DERIVATIVE RECEIVABLES AND PAYABLES continued LOANS AND SHARIA RECEIVABLESFINANCING LOANS AND SHARIA RECEIVABLESFINANCING 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 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 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 103

12. LOANS AND SHARIA RECEIVABLESFINANCING continued

A. Details of loans and sharia receivablesfinancing continued: c.1 By economic sector: December 31, 2016 Non-impaired Impaired Total Rupiah: Trading, restaurant and hotel 107,149,575 13,957,534 121,107,109 Manufacturing 90,362,185 15,315,418 105,677,603 Business services 42,510,056 3,795,187 46,305,243 Agriculture 52.785.745 6.168.983 58.954.728 Construction 23,706,108 1,794,246 25,500,354 Transportation, warehousing and communications 17,405,573 3,697,791 21,103,364 Electricity, gas and water 23,391,975 635,314 24,027,289 Mining 5,746,421 2,076,354 7,822,775 Social services 7,819,131 259,809 8,078,940 Others 134,680,148 3,495,068 138,175,216 Total 505,556,917 51,195,704 556,752,621 Foreign currencies: Trading, restaurant and hotel 9,550,116 260,928 9,811,044 Manufacturing 15,059,702 9,409,650 24,469,352 Business services 2,143,143 474,722 2,617,865 Agriculture 8,452,083 126,579 8,578,662 Construction 584,740 33,165 617,905 Transportation, warehousing and communications 3,276,371 2,168,650 5,445,021 Electricity, gas and water 3,186,296 667,539 3,853,835 Mining 22,696,415 3,303,001 25,999,416 Social services 2,644,517 67,348 2,711,865 Others 8,465,287 80 8,465,367 Total Note 61B.v 76,058,670 16,511,662 92,570,332 581,615,587 67,707,366 1 649,322,953 Less: Allowance for impairment losses 5,478,737 27,138,023 2 32,616,760 Net 576,136,850 40,569,343 3 616,706,193 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 Rp51,572,183 and Rp16,135,183, respectively. 2 Allowance for impairment losses calculated by using individual and collective assessment are amounting to Rp23,054,786 and Rp4,083,237, respectively. 3 Loans - net evaluated by using individual and collective assessment are amounting to Rp28,517,397 and Rp12,051,946, respectively. 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 104

12. LOANS AND SHARIA RECEIVABLESFINANCING continued