31.98 67,985,663 FINAL VERSION AM 2013 (FULL VERSION)

70 Stated in Rp Millions Series Interest Rate Marked To Market 1 FR0020 15-Dec-13 14.28 291 106.75 - - 291 - - 291 - - 291 1 VR0019 25-Dec-14 4.10 1,100,000 1,114,300 99.38 - 1,093,147 1,114,300 2 VR0020 25-Apr-15 3.99 - 391,029 99.24 - - 391,029 3 VR0021 25-Nov-15 3.77 100,000 690 99.14 - 99,136 690 4 VR0022 25-Mar-16 4.10 92,844 6,796,813 99.18 - 92,079 6,796,813 5 VR0023 25-Oct-16 3.99 9,738 4,086,068 99.04 - 9,645 4,086,068 6 VR0024 25-Feb-17 3.77 - 8,210,550 99.00 - - 8,210,550 7 VR0025 25-Sep-17 4.10 65,402 1,145,148 99.03 - 64,768 1,145,148 8 VR0026 25-Jan-18 3.99 1,775,267 - 98.94 - 1,756,396 - 9 VR0027 25-Jul-18 3.99 3,475,267 - 98.90 - 3,437,143 - 10 VR0028 25-Aug-18 3.77 5,171,695 - 98.88 - 5,113,927 - 11 VR0029 25-Aug-19 3.77 8,819,688 - 98.83 - 8,716,057 - 12 VR0030 25-Dec-19 4.10 8,016,765 - 98.89 - 7,927,619 - 13 VR0031 25-Jul-20 3.99 17,614,108 - 98.79 - 17,401,330 - - 46,240,774 21,744,598 - 45,711,246 21,744,598 - 46,240,774 21,744,889 - 45,711,246 21,744,889 0.00

68.02 31.98

0.00 67.76

32.24 67,985,663

67,456,135 Variable Rate Grand Total Sub Total Fair Value Nominal Sub Total Total Available For Sale Port. Total Investment Port. Fixed Rate Total Fair Value Maturity Date No. Total Trading Port. Total Available For Sale Port. Total Held To Maturity Portfolio Total Trading Port. Total Nominal Value Moody’s Fitch Outlook STABLE Outlook STABLE Long Term Rating Baa3 LT FC Issuer Default BBB- Foreign LT Bank Deposits Baa3 LT LC Issuer Default BBB- Local LT Bank Deposits Baa3 Subordinated Debt NR Senior Unsecured Debt WR ST Issuer Default Rating F3 Bank Financial Strength D Individual Rating WD Foreign Currency ST Deposits P-3 Support Rating 2 Local Currency ST Deposits P-3 “ta dard Poor’s Pefindo Outlook STABLE Outlook STABLE LT Foreign Issuer Credit BB+ LT General Obligation idAAA LT Local Issuer Credit BB+ Subordinated Debt idAA+ ST Foreign Issuer Credit B ST Local Issuer Credit B 71 72 Dividend Payment Net Profit for the financial year of 2012 of Rp15.504.066.523.686,20 was distributed as follows: • 30, or 4.651.219.957.105,86, for the annual dividend • Total Dividend Payment of Rp199.33 per share Schedule : a. Cum Date: Regular and Negotiated Market: April 26, 2013 Cash Market: May 01, 2013 b. Ex Date: Regular and Negotiated Market: April 29, 2013 Cash Market: May 02, 2013 c. Payment Date: May 16, 2013 Net Profit for the financial year of 2011 of Rp12,246,043,872,179.50 was distributed as follows: • 20, or Rp2,449,208,774,435.90, for the annual dividend • Total Dividend Payment of Rp104.96 per share 73 320,944 5,328 2,846 4 41 34,589 954 354 ,042 Beg. Bal. DG to 2 UG from 2 DG to NPL UG from NPL Net Disburs. FX Impact End Bal. Category 1 Loan Movements Rp bn – Bank Only Category 2 Loan Movements Rp bn – Bank Only 13 ,195 5,328 2,846 787 111 569 49 14,482 Beg. Bal. Cat. 1 DG UG to 1 DG to NPL NPL UG Net Disburs. FX Impact End Bal. 74 Loan Profile: Q2 Collectability by