27.230.3 38.4 40.9 46.0 50.9 54.9 55.3 BMRI 1Q14 Analyst Presentation FULL VERSION

82.8 88.8 93.7 97 .1 97.1 102.9 108.8 121.9 119 .8 126 .5 135.4 151.8 150 .4 159.9 166.2 186.9 179.9 189.8 198.8 214 .7 201.9 8.2 8.3 8.7 9.7 9.9 10.811.6 11.612.312.7 12.2 12.013.4 13.614.0 15.315.816.8 19.0 20.7 22.1 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 63 .0 77 .9 61.2 74.6 63 .9 73.4 67.2 20.318.3 21.1 18.822.023.122.9 22.225.422.3 24.0 25.3 28.228.028.5 36.1 33.3 38.5 49.2 51.1 43.5 99.6 105.7 109.3 108.4 124 .4 127 .8 127.0 147.8 143 .5 140.8 140.0 148.1 120.8 137.5 138.9 150 .7 152.8 153.7 155.2 176.2 176 .9 16.7 18.7 17.115.1 11.8 11.711.1 12.510.312.4 15.3 17.8 15.6 20.3 20.4 16.1 24.0 29.0 28.2 20.1 20.0 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 500 520 540 560 1Q 09 2 Q 09 3Q 09 4Q 09 1Q 10 2Q 10 3Q 10 4Q 10 1 Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2 Q 12 3 Q 12 4Q 12 1Q 13 2 Q 13 3Q 13 4Q 13 1Q 14 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 .2 103.2 106.2 113.0 119 .2 123.2 126.3 124.7 124.3 130.9 138.8 131.8 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 1.6 1.8 1.6 1.5 1.7 2.0 2.3 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 93.3 102 .7 102.0 104.2 111.0 116 .9 116.3 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 44 .5 47.7 49.3 52.4 55.2 56.6 57.4 14.115.5 16.3 17.117.7 19.3 20.522.7 23.3 25.8 27.6 30.2 30.9 33.1 35.0 38.4 38.4 42.5 43.7 46.5 46.3 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 16.8 19.0 20.7 23.9 24.9 27.028.2 12.611.5 11.2 10.39.7 9.1 8.6 7.8 6.7 6.1 6.1 4.6 4.8 4.8 4.9 4.0 3.9 3.9 4.2 4.2 3.9 22.6 24.3 25.0 29.0 16.817.1 17.6 18.820.4 22.7

