15,817,147,913 II INTERNATIONAL 7,516,185,420 No. Q2 2012 Bank Mandiri (r 03)

∆ fro : IPO June 30, 2012 BMRI +916.57 +6.67 JCI +628.43 +3.50 No. of Investor No. of shares I DOMESTIC 1. Government of RI 1 0.01 14,000,000,000 60.00 2. Retail 8,632 46.82 135,020,301 0.58 3. Employees 7,893 42.82 118,483,318 0.51 4. Cooperatives 2 0.01 20,556 0.00 5. Foundations 10 0.05 9,016,035 0.04 6. Pension Funds 130 0.71 217,808,148 0.93 7. Insurance 51 0.28 347,048,219 1.49 8. Banks - 0.00 - 0.00 9. Corporations 105 0.57 279,945,308 1.20 11. Mutual Funds 130 0.71 709,806,028 3.04 Total 16,954

91.97 15,817,147,913

67.79 II INTERNATIONAL

1. Retail 59 0.32 2,137,617 0.01 2. Institutional 1,422 7.71 7,514,047,803 32.20 Total 1,481

8.03 7,516,185,420

32.21 No.

Description 100.00 Per 30 June 2012 III TOTAL 18,435 100.00 23,333,333,333 -200 200 400 600 800 1000 1200 J ul -03 J an -04 J ul -04 J an -05 J ul -05 J an -06 J ul -06 J an -07 J ul -07 J an -08 J ul -08 J an -09 J ul -09 J an -10 J ul -10 J an -11 J ul -11 J an -12 BMRI JCI 2 Results Overview Page  Q2 2012 Highlights 3-5  SBU Performance Highlights 6-7  Loan Growth LDR 8-12  CIR ROE 13-14  Strategy Overview 15  Wholesale Transactions 16-18  Retail Value Chain 19-26  High-Yield Lending Activities 27-28  NPL Movement 29-31  SBU Alliances Subsidiaries 32-33  BMRI Targets 34 Operating Performance Highlights Supporting Materials 3 Admired Financial Institution Retails Loans 1 • Rp 91.5 Tn • 29.8 of Loans Subsidiaries Income • Total Rp 936.2 Bn • Sum of income of 5 subsidiaries 13.1 of EAT Alliances total • Card From Alliances 163.248 cards • Alliance Payroll Accounts: 344.800 e-Channel Tx • 613 Mn YTD • 34.3 Growth of Cards Issued • Credit 2.57 Mn • Debit 9.65 Mn • Prepaid 1.95 Mn Cash Management • 11,377 Customers • 6.1 Mn Tx YTD 2012 2 1 Small Business, Micro and Consumers 2 Exclude Mandiri Transaction System of Accounts • Deposits 12.53 Mn • Loans 1.21 Mn of new Accounts YTD • Deposit 1.74 Mn • Loans 321.173 of Outlets • 1,643 Branches • 2,012 Micro Outlets • 10,361 ATMS Bank Ma di i s H1 2012 Performance continued to demonstrate marked improvements in several key indicators: H H1  Loans Rp276.7 tn Rp350.4tn 26.6 Net NPL Ratio Gross NPL Ratio 0.58 2.42 0.55 2.07 5.2 14.5 Low Cost Funds Ratio [Low Cost Funds Rp] 57.7 Rp209.4tn 62.3 Rp260.4 tn 7.9 24.4 NIM 5.20 5.24 0.8 Efficiency Ratio 37.3 43.6 16.8 Earnings After Tax 6,323 bn 7,147 bn 13.0 4 82 .8 88 .8 93 .7 97.1 97 .1 10 2.9 108.8 121.9 119 .8 12 6.5 135.4 151 .8 150 .4 15 9.9 8.2 8.3 8.7 9.7 9.9 10.8 11.6 11.6 12.3 12.7 12.2 12.0 13.4 13.6 44 .5 47 .3 45.7 53 .9 47 .8 50 .3 39 .9 46.2 45 .3 47 .9 49.4 67.3 75 .0 59 .0 20.3 18.3 21.1 18.8 22.0 23.1 22.9 22.2 25.4 22.3 24.0 25.3 28.2 28.0 99 .6 10 5.7 109.3 108 .4 124 .4 12 7.8 127.0 147 .8 143 .5 14 0.8 140 .0 148.1 120 .8 13 7.5 16.7 18.7 17.1 15.1 11.8 11.7 11.1 12.5 10.3 12.4 15.3 17.8 15.6 20.3 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 Q 1 09 Q 2 09 Q 3 09 Q 4 09 Q 1 10 Q 2 10 Q 3 10 Q 4 10 Q 1 11 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 FX Time Rp Time FX Demand Rp Demand FX Savings Rp Savings 64.1 65.8 68.8 69 .8 74 .5 80.7 84.2 85 .4 85.1 96 .2 103.2 106 .3 113.0 119 .2 4.4 4.4 4.2 4.5 0.2 0.4 1.3 1.4 1.6 1.5 1.7 1.4 1.3 1.5 40.6 41 .9 43 .6 49.1 49 .1 53.1 57.5 63 .8 64 .7 70.1 74.7 80 .7 82.5 89 .8 19.7 20.6 21.7 23.6 24.7 26.7 28.6 30.7 32.4 34.3 36.3 39.0 40.7 43.3 14.1 15.5 16.3 17.1 17.7 19.3 20.5 22.7 23.3 25.8 27.6 30.2 30.9 33.1 4.6 4.8 5.1 5.4 5.6 6.0 6.5 7.3 7.7 8.5 9.5 11.7 13.1 15.1 12.6 11.5 11.2 10.3 9.7 9.1 8.6 7.8 6.7 6.1 6.1 4.6 4.8 4.8 16.8 17.1 17.6 18.8 20.4 22.7 24.6 27.2 30.3 34.2 38.4 40.5 40.9 43.6 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 Q 1 09 Q 2 09 Q 3 09 Q 4 09 Q 1 10 Q 2 10 Q 3 10 Q 4 10 Q 1 11 