Segment Bank Only 96.7 96.0 88.5 89.8 92.1 1.7 2.9 9.7 6.7 5.0 0.1 0.0 0.3 0.5 0.3 1.6 0.8 1.1 2.2 2.1 Corp Comm Cons Micro Small 5 4 3 2 1 146,846 100,218 46,381 21,419 39,179 2,640 3,030 5,084 1,593 2,134 2,355 866 574 525 912 10,000 20,000 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 Corp Comm Cons Micro Small Loan Profile: Q2 Collectability Rp bn by Segment Bank Only 75 Curr e n t 30 Day s O D ai l: Qua rterl y by Day s Past Due rl y DG to NPL In te re st DP D - Ban k O n ly 11,161 6,901 1,177 4,106 1,558 1,304 1,031 1,644 235 783 561 134 503 596 325 1,858 1,975 297 480 283 851 617 454 552 1,284 357 605 503 553 649 379 545 796 353 Q1 05 Q2 05 Q3 05 Q4 05 Q1 06 Q2 06 Q3 06 Q4 06 Q1 07 Q2 07 Q3 07 Q4 07 Q1 08 Q2 08 Q3 08 Q4 08 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 Rp Bn Va lu e Quart erl y N P L St ock In ter es t DP D - B an k On ly 17,456 24,962 24,193 26,248 26,424 25,665 25,414 17,960 17,180 16,500 13,603 10,654 6,558 6,510 6,586 7,833 9,678 7,700 6,099 4,505 3,589 3,668 3,985 3 ,929 4301 4261 4983 4805 4927 4643 4644 4496 4811.9 4862.560145 5 ,000 10 ,000 15 ,000 20 ,000 25 ,000 30 ,000 Q1 05 Q2 05 Q3 05 Q4 05 Q1 06 Q2 06 Q3 06 Q4 06 Q1 07 Q2 07 Q3 07 Q4 07 Q1 08 Q2 08 Q3 08 Q4 08 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 Rp Bn … Ex clu d in g M ic ro Con su mer Loa n s On ly 10 20 30 40 50 60 70 Curr e n t 30 Day s O D 76 29 ,542 23 ,987 21 ,045 19 ,427 20 ,914 20,645 16,560 17 ,104 16 ,046 15 ,271 16 ,278 15 ,334 14 ,131 13,646 13 ,546 13 ,534 14 ,236 14 ,170 13 ,957 11 ,671 11 ,689 11,945 2002 A d d D e d uc t 2003 A d d D e d uc t 2004 A d d D e d uc t 2005 A d d D e d uc t 2006 A d d D e d uc t 2007 A d d D e d uc t 2008 A d d D e d uc t 2009 A d d D e d uc t Q 1 10 A d d D e d uc t Q 2 10 A d d D e d uc t Q 3 10 A d d D e d uc t Q 4 10 A d d D e d uc t Q 1 11 A d d D e d uc t Q 2 1 1 A d d D e d uc t Q 3 11 A d d D e d uc t Q 4 11 A d d D e d uc t Q 1 1 2 A d d D e d uc t Q 2 12 A d d D e d uc t Q 3 12 A d d D e d uc t Q 4 12 A d d D e d uc t Q 1 13 A d d D e d uc t Q 2 1 3 Others Write-Offs Repayments Restructuring Balance IDR bn Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities Loans by Restructuring Type in Q2 2013 Maturity extension; 51.7 Maturity extension wreduced rates; 6.2 Maturity extension wother restrg; 39.1 LT loans wconvert; 2.7 Additional loans; 0.3 Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest Restructured Loan Movement 2002 - Q2 2013 Rp billions Q4 Q1 Q2 Q3 Q4 Q Q Loans Restructured 1,247 1,144 202 956 316 586 165 NPL Collections 931 195 164 148 926 277 161 77 Plantations 14 Trad-Ret 8 Ot h e rs 8 Mf g -RawM 3 Plantations Bus Serv Trad-Ret Trans Others Trad-Distr Mfg-Chem Mfg-FB Mfg-Oth Mining-Oil Gas Constr Utilities Mfg-Metal Mining-Oth Mfg-RawM 1 Non-consolidated numbers Each sector 4 Excluding Micro Consumer Loans Only 78 Mandiri Credit Card Delinquency Rates 75.60 87.50 62.63 62.02 59.10 61.34 53.75 49.60 46.43 45.90 56.62 69.65 68.11 69.95 81.62 93.39 