Net Interest Income Premium Income 2.8 Profit from Operations GA Expenses

11 Summary PL Rp Bn 3Q 2015 2Q 2015 3Q 2014 9M 2015 9M 2014 9M Y-o-Y Y-o-Y Q-o-Q Interest Income 18,066 17,454 15,984 52,637 45,275 16.3 13.0 3.5 Interest Expense 6,814 6,518 6,303 20,185 16,970 18.9 8.1 4.5 Net Interest Income 11,252 10,936 9,681 32,452 28,306

14.6 16.2

2.9 Net Premium Income 886 875 724 2,441 1,984

23.0 22.3

1.2 Net Interest Income Premium Income

12,138 11,811 10,405 34,893 30,289 15.2

16.6 2.8

Other Non Interest Income Other Fees and Commissions 2,546 2,677 2,255 7,572 6,598 14.8 12.9 4.9 Foreign Exchange Gains - Net 533 473 404 1,394 1,188 17.4 32.1 12.7 Gain fr. sale Incr. in Val Sale of Bonds 134 17 71 80 270 70.5 NA NA Others 2,182 1,018 889 4,111 2,836 44.9 145.5 114.3 Total Non Interest Income 5,127 4,152 3,620 13,157 10,892

20.8 41.7

23.5 Total Operating Income 17,265 15,963 14,025 48,050 41,182 16.7 23.1 8.2 Provisions, Net 4,495 2,446 909 8,491 3,750 126.4 394.4 83.7 Personnel Expenses 2,903 3,109 2,752 8,933 8,041 11.1 5.5 6.6 GA Expenses 3,322 3,173 2,958 9,070 7,961 13.9 12.3 4.7 Loss from decr. in value of Sec Gov Bonds - - - - - - - - Other Expenses 744 941 986 2,673 2,458 8.7 24.5 20.9 Total Expense 6,970 7,223 6,697 20,675 18,460

12.0 4.1

3.5 Profit from Operations

5,800 6,293 6,419 18,884 18,971 0.5

9.6 7.8

Non Operating Income 5 15 7 20 65.0 67.2 - Net Income Before Tax 5,805 6,293 6,434 18,891 18,992 0.5 9.8 7.7 Net Income After Tax 4,658 4,786 4,868 14,583 14,454

