DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS

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 - 68 -

19. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS Continued

d. Annual Average Interest Rates for the Year: 2002 2001 Rupiah 14.64 15.62 Foreign currency 3.24 5.42 e. As of December 31, 2002 and 2001, related part-time deposits amounted to Rp1,332,690 and Rp1,753,118, respectively, or 1.10 and 1.35 of the total time deposits, respectively Note 57. f. As of December 31, 2002 and 2001, time deposits which are frozen and blocked as collateral for bank guarantees and loan and working capital facilities, amounted to Rp4,625,849 and Rp4,514,260, respectively.

20. DEPOSITS FROM OTHER BANKS - DEMAND DEPOSITS

a. By Currency: 2002 2001 Rupiah 587,942 533,265 Foreign currency 5,489 53,335 593,431 586,600 b. Annual Average Interest Rates for the Year: 2002 2001 Rupiah 4.93 6.69 Foreign currency 2.45 2.75 c. As of December 31, 2002 and 2001, the Bank has no demand deposits from related party banks. d. Demand deposits pledged by borrowers as collateral as of December 31, 2002 and 2001 amounted to Rp481 and Rp22, respectively. 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 - 69 -

21. DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY

a. By Currency: 2002 2001 Rupiah 520,000 335,001 Foreign currency 276,555 - 796,555 335,001 b. By Maturity: 2002 2001 Rupiah: Less than 1 month 520,000 335,001 1 - 2 months - - 2 - 3 months - - 520,000 335,001 Foreign currency: Less than 1 month 276,555 - 1 - 2 months - - 2 - 3 months - - 276,555 - 796,555 335,001 c. Annual Average Interest Rates for the Year: 2002 2001 Rupiah 11.67 16.26 Foreign currency 1.21 5.72 d. As of December 31, 2002 and 2001, the Bank has no inter-bank call money from related party banks.