Bank Mandiri vs National Banking Asset Growth Bank Mandiri Bank Mandiri vs National Banking DPK Growth Bank Mandiri Bank Mandiri vs National Bank Loan Growth Bank Mandiri Bank Mandiri vs National Banking CAR Value Bank Mandiri Bank Mandiri vs National Ban

03 Company at a Glance 04 Management Discussion and Analysis on Companys Performance 05 Review of Business Support Function 01 Main Highlights 02 Management Report Bank Mandiri Role in National Banking In facing macroeconomic changes and national banking industry, Bank mandiri conduct anticipative effort to ensure a healthy and sustainable Bank growth through the following methods: 1. Conducting NPL workshop to maintain asset quality. 2. Proactively handling debtor which has listed in watch list category. 3. Loan restructure for debtor in difficulty. 4. Being selective in disbursing loan by following the target growth according to business plan, debtor quality and business sector condition. 5. Controlling fund through budget priority according to business needs. Following are Bank Mandiri performance towards national banking industry:

a. Bank Mandiri vs National Banking Asset Growth Bank Mandiri

Bank Mandiri asset recorded at Rp1,038.71 trillion at the end of 2016, an increase by 14.14 compared to 2015 which was Rp910.06 trillion which was influenced by the total Loan disbursement. National Banking National banking asset growth by 10.40 to be Rp6,729.80 trillion as of December 2016 from the position at Rp6,095.91 trillion in December 2015. Source: OJK

b. Bank Mandiri vs National Banking DPK Growth Bank Mandiri

Bank Mandiri DPK at the end of 2016 increased by 12.73 to be Rp762.50 trillion compared to the previous year at Rp676.39 trillion. National Banking At the end of December 2016, Third Party Fund of national banking collected at Rp4,836.76 trillion, increased by 9.60 compared to 2015 which was Rp4,413.06 trillion. Source: OJK

c. Bank Mandiri vs National Bank Loan Growth Bank Mandiri

Loan given by National bank increased by 11.2 to Rp662.01 trillion from the previous year of Rp595.46 trillion the increase was due to credit given to retail segment, mainly to customer loan and micro banking segments. National Banking National Loan given grew by 7.87 from Rp4,057.90 trillion as of December 2015 from the position at Rp4,377.20 trillion in December 2016. Source: OJK

d. Bank Mandiri vs National Banking CAR Value Bank Mandiri

Capital Adequacy Ratio CAR – Loan Risk, Market and Operational Bank Mandiri at the end of December 2016 was at 21.36 compared to the previous year at 17.99. National Banking Capital Adequacy Ratio CAR national banking increased 7.2 from 21.39 as of December 2015 to 22.93 as of December 2016. Source: OJK

e. Bank Mandiri vs National Banking ROA Value Bank Mandiri

Return of Asset ROA ratio Bank Mandiri as of December 2016 was 1.95 decreased compared to 2015 at 3.15. National Banking Return of Asset ROA ratio for national banking decreased at the level of 3.88 from 2.32 as of December 2015 to 2.23 as of December 2016. Source: OJK

f. Bank Mandiri vs National Bank Operational Cost to Operational Income BOPO Value