0.9 4.3

2.7 78 .8 79.7 82 .0 82 .7 82 .9 88 .7 92 .8 93 .6 92 .5 103 .1 110 .4 111 .7 118 .6 125 .2 129. 3 131. 7 129 .9 151. 9 153 .5 169 .7 166 .7 166 .3 176 .8 178 .2 175 .1 181 .4 185 .8 42 .6 43 .6 45 .3 50.6 50.4 54 .2 5 8 .6 64 .7 64 .5 70 .7 75 .3 81 .1 82 .9 90 .1 93 .6 103 .0 102 .3 104 .4 118 .2 117. 1 116. 5 123 .9 127. 9 139 .1 145 .2 149 .1 149 .5 14.4 15.816.6 17.418.0 19.7 20.7 22.824.5 25.9 27.7 30.3 30.9 33.2 35.138.5 38.5 42.5 44.1 46.5 46.3 49.0 52.0 57.3 55.3 57.9 57.9 4.64.8 5.15.4 5.6 6.0 6.5 7.37.7 8.5 9.5 11.8 13.1 15.1 16.8 19.0 20.7 23.9 24.9 27.0 28.2 31.0 32.7 36.0 37.2 39.7 40.0 19.7 20.621.7 23.624.8 26.7 28.6 30.732.4 34.3 36.3 39.0 40.7 43.3 44.5 47.749.3 52.4 55.2 56.6 57.4 60.3 62.4 64.765.7 67.7 69.5 1 Q 09 2 Q 09 3 Q 09 4 Q 09 1 Q 10 2 Q 10 3 Q 10 4Q10 1Q11 2 Q 11 3Q11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2 Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4Q14 1Q15 2 Q 15 3Q15 Corporate Commercial Small Micro Consumer Quarterly Loan Segment Details Bank Only Y-o-Y  11.3 22.3 11.3 16.9 5.1 11.3 Total 13.8 8.0 11.5 29.7 37.0 Break down As of September 2015; Non-consolidated numbers 12 175 .2 181 .6 188 .3 198 .5 201 .9 218 .0 231 .9 246 .2 251.8 276 .7 297.5 314.4 327 .2 350 .4 365 .2 388 .8 391 .6 428 .7 450 .8 472 .4 470 .4 485 .8 506 .5 530 .0 532.8 552 .8 560.6 63.2 62.2 62.8 61.4 64.1 66.3 71.7 67.6 70.2 75.9 78.7 74.1 80.7 83.4 84.4 83.585.0 87.3 84.5 88.0 87.0 82.9 84.4 84.1 85.3 1 Q 09 2 Q 09 3 Q 09 4 Q 09 1Q 10 2 Q 10 3Q 10 4Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2 Q 13 3 Q 13 4 Q 13 1Q 14 2 Q 14 3Q 14 4Q 14 1 Q 15 2 Q 15 3 Q 15 Loans Rp Tn LDR 1.4 3.73.7 5.5 1.7 7.96.4 6.2 2.3 9.9 7.5 5.7 4.17.1 4.2 6.5 0.7 9.5 5.1 4.8 -0.4 3.3 4.2 4.6 0.5 3.7 1.4 30.5 21.4 15.7 13.8 15.3 20.0 23.2 24.0 24.7 26.9 28.3 27.7 30.0 26.6 22.8 23.7 19.7 22.3 23.4 21.5 13.3 12.4 12.2 13.3 13.8 10.7 1Q 09 2 Q 09 3 Q 09 4 Q 09 1 Q 10 2 Q 10 3 Q 10 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2Q 12 3 Q 12 4Q 12 1Q 13 2 Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3 Q 15 QoQ Growth YoY Growth Quarterly Loan Data Consolidated 34 .56 35 .24 37 .83 36 .49 35 .64 3 1 .15 29 .19 2 9 .75 3 .62 33 .96 35 .68 38 .86 38 .60 41 .87 44 .44 40 .35 41 .88 45 .47 45 .73 49 .62 48 .17 5 3 .29 59 .79 6 7 .75 62 .22 62 .95 72 .24 75 .38 73 .52 76 .90 78 .52 104.5 95.9 111.0 80.5 78.3 68.5 61.9 68.2 71.7 76.3 80.7 86.6 82.9 91.5 89.0 75.8 76.0 76.2 75.4 76.4 68.0 65.1 64.3 69.0 72.0 71.3 74.2 73.2 66.8 61.1 61.0 50 60 70 80 90 100 110 120 M ar 08 Jun e 08 Se p 08 D e c 08 M ar 09 Jun e 09 S e p 09 D e c 09 M ar 10 Jun e 10 S e p 10 D e c 10 M ar 11 Jun e 11 S e p 11 D e c 11 M ar 12 Jun 12 S e p 12 D e c 12 M ar 13 Jun 13 S e p 13 D e c 13 M ar 14 Jun e 14 S e p 14 D e c 14 M ar 15 Jun 15 S e p 15 20 30 40 50 60 70 80 90 Loan Fx LDR FX USD Bn Rp Tn Breakdown of FX lending Bank-Only 3 Q 15 Total USD 5.360 Bn 0.01 0.04 0.07 0.29 0.34 0.43 0.54 0.58 0.71 0.85 1.51 Soc Serv Utilities Constr Agri Trans Trading Bus Serv Mining Oth Oil Gas Mfg  YoY 9 -37 14 53 -27 -5 -26 -33 -81 151 FX Loans LDR Bank-Only 13 14 495.77 73.01 30.82 33.54 7.45 7.55 1.72 502.78 2Q15 Disburs. Install. Payment Pay-off FX Impact Write- Offs 3Q 15 Loan Movement – 3Q 2015 Bank-Only Rp Tn Loan Disbursement by Segment – 3Q 2015 Bank-Only Rp Tn 39.31 17.31 6.31 5.48 4.60 73.01 Corporate Commercial Small Micro Consumer Total 42 .6 58 .1 72 .5 91 .9 108 .9 115 .9 112 .2 134 .0 172 .9 195.8 242.4 352 .5 400.2 491 .3 514 .9 578 .4 13 .3 15 .4 17 .0 25 .5 27 .5 27 .4 28 .4 28 .3 27 .2 30.5 35.7 53 .3 62.0 73 .9 85 .7 103 .0 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 RWA Rp Tn Total Capital Rp Tn 15 308 1,168 1,549 1,744 519 510 1,027 1,390 1,400 2,003 2,681 3,403 4,303 4,925 5,138 1,300 602 690 1,329 97 305 1,113 1,221 1,526 2,031 2,543 3,744 3,991 4,660 4,786 967 1,017 1,528 1,408 610 372 1,040 1,345 1,693 2,352 2,850 3,972 4,509 4,869 4,658 645 799 819 775 -623 1,234 1,166 1,390 2,536 2,833 3,073 4,385 5,401 5,418 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Q4 PAT Q3 PAT Q2 PAT Q1 PAT Rp Bn Bank Only - Capital RWA Movement Profit After Tax ROE 21.5 26.2 23.6 22.8 2.5 10.0 15.8 18.1 22.1 24.2 22.0 22.6 22.2 21.0 17.9 RoE - AT • CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010 1.1Tn from GIAA Recovery 1,099 31.3 26.4 23.4 27.7 25.3 23.2 24.6 20.8 15.7 15.4 13.4 15.3 15.5 14.9 16.6 17.8 CAR 16 4 .3 3.6 4 .9 4 .7 5 .4 5 .3 5.1 5.2 6 .0 5 .8 5 .1 5 .4 5 .2 5 .4 5 .2 5 .5 5 .8 5.7 5 .5 5 .3 5 .7 6 .1 5.9 5.9 5 .8 5 .9 5 .4 5 .8 5 .7 4 Q 04 4 Q 05 4 Q 06 4 Q 07 4Q 08 4 Q 09 1 Q 10 2 Q 10 3 Q 10 4Q 10 1Q 11 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2 Q 13 3Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4Q14 1Q15 2 Q 15 3 Q 15 NIM 8.9 10.7 11.0 9.0 10.5 9.4 8.9 9.1 9.8 9.6 8.7 9.0 8.7 8.7 8.2 8.1 8.4 8.2 8.1 7.8 8.3 9.0 9.1 9.2 9.6 9.6 9.1 9.2 9.2 4.8 7.3 6.4 4.5 5.3 4.3 4.0 4.0 3.9 3.8 3.8 3.8 3.7 3.4 3.2 2.8 2.7 2.7 2.8 2.6 2.8 3.1 3.5

