PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
Six Months Ended June 30, 2006 Unaudited and 2005 Audited Expressed in millions of Rupiah, unless otherwise stated
50
11. LOANS continued
A. Details of loans: continued c By Economic Sector and Rating: continued
The loans as of June 30, 2006 and 2005 include the loans purchased from IBRA amounting to Rp4,214,979 and Rp5,019,253, respectively, with an allowance for possible losses of Rp864,623 and
Rp1,109,241, and deferred income of Rp144,614 and Rp164,397, respectively.
d By Period:
2006 2005
Rupiah: Less than 1 year
8,378,087 8,836,951
1 - 2 years 7,535,466
6,519,168 2 - 5 years
25,569,212 26,745,781
Over 5 years 35,226,410
27,387,652
76,709,175 69,489,552
Foreign Currency:
Less than 1 year 6,434,673
3,792,964 1 - 2 years
1,054,265 1,363,383
2 - 5 years 7,459,533
8,927,748 Over 5 years
16,314,467 20,495,294
31,262,938 34,579,389
Total 107,972,113 104,068,941
Less: Deferred income 144,614
164,397 Total
107,827,499 103,904,544
Less: Allowance for possible losses 13,157,966
10,769,177 94,669,533 93,135,367
B. Significant information related to loans: a. Included in loans are syariah finance receivables amounting to Rp6,808,871 and Rp6,339,683 as of
June 30, 2006 and 2005:
2006 2005
Receivables 4,592,835
4,654,154 Musyarakah finance receivables
1,362,741 1,108,174
Other syariah finance receivables
853,295 577,355
6,808,871 6,339,683
Less: Allowance for possible losses 165,730
160,196 6,643,141
6,179,487
PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
Six Months Ended June 30, 2006 Unaudited and 2005 Audited Expressed in millions of Rupiah, unless otherwise stated
51
11. LOANS continued
B. Significant information related to loans: continued b. Average Interest Rates and Range of Profit Sharing Per Annum:
Average interest rates per annum:
2006 2005
Rupiah 12.79
11.71 Foreign
Currency 4.43
5.88
Range of profit sharing per annum:
2006 2005
Receivables 11.78 - 13.09
12.82 - 13.53 Musyarakah finance receivables
12.78 - 16.45 12.60 - 17.85
Other syariah finance receivables
14.70 - 16.13 16.14 - 17.85
c. Loan Collateral Loans are generally collateralized by registered mortgages, powers of attorney to mortgage or sell
pledged assets, time deposits or other guarantees acceptable to Bank Mandiri. d. Government Program Loans
Government program loans consist of investment loans, permanent working capital loans and working capital loans which can be fully funded by the Government.
e. Syndicated Loans Syndicated loans represent loans provided to customers under syndication agreements with other
banks. Bank Mandiri’s share as facility agent in syndicated loans ranged from 4.50 to 73.40 and 4.50 to 83.09 of the total syndicated loans as of June 30, 2006 and 2005, respectively. Bank
Mandiri’s total participation in syndicated loans ranged from 0.07 to 95.61 and 0.03 to 75.00, of the total syndicated loans as of June 30, 2006 and 2005, respectively.
PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
Six Months Ended June 30, 2006 Unaudited and 2005 Audited Expressed in millions of Rupiah, unless otherwise stated
52
11. LOANS continued
