OTHER ASSETS Continued 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 - 67 -

19. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS

a. By Currency: 2002 2001 Rupiah 100,757,884 106,242,554 Foreign currency 20,771,207 23,540,080 121,529,091 129,782,634 b. By Period: 2002 2001 Rupiah: 1 month 50,901,724 58,317,026 3 months 25,766,125 28,120,784 6 months 3,717,707 4,484,145 12 months 8,499,995 2,888,886 Over 12 months 11,872,333 12,431,713 100,757,884 106,242,554 Foreign currency: 1 month 17,408,087 19,094,729 3 months 1,889,850 2,302,405 6 months 945,777 1,417,980 12 months 514,429 689,033 Over 12 months 13,064 35,933 20,771,207 23,540,080 121,529,091 129,782,634 c. By Maturity: 2002 2001 Rupiah: 1 month 56,613,489 61,575,237 3 months 24,211,293 27,050,967 6 months 5,994,421 3,168,154 12 months 7,924,976 1,991,961 Over 12 months 6,013,705 12,456,235 100,757,884 106,242,554 Foreign currency: 1 month 17,230,664 18,728,913 3 months 2,655,118 3,565,629 6 months 599,724 808,908 12 months 277,750 415,335 Over 12 months 7,951 21,295 20,771,207 23,540,080 121,529,091 129,782,634 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.