3.9 3.8

3.9 3.6 3.7 Yield on Assets Cost of Funds 6.75 6.41 5.15 5.23 4.95 7.24 5.13 4.90 4.69 5.33 4.80 5.4 5.04 4.90 4.84 4.50 4.53 5.13 4.40 4.51 4.47 6.61 4.22 4.33 4.38 3.03 1.47 0.83 0.71 0.75 0.70 0.48 0.30 0.51 0.63 0.60 0.6 0.72 0.73 0.74 0.59 0.64 0.67 0.81 0.73 0.74 0.87 1.06 0.79 0.72 5 4Q 08 4 Q 09 1 Q 10 2 Q 10 3 Q 10 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1Q12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2Q13 3Q13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3 Q 15 13.16 12.19 13.09 12.70 12.50 11.75 12.05 11.89 12.49 11.4 11.6 11.8 11.3 11.2 10.8 11.1 11.8 11.8 12.0 12.4 12.2 12.1 12.2 12.2 10.26 6.73 6.84 6.24 7.32 6.55 6.46 5.94 4.85 3.9 4.0 3.39 3.85 4.715.28 5.85 5.7 6.0 6.4 6.4 6.7 5.8 4.7 4.4 4.3 4.2 4.1 4.3 4.2 3.9 3.7 3.0 3.1 3.0 3.7 3.9 4.6 4.4 4.5 4.3 4.3 5 10 15 20 Avg Loan Yield Avg Bond Yield Avg COF Starting on 4Q2014, we backout the LPS premium from the interest expense 17 Non-Loan Related Fees Commissions 3Q-2015 2Q-2015 3Q-2014 Y-o-Y Q-o-Q Δ Δ Administration Fees 805 799 696 15.7 0.8 Opening LC, BG Cap Market custodian trustee 272 278 225 20.8 2.1 Subsidiaries 292 371 387 24.4 21.3 Transfer, Retail Transaction 480 471 368 30.4 2.0 Credit Cards

386 401

374 3.0 3.8 Mutual Fund, ORI Bancassurance 85 101 86 0.4 15.4 Syndications 34 93 33 n.a n.a Payroll Package 21 19 21 1.8 11.8 Others 171 146 66 158.2 17.4 Total 2,546 2,677 2,255 12.9 4.9 Foreign Exchange Gains 533 473 404 31.9 12.7 Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 134 17 71 n.a n.a Cash Recoveries 731 614 549 33.0 19.0 Other Income 1,451 404 340 327.3 259.0 Total Fee Based Income As Reported 5,127 4,152 3,620 41.6 23.5 of Non Loan Related fees to total opr. income 29.7

