15,931,015,154 II INTERNATIONAL 7,402,318,179 III BMRI 1Q14 Analyst Presentation FULL VERSION

∆ fro : IPO Dec 31, 2013 BMRI + 1,323.19 +20.38 JCI + 808.78 +11.56 No. of Investor No. of shares I DOMESTIC 1. Government of RI 1 0.01 14,000,000,000 60.00 2. Retail 12,500 74.21 217,000,431 0.93 3. Employees 2,277 13.52 41,867,318 0.18 4. Cooperatives 6 0.04 2,735,056 0.01 5. Foundation 25 0.15 17,037,728 0.07 6. Pension Funds 181 1.07 202,693,520 0.87 7. Insurance 64 0.38 485,661,436 2.08 8. Banks - 0.00 - 0.00 9. Corporations 120 0.71 244,427,060 1.05 10. Mutual Funds 180 1.07 719,592,605 3.08 Total 15,354

91.15 15,931,015,154

68.28 II INTERNATIONAL

1. Retail 80 0.47 1,523,733 0.01 2. Institutional 1,411 8.38 7,400,794,446 31.72 Total 1,491

8.85 7,402,318,179

31.72 III

TOTAL No. Description By 31 March 2014 16,845 100.00 23,333,333,333 100.00 2 Results Overview Page  I do esia s E o o i Co ditio 3  1Q 2014 Highlights 4  Key Indicators + Financial Highlights 5-6  SBU Performance Highlights 7  Ba k s Pe fo a e 8-11  Loan Performance 12-14  ROE NIM 15-16  Fee-Based CIR 17-18  Wholesale Transactions 19-21  Retail Value Chain 22-26  High-Yield Lending Activities 27-29  NPL Movement 30-33  Subsidiaries 34-37  Targets Initiatives 38-40 Operating Performance Highlights Supporting Materials Source: BPS, Bloomberg Trade balance back to surplus at USD785 mn I t l ese es i p o ed to U“D102.6 bn, Mar 2014 3 6 8 10 12 14 16 18 20 Ja n -1 A p r- 1 Ju l- 1 O ct -1 Ja n -1 1 A p r- 1 1 Ju l- 1 1 O ct -1 1 Ja n -1 2 A p r- 1 2 Ju l- 1 2 O ct -1 2 Ja n -1 3 A p r- 1 3 Ju l- 1 3 O ct -1 3 Ja n -1 4 -3 -2 -1 1 2 3 4 Trade Balance - RHS Export - LHS Import - LHS 1 2 .6 5.7 60 70 80 90 100 110 120 130 D e c- 9 M a r- 1 Ju n -1 S e p -1 D e c- 1 M a r- 1 1 Ju n -1 1 S e p -1 1 D e c- 1 1 M a r- 1 2 Ju n -1 2 S e p -1 2 D e c- 1 2 M a r- 1 3 Ju n -1 3 S e p -1 3 D e c- 1 3 M a r- 1 4 4 5 6 7 8 International Reserve - LHS Import cover- RHS Cash Management •13,162 Customers • 8.0 Mn Tx YTD 2014 2 4 Retail Loans 1 • Rp 131.9 Tn •31.8 of Loans •High yield loan amounting Rp 85.6 Tn Subsidiary Income • Total Rp 639 Bn • Sum of income from 6 subsidiaries 13.0 of EAT Alliances total •Alliance Payroll Accounts: 1.16 Mn e-Channel Tx •369.7 Mn YTD •16.4 Growth of Cards Issued • Credit 3.27 Mn • Debit 11.59 Mn • Prepaid 3.65 Mn 1 Small Business, Micro and Consumers 2 Exclude Mandiri Transaction System of Accounts • Deposit 14.85 Mn • Loan 1.39 Mn including mortgage account of 172,109 of new Accounts YTD • Deposit 1.56 Mn • Loan 172,030 of Outlets 2,061 Branches 2,463 Micro Outlets 11,514 ATMs Con ti nuou s Imp ro vemen t of K e y Indi ca tor s 10.00 15.80 18.01 22.10 24.40 30.70 24.30 22.70 22.00 21.12 21.88 22.18 22.55 21.85 21.09 21.35 22.23 22.17 2006 2007 2008 2009 2010 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 R e tu rn on E q u ity R oE Fee B ased R a ti o C u rr en t Acc oun t Sa vi ng Acc oun t C AS A N on P erf or m ing Loan N P L 19.60 20.10 23.90 24.40 29.30 27.70 28.10 29.30 30.40 28.10 29.50 28.20 28.40 28.50 28.70 29.40 29.50 25.74 2006 2007 2008 2009 2010 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 53.00 61.60 56.70 58.40 55.80 54.00 57.70 58.70 60.70 60.60 62.30 63.00 65.50 62.10 63.60 64.30 64.70 62.96 2006 2007 2008 2009 2010 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 16.30 7.20 4.73 2.79 2.42 2.60 2.42 2.56 2.21 2.22 2.07 2.04 1.87 2.08 1.89 1.90 1.90 2.07 2006 2007 2008 2009 2010 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 4Q13 1Q14 Ba k Ma di i s Q Pe fo a e de o st ated a ked i p o e e ts across several key indicators: Q Q  Loans Rp391.6tn Rp470.4tn 20.1 Net NPL Ratio Gross NPL Ratio 0.57 2.08 0.67 2.07 17.5 0.5 Low Cost Funds Ratio [Low Cost Funds Rp] 62.1 Rp290.2tn 63.0 Rp334.7tn 1.3 15.3 NIM 5.38 5.75 6.9 Efficiency Ratio 41.1 41.8 1.8 Earnings After Tax Rp4,303bn Rp4,925 bn 14.5 6 19.82 16.26 32.06 17.39 4.35 5.30 29.01 54.90 14.76 6.16 6.69 8.91 14.51 10.81 32.26 33.36 37.13 36.88 9.40 10.04 NII Net Interest Income Rp bn of Total Fee Income Rp bn of Total Asset Spread Rp bn of Total Liabilities Spread Rp bn 1,192 1,928 262 1,745 888 1,293 1,383 421 4,367 490 Corporate + Institutional Comm Business Banking Treasury, FI SAM Micro Retail Consumer Finance Q1 12 Q1 14 950 1,756 186 669 885 792 1,227 375 845 480 Q1 12 Q1 14 242 173 75 1,076 4 501 156 47 3,522 10 Q1 12 Q1 14 21.37 21.30 39.48 33.00 4.19 10.07 15.05 22.72 19.90 12.91 178 386 858 987 250 1,082 325 660 1,109 302 Q1 12 Q1 14 7 Rp 343Bn from SAM recoveries on WO loans 343 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