OTHER ASSETS continued DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
18. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
a. By Currency: 2008 2007 Rupiah 103,233,269 78,535,764 Foreign Currency 21,838,083 16,449,494 125,071,352 94,985,258 b. By Contract Period: 2008 2007 Rupiah: 1 month 77,620,722 64,145,362 3 months 13,114,836 9,060,496 6 months 8,183,506 2,492,026 12 months 4,160,570 1,797,559 Over 12 months 153,635 1,040,321 Total Rupiah 103,233,269 78,535,764 Foreign Currency: 1 month 16,803,485 13,686,388 3 months 3,288,342 1,270,383 6 months 1,133,297 875,805 12 months 609,872 553,542 Over 12 months 3,087 63,376 Total Foreign Currency 21,838,083 16,449,494 125,071,352 94,985,258 c. By Remaining Period Until Maturity Date: 2008 2007 Rupiah: 1 month 81,691,067 64,145,362 3 months 14,266,681 9,060,496 6 months 2,953,132 2,492,026 12 months 4,253,649 1,797,559 Over 12 months 68,740 1,040,321 Total Rupiah 103,233,269 78,535,764 Foreign Currency: 1 month 17,658,707 13,686,387 3 months 2,717,373 1,273,960 6 months 1,139,914 870,950 12 months 320,635 554,821 Over 12 months 1,454 63,376 Total Foreign Currency 21,838,083 16,449,494 125,071,352 94,985,258 d. Included in time deposits are unrestricted mudharabah investments amounting to Rp7,718,558 and Rp5,171,943 as of December 31, 2008 and 2007, respectively. PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years Ended December 31, 2008 and 2007 Expressed in millions of Rupiah, unless otherwise stated 7318. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
e. Average Interest Rates cost of funds and Range of Profit Sharing per Annum: Average interest rates cost of funds per annum: 2008 2007 Rupiah 7.56 7.39 Foreign Currency 3.29 3.71 Range of profit sharing per annum on mudharabah investments: 2008 2007 Rupiah 6.09 -8.54 6.60 - 8.05 Foreign Currency 2.36 -3.28 2.85 - 3.35 f. As of December 31, 2008 and 2007, time deposits from related parties amounted to Rp313,909 and Rp181,309, respectively, or 0.25 and 0.19 of the total time deposits, respectively Note 47a. g. As of December 31, 2008 and 2007, time deposits which are frozen and blocked as collateral for bank guarantees, loans and trade finance facilities amounted to Rp6,632,688 and Rp8,330,382, respectively. As of December 31, 2008 and 2007, there are Mudharabah time deposit pledged for Mudharabah receivables extended by Bank Syariah Mandiri BSM amounting to Rp289,996 and RpNil, respectively. 19. DEPOSITS FROM OTHER BANKS - DEMAND AND SAVINGS DEPOSITS a. By Currency: 2008 2007 Demand Deposits Rupiah 528,490 1,307,562 Foreign Currency 2,388,645 80,538 Total Demand Deposits 2,917,135 1,388,100 Savings Deposits - Rupiah 227,608 248,965 Total Demand and Savings Deposits 3,144,743 1,637,065 Deposits from other banks - demand and savings deposits amounting to Rp3,144,743 is net of the deposits from other banks - demand deposits of a financial institution placed in Bank Mandiri amounting to Rp214 with Bank Mandiri’s deposits in the financial institution with loss classification amounting to Rp242,708 Note 5e. Included in deposits from other banks - demand deposits are wadiah deposits amounting to Rp11,696 and Rp2,512 as of December 31, 2008 and 2007, respectively.Parts
» Recapitalization GENERAL continued b. Merger continued
» Initial Public Offering of the Bank’s Shares
» Quasi-Reorganization GENERAL continued d. Initial Public Offering of the Bank’s Shares continued
» Divestment of Government Share Ownership Structure and Management
» GENERAL continued g. Structure and Management continued
» Principles of Consolidation GENERAL continued g. Structure and Management continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued b. Principles of Consolidation continued
» Foreign Currency Transactions and Balances
» Transactions with Related Parties
» Placements with Bank Indonesia and Other Banks
» Securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued e. Cash and Cash Equivalents
» Government Bonds SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued g. Securities continued
» Other Receivables - Trade Transactions
» Securities PurchasedSold under ResellRepurchase Agreements
» Loans SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued g. Securities continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued l.