26.0 25.8

18 827 1 ,004 1 ,110 1,384 1 ,051 1 ,265 1 ,459 1 ,682 1 ,524 1 ,510 1,883 2 ,107 1 ,614 2 ,004 2 ,071 2,565 2 ,034 2 ,322 2 ,375 3,167 2 ,309 2 ,693 2 ,958 3 ,488 2 ,574 3 ,173 3,322 1 ,116 1 ,390 1 ,019 1 ,328 1,306 1 ,375 1 ,485 1 ,612 1,547 1 ,631 1 ,671 1 ,903 1 ,865 1 ,939 1 ,869 2,372 2 ,042 2 ,336 2 ,679 2 ,374 2,626 2 ,662 2 ,752 2 ,807 2,920 3 ,109 2 ,903 1 Q 09 2 Q 09 3 Q 09 4 Q 09 1Q10 2 Q 10 3 Q 10 4 Q 10 1 Q 11 2Q11 3 Q 11 4 Q 11 1 Q 12 2Q12 3 Q 12 4 Q 12 1 Q 13 2 Q 13 3 Q 13 4 Q 13 1Q14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2Q 15 3 Q 15 GA Expenses Personnel Expenses Breakdown of 3Q 2015 Operating Expenses Quarterly Consolidated Operating Expenses CIR Rp Bn Rp Bn 35.1 42.8 39.3 43.2 39.0 38.4 38.1 45.1 32.4 37.3 39.0 41.6 44.0 43.2 42.7 51.3 41.1 43.1 42.5 48.4 41.8 43.2 46.6 44.4 45.2 40.1 CIR 3Q 2015 3Q 2014 9M 2015 9M 2014 Growth QoQ 9M YoY YoY Personnel Expenses Base Salary 795 680 2,350 2,050 0.1 14.7 16.9 Other Allowances 1,434 1,351 4,322 3,890 3.4 11.1 6.1 Post Empl. Benefits 100 65 284 226 7.4 25.5 54.0 Training 99 99 198 243 52.7 18.5 0.0 Subsidiaries 476 557 1,779 1,633 29.1 9.0 14.6 Total Personnel Expenses 2,903 2,752 8,933 8,041 6.6 11.1

