DERIVATIVE RECEIVABLES AND PAYABLES continued

PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2016 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 101

12. LOANS AND SHARIA RECEIVABLESFINANCING continued

A. Details of loans and sharia receivablesfinancing continued: b.1 By type continued: December 31, 2015 continued Non-impaired Impaired Total Foreign currencies: Working capital 28,485,384 5,220,454 33,705,838 Investment 27,410,237 7,464,351 34,874,588 Consumer 278,873 - 278,873 Syndicated 12,936,393 242,545 13,178,938 Export 9,251,222 863,087 10,114,309 Employees 737 - 737 Total Note 61B.v 78,362,846 13,790,437 92,153,283 545,001,924 41,673,513 1 586,675,437 Less: Allowance for impairment losses 5,507,533 16,774,309 2 22,281,842 Net 539,494,391 24,899,204 3 564,393,595 Included in “impaired portfolio” are i loans classified as sub-standard, doubtful and loss non-performing loans in accordance with Bank Indonesia regulation, and ii all restructured loans iii others based on specific consideration Note 2c.G.a. Including loan of Subsidiary engaged in sharia banking in which allowance for impairment losses is calculated based on Bank Indonesia Regulation and SFAS No. 102 Revised 2013. 1 Loans evaluated by using individual and collective assessment are amounting to Rp30,423,173 and Rp11,250,340, respectively. 2 Allowance for impairment losses calculated by using individual and collective assessment are amounting to Rp13,265,021 and Rp3,509,288, respectively. 3 Loans - net evaluated by using individual and collective assessment are amounting to Rp17,158,152 and Rp7,741,052, respectively.

b.2 By type and Bank Indonesia’s collectibility:

December 31, 2016 Special Sub- Current mention standard Doubtful Loss Total Rupiah: Working capital 228,380,147 9,610,239 6,417,582 1,537,514 7,152,092 253,097,574 Investment 126,315,123 4,393,028 2,030,464 209,724 2,911,498 135,859,837 Consumer 119,358,666 6,996,906 480,810 572,467 1,132,740 128,541,589 Syndicated 18,255,518 254,458 - - 118,574 18,628,550 Export 14,136,640 97,052 9,047 3,901 42,961 14,289,601 Employees 5,446,459 218,593 5,313 1,223 4,336 5,675,924 Government program 589,792 17,789 6,449 5,181 40,335 659,546 Total 512.482.345 21,588,065 8,949,665 2,330,010 11,402,536 556,752,621 Foreign currencies: Working capital 23.418.079 2,197,826 305,614 162,346 1,205,379 27,289,244 Investment 35,128,070 1,086,854 528,265 - 768,705 37,511,894 Consumer 395,303 - - - - 395,303 Syndicated 23,248,765 - 98,020 132,260 232,754 23,711,799 Export 3,497,590 95,067 19,829 - 49,038 3,661,524 Employees 568 - - - - 568 Total Note 61B.v 85,688,375 3,379,747 951,728 294,606 2,255,876 92,570,332 598,170,720 24,967,812 9,901,393 2,624,616 13,658,412 649,322,953 Less: Allowance for impairment losses 11,786,677 4,548,927 4,070,577 1,107,476 11,103,103 32,616,760 Net 586,384,043 20,418,885 5,830,816 1,517,140 2,555,309 616,706,193 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2016 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 102

12. LOANS AND SHARIA RECEIVABLESFINANCING continued

A. Details of loans and sharia receivablesfinancing continued:

b.2 By type and Bank Indonesia’s collectability continued:

December 31, 2015 Special Sub- Current mention standard Doubtful Loss Total Rupiah: Working capital 205,509,646 9,563,744 1,596,981 1,070,148 5,885,328 223,625,847 Investment 120,452,660 4,927,420 580,394 198,996 1,901,395 128,060,865 Consumer 104,952,575 6,789,491 465,328 585,609 1,003,725 113,796,728 Syndicated 12,599,908 343,794 254,541 - - 13,198,243 Export 10,592,324 120,717 99,730 20,000 19,729 10,852,500 Employees 3,808,837 240,478 21,547 1,980 3,769 4,076,611 Government program 753,864 54,785 23,152 26,169 53,390 911,360 Total 458,669,814 22,040,429 3,041,673 1,902,902 8,867,336 494,522,154 Foreign currencies: Working capital 30,726,925 2,750,266 - 228,557 90 33,705,838 Investment 32,818,873 1,430,134 138,091 286,516 200,974 34,874,588 Consumer 278,873 - - - - 278,873 Syndicated 12,936,393 191,008 72 - 51,465 13,178,938 Export 9,321,662 133,000 46,621 61,468 551,558 10,114,309 Employees 737 - - - - 737 Total Note 61B.v 86,083,463 4,504,408 184,784 576,541 804,087 92,153,283 544,753,277 26,544,837 3,226,457 2,479,443 9,671,423 586,675,437 Less: Allowance for impairment losses 5,868,080 6,319,154 1,281,970 1,464,641 7,347,997 22,281,842 Net 538,885,197 20,225,683 1,944,487 1,014,802 2,323,426 564,393,595