SEGMENT INFORMATION continued Bank Mandiri Tbk Eng 31 Des 2015 Released

PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 197

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Geographical Segment The principal operations of the Group is managed in Indonesia, Asia Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, Western Europe England and Cayman Islands. Information concerning the geographical segments of the Group is set out in the table below: Information on geographical segment for the year ended December 31, 2015: Cayman Indonesia Asia West Europe Islands Consolidated Consolidated statement of profit or loss and other comprehensive income Interest and sharia income 70,785,127 498,088 48,064 238,848 71,570,127 Interest and sharia expense 26,137,564 59,491 7,602 2,367 26,207,024 Net interest and sharia income 44,647,563 438,597 40,462 236,481 45,363,103 Net premium income 3,137,070 - - - 3,137,070 Net interest and sharia and premium income 47,784,633 438,597 40,462 236,481 48,500,173 Other operating income: Other fees and commissions 9,890,713 108,816 - 15,281 10,014,810 Others 8,324,401 27,651 9,464 2,352 8,363,868 Total 18,215,114 136,467 9,464 17,633 18,378,678 Allowance forreversal of impairment losses 12,017,145 82,013 2,194 54,435 12,042,529 Unrealised gainslosses from fair value increasedecrease marketable securities, government bonds, and policyholders’ investment 18,621 315 - - 18,306 Gain on sale of marketable securities and government bonds 272,315 3,229 - 45 275,499 Other operating expenses: Salaries and employee benefit 12,207,391 138,417 21,917 8,930 12,376,655 General, administrative expenses and others 16,220,389 108,800 21,055 27,644 16,377,888 Total 28,427,780 247,217 42,972 36,574 28,754,543 Non operating incomeexpense - net 39,456 3,215 - 12,213 30,458 Tax expense 5,184,006 31,373 1,653 - 5,217,032 Net income 20,663,966 221,220 7,495 259,717 21,152,398 Net income attributable to: Non controlling interest - - - - 817,430 Parent entity - - - - 20,334,968 Consolidated statement of financial position Loans 565,407,232 13,895,797 61,582 7,310,826 586,675,437 Total Asset 876,142,485 21,856,619 2,543,040 9,521,265 910,063,409 Demand deposit wadiah demand deposits 169,257,095 2,871,186 26,207 - 172,154,488 Saving deposit wadiah saving deposits 247,459,462 1,492,177 - - 248,951,639 Time deposits 199,410,001 1,816,203 - - 201,226,204 Total deposit from customers 616,126,558 6,179,566 26,207 - 622,332,331 Total Liabilities 702,900,723 21,854,051 1,896,441 9,547,490 736,198,705 PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated 198

56. SEGMENT INFORMATION continued