DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued

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 123

26. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS

a. By currency: December 31, December 31, 2015 2014 Rupiah Third parties 4,720,928 11,140,783 Foreign currencies Third parties Note 61B.V 406,657 - Total 5,127,585 11,140,783 Include in deposits from customers - time deposits are Negotiable Certificate of Deposit NCD amounting to Rp1,550,767 and RpNil as of Desember 31, 2015 and 2014, respectively. b. By period: December 31, December 31, 2015 2014 Rupiah: 1 month 2,099,550 10,920,705 3 months 172,742 156,085 6 months 578,192 8,418 12 months 562,478 55,575 More than 12 months 1,307,966 - Total 4,720,928 11,140,783 Foreign currencies 1 month 137,850 - 12 months 137,850 - More than 12 months 130,957 - Total Note 61B.v 406,657 - 5,127,585 11,140,783 c. Average interest rates cost of funds per annum: December 31, December 31, 2015 2014 Rupiah 7.77 7.67 Foreign currencies 1.21 1.20 d. As of December 31, 2015 and 2014, time deposits from other banks pledged as collateral on loans amounting Rp94,551 and Rp112,073, respectively Note 12B.c. 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 124

27. LIABILITY TO UNIT-LINKED HOLDERS

This account represents Subsidiary’s liabilities to unit-linked holders placed in unit-linked investment, with details as follows: December 31, December 31, 2015 2014 Non-Sharia 16,147,095 16,407,185 Sharia 871,954 936,614 17,019,049 17,343,799 The details of non-sharia unit-linked investments based on the type of contracts are as follows: December 31, December 31, 2015 2014 Dynamic Money 7,531,851 7,911,912 Attractive Money 4,518,537 4,219,272 Progressive Money 2,119,308 2,295,561 Excellent Equity 1,290,405 1,426,903 Protected Money 394,396 261,701 Active Money 154,507 150,537 Secure Money 71,131 77,101 Fixed Money 55,850 54,146 Money Market 11,110 10,052 16,147,095 16,407,185 The details of sharia unit-linked investments based on the type of contracts are as follows: December 31, December 31, 2015 2014 Attractive money sharia 741,366 802,467 Active money sharia 91,258 90,292 Amanah equity sharia 24,182 20,933 Advanced commodity sharia 15,148 22,922 871,954 936,614 Underlying assets of the policyholders’ investment in the above unit-linked contracts are financial assets mainly consist of cash, marketable securities and Goverment Bonds. As of December 31, 2015 and 2014, the investment of policyholders were recorded based on each type of the financial assets in the consolidated statement of financial position. The policyholders’ funds non-sharia placed in statutory deposits as of December 31, 2015 and 2014 amounted to Rp37,500 and Rp177,776, respectively. Included in the above policyholders’ investments in unit-linked contracts are policyholders’ fund in foreign currency as of December 31, 2015 and 2014 amounted to USD1,886,869 full amount and USD2,378,155 full amount, respectively. Dynamic money This is an equity fund with underlying exposures in stocks listed in Indonesia Stock Exchange and money market instruments through mutual fund Schroder Dana Prestasi Dinamis.