42.5 57.0 57.3 39.0 55.4 54.6 56.6 51.4 92.1 92.5 93.1 94.4 72.6 68.7 76.7 87.0 30.4 33.4 23.2 22.6 25.6 33.0 33.3 40.4 44.1 1.6 3.1 3.7 6.5 8.5 9.5 11.5 42.3 40.6 41.8 39.5 42.9 44.0 40.2 43.7 4.2 1.5 Mandiri - Investor Relations - Corporate Presentation

164.0 172.6 182.9 176.9 173.9 170.3 153.8 153.5

44.6 41.2

43.0 44.5

49.2 42.5

48.3 48.3

50.4 57.0

65.4

60.5 57.3

44.6 39.0

36.1 38.6

54.0 47.1

50.6 55.4

50.2 54.6

60.7 56.6

60.2 51.4

64.5 92.1

92.3 92.5

93.2 93.1

153.8 153.9 155.5 148.8 152.7 94.0 102.3 107.3 122.9 131.4 137.0 106.9 106.7 104.0

99.6 94.4

42.3 72.6

66.8 68.7

75.9 76.7

82.3 87.0

40.3 30.4

46.6 33.4

18.3 23.2

25.7 20 40 60 80 100 120 140 160 180 200 220 240 260 280 Q1 00 Q2 00 Q3 00 Q4 00 Q1 01 Q2 01 Q3 01 Q4 01 Q1 02 Q2 02 Q3 02 Q4 02 Q1 03 Q2 03 Q3 03 Q4 03 Q1 04 Q2 04 Q3 04 Q4 04 Q1 05 Q2 05 Q3 05 Q4 05 G o vernm ent B o nds Loans O ther A sset s

46. 2

40. 9

38. 2

41. 4

40. 7

45. 6

47. 4

60. 6

74. 1

68. 2

67. 8

63. 6

75. 4

74. 7

74. 9

50. 48.

50. 6

50. 5

42. 3

34. 1

29. 9

22. 1

19. 3

19.

18. 1

19.

19. 8

In t. fro m B o n d s In t. f rom Loan s Total assets grew by 6.1 Y-o-Y – C onsolidated Total Assets Rp tn 6

44. 6

41. 2

42. 3

43. 44.

5 49. 2 42. 5 48. 3 48. 3 50. 4 58. 7 65. 4 68. 7 66. 8 72. 6 75. 9 76. 7 82. 3 87.

94. 4

99. 6

106. 7

106. 9

104. 27.5 36.1 51.8 26.3 25.3 28.3 26.5 35.4 56.8 53.7 42.5 47.9 Q 1 00 Q 3 00 Q1 1 Q3 1 Q1 2 Q 3 02 Q 1 03 Q3 3 Q1 4 Q3 4 Q1 5 Q3 5 Loans Rp tn LDR

22.9 22.6 25.6

31.4 33.0 33.3

37.7 40.4

42.4 44.1

1.4 1.6 3.1 3.7

5.1 6.5 8.5 9.5

10.8 11.5

45.1 42.3

38.9 40.6

42.7 41.8

38.2 39.5

41.5 42.9 44.0

44.7 40.2

30.1 43.7

22.2 4.2

11.3 1.5

Q4 2 Q1 3 Q2 3 Q3 3 Q4 3 Q1 4 Q2 4 Q3 4 Q4 4 Q1 5 Q2 5 Q3 5 Q4 5 Loan growth was restrained across all segments Quarterly Loan Data – Consolidated 11.5 36.6 11.55 Consumer 100 13.3 100.33 Total 43.9 16.7 44.05 Commercial 44.6 5.6 44.73 Corporate of Portfolio Loans Rp tn By Segment Bank only Y-O-Y Growth Quarterly Loan Segment Details – Bank Only Corporate Commercial Consumer As of December 2005; Non-consolidated numbers Note: Includes IBRA loan purchases of Rp 5 tr 0.2 13.2 QoQ Growth YoY Growth 7 283 411 655 199 328 540 1, 80 2

1, 86

1, 90

2

1, 91

2

1, 91

8

1, 93

2

1, 93

8

1, 93

823 815 786 934 428 494 594 479 510 816 727 653 688 888

3, 05

2, 88

5

2, 591

1, 99

6

1, 011

1, 52

2 152 4, 131 4, 21 7

4, 22

3

3, 56

7

2, 85

2

1, 05

8

1, 93

9

1, 921

1, 49

3

1, 36

7

1, 35

4 1, 25 7

1, 20

6

1, 27

1, 13

6 2,000 4,000 6,000 8,000 10,000 12,000 Q3 3 Q4 3 Q1 4 Q2 4 Q3 4 Q4 4 Q1 5 Q2 5 Q3 5 Q4 5 Other Cash Collateral Loans Credit Cards Payroll Loans Home Equity Loans Mortgages Consumer lending growth slows on tighter credit criteria 29.04 8.80 Cash Collateral Loans 1.02 7.65 Credit Cards -0.41 0.50 Payroll Loans -2.04 44.84 Home Equity Loans 5.72 100.44 Mortgages Growth Q-o-Q Y-o-Y 36.59 148.08 6.85 Other Total Consumer Loan Type 2.63 Auto Motorcycle Loans channeled or executed through finance companies = Rp 3.48 tn in our Commercial Loan Portfolio Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type 8 Sales of Rp2.54 trillion from the Recap Bond Portfolio in 2005 Portfolio Sales as of December 2005 Rp bn

92.1 61.1