5.5 GA Expenses

IT telecoms 489 369 1,332 1,064 8.4 25.2 32.6 Occupancy Related 696 604 1,921 1,624 6.0 18.3 15.4 Promo Sponsor 300 322 723 743 16.0 2.8 6.9 Transport Travel 157 155 450 447 8.4 0.8 1.1 Goods, Prof. Svcs. Oth. 458 422 1,083 1,083 33.1 0.0 8.7 Employee Related 512 480 1,497 1,320 4.5 13.4 6.8 Subsidiaries 710 608 2,064 1,680 5.9 22.9 16.8 Total GA Expenses 3,322 2,958 9,070 7,961 4.7 13.9 12.3 Other Expenses 744 986 2,673 2,458 20.9 8.7 24.5 Total Operating Expenses 6,970 6,697 20,675 18,460 3.5 12.0 4.1 Top 10 Segments in Corporate Lending Expansion 3Q 5 – 3Q 4 Total Rp9.08 Tn Rp Bn 491 557 766 987 1,051 1,154 1,671 2,780 2,817 8,654 Trad-HR Constr Mining-Coal Trad-Exp Mining-Metal Ore Mfg-Chem Plantations Mfg-FB Mfg-RawM Bus Serv  49.3 249.5 16.0 5.0 10.3 29.6 124.8 56.0 5.1 65.3 Rp Bn Top 10 Segments in Commercial Lending Expansion 3Q 15 – 3Q 14 Total Rp21.60 Tn 1,124 1,274 1,275 1,368 1,485 1,527 1,669 2,180 2,622 2,697 2,910 Mfg-FB Mining-Coal Mining-Oil Gas Bus Serv Mfg-Oth Trad-Imp Mfg-Text Mfg-RawM Mfg-Chem Plantations Trad-Distr  13.5 12.5 12.1 10.1 7.7 7.1 6.9 6.3 5.9 5.9 5.2 13.5 19 Whol esal e Transacti ons Dri vi n g CASA Whol esal e CAS A Deposi ts 58,055 62,257 61,691 53,604 74,116 89,959 74,334 73,192 80,868 141,540 10 ,000 10 ,000 30 ,000 50, 000 70 ,000 90 ,000 110, 000 130 ,000 150 ,000 2007 2008 2009 2010 2011 2012 2013 2014 3Q14 3Q15 To tal CAS A Rp B n 75 .0 Yo Y Gr o w th 745 2,414 4,066 6,153 7,784 10,943 11,899 12,932 13,629 13,873 14,105 14,397 14,676 2006 2007 2008 2009 2010 2011 2012 2013 3Q14 4Q14 1Q15 2Q15 3Q15 Ca sh Ma na g em en t Use rs 248 677 1,178 2,201 2,657 3,598 3,989 4,484 4,832 5,123 4Q10 4Q11 4Q12 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 A ver age of Ca sh Ma na g em en t 000 , t ot al 15 .8 Mn tr an sact ion s in 3 Q 2015 E xc lud ing M an di ri T ran sa ct io n S yst e m 21 Forex 34 42 63 61 56 44 30 281,153 310,512 322,795 399,500 379,730 250,183 263,681 - 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 - 10.0 20.0 30.0 40.0 50.0 60.0 70.0 Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Sep 14 Sep 15 Value USD Bn of Trx Wholesale Remittance 70 94 121 135 146 108 98 435,866 448,219 599,909 651,241 739,046 547,317 579,147 - 100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000 - 20.0 40.0 60.0 80.0 100.0 120.0 140.0 160.0 Dec 10 Dec 11 Dec 12 Dec 13 Dec-14 Sep 14 Sep 15 Value USD Mn of Trx Mandiri Cash Management 549 818 1 ,5 1 9 2 ,231 3 ,120 2 ,196 3 ,023 2,503 7,668 13,676 24,543 44,184 30,732 45,446 25,000 15,000 5,000 5,000 15,000 25,000 35,000 45,000 - 500.0 1,000.0 1,500.0 2,000.0 2,500.0 3,000.0 3,500.0 Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Sep 14 Sep 15 Value Rp Tn of Trx 000 Trade Transactions : Export, Import, Domestic Excluding Mandiri Transaction System 85 110 125 133 137 101 97 495,813 510,916 517,251 520,948 509,207 368,177 349,567 - 100,000 200,000 300,000 400,000 500,000 600,000 - 20.0 40.0 60.0 80.0 100.0 120.0 140.0 160.0 Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Sep 14 Sep 15 Value USD Bn of Trx 22 74 .6 78 .8 74 .4 80 .4 75 .9 81 .3 86 .3 95 .5 88.2 93 .4 98 .5 109.6 107 .3 112 .7 120 .4 134.0 132 .7 140 .6 146 .1 165 .0 157 .5 166 .8 176 .3 190 .9 179.0 180 .8 184 .7 202.6 182 .5 186 .0 188 .0 5.1 6.2 5.1 6.1 6.8 6.9 7.4 8.1 9.3 10.211.0 11.011.711.9 11.5 11.312.7 12.8 13.0 13.7 14.7 15.6 18.4 20.7 21.0 22.021.8 24.0 22.223.2 24.3 4.4 5.1 5.3 6.8 5.6 6.1 8.0 9.4 8.2 8.8 9.1 11.110.511.9 12.2 15.714.6 15.4 16.1 18.6 17.0 16.7 28.6 33.0 29.7 33.634.4 40.2 33.5 36.425.0 1.41.4 1.8 1.7 2.3 2.5 2.4 2.7 2.7 2.7 3.3 3.2 3.5 3.5 4.1 4.2 4.3 4.3 10.7 11.4 12.1 11.9 13.1

