Business Process improvement Leadership development Program

PT Bank Mandiri Persero Tbk.

4. organization Capacity development

CBB Directorate continues its efort to enhance organization capacity through network intensiication and extension. The network extension is focused more on the Business Banking segment to widen potential areas that are not yet covered within the existing network of Business Banking.

5. Employees and Leadership

development The recruitment of human resource HR for cBB Directorate was developed by recruiting the candidates with understanding on the market and characteristic of the areas and by considering wider operations of cBB business. To that end, the recruitment was prioritized from local areas and is adjusted with the requirement proiles of each area. A disciplined and implementation of sustainable work programs and strategic initiatives by all elements in cBB Directorate is required to achieve the set targets. 2013 will be a challenging year, though cBB Directorate will embark 2013 with optimism through the spirit of “collaboration, innovation, Building the country, Building indonesia;” supported by the values of Bank Mandiri Trust, integrity, Professionalism, customer Focus and excellence as well as consistent implementation of good corporate governance. INSTITUTIONAL BANKING Contribution Margin Rp.billion Fee income Rp.billion Total low cost Fund Rp.trillion Total Deposits Rp.trillion Forex Rupiah net interest income Rp.billion cost of liabilities 100 2 10 100 10 5 300 6 30 300 30 15 200 4 20 200 20 10 400 8 40 400 40 20 500 10 50 500 50 25 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 n Forex n Rupiah Business oveRvieW AnD conDiTion PT Bank Mandiri Persero Tbk. insTiTuTionaL BanKinG The Directorate of Institutional Banking has a central role that manages particular segments of ministries or State agencies and State-owned Enterprises, as well as national and international private clients. In their operational activities Directorate of Institutional Banking adheres in the vision “to make Bank Mandiri a Major Partner For Institutions and government agencies” with a mission that strived to improve execution of the value chain and the alliance of the Institutional segment of government agencies and State-owned Enterprises; as well as being the main partner in the management of funds and investments to optimize revenue and proit pools especially in wholesale transaction. Despite new challenges in worldwide banking industry in 2012, institutional Banking Directorate remained focus to maintain its position in the banking industry. The Directorate continuously strives to enhance product competitiveness. The Directorate ofers enhanced features especially related to product variations, lexibility to the customers as well as competitive pricing, by upholding the principles of good corporate governance. 2. Developing an integrated academic system with payment system. The objective was to manage the inance and academic data of state universities PTn. 3. The management of Margin Fund of PT Kliring Berjangka indonesia KBi. The objective was to provide banking service in derivatives clearing transactions, such as saving accounts opportunities for the investors. 4. Developing on-line system for registration and payment settlement for court cases through web in which Bank Mandiri acts as the bank to manage the case funds. Total fund under the management of institutional Banking group. Total Fund Rp44.7 Tn The institutional Banking Directorate succeeded in implementing several national scale projects in 2012 such as the national selection of entrance to state university Program snMPTn year 2012. Bank Mandiri is established as a single partner bank in this program for a period of 5 years 2008-2012. Further, the Bank also supported the selection of new students enrollment for state islamic university Program sPMB PTAin. As a business entrance-gate, the Directorate of institutional Banking together with the Product Development team, supported by iT team and related working units has developed a comprehensive solutions, products and services to meet the customers’ needs such as: 1. Hospital Billing system. This system replaced the hospital cashier functions with Bank Mandiri teller through online terminal system. The service was conducted in several Public service Agency Blu hospitals under the management of Health Ministry of the Republic of indonesia.