16,243,828,810 69.62 7,089,504,523 No. 6.75 4.5 2016Q1 Analysts Meeting

∆ fro : IPO Dec 31, 2015 BMRI 1,451.20 16.06 JCI 823.48 7.14 -200 200

400 600

800 1000

1200 1400

1600 1800

S e p -03 M ar -04 S e p -04 M ar -05 S e p -05 M ar -06 S e p -06 M ar -07 S e p -07 M ar -08 S e p -08 M ar -09 S e p -09 M ar -10 S e p -10 M ar -11 S e p -11 M ar -12 S e p -12 M ar -13 S e p -13 M ar -14 S e p -14 M ar -15 S e p -15 M ar -16 BMRI JCI No. of Investor No. of shares I DOMESTIC 1. Government of RI 1 0.01 14,000,000,000 60.00 2. Retail 14,777 79.41 226,408,717 0.97 3. Employees 1,797 9.66 11,969,418 0.05 4. Cooperatives 6 0.03 1,295,956 0.01 5. Foundation 26 0.14 19,597,245 0.08 6. Pension Funds 177 0.95 175,100,330 0.75 7. Insurance 67 0.36 413,889,702 1.77 8. Banks - 0.00 - 0.00 9. Corporations 111 0.60 655,900,713 2.81 10. Mutual Funds 227 1.22 739,666,729 3.17 Total 17,189

92.37 16,243,828,810 69.62

II INTERNATIONAL 1. Retail 87 0.47 929,249 0.00 2. Institutional 1,333 7.16 7,088,575,274 30.38 Total 1,420

7.63 7,089,504,523

30.38 No.

By 31 March 2016 III Description TOTAL 18,609 100.00 23,333,333,333 100.00 2 Results Overview Page  I do esia s E o o i Co ditio 3  Corporate Plan 4 – 5  Key Indicators + Financial Highlights 6 – 7  SBU Performance Highlights 8  Ba k s Pe fo a e 9 – 11  Loan Performance 12 – 14  ROE NIM 15 – 16  Fee-Based CIR 17 – 18  Wholesale Business 19 – 21  Retail Business 22 – 28  Non-Performing Loan Restructured Loan 29 – 33  Subsidiaries 34 – 35  Corporate Guidance 36 Additional Information Operating Performance Highlights Supporting Materials Core inflation is stable headline inflation is expected to drop Strong Capital Inflows in 1Q16 3 Source : CEIC, Bloomberg GDP started to recover but at a slow pace 2 4 6 8 10 12 14 16 18 20 Ma r- 06 Ma r- 07 Ma r- 08 Ma r- 09 Ma r- 10 Ma r- 11 Mar -12 Ma r- 13 Ma r- 14 Ma r- 15 Ma r- 16 Headline inflation YoY Core inflation YoY BI rate 10 5 - 5 10 15 15 10 5 - 5 10 15 20 1Q 10 2 Q 10 3 Q 10 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2 Q 13 3 Q 13 4Q 13 1Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3 Q 15 4 Q 15 Capital and Financial Account Current Account CA BoP 4 4.5 5 5.5 6 6.5 7 7.5 8 8.5 9 1 Q 06 3 Q 06 1 Q 07 3 Q 07 1 Q 08 3 Q 08 1 Q 09 3 Q 09 1 Q 10 3Q10 1Q1 1 3 Q 11 1 Q 12 3 Q 12 1 Q 13 3 Q 13 1 Q 14 3 Q 14 1 Q 15 3 Q 15 1 Q 16