13.0 12.8

14.4 7.8 44.442.050.6 63.462.965.1 68.7 68.571.870.6 68.7 70.569.068.6 70.8 73.171.6 70.3 71.5 71.4 72.1 70.7 80.2 84.5 88.4 100.1 108.3 120.0 119.2 116.0 110.0 5.0 5.1 5.4 7.7 7.4 7.4 7.5 6.8 6.0 5.7 5.8 5.8 5.3 5.2 5.2 5.3 5.0 5.0 5.1 5.0 4.7 4.6 6.4 7.0 6.3 7.0 7.2 9.5 9.0 7.8 7.7 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 1 Q 08 2 Q 08 3Q 08 4 Q 08 1 Q 09 2 Q 09 3 Q 09 4 Q 09 1 Q 10 2 Q 10 3 Q 10 4Q 10 1 Q 11 2 Q 11 3Q 11 4 Q 11 1 Q 12 2 Q 12 3Q 12 4 Q 12 1 Q 13 2 Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4Q 14 1 Q 15 2 Q 15 3Q 15 Rp Savings Deposits FX Savings Deposits Rp Demand Deposits FX Demand Deposits Rp Time Deposits FX Time Deposits Retail Deposit Analysis – Bank Only 2.5 2.8 4.2 3.4 3.3 3.1 2.5 2.32.4 2.8 2.0 2.2 2.0 2.0 2.11.9 2.1 2.1 3.2 3.0 3.3 2.5 2.6 2.1 2.2 2.4 1.8 1.5 1.6 1.5 1.6 1.5 1.51.61.5 1.4 1.3 1.2 1.2 6.8 6.3 9.3 9.5 8.7 7.2 6.5 6.9 6.3 6.5 6.5 5.7 5.0 4.9 5.1 4.9 5.0 5.5 6.6 7.0 7.3 8.3 7.9 7.8 7.4 7.5 5 10 15 Rp DD Rp Savings Rp TD Average Quarterly Deposit Costs 2.4 1.6 1.8 0.9 0.9 0.1 0.1 0.1 0.3 0.30.2 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.4 2.6 2.9 2.8 3.7 3.9 3.0 1.9 0.3 0.5 0.4 0.8 0.7 0.7 0.5 0.6 0.8 1.2 1.2 1.1 1.3 1.8 1.2 0.8 2 4 1 Q 08 2 Q 08 3 Q 08 4Q 08 1 Q 09 2 Q 09 3Q 09 4 Q 09 1 Q 10 2 Q 10 3Q 10 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4Q 12 1 Q 13 2 Q 13 3Q 13 4 Q 13 1 Q 14 2 Q 14 3Q 14 4 Q 14 1 Q 15 2 Q 15 3 Q 15 FX DD FX TD 63.5 62.3 61.4 60.4 62.564.7 63.4 63.8 66.1 63.3 63.8 64.9 66.1 66.5 69.6 70.1 72.5 71.6 72.9 71.9 69.9 68.8 68.4 66.2 67.7 65.1 CASA as of total deposits 23 60 ,676 63 ,323 66 ,851 7 3 ,3 2 4 81 ,046 84 ,675 91 ,504 9 6 ,2 6 8 105 ,192 108 ,434 1 1 8 ,7 8 8 123 ,833 130 ,158 131 ,857 140 ,189 146 ,744 157 ,974 158 ,173 165 ,304 1 6 7 ,4 2 9 27.7 28.6 27.6 28.3 29.6 29.6 29.8 30.2 30.9 31.8 31.7 31.3 31.2 31.8 32.6 32.5 33.2 33.1 33.3 33.3 20 22 24 26 28 30 32 34 30,000 40,000 50,000 60,000 70,000 80,000 90,000 100,000 110,000 120,000 130,000 140,000 150,000 160,000 170,000 4 Q 2010 1 Q 2011 2 Q 2011 3 Q 2011 4Q 20 11 1 Q 2012 2 Q 2012 3 Q 2012 4Q 20 12 1 Q 2013 2 Q 2013 3Q 20 13 4 Q 2013 1 Q 2014 2 Q 2014 3 Q 2014 4 Q 2014 1 Q 2015 2 Q 2015 3 Q 2015 Retail to Total Loans Retail to Total Loans Micro Credit Business Banking Consumer Finance Rp Bn 62,443 69,528 7,085 3Q 2014 Growth 3Q 2015 YoY 11.3 Consumer Finance Rp Bn Business Banking 51,999 57,905 5,906 3Q2014 Growth 3Q2015 YoY 11.4 Rp Bn Micro Credit 32,706 39,996 7,290 3Q2014 Growth 3Q2015 YoY 22.3 Strong Mi crofi n ance Grow th 200 300 502 687 898 897 903 934 600 800 800 878 928 1,027 1,127 1,128 1,209 1,326 10 152 480 710 760 751 706 703 714 685 3 5 6 2008 2009 2010 2011 2012 2013 2014 1Q 15 2Q 15 3Q 15 Bra n ch Unit Ki o sk C a sh O u tl e t Cus tome rs 000 Ne tw or k Of Ne w Cus tome rs 73,566 79,500 76,325 94,855 74,037 110,000 121,007 146,359 126,509 140,064 131,715 147,825 138,747 160,620 136,196 162,181 140,886 167,145 158,909 162,738 134,501 138,500 1Q 10 2Q 10 3Q 10 4Q 10 1Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2Q 12 3Q 12 4Q 12 1Q 13 2Q 13 3Q 13 4Q 13 1Q 14 2Q 14 3Q 14 4Q 14 1Q 15 2Q 15 271 430 562 694 815 889 1 ,009 1 ,046 1 ,079 1,0 88 2008 2009 