87.89 95.84 105.82 104.78 98.85 100.19 106.07 102.27 111.79 137.08 129.94 32.6 40.8 37.5 37.1 29.7 28.6 43.5 45.7 57.3 53.5 63.0 65.6 65.5 63.8 61.5 59.2 64.9 66.5 67.7 82.8 6.9 8.8 13.9 14.5 17.6 16.9 24.4 23.6 36.0 25.5 28.9 35.9 39.1 38.8 54.0 42.2 56.7 62.0 64.9 Q 4 05 Q4 06 Q1 07 Q 2 07 Q 3 07 Q 4 07 Q 1 08 Q 2 08 Q 3 08 Q 4 08 Q 1 09 Q 2 09 Q 3 09 Q 4 09 Q 1 10 Q 2 10 Q 3 10 Q4 10 Q111 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 Q 3 12 Q 4 12 Q 1 13 Q213 NPLs 90+DPD Write-Offs Recoveries Quarterly Charge-offs, NPLs Recoveries Rp Bn 10.2 8.8 6.7 5.4 4.2 5.2 4.8 5.3 5.2 5.7 5.4 5.1 4.7 5.0 4.8 4.6 5.0 5.2 4.8 5.3 4.3 3.5 2.8 2.2 2.5 2.5 2.7 2.6 2.7 3.0 2.8 2.6 2.3 2.4 2.4 2.2 2.2 2.7 2.5 5.0 4.8 3.9 3.3 2.4 2.4 2.2 2.2 2.1 2.2 2.2 2.2 2.3 2.2 2.2 2.2 2.4 2.5 2.0 1.8 1.3 1.2 1.1 1.1 1.0 1.1 1.1 1.1 1.1 1.1 1.0 1.0 1.1 1.1 Q4 05 Q4 06 Q1 07 Q 2 07 Q 3 07 Q 4 07 Q 1 08 Q 2 08 Q 3 08 Q 4 08 Q 1 09 Q 2 09 Q 3 09 Q 4 09 Q 1 10 Q 2 10 Q3 10 Q4 10 Q111 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 Q 3 12 Q 4 12 Q 1 13 Q 2 13 30 DPD - Rp 90 DPD - Rp 30 DPD - Cards 90 DPD - Cards Staf fing and Distribution Networ k Growth 17,204 17,735 18,397 19,693 21,192 21,062 21,631 22,408 22,909 23,445 24,282 24,954 25,236 25,706 26,327 27,305 27,907 28,183 28,153 28,518 30,762 30,830 31,721 2001 2002 2003 2004 2005 2006 2007 2008 2009 Q110 Q210 Q310 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 635 687 730 789 909 924 956 1,027 1,095 1,108 1,180 1,296 1,370 1,381 1,442 1,526 1,537 1,548 1,643 1,733 1,810 1,811 1,835 2001 2002 2003 2004 2005 2006 2007 2008 2009 Q110 Q210 Q310 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 3,160 4,000 4,716 5,537 6,025 6,265 7,041 7,851 12,666 14,165 14,359 14,822 18,321 18,581 18,939 21,478 22,794 23,602 28,309 31,139 35,300 35,395 36,123 2001 2002 2003 2004 2005 2006 2007 2008 2009 Q110 Q210 Q310 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 1,184 1,559 2,022 2,470 2,560 2,800 3,186 4,120 4,996 4,997 5,224 5,495 6,496 6,505 8,480 8,993 8,996 8,996 10,361 10,466 10,985 10,985 11,454 2001 2002 2003 2004 2005 2006 2007 2008 2009 Q110 Q210 Q310 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 Em ploy ees D om es tic Branc h N et w ork A T M N et w ork A T M -Link N et w ork 80 3 4 30 Days 90 Days 31-60 Days Current Agri Bus Serv Constr Mfg Trad-Distr Trad-Dom Trad-Ret Others USD IDR Invest Synd WC Comm Corp Small 10 20 30 40 50 60 70 80 90 100 Collect. Int. Aging Sector Currency Purpose Segment Loan Profile:Q2 NPL Downgrades Only Rp353.261bn Bank Only Excluding Micro Consumer Loans Only Corporate, Commercial Small Business loans downgraded to NPL in Q2 totaled Rp353.261 billion. Of these loans:  92.14 were more than 90 days overdue on interest payments  84.91 came from our Small portfolio  Largest downgrades by sector:  Retail Trading  Trade Distribution  Agriculture  Manufacturing  97.83 were IDR loans  91.15 were Working Capital loans, 6.18 were Investment Loans 81 3 4 5 90 Days 61-90 