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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 96

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A. Details of loans and sharia financingreceivables continued: c.1 By economic sector: December 31, 2015 Non-impaired Impaired Total Rupiah: Trading, restaurant and hotel 90,466,211 8,450,015 98,916,226 Manufacturing 99,311,806 6,814,058 106,125,864 Business services 38,264,375 1,105,551 39,369,926 Agriculture 59,466,879 1,478,409 60,945,288 Construction 18,578,951 1,500,964 20,079,915 Transportation, warehousing and communications 17,182,722 2,503,190 19,685,912 Electricity, gas and water 12,502,285 1,359,638 13,861,923 Mining 5,019,901 2,135,630 7,155,531 Social services 5,899,004 197,071 6,096,075 Others 119,946,944 2,338,550 122,285,494 Total 466,639,078 27,883,076 494,522,154 Foreign currencies: Trading, restaurant and hotel 7,643,925 2,519,700 10,163,625 Manufacturing 18,426,393 6,814,526 25,240,919 Business services 2,578,465 330,822 2,909,287 Agriculture 9,049,586 58,570 9,108,156 Construction 931,390 40,807 972,197 Transportation, warehousing and communications 5,374,522 1,001,860 6,376,382 Electricity, gas and water 626,444 731,356 1,357,800 Mining 23,236,185 2,292,715 25,528,900 Social services 641,852 - 641,852 Others 9,854,084 81 9,854,165 Total Note 61 B.v 78,362,846 13,790,437 92,153,283 545,001,924 41,673,513 1 586,675,437 Less: allowance for impairment losses 5,507,533 16,774,309 2 22,281,842 Net 539,494,391 24,899,204 3 564,393,595 Included in “impaired portfolio” are i loans classified as sub-standard, doubtful and loss non-performing loans in accordance with Bank Indonesia regulation, ii all restructured loans over Rp5,000 Note 2c.G.a. Including loan of Subsidiary engaged in sharia banking in which allowance for impairment losses is calculated based on Bank Indonesia Regulation and SFAS No. 62 revised 2013. 1 Loans evaluated by using individual and collective assessment are amounting to Rp30,423,173 and Rp11,250,340, respectively. 2 Allowance for impairment losses calculated by using individual and collective assessment are amounting to Rp13,265,021 and Rp3,509,288, respectively. 3 Loans - net evaluated by using individual and collective assessment are amounting to Rp17,158,152 and Rp7,741,052, respectively. 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 97

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