2010 2011 2012 2013 2014 1Q 15 2Q 15 3Q 15 25 13 ,500 14 ,268 15 ,523 16 ,466 17 ,779 18 ,764 2 ,1 1 3 20 ,919 2 2 ,8 1 8 24 ,092 26 ,135 27 ,357 26 ,995 2 6 ,6 9 26 ,505 26 ,347 26 ,495 26 ,207 26 ,340 26 ,369 3 ,957 3 ,964 3 ,9 7 9 3 ,949 3 ,8 8 7 3 ,777 3 ,679 3 ,571 3 ,471 3 ,3 6 5 3 ,312 3 ,240 3 ,181 3 ,172 3 ,198 3 ,240 3 ,310 3 ,326 3 ,4 3 2 3 ,534 6, 374 6 ,398 6 ,708 6 ,861 6 ,995 7, 143 7 ,412 7 ,753 8 ,206 8 ,386 8 ,958 9 ,374 9 ,781 10 ,030 10, 642 11 ,253 11, 880 12 ,201 12 ,838 13 ,408 3 ,589 3, 575 3 ,761 3 ,910 4 ,296 4 ,245 4 ,492 4 ,590 5 ,035 5 ,025 5, 195 5 ,303 5, 620 5 ,557 6 ,855 7 ,568 8 ,288 8, 343 8 ,751 8 ,683 2 ,826 3 ,454 3 ,492 4 ,200 5 ,115 5 ,829 6, 593 6 ,609 7, 209 7 ,486 7 ,905 9 ,013 10 ,218 11, 083 12 ,260 13 ,271 13 ,983 14 ,890 15 ,630 16 ,641 447 698 791 873 928 964 1,016 1,037 1,010 966 927 904 809 840 805 765 750 683 733 892 2,500 5,000 7,500 10,000 12,500 15,000 17,500 20,000 22,500 25,000 27,500 30,000 32,500 35,000 37,500 40,000 42,500 45,000 47,500 50,000 52,500 55,000 57,500 60,000 62,500 65,000 67,500 70,000 72,500 75,000 4 Q 10 1 Q 1 1 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2 Q 1 2 3 Q 12 4 Q 12 1 Q 13 2 Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 1 4 4 Q 14 1 Q 1 5 2 Q 15 3 Q 15 Other Auto Credit Cards Payroll Loans Home Equity Loans Mortgages Loan Type Growth Y-o-Y Q-o-Q Other 18.84 6.43 Auto Loans 25.40 6.47 Credit Cards 14.74 -0.77 Payroll Loans 26.74 5.41 Home Equity Loans 9.07 2.96 Mortgages 0.08 0.11 Total Consumer 11.35 2.66 Quarterly Consumer Lending Balances by Type Consumer Lending Growth by Type Rp 69.5 Tn Auto Motorcycle Loans channeled or executed through finance companies = Rp 9.2 Tn in our Commercial Portfolio 26 Quarterly Transaction Value Rp Tn Quarterly Users Mn Inactive cards have been purged 95.5 122.2 147.7 153.8 170.0 179.3 191.2 192.6 208.1 210.0 241.5 2.1 3.5 4.1 5.0 6.6 8.3 10.5 17.6 28.3 35.7 38.9 7.1 14.0 18.1 23.5 26.8 29.4 33.3 33.3 34.5 46.7 32.6 20 40 60 80 100 120 140 160 180 200 220 240 4 Q 09 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2Q 13 3 Q 13 4Q 13 1 Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3 Q 15 ATM Mobile Banking Internet Banking 7.7 8.6 8.2 9.2 10.0 10.6 11.1 11.6 11.8 12.4 12.6 3.2 4.7 4.9 5.3 5.6 5.8 6.1 6.3 6.5 6.7 6.8 1.2 1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 1.9 2 4 6 8 10 12 14 4 Q 09 4 Q 10 1 Q 11 2 Q 11 3Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4Q 12 1 Q 13 2Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3Q 15 Debit Cards Mobile Banking Internet Banking Quarterly Transaction Volume Mn 142 157 184 189 212 218 233 235 246 249 293 39 36 44 41 43 41 39 44 51 47 48 12 18 23 26 32 31 34 57 70 113 172 17 42 55 78 85 67 76 81 89 117 102 25 50 75 100 125 150 175 200 225 250 275 300 4 Q 09 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2Q 13 3 Q 13 4Q 13 1 Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3 Q 15 ATM Branch Mobile Banking Internet Banking 27 Volume Mandiri Business Saving Account Rp Tn Numbers of EDC 23,690 27,611 33,732 47,127 92,903 180,532 230,352 270,352 282,442 288,509 294,437 2007 2008 2009 2010 2011 2012 2013 2014 Q 1 2015 Q 2 2015 Q3 2015 Fee Income from