Days Current Agri Bus Serv Constr Mfg-Chem Mfg-FB Mfg-Metal Mfg-PP Trad-Distr Trad-Dom Trad-Ret Mass Trans Others USD IDR Consumer Export Invest Program WC Comm Corp Small 10 20 30 40 50 60 70 80 90 100 Collect. Int. Aging Sector Currency Purpose Segment Loan Profile: Q2 Non-Performing Loans Only Rp4,863bn Bank Only Excluding Micro Consumer Loans Only  17.0 remain current on interest payments and an additional 0.3 are less than 90 days overdue  50.5 are to Corporate customers  71.5 are Working Capital loans and 18.7 are Investment loans  Primary sectors are:  Chemical Manufacturing  Retail Trading  Distribution Trading  Metal Manufacturing  Domestic Trading  75.2 are Rp loans  5.1 are Cat. 3 9.9 are Cat. 4 Corporate, Commercial Small Business NPLs totaled Rp4,863 Billion in Q2. Of these NPLs in Q2: 82 Comm Corp Small 30 Day 1 Day 31-60 Days 61+ Days Current Bus Serv Constr Mfg-Chem Mfg-FB Mfg-Metal Mfg-Text Trad-Distr Trad-Ret Trans Electricity Others USD IDR Consumer Export Program WC 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Segment Days Aging Sector Currency Purpose Origin Year Loan Profile: Q2 Downgrades to Cat 2 Only Rp3,036 bn Bank Only Excluding Micro Consumer Loans Only Rp3,036 Billion in Corporate, Commercial, Small Business loans were downgraded to Category 2 in Q2. Of the Special Mention Loans downgraded:  53.3 are to Commercial customers 34.6 are for Small Business  31.9 are current 49.4 are less than 30 days overdue in interest payments  Primary sectors downgraded are:  Retail Trading  Electricity  Chemical Manufacturing  Textile Manufacturing  90.2 are IDR loans  71.2 are Working Capital loans 83 Comm Corp Small 30 Days 1 Day 31-60 Days 61- 90 Days Current Agri Bus Serv Constr Mfg-Chem Mfg-Metal Mfg-Text Export Trad-Distr Trad-HR Trad-Ret Trans Utilities Others USD IDR Invest Program WC 2000 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Segment Days Aging Sector Currency Purpose Origin Year Loan Profile: Q2 Category 2 Loans Only Rp7,804bn Bank Only Excluding Micro Consumer Loans Only Rp7,804 billion in Corporate, Commercial Small Business loans were in Category 2 in Q2. Of these Special Mention loans:  38.8 are to Commercial customers  39.9 are current or 1 day overdue, with an additional 41.4 less than 30 days overdue  Primary sectors in Category 2 are:  Textile Manufacturing  Retail Trading  Chemical Manufacturing  73.2 are IDR loans  67.1 are Working Capital loans  60.1 were Category 2 in Q1 13 84 1 2 Small Agri Equip Plantations Bus Serv Constr Mfg Soc Serv Trad-Distr Trad-Dom Trad-HR Trad-Ret Others IDR Export Invest Program WC 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Collect. Segment Sector Currency Purpose Origin Year Loan Profile: Q2 Upgrades to PL Rp67,697 bn Bank Only Excluding Micro Consumer Loans Only Corporate, Commercial Small Business loans upgraded to PL in Q2 totaled Rp67,697billion. Of these loans:  100 were to Small Business borrowers  91.9 originated later than 2004  Largest