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 Subsidiaries SAM Micro Small Cons Comm Intl Corp Y-o-Y  62.9 2.4 25.8 23.1 26.4 Y-o-Y  77.6 28.4 26.3 Loans by SBU + Subsidiaries Rp Tn 28.1 23.9 Deposits by Product – Consolidated Rp Tn Loans from Treasury International have been reallocated to Corporate following the reorganization in early 2010 2.20 7.0 26.6 350.4tn Total Total 362.6tn 418.2tn 15.3 21.6 27.4 5 276.7tn 20.90 20.83 28.34 31.95 7.47 3.77 29.67 29.58 13.62 13.86 9.51 6.89 11.40 15.05 32.09 33.56 39.12 35.27 7.88 9.24 NII Net Interest Income Rp bn of Total Fee Income Rp bn of Total Asset Spread Rp bn of Total Liabilities Spread Rp bn 1,804 2,446 645 2,561 1,176 2,584 3,964 468 3,670 1,719 Corporate + Institutional Comm Business Banking Treasury, FI SAM Micro Retail Consumer Finance H1 10 H1 12 1,477 1,964 608 488 1,172 2,057 3,603 365 1,415 1,712 H1 10 H1 12 326 483 37 2,073 5 527 361 102 2,256 8 H1 10 H1 12 25.87 22.48 34.40 39.37 10.65 3.99 8.55 15.46 20.53 18.71 338 405 1,140 1,390 280 395 863 963 2,023 530 H1 10 H1 12 6 Rp 962Bn from SAM recoveries on WO loans and non SAM cash recoveries Rp 221Bn 962 Assets H1 2012 H1 2011 Liabilities H1 2012 H1 2011 Cash 11,377 8,776 Current Account 87,000 70,201 Current Acc w BI Other Banks 41,122 35,755 Savings 173,433 139,149 Placement w BI Other banks 40,280 29,621 Time Deposits 157,787 153,287 Advances Other 14,311 8,791 Marketable Securities 10,427 18,758 Total Deposits 418,220 362,637 Government Bonds 80,438 77,930 Loans Gross 350,417 276,708 Securities Issued 1,622 1,849 Provisions of Loans 13,547 11,610 Deposits from other banks 29,359 12,159 Reverse Repo 10,584 5,028 Borrowings 9,915 5,082 Other Provisions 1,651 1,956 Other Int. Bearing Liabilities 10,526 5,907 Policyholders Investments in UL, Investment in shares 9,867 8,208 Non Int. Bearing Liabilities 35,015 30,685 Deferred Tax Assets 3,014 3,670 Equity incl. Minority Interest 67,100 56,610 Other Assets 15,119 15,250 Total 571,758 474,929 Total 571,758 474,929 Rp Bn, Consolidated 7 175.2 181.6 188 .3 198 .5 201.9 218 .0 23 1.9 246 .2 251.8 276 .7 297.5 314.4 327.2 350 .4 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 Q 1 09 Q 2 09 Q 3 09 Q 4 09 Q 1 10 Q 2 10 Q 3 10 Q 4 10 Q 1 11 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 Loans Rp tn LDR 1.4 3.7 3.7 5.5 1.7 7.9 6.4 6.2 2.3 9.9 7.5 5.7 4.1 7.1 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 Q 1 09 Q 2 09 Q 3 09 Q 4 09 Q 1 10 Q 2 10 Q 3 10 Q 4 10 Q 1 11 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 QoQ Growth YoY Growth Quarterly Loan Data Consolidated 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 42.6 43 .6 45 .3 5 .6 50 .4 54.2 58 .6 64.7 64 .5 70.7 75.3 81.1 82 .9 90.1 14.4 15.8 16.6 17.4 18.0 19.7 20.7 22.8 24.5 25.9 27.7 30.3 30.9 33.2 4.6 4.8 5.1 5.4 5.6 6.0 6.5 7.3 7.7 8.5 9.5 11.8 13.1 15.1 19.7 20.6 21.7 23.6 24.8 26.7 28.6 30.7 32.4 34.3 36.3 39.0 40.7 43.3 Q 1 09 Q2 9 Q3 9 Q4 9 Q 1 10 Q2 1 Q 3 10 Q4 1 Q 1 1 1 Q 2 11 Q 3 11 Q4 1 1 Q 1 12 Q2 1 2 Corporate Commercial Small Micro Consumer Quarterly Loan Segment Details Bank Only Y-o-Y  26.4 77.2 28.3 27.4 21.4 26.6 Total 14.1 4.9 10.8 29.4 40.8 Break down As of June2012; Non-consolidated numbers 8 27.00 17.79 6.15 7.68 7.09 65.71 Corporate Commercial Small Micro Cons Fin Total 286.26 65.71 27.32 15.11 2.98 1.13 0.85 306.83 Q112 Disburs. Install. Payment Pay-off FX Impact Write- Offs Q2 12 Loan Movement Rp tn – Bank Only Q2 2012 Loan Disbursement by Segment in Q2 Rp tn – Bank Only 9 10 Summary PL Q2 2012 Q1 2012 Q2 2011 H1 2012 H1 2011 Y-o-Y Q-o-Q Rp Bn Rp Bn Rp Bn Rp Bn Rp Bn Δ Δ Interest Income 10,284 9,938 9,347 20,222 18,121 11.6 3.5 Interest Expense 3,599 3,936 3,926 7,535 7,738 2.6 8.6 Net Interest Income 6,685 6,002 5,421 12,687 10,383 22.2 11.4 Net Premium Income

