N PLs 0.18 0.18 13.8 1.0 5.1 4.8 Q 4 0.2 0.2 0.1 0.1 10.0 0.4 0.2 2006 Q1 Analysts Meeting

18 N PL, Provisioning Collateral D etails – Bank O nly 27.13

0.52 9.89

16.72 N PLs

Rp tn

4.51 0.18

Consumer 38.82

0.02 Corporate

N PLs Q 1 U Rp tn

22.71 0.18

Commercial

0.38 T otal

27.66 100 50 15 5 1 BMRI Policy 100 5 4 3 2 1 Collectibility N on-Performing Loans Performing Loans 50 15 15 5 100 2 BMRI pre-2005 100 50 1 BI Req. Provisioning Policy Collateral Valuation Details N on-Performing Loans by Segment „ Bank Mandiri’s current provisioning policy adheres to BI requirements „ As of 31 March ’06, loan loss provisions excess to BI requirements = Rp 133bn Collateral value is credited against cash provisioning requirements on a conservative basis. For assets valued above Rp 5bn: „ Collateral is valued only if Bank Mandiri has exercisable rights to claim collateral assets „ 70 of appraised value can be credited within the initial 12 months of valuation, declining to: ¾ 50 of appraised value within 12 to 18 months ¾ 30 of appraised value within 18 to 24 months ¾ N o value beyond 24 months from appraisal „ Collateral has been valued for 133 accounts and collateral provisions of Rp 14,642bn have been credited against loan balances of Rp 20,005bn 9,271 1,712 610 526 593 Total Cash Prov. Rp bn 5 4 3 2 1 Collectibility 68 54.8

29.6 13.8

4.40 1.0

Cash Provisions 26 1,491 19 2,529 20 of Accounts 7,790 2,832 Collateral Prov. Rp bn 19 4.5

3.6 5.1

1.2 4.8

2.9 Q 4

2005 Q 1 2006 D etails 84,767.6 1,972.6 59,005.7 902.8 4,123.9 18,762.7 Q 1 ‘06 Balance Rp bn Q 3 2005 Q 1 2006 UG to PL D G to N PL Q 2 2005 Loan Background

1.8 0.2

2.3 0.2

0.3 0.8

T otal Corporate, Commercial Small Business Loans N et Upgrades D owngrades

2.0 0.4

1.4 0.1

0.5 4.5

8.0 1.8

8.2 0.1

3.4 10.0

0.1 0.3

0.1 0.1 - 0.1

1.8 0.4

2.3 0.2

0.3 0.9

Total O verseas Post-Merger Pre-Merger IBRA Restructured Q uarterly Analysis of Upgrades and D owngrades Excluding Micro Consumer Banking downgrades and upgrades are quarterly figures N ote: For a breakdown of Corporate and Commercial loans, please refer to the detail slide in the appendix. 20 1 ,4 8 3 3 ,3 5 7 4 ,1 4 5 3 ,5 1 4 4 ,7 8 7 5 ,4 9 2 2 ,6 5 1 ,1 9 6 260 114 402 103 2 ,0 2 1 2 ,0 7 2 1 ,6 5 1 74 1 ,4 5 4 354 367 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 2000 2001 2002 2003 2004 2005 Q1 06 Gain on SaleValue of Securities FX Gain Core Earnings P re -P ro v is io n O p e ra ti n g P ro fi t IDR bn Q 1 2006 core earnings decline 19.4 from Q 1 2005 472 308 1,168 1,549 1,744 519 510 290 1,300 602 690 1,329 97 967 1,017 1,528 1,408 668 410 645 799 819 775 623 829 2000 2001 2002 2003 2004 2005 2006 Q 1 PAT Q 2 PAT Q 3 PAT Q 4 PAT

8.1 21.5