DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued DEPOSITS FROM OTHER BANKS - DEMAND DEPOSITS

PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2003, April 30, 2003 and December 31, 2002 Expressed in millions of Rupiah, unless otherwise stated 85

20. DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY continued

b. By Maturity continued: December 31, April 30, December 31, 2003 2003 2002 Foreign Currency: Less than 1 month 176,925 995,947 276,555 1 - 2 months - - - 2 - 3 months - - - 176,925 995,947 276,555 1,022,441 1,574,947 796,555 c. Average Interest Rates Per Annum: December 31, April 30, December 31, 2003 2003 2002 Rupiah 6.50 9.45 11.67 Foreign Currency 1.20 1.22 1.21 d. As of December 31, 2003, April 30, 2003 and December 31, 2002, the Bank has no inter-bank call money from related party banks. 21. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS AND CERTIFICATES OF DEPOSIT Time Deposits a. By Currency: December 31, April 30, December 31, 2003 2003 2002 Rupiah 9,632,884 11,827,721 11,296,352 Foreign Currency 409,331 102,740 206,325 10,042,215 11,930,461 11,502,677 b. By Period: December 31, April 30, December 31, 2003 2003 2002 Rupiah: Less than 1 month 7,808,888 10,379,432 9,678,158 3 months 1,637,476 1,250,789 1,615,594 6 months 88,178 192,975 450 12 months 81,458 4,525 2,150 Over 12 months 16,884 - - 9,632,884 11,827,721 11,296,352 PT BANK MANDIRI PERSERO TBK. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS December 31, 2003, April 30, 2003 and December 31, 2002 Expressed in millions of Rupiah, unless otherwise stated 86

21. DEPOSITS FROM OTHER BANKS - TIME DEPOSITS AND CERTIFICATES OF DEPOSIT continued

b. By Period continued: December 31, April 30, December 31, 2003 2003 2002 Foreign Currency: Less than 1 month 179,757 53,345 67,438 3 months 27,695 17,351 110,079 6 months 144,589 32,044 28,808 12 months 57,290 - - Over 12 months - - - 409,331 102,740 206,325 10,042,215 11,930,461 11,502,677 Included in deposits from other banks - time deposits are unrestricted investments - mudharabah time deposits amounting to Rp38,223, Rp9,670 and Rp2,150 as of December 31, 2003, April 30, 2003 and December 31, 2002, respectively. c. Average Interest Rates and Range of Profit Sharing Per Annum: Average interest rates per annum : December 31, April 30, December 31, 2003 2003 2002 Rupiah 12.41 11.68 14.64 Foreign Currency - 2.41 3.24 Range of profit sharing per Annum: December 31, April 30, December 31, 2003 2003 2002 Rupiah 11.69-13.12 10.18-13.12 11.21-14.33 Foreign Currency - 2.80-4.01 3.29-4.38 Certificates of Deposit The annual average interest rate for certificates of deposit is Nil, Nil and 14.64 for the eight-month period ended December 31, 2003, the four-month period ended April 30, 2003 and the year ended December 31, 2002, respectively. The terms are as follows: December 31, April 30, December 31, 2003 2003 2002 Rupiah: 1 month - - 30 3 months - - - 6 months - - - 12 months - - - Total - - 30 Less: Unamortized interest - - - - - 30