24.6 27.230.3

34.2 38.4

40.5 40.9

43.6 46.0

48.9 50.9

53.5 54.9

55.5 55.3

20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 1Q 09 2 Q 09 3 Q 09 4Q 09 1 Q 10 2Q 10 3Q 10 4Q 10 1 Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2Q 12 3Q 12 4Q 12 1Q 13 2 Q 13 3 Q 13 4Q 13 1 Q 14 Subsidiaries Inst SAM Micro Small Cons Comm Intl Corp Y-o-Y  16.6 15.7 30.6 9.8 12.2 Y-o-Y  36.4 20.4 16.3 Loans by SBU + Subsidiaries Rp Tn 14.0 5.7 Deposits by Product – Consolidated Rp Tn Previously booked in Corporate Banking Loans from Treasury International have been reallocated to Corporate following the reorganization in early 2010 45.6 40.1 20.1 470.4tn Total Total 467.0tn 531.6tn 13.8 1.4 8.5 8 391.6tn  Total Wholesales Fees Rp1.1Tn 1  Total Wholesale Low Cost Deposits Rp77.3Tn  Growth of Tx cash management 58.5 YoY 2  Total Retail Fees of Rp1.5 Tn 1  Total Retail Low Cost Funds Rp241.8Tn  YoY increase in of E-channel transaction: 16.4  Total Retail Loans of Rp131.9 Tn  Assets Spread Rp1.8 Tn  31.8 of total loans Pillar 1 Pillar 2 Pillar 3 1 Fee-Based Provision, Commission Fee 2 Excluding Mandiri Transaction System Wholesale Transactions, Retail Payments High Yield Loans 9 Strengthen leadership in wholesale transaction banking  Comprehensive financing transaction solutions  Holistic relationship approach for leading Indonesian institutions Build 1 or 2 positions in key retail financing segments  Win in mortgage, personal loan cards  Become a major player in micro- banking  Champion Syariah in Indonesia Be the retail deposit bank of choice  Win through differentiated customer experience and targeted propositions  Deploy innovative payment solutions Assets 1Q 2014 1Q 2013 Liabilities 1Q 2014 1Q 2013 Cash 14,501 11,681 Current Account 110,738 94,524 Current Acc w BI Other Banks 60,149 63,157 Savings 223,970 195,665 Placement w BI Other banks 33,183 38,959 Time Deposits 196,903 176,827 Advances Other 21,340 14,761 Marketable Securities 30,945 14,003 Total Deposits 531,611 467,017 Government Bonds 90,649 79,234 Loans Gross 470,423 391,641 Securities Issued 1,773 1,504 Provisions of Loans 16,630 14,459 Deposits from other banks 24,535 28,942 Net Loans 453,793 377,182 Borrowings 15,125 11,786 Reverse Repo 778 7,888 Other Int. Bearing Liabilities 11,786 9,134 Other Provisions 2,015 1,641 Non Int. Bearing Liabilities 55,613 41,181 Deferred Tax Assets 3,755 3,542 Equity incl. Minority Interest 89,041 81,034 Other Assets 22,405 31,832 Total 729,483 640,599 Total 729,483 640,599 Rp Bn, Consolidated 10 Investments include policyholders of unit linked and Investments in shares has been reclassified to cash, government bonds, marketable securities, other assets. 11 Summary PL Q1 2014 Q4 2013 Q1 2013 Y-o-Y Q-o-Q Rp Bn Rp Bn Rp Bn ∆ ℅ ∆ ℅ Interest Income 14,313 14,411 11,402 25.5 0.7 Interest Expense 5,333 5,052 3,946 35.1 5.6 Net Interest Income 8,980 9,359 7,455 20.5 4.0 Net Premium Income 584 605 610 4.3 3.4 Net Interest Income Premium Income 9,564 9,963 8,066 18.6 4.0 Other Non Interest Income Other Fees and Commissions 2,130 2,606 1,861 14.4 18.3 Foreign Exchange Gains - Net 404 347 226 78.9 16.5 Gain fr. sale Incr. in Val Sale of Bonds 158 3 46 244.7 na Others 835 1,226 1,140 26.7 31.8 Total Non Interest Income 3,528 4,176 3,273 7.8 15.5 Total Operating Income 13,092 14,140 11,339 15.5 7.4 Provisions, Net 1,217 851 1,089 11.8 43.0 Personnel Expenses 2,626 2,374 2,042 28.6 10.6 GA Expenses 2,309 3,167 2,034 13.5 27.1 Loss from decr. in value of Sec Gov Bonds - - - na Other Expenses 476 767 566 16.0 38.0 Total Expense 5,411 6,309 4,642 16.6 14.2 Profit from Operations 6,463 6,979 5,608 15.3 7.4 Non Operating Income 4 334 42 110.5 101.3 Net Income Before Tax 6,459 7,313 5,650 14.3 11.7 Net Income After Tax 4,925 5,400 4,303 14.5 8.8 175.2 181 .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 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 80.1 83.5 85.0 87.3 84.5 88.0 1 Q 09 2 Q 09 3Q 09 4 Q 09 1Q 10 2Q 10 3Q 10 4 Q 10 1Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2Q 12 3Q 12 4Q 12 1 Q 13 2 Q 13 3Q 13 4 Q 13 1Q 14 Loans Rp tn LDR 1.4 3.73.7 5.5 1.7 7.9 6.4 6.2 2.3 9.9 7.5 5.7 4.1 7.1 4.2 6.5 0.7 9.5 5.1 4.8 -0.4 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 20.1 1Q 09 2Q 09 3Q 09 4Q 09 1Q 10 2 Q 10 3 Q 10 4Q 10 1 Q 11 2Q 11 3Q 11 4Q 11 1 Q 12 2Q 12 3Q 12 4Q 12 1Q 13 2Q 13 3Q 13 4Q 13 1Q 14 QoQ Growth YoY Growth Quarterly Loan Data Consolidated 78.8 7 9 .7 82.0 82.7 82.9 88.7 92.8 93 .6 92.5 103 .1 1 1 .4 111 .7 118. 