» Acceptances Receivable and Payable
» Investments in Shares of Stock
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Deposits from Customers SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued q. Other Assets
» Securities Issued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Income Tax SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Interest Income and Interest Expense
» Fees and Commissions SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Post-Employment Benefits SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Earning Per Share SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH BANK INDONESIA continued CURRENT ACCOUNTS WITH OTHER BANKS
» CURRENT ACCOUNTS WITH OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued SECURITIES
» SECURITIES continued SECURITIES continued
» SECURITIES continued Bank Mandiri Tbk (english)
» SECURITIES continued GOVERNMENT BONDS GOVERNMENT BONDS continued
» GOVERNMENT BONDS continued Bank Mandiri Tbk (english)
» OTHER RECEIVABLES - TRADE TRANSACTIONS continued
» SECURITIES PURCHASED WITH AGREEMENTS TO RESELL
» SECURITIES PURCHASED WITH AGREEMENTS TO RESELL continued
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» LOANS Bank Mandiri Tbk (english)
» LOANS continued LOANS continued
» LOANS continued Bank Mandiri Tbk (english)
» ACCEPTANCES RECEIVABLE Bank Mandiri Tbk (english)
» ACCEPTANCES RECEIVABLE continued INVESTMENTS IN SHARES OF STOCK
» INVESTMENTS IN SHARES OF STOCK continued
» PREMISES AND EQUIPMENT Bank Mandiri Tbk (english)
» PREMISES AND EQUIPMENT continued
» OTHER ASSETS continued DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
» DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS continued DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - DEMAND AND SAVINGS DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS continued
» SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE
» ACCEPTANCES PAYABLE Bank Mandiri Tbk (english)
» ACCEPTANCES PAYABLE continued Bank Mandiri Tbk (english)
» SECURITIES ISSUED continued Bank Mandiri Tbk (english)
» Nil 2007 Bank Mandiri Tbk (english)
» FUND BORROWINGS Bank Mandiri Tbk (english)
» FUND BORROWINGS continued Bank Mandiri Tbk (english)
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES continued
» TAXATION continued e. Deferred Tax Assets
» OTHER LIABILITIES Bank Mandiri Tbk (english)
» OTHER LIABILITIES continued Bank Mandiri Tbk (english)
» SUBORDINATED LOANS continued Bank Mandiri Tbk (english)
» MINORITY INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES
» SHAREHOLDERS’ EQUITY Bank Mandiri Tbk (english)
» SHAREHOLDERS’ EQUITY continued Bank Mandiri Tbk (english)
» MANAGEMENT STOCK OPTION PLAN
» MANAGEMENT STOCK OPTION PLAN continued
» INTEREST INCOME Bank Mandiri Tbk (english)
» OTHER OPERATING INCOME - OTHERS
» PROVISION FOR POSSIBLE LOSSES ON EARNING ASSETS
» REVERSAL OF ALLOWANCE FOR POSSIBLE LOSSES - OTHERS - NET
» GAINSLOSSES FROM INCREASEDECREASE IN VALUE OF SECURITIES AND GOVERNMENT BONDS
» GENERAL AND ADMINISTRATIVE EXPENSES
» SALARIES AND EMPLOYEE BENEFITS
» SALARIES AND EMPLOYEE BENEFITS continued 2007 PENSION AND SEVERANCE
» PENSION AND SEVERANCE continued PENSION AND SEVERANCE continued
» PENSION AND SEVERANCE continued
» COMMITMENTS AND CONTINGENCIES Bank Mandiri Tbk (english)
» FOREIGN CURRENCY TRANSACTIONS continued RELATED PARTY TRANSACTIONS
» RELATED PARTY TRANSACTIONS continued
» RELATED PARTY TRANSACTIONS continued MATURITY PROFILE
» MATURITY PROFILE continued Bank Mandiri Tbk (english)
» MATURITY PROFILE continued SEGMENT INFORMATION
» SEGMENT INFORMATION continued Bank Mandiri Tbk (english)
» CAPITAL ADEQUACY RATIO Bank Mandiri Tbk (english)
» CAPITAL ADEQUACY RATIO continued
» NET OPEN POSITION Bank Mandiri Tbk (english)
» CUSTODIAL AND TRUST OPERATIONS continued
» CHANNELING LOANS Bank Mandiri Tbk (english)
» CHANNELING LOANS continued Bank Mandiri Tbk (english)
» RISK MANAGEMENT continued Bank Mandiri Tbk (english)
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
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