network Expansion Subiantoro Investor Relations

COMMERCIAL BUSINESS BANKING As a reward, due to its signiicant performance in 2012, Bank Mandiri has received several awards in wholesale transaction and sMe from external institutions, such as: The Asset Triple A Transaction Banking Awards 2012 for the category Best sMe Bank – indonesia, The Asian Banker Transaction Banking Awards 2012 for the category Best cash Management Bank in indonesia, Trade Finance Magazine london for the category Best indonesia Trade Bank, Best Trade Finance Bank in indonesia from corporate Treasurer Magazine, and Best cash Management Bank from Alpha seA. 2013 Strategy and Work Plan Following the capacity Building stage, commercial Business Banking cBB Directorate will enter 2013 with next phase of Proitability Building. The Directorate will initiate a market-facing and wholesale transaction banking development in this phase. To that end, cBB Directorate has established 5 ive main strategies;

1. disciplined selling Process implementation

cBB Directorate is expected to continue to aggressively grow its assets in 2013. lending growth is set to exceed 20 with good quality lending, followed by good balance in Wholesale Transaction with stable and low risk of low cost Funds and FBi growth. A disciplined selling process is implemented in order to reach this growth, begins at the customer selection mechanism or customer targeting, up to closing sale Booking. The target was introduced in hierarchy to team level and then to individual levelRelationship Manager. Further, the limit level provision to booking process will be monitored regularly by the application of pipeline management tools.

2. Low Cost FundsCasa improvement Program

Banking lDR in 2013 is forecasted to increase by over 85, creating tough competition in generating third party funds. Further, high growth in assets requires funding support speciically low cost funds. cBB Directorate has set several programs to improve low cost fundscAsA in 2013, as follows: a. cAsA improvement Program on industrial speciic Based b. cAsA improvement Program from Anchor client and its value chain c. Funding improvement Program on customer operating Account

3. Products, services, and Process innovation

To enhance customer service, cBB Directorate implements products, services and process innovation. The wholesale transaction banking product innovation in 2013 will be focusing on product added value. Towards that end, the product solutions will be grouped based on “beneits” toward customers. The process and services improvement innovation in 2013 will be conducted through the following: i Bank guarantee issuance process, ii business banking lending process improvement, iii optimizing the lending accounts in Business Banking through ratio improvement between RM and ARM. Business oveRvieW AnD conDiTion PT Bank Mandiri Persero Tbk.

4. organization Capacity development

CBB Directorate continues its efort to enhance organization capacity through network intensiication and extension. The network extension is focused more on the Business Banking segment to widen potential areas that are not yet covered within the existing network of Business Banking.

5. Employees and Leadership

development The recruitment of human resource HR for cBB Directorate was developed by recruiting the candidates with understanding on the market and characteristic of the areas and by considering wider operations of cBB business. To that end, the recruitment was prioritized from local areas and is adjusted with the requirement proiles of each area. A disciplined and implementation of sustainable work programs and strategic initiatives by all elements in cBB Directorate is required to achieve the set targets. 2013 will be a challenging year, though cBB Directorate will embark 2013 with optimism through the spirit of “collaboration, innovation, Building the country, Building indonesia;” supported by the values of Bank Mandiri Trust, integrity, Professionalism, customer Focus and excellence as well as consistent implementation of good corporate governance.