upgrades by sector:  Retail Trading  Plantation  Business Services  100.0 were IDR loans  72.9 were Working Capital loans; 23.5 were Investment loans 85 1 2 Comm Corp Small Plantations Bus Serv Constr Mfg-Chem Mfg-FB Mfg-Metal Mining Trad-Distr Trad-Ret Trans Mfg-Oth Utilities Mfg-RawM Others USD IDR Consumer Employee Invest Program Synd WC 2000 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Collect. Segment Sector Currency Purpose Origin Year Loan Profile: Q2 Performing Loans Only Rp294,047bn Bank Only Excluding Micro Consumer Loans Only Rp294,0472bn in Corporate, Commercial Small Business loans were performing in Q2. Of these performing loans:  50.8 are to Corporate customers 35.1 are to Commercial customers  92.7 originated since 2005  Primary sectors are:  Plantations  Business Services  Mining  Retail Trading  82.3 are Rupiah loans  49.8 are Working Capital loans; 38.6 are Investment loans 1 2 3 4 5 30 days 31-60 days 61+ days Current Mfg-Chem Mfg-Text Mfg-PP Mass Trans Mfg-Metal Trad-Distr Plantations Constr Mfg-FB Electricity Bus Serv Mining-Oil Gas Trad-HR Others USD IDR Invest Synd WC Comm Corp Small 10 20 30 40 50 60 70 80 90 100 Collect. Int Aging Sector Currency Purpose Segment 86 Loan Profile: Q2 Restructured Loans Only Rp11,95bn Bank Only Of the remaining Rp11,95 billion in restructured Corporate, Commercial Small Business loans in Q2 : Excluding Micro Consumer Loans Only  89.4 are performing  77.1 of Restructured Loans are current in interest payments  Primary sectors are:  Manufacturing • Chemicals • Textiles • Pulp Paper  Mass Transportation  52.8 are Rupiah loans  60.8 are Working Capital  82.2 are to Corporate customers  1.9 deteriorated in collectability  5.1 showed improved collectability 87  98.4 are performing loans, with 1.7 in Category 2  52.6 of Category 2 loans are current in interest payments  Primary sectors in Corporate are:  Plantations  Food Beverage Mfg  Business Services  Oil Gas Mining  74.1 are Rupiah loans  47.7 are Investment loans; 37.3 are Working Capital loans Loan Profile: Q2 Corporate Loans Only Rp151,943bn Bank Only Rp151,943 billion in loans were in the Corporate portfolio in Q2. Of the Corporate Loans in Q2: 1 2 3 5 Current 30 Day 61+ Days Plantations Bus Serv Constr Mfg-Chem Mfg-FB Mfg-Metal Mining-Oil Gas Trad-Distr Trad-Exp Trad-Ret Comm Electricity Mfg-Oth Others USD IDR Export Invest Synd WC 2000 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Collect. Cat. 2 Int. Aging Sector Currency Purpose Origin Year 88 1 2 5 30 Day 31-60 Days 61+ Days Current Agri Bus Serv Constr Mfg-Chem Mfg-FB Mfg-Metal Mfg-PP Mfg-RawM Mfg-Text Mining Trad-Distr Others USD IDR Consumer Export Invest WC 2000 2004 2000-2004 Mass Trans Trad-Oth 10 20 30 40 50 60 70 80 90 100 Collect. Cat. 2 Int. Aging Sector Currency Purpose Origin Year  98.9 are performing loans, with 2.9 in Category 2  46.4 of Category 2 loans are current in interest payments  Primary sectors in Commercial are:  Business Service  Chemical