4.92 6.75

4.45 3.50

5.80 4 1 Fee-Based Provision, Commission Fee 2 Excluding Mandiri Transaction System Deepen Client Relationship Accelerate Growth Segment Wholesale Strategy Group-wide Strategy Retail Strategy Integrate The Group Integrated Wholesale Transaction Bank Holistic Product Suite Sector-Led Solutions Through Expertise-led Client Solutions Cross-Border Coverage Supporting Clients’ Regional Needs Current Achievements 1Q 2016  Total Wholesales Fees Rp 632 Bn 1  Total Wholesale Low Cost Deposits Rp 211.7 Tn  Growth of Cash Management Transaction 18.1 2 Culture of Cross-Selling across Wholesale, Retail and Subsidiaries Engaging in Integrated Retail Initiatives with Subsidiaries and Business Units to Drive Cross-Selling Current Achievements 1Q 2016 Micro Easy Access Simple Products SME One-Stop Sales Service Individual Growing with our Customers Current Achievements 1Q 2016  Total Retail Fees of Rp 1.7 Tn 1  Total Retail Low-Cost Funds Rp 155.0 Tn  YoY increase in E-Channel transaction : 19.9  Mandiri Business Saving reaches Rp 93.1Tn V V V V V  Volume of Business Alliances :  Bank Guarantee : Rp 34.9 Tn.  Foreign Exchange : Rp 16.4 Tn.  FUM : Rp 3.6 Tn  Income Alliance Wholesale = 35.0  Auto 2 W Loan : 325 Bn  Credit Cards : 359,111 5 Programs to achieve the Corplan Aspirations 2015-2020 is structurally compiled to ensure a clear focus on each phase and to be executed directionally STRENGTHENING FOUNDATION QUALITY

1. Improving Assets Quality and Portfolio Management

2. Enhancing Distribution Network Transformation 3. Stabilizing IT Platform 4. Strengthening Business Process Re-engineering 5. Effective Cost Management 6. Subsidiaries Capital Management 7. Strengthening Human Resource and Corporate Culture 2015 2016 2017 2018 2019 2016-2017 NIM Of 6 .4 S upport s 15 .9 YoY PPOP Gr owth 22.10 24.40 22.00 22.55 22.23 20.95 18.33 12.64 2009 2010 2011 2012 2013 2014 2015 1Q16 R e turn on E qu ity Tot al CAS A Rp Bn Non P erf ormi ng Loan 186,492 201,958 256,395 316,127 359,957 380,512 443,874 406,525 2009 2010 2011 2012 2013 2014 2015 1Q16 2.79 2.42 2.21 1.87 1.90 2.15 2.60 3.18 2009 2010 2011 2012 2013 2014 2015 1Q16 7,155 9,218 12,246 15,504 18,204 19,872 20,335 5,138 2009 2010 2011 2012 2013 2014 2015 1Q15 E arni ng Aft er T a x Rp Bn 12,430 16,693 19,234 23,018 28,408 31,507 38,381 8,341 9,667 2009 2010 2011 2012 2013 2014 2015 1Q15 1Q16 P P OP Rp Bn Ne t In ter es t Mar gi n 5.04 5.28 5.11 5.46 5.74 5.97 6.08 6.42 2009 2010 2011 2012 2013 2014 2015 1Q16 Y o Y 15 .9 Y o Y -25 .7 7 Ba k Ma di i s 1Q 2016 performance across several key indicators: 1Q 2015 1Q2016  Loans Rp 532.8Tn Rp 574.7Tn 7.9 Gross NPL Ratio Net NPL Ratio 2.27 0.89 3.18 1.16 40.1 30.1 Low Cost Funds Ratio [Low Cost Funds Rp] 59.2 Rp 372.1 Tn 62.1 Rp 406.5 Tn 4.9 9.3 NIM 5.62 6.42 14.3 Efficiency Ratio 44.4 44.5 0.1 PPOP Rp 8,341 Bn Rp 9,667 Bn 15.9 Earnings After Tax Rp 5,138 Bn Rp 3,817 Bn 25.7 8 481 1,754 203 236 844 519 1,834 194 305 815 Micro Business Banking Consumer Commercial Corporate Treasury Markets 1Q 16 1Q 15 Net Interest Income Analysis 1Q 2016 Rp Bn Fee Based Income 1Q 2016 Rp Bn 891 873 76 133 1Q16 1Q15 1 ,115 1 ,174 731 478 1Q16 1Q15 1 ,136 1 ,4 9 5 474 101 1Q16 1Q15 972 987 2 ,292 1 ,6 2 4 1Q16 1Q15 1 ,708 1 ,7 1 1 ,466 1 ,175 1Q16 1Q15 967 1,006 1,846 1,652 1,610 1,596 3,264 2,611 3,174 2,876 Treasury Markets Corporate Banking Commercial Banking Consumer Banking Micro Business Banking Deposits by Product – Consolidated Rp Tn Loans by SBU + Subsidiaries Rp Tn 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 .9 203 .0 208 .0 227. 7 207 .3 211 .0 218 .1 243 .7 224 .1 12.312.7 12.2 12.013.4 13.614.0 15.315.816.8 19.0 20.7 22.123.222.3 24.7 23.325.4 29.4 28.0 24.7 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 74 .2 79 .6 78 .9 83.4 91 .7 90 .7 101 .2 95 .4 25.422.3 24.0 25.3 28.228.028.5 36.1 33.3 38.549.2 51.1 43.5 45.0 52.0 49.1 58.1 75.8 77.6 70.9 62.4 143 .5 140 .8 140 .0 148 .1 120 .8 137 .5 138. 9 150 .7 152 .8 153 .7 155 .2 176. 2 176 .9 190 .0 201 .6 222 .3 226 .2 220 .5 212 .1 206 .3 224 .4 10.312.4 15.3 17.8 15.6 20.3 20.4 16.1 24.0 29.0 28.2 20.1 20.0 20.5 27.5 33.730.5 30.526.6 26.2 24.2 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 500 520 540 560 580 600 620 640 660 680 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3Q 14 4 Q 14 1 Q 15 2 Q 15 3 Q 15 4 Q 15 1 Q 16 FX Time Rp Time FX Demand Rp Demand FX Savings Rp Savings 91 .8 102 .3 109 .3 110 .9 117.8 124 .0 128 .0 130 .2 128 .6 150.8 159 .3 167 .9 164 .7 165 .2 175 .7 175 .8 174 .5 180 .6 185 .0 198 .8 18 5.2 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 1.3 1.3 1.3 0.8 1.0