571 527

418 1,098 835 31.5 8.3 Net Interest Income Premium Income 7,256 6,529 5,839 13,785 11,218 22.9 11.1 Other Non Interest Income Other Fees and Commissions 1,837 1,704 1,571 3,541 3,068 15.4 7.8 Foreign Exchange Gains - Net 405 210 179 615 311 97.7 92.9 Gain from incr.in value of Sec. Sale of Gov. Bonds 134 134 31 - 63 100.0 na Others 899 694 715 1,594 2,735 41.7 29.5 Total Non Interest Income 3,007 2,742 2,496 5,750 6,177 6.9 9.7 Total Operating Income 10,263 9,271 8,335 19,535 17,395 12.3 10.7 Provisions, Net 863 936 1,299 1,799 2,130 15.5 7.8 Personnel Expenses 1,939 1,865 1,631 3,805 3,178 19.7 4.0 GA Expenses 2,004 1,614 1,510 3,619 2,860 26.5 24.2 Loss from decr. in value of Sec Gov Bonds 15 - 47 15 82 81.7 na Other Expenses 545 540 427 1,085 722 50.3 0.9 Total Expense 4,503 4,019 3,615 8,524 6,842 24.6 12.0 Profit from Operations 4,896 4,317 3,420 9,213 8,423 9.4 13.4 Non Operating Income 25 174 45 199 79 151.9 85.6 Net Income Before Tax 4,921 4,490 3,465 9,412 8,502 10.7 9.6 Net Income After Tax 3,744 3,403 2,543 7,147 6,323 13.0 10.0 2 .8 3 .7 4 .3 3.6 4 .9 4.7 5.1 5 .5 6.0 5 .4 5 .5 5.3 4 .9 5.3 5.1 5 .2 6 .0 5 .8 5 .1 5.4 5 .2 5.4 5.2 5 .5 Q4 02 Q4 3 Q 4 04 Q4 5 Q 4 06 Q4 7 Q1 8 Q 2 08 Q 3 08 Q 4 08 Q 1 09 Q2 9 Q 3 09 Q4 9 Q1 1 Q 2 10 Q3 10 Q4 1 Q 1 11 Q2 1 1 Q 3 11 Q4 1 1 Q112 Q 2 12 NIM 13.0 9.5 11.0 9.3 10.1 10.7 9.1 9.8 8.7 9.0 8.7 8.7 8.2 8.1 10.8 10.8 6.3 4.8 7.3 4.5 3.8 5.3 4.9 4.0 3.8 3.8 3.7 3.4 3.2 2.8 Yield on Assets Cost of Funds Quarterly Net Interest Margins Quarterly Yields Costs by Currency 5.8 5.1 5.3 6.6 5.8 6.8 6.5 6.6 5.8 6.4 5.2 5.2 5.0 7.2 5.1 4.9 4.7 5.3 4.8 5.4 5.6 4.0 3.5 3.4 2.7 3.0 2.7 2.3 2.1 1.5

0.7 0.8

0.7 0.5 0.3 0.6 0.6 5 Q4 05 Q4 06 Q 4 07 Q1 08 Q 2 08 Q 3 08 Q 4 08 Q1 09 Q 2 09 Q3 09 Q 4 09 Q 1 10 Q2 10 Q3 10 Q410 Q 1 11 Q211 Q 311 Q 4 11 Q112 Q 2 12 12.0 12.1 12.9 12.9 12.6 12.7 12.5 11.8 12.1 11.9 12.5 11.4 11.6 7.18 6.5 6.5 5.9 3.9 3.3 6.9 4.5 4.6 5.8 5.3 4.2 4.1 4.3 4.2

3.7 3.1