Manufacturing  Distribution Trading  Mass Transportation  86.7 are Rupiah loans  57.9 are Working Capital loans, 32.9 are Investment loans Loan Profile: Q2 Commercial Loans Only Rp104,422bn Bank Only Rp104,422 billion in loans were in the Commercial portfolio in Q2. Of the Commercial Loans in Q2: 89 1 2 3 5 30 Days 1 Day 31-60 Days 61+ Days Current Plantations Bus Serv Constr Mfg Household Equip. Soc Serv Trad-Distr Trad-Dom Trad-Ret Others Trans IDR Consumer Export Invest Program WC 2000 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Collect. Cat. 2 Int. Aging Sector Currency Purpose Origin Year  97.1 are performing loans, with 5.0 in Category 2  14.2 of Category 2 loans are current in interest payments  Primary sectors in Small Business are:  Retail Trading  Distribution  Plantations  99.9 are Rupiah loans  77.2 are Working Capital loans Loan Profile: Q2 Small Business Loans Only Rp42,544bn Bank Only Rp42,544 billion in loans were in the Small Business portfolio in Q2 of the Small Business Loans in Q2: 90 1 2 5 30 Days 1 Day 31-60 Days 61+ Days Current Plantations Bus Serv Constr Mfg-Chem Mfg-FB Mfg-Metal Mfg-RawM Trad-Distr Trad-Ret Comm Electricity Mfg-Oth Trade-Oth Others Comm Corp Small Consumer Export Invest Synd WC 2000 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Collect. Cat. 2 Int. Aging Sector Segment Purpose Origin Year  98.5 are performing loans, with 2.3 in Category 2  32.7 of Category 2 loans are current in interest payments  Primary sectors in Rupiah loans are:  Plantations  Business Services  Retail Trading  Distribution  45.8 are Corporate loans  54.4 are Working Capital loans, 37.4 Investment loans Loan Profile: Q2 Rupiah Loans Only Rp245,619bn Bank Only Rp245,619 billion in loans were Rupiah denominated in Q2 Of the Rupiah Loans in Q2: Excluding Micro Consumer Loans Only 91 1 2 5 30 Day 31-60 Days 61+ Days Current Plantations Bus Serv Mfg-Chem Mfg-Metal Mfg-Text Mining-Coal Mining-Metal Ore Mining-Oil Gas Trading Mass Trans Electricity Mfg-Oth Others Comm Corp Small Employee Export Invest Synd WC 2000 2004 2000-2004 10 20 30 40 50 60 70 80 90 100 Collect. Cat. 2 Int. Aging Sector Segment Purpose Origin Year  97.7 are performing loans  58.7 of Category 2 loans are current in interest payments  Primary sectors in FX loans are:  Oil Gas Mining  Trading  Chemical Manufacturing  Coal Mining  73.9 are Corporate loans  42.5 are Investment loans ; 30.7 are Working Capital loans Loan Profile: Q2 FX Loans Only Rp53,290bn Bank Only Rp53,290 billion in loans were FX denominated in Q2. Of the FX Loans in Q2: Excluding Micro Consumer Loans Only Loan growth, qual it y provi si oni n g rel at ive t o peers Bank Onl y, As of Mar 2013 399 207 199 123 107 104 95 94 90 25 BCA BRI Mandiri BNI CIMB Niaga Permata Panin BII Danamon BTN Rati o of Prov is ions to NPL 319,154 318,007 237,653 177,844 129,338 91,002 88,307 83,644 71,244 70,299 Mandiri BRI BCA BNI CIMB Niaga Danamon Panin Permata BTN BII T otal Loans Rp bn

29.0 27.6

27.6 26.6