0.9 1.4

1.3 64 .7 70 .1 74 .7 80 .7 82 .5 89 .8 93 .3 102 .7 102 .0 104 .2 11 1.0 116 .9 116 .3 123 .7 127 .7 142.8 145 .1 148 .9 149 .4 160 .6 153 .7 32.4 34.3 36.339.0 40.7 43.344.5 47.749.3 52.4 55.2 56.657.460.3 62.4 64.7 65.7 67.7 69.572.373.4 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 49.0 52.0 56.0 55.3 57.9 57.9 60.5 56.1 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 31.0 32.7 34.6 37.2 39.7 40.0 42.5 44.2 30.3 34.2 38.4 40.5 40.9 43.6 46.0 48.950.9 53.5 54.9 55.5 55.355.5 54.6 54.7 54.357.0 57.9 59.4 60.9 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 500 520 540 560 580 600 1 Q 11 2 Q 11 3Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4Q 12 1 Q 13 2 Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 4 Q 14 1 Q 15 2 Q 15 3Q 15 4 Q 15 1 Q 16 Subsidiaries Micro Small Cons Comm Intl Corp Y-o-Y  20.6 0.8 7.4 14.4 8.1 Y-o-Y  1.5 5.9 6.1 57.9 5.8 7.9 574.7 Tn Total Total 628.7 Tn 655.1 Tn 4.2 12.1 9 532.8 Tn 11.8 18.8 10 Assets 1Q 2016 1Q 2015 Liabilities 1Q 2016 1Q 2015 Cash 18,440 16,756 Current Account 157,769 141,491 Current Acc w BI Other Banks 57,414 60,165 Savings 248,757 230,584 Placement w BI Other banks 58,048 62,821 Time Deposits 248,538 256,638 Advances Other 27,105 34,273 Marketable Securities 45,787 44,664 Total Deposits 655,063 628,712 Government Bonds 98,607 100,115 Loans Gross 574,704 532,824 Securities Issued 2,396 1,808 Provisions of Loans 24,099 18,240 Deposits from other banks 26,332 29,148 Net Loans 550,605 514,584 Borrowings 33,944 22,011 Reverse Repo 16,339 5,236 Other Int. Bearing Liabilities 13,122 21,202 Other Provisions 2,312 2,341 Non Int. Bearing Liabilities 57,835 60,676 Deferred Tax Assets 4,318 3,710 Equity incl. Minority Interest 118,047 104,791 Other Assets 32,388 28,366 Total 906,739 868,348 Total 906,739 868,348 11 Summary PL Rp Bn, Consolidated 1Q 4Q 1Q Y-o-Y Q-o-Q 2016 2015 2015 ∆ ℅ ∆ ℅ Interest Income 18,308 18,933 17,117 7.0 3.3 Interest Expense 5,976 6,022 6,853 12.8 0.8 Net Interest Income 12,331 12,911 10,264

20.1 4.5

Net Premium Income 706 696 681 3.7 1.4 Net Interest Income Premium Income 13,037 13,607 10,945

19.1 4.2