6 125. 2 129 .3 131. 7 129. 9 151. 9 153. 5 169. 7 166. 7 42.6 43.6 45 .3 50.6 50 .4 54.2 58 .6 64.7 64.5 70 .7 75.3 8 1 .1 82.9 90.1 93.6 1 3 .0 102. 3 104. 4 118 .2 117. 1 116 .5 14.415.8 16.6 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 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 16.8 19.0 20.7 23.9 24.9 27.0 28.2 19.720.6 21.7 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 1 Q 09 2 Q 9 3 Q 09 4 Q 9 1 Q 1 2 Q 10 3 Q 1 4 Q 1 1 Q 1 1 2 Q 1 1 3 Q 1 1 4 Q 1 1 1 Q 1 2 2 Q 1 2 3 Q 12 4 Q 1 2 1 Q 13 2 Q 1 3 3 Q 13 4 Q 1 3 1 Q 1 4 Corporate Commercial Small Micro Consumer Quarterly Loan Segment Details Bank Only Y-o-Y  16.3 36.4 20.3 13.9 28.4 21.9 Total 13.8 6.8 11.1 28.1 40.2 Break down As of Mar 2014; Non-consolidated numbers 12 34 .56 35 .24 37 .83 36 .49 35 .64 31 .15 29 .19 29 .75 30 .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 53 .29 59 .79 67 .75 62 .22 104.5 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 50 60 70 80 90 100 110 120 Ma r 8 Sep 8 Ma r 9 Sep 9 Ma r 10 Sep 1 Ma r 11 Sep 1 1 Ma r 12 Sep 1 2 Ma r 1 3 Sep 13 Ma r 1 4 20 25 30 35 40 45 50 55 60 65 70 Loan Fx LDR FX USD Billion Rp Trillion Bank Only Breakdown of FX lending Bank Only Q Total USD 5.477 Bn 0.01 0.13 0.20 0.24 0.29 0.31 0.34 0.65 0.76 1.23 1.31 Soc Serv Constr Utilities Bus Serv Trans Oth Agri Trading Mining Oil Gas Mfg  YoY 6 -3 29 28 -8 267 1 -5 -16 31 -45 FX Loans LDR 13 416.98 62.81 24.97 28.64 5.98 4.51 0.56 415.15 4Q13 Disburs. Install. Payment Pay-off FX Impact Write- Offs 1Q 14 33.29 15.09 4.96 5.73 3.74 62.81 Corporate Commercial Small Micro Cons Fin Total Loan Movement Rp tn – Bank Only Q1 2014 Loan Disbursement by Segment in Q1Rp tn – Bank Only 14 42.6 58 .1 72 .5 91.9 108.9 115.9 112.2 134.0 172 .9 19 5.8 242 .4 352 .5 400.2 491.3 492.5 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 79.6 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 RWA Rp tn Total Capital Rp tn 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 16.2 CAR 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 1,300 602 690 1,329 97 305 1,113 1,221 1,526 2,031 2,543 3,744 3,991 967 1,017 1,528 1,408 610 372 1,040 1,345 1,693 2,352 2,850 3,972 4,509 645 799 819 775 623 1,234 1,166 1,390 2,536 2,833 3,073 4,385 5,401 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Q4 PAT Q3 PAT Q2 PAT Q1 PAT IDR 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 22.2 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 • CAR under BASEL III in December 2013 was 16.7 15 1,099 1.1Tn from GIAA Recovery 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 5 .8 5.7 5.5 5 .3 5 .7 6.1 5.9 4 Q 03 4 Q 04 4Q 05 4Q 06 4Q 07 1Q 08 2Q 08 3 Q 08 4 Q 08 1 Q 09 2Q 09 3Q 09 4Q 09 1 Q 10 2Q 10 3Q 10 4 Q 10 1 Q 11 2Q 11 3Q 11 4Q 11 1Q12 2Q12 3 Q 12 4 Q 12 1 Q 13 2Q13 3Q 13 4Q13 1 Q 14 NIM 9.5 10.7 9.3 10.1 10.7 9.4 9.6 8.7 8.7 8.7 8.2 8.1 8.4 8.2 8.1 7.8 8.3 9.0 9.0 6.3 4.8 7.3 6.4 4.5 3.8 5.3 4.9 4.3 3.9 3.8 3.4 3.2 2.8 2.7 2.7 2.8 2.6 2.8 3.1 3.3 Yield on Assets Cost of Funds Quarterly Net Interest Margins Quarterly Yields Costs by Currency 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 5.0 4.9 4.8 4.5 5.1 4.4 4.0 3.5 3.4 2.7 2.6 3.0 2.7 2.3 2.1 1.5 0.8 0.7 0.8 0.7 0.5 0.3 0.5 0.6 0.6 0.6 0.7 0.7 0.7 0.6 0.7 0.8 5 4Q 06 4Q 07 1 Q 08 2Q 08 3Q 08 4 Q 08 1 Q 09 2Q 09 3Q 09 4Q 09 1Q 10 2 Q 10 3 Q 10 4 Q 10 1Q11 2Q11 3Q11 4Q11 1 Q 12 2Q12 3Q12 4 Q 12 1 Q 13 2Q13 3Q13 4Q13 1Q14 12.0 11.2 11.1 13.2 12.9 12.9 12.8 12.6 12.2 13.1 12.7 12.5 11.8 12.1 11.9 12.5 11.4 11.6 11.8 11.3 11.2 10.8 11.1 11.8 11.8 7.7 7.9 9.2 10.3 10.6 8.5 7.2 6.7 6.8 7.3 6.5 5.9 4.1 3.9 3.3 3.4 3.9 4.7 5.3 5.4 4.6 4.5 4.0 4.6 5.8 5.9 5.3 5.1 4.4 4.4 4.3 4.2 4.3 3.7 3.0 3.0 3.0 3.3 3.7 3.9 5 10 15 20 Avg Loan Yield Avg Bond Yield Avg COF IDR FX 16 Breakdown of 1Q 2014 Non-Loan Related Fees Commissions Rp Bn 17 Non-Loan Related Fees Commissions 1Q-2014 4Q-2013 1Q-2013 Y-o-Y Q-o-Q Δ Δ Administration Fees 644 863 519 24.2 25.4 Opening LC, BG Cap Market custodian trustee 230 236 173 33.0 2.4 Subsidiaries 379 419 389 2.4 9.5 Transfer, Retail Transaction 334 426 286 16.9 21.6 Credit Cards 291 297 265 10.0 2.1 Mutual Fund, ORI Bancassurance 86 99 77 10.9 13.2 Syndications 24 31 13 87.9 22.1 Payroll Package 17 19 15 13.5 7.3 Others 132 216 124 5.8 38.8 Total 2,130 2,606 1,861

14.9 18.1