses 28,340,837 99,592 12,796 13,623 60,814 18,902 28,546,564 Profit from Operations 1,687,877 14,054 52 1,901 3,155 61,485 1,645,450 Net Profit 2,771,230 16,744 5,521 1,901 11,662 61,301 2,745,757 Total Assets 262,553,991 951,629 62,475 16,584 369,240 1,662,924 262,290,995 Total assets as a percentage of total consolidated assets prior to elimination 99.47 0.36 0.02 0.01 0.14 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 - 129 -

54. SEGMENT INFORMATION Continued