e-channel Tx Rp Bn 52.1 89.4 126.2 200.3 258.2 315.2 347.6 414.7 604.3 65.5 98.5 166.6 196.5 285.7 318.6 382.0 490.3 663.4 81.9 110.5 194.5 249.3 313.9 361.8 437.5 489.2 668.2 89.0 117.8 223.7 268.5 312.8 464.4 512.9 664.8 2007 2008 2009 2010 2011 2012 2013 2014 2015 Q4 Q3 Q2 Q1 38.8 YoY Growth 3.5 4.8 8.0 17.7 34.7 59.4 85.8 102.3 87.8 96.9 2007 2008 2009 2010 2011 2012 2013 2014 3 Q 2014 3 Q 2015 10.3 YoY Growth 28 Fiesta Point Program A program to get points based on savings average balance and of transactions through e-channel or branch, so that the Customer has the opportunity to earn immediate prizes. Mandiri Belanja Untung Program Prizes for buyers who do the transactions in the merchant as a participants, or using Mandiri EDC. For sellers, they have the opportunity to be included to the national lucky draw. Belanja Hoki Dagang Hoki Program Co-promotion with the ITC Group for the merchant and the buyers who transact in ITC by using Mandiri Debit and also a reward program for the building management. MTB Transaction Volume 201,106 212,844 261,935 265 ,423 272 ,212 290 ,019 306 ,831 349 ,868 299 ,417 322 ,587 308 ,832 9,235 10,601 11,385 12,616 12,773 14,068 14,508 16,052 15,996 17,444 17,101 - 3,000 6,000 9,000 12,000 15,000 18,000 - 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 1 Q 13 2 Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3Q 1 5 of Volume of Transactions 000 MIB Transaction Value Users 18 ,528 25,857 32,273 42,582 47 ,304 53 ,124 57 ,447 73 ,666 79 ,970 88 ,013 79 ,173 11,535 13,542 15,312 15,971 17,802 18,216 22,570 24,676 26,441 28,122 27,591 1Q 13 2Q 13 3Q 13 4Q 13 1Q 14 2Q 14 3Q 14 4Q 14 1Q 15 2Q 15 3Q 15 Transaction Value Rp Bn of Active Users SME Business w Mandiri Acc 543,972 643,334 789,300 807,496 827,261 839,345 2012 2013 2014 1Q 2015 2Q 2015 3Q 20152 14,058 13,451 13,502 15,918 17,255 17,124 19,559 18,838 18,886 18,824 19,054 16,924 14,846 14,292 13,336 12,986 13,944 13,606 15,676 14,856 15,626 16,989 17,672 17,755 19,272 21,586 23,825 22,958 27,116 29,549 11 .5 10 .0 9 .2 9 .1 9 .8 9 .4 10 .4 9 .5 9 .4 8 .6 8 .2 6 .9 5 .9 5 .2 4 .5 4 .1 4 .3 3 .9 4 .3 3 .8 4 .0 4 .0 3 .9 3 .8 4 .1 4 .7 4 .3 5 .1 2 ,000 4 ,000 6 ,000 8 ,000 10 ,000 12 ,000 14 ,000 16 ,000 18 ,000 20 ,000 22 ,000 24 ,000 26 ,000 28 ,00 30 ,00 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 S pe c ial Me nti on S pe c ial Me nti on Rati o NPL Mo vem en t - Cons ol ida ted 5.14 4.74 4.44 4.73 5.85 4.78 3.79 2.79 2.56 2.54 2.60 2.42 2.60 2.42 2.56 2.21 2.22 2.07 2.04 1.87 2.08 1.89 1.90 1.90 2.07 2.23 2.16 2.15 2.27 2.43 2.81 116 .0 122 .5 138 .9 127 .1 116 .6 136 .1 155 .2 206 .0 191 .7 19 2.4 155.5 185.1 185 .1 189 .6 193 .4 185 .5 187 .6 185 .3 170 .3 157 .4 157 .1 150 .5 137 .7 136 .2 1Q 08 2Q 08 3Q 08 4Q 08 1Q 09 2Q 09 3Q 09 4Q 09 1Q 10 2Q 10 3Q 10 4Q 10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 Gro ss N PL Rat io Pr o vN PL Gross N PLs 2.8 1, Coverage at 136. 2 - Category 2 at 5. 09 Ca tegory 2 Loans Non-Performing Loans by Segment Excluding loans to other banks NPLs 3Q  NPLs Rp tn Rp tn Corporate 3.19 0.40 1.72 Commercial 3.80 1.37 2.54 Small 2.28 0.22 3.94 Micro 1.48 0.11 3.70 Consumer 1.39 0.08 2.00 Total 12.15

2.17 2.41