10 FINAL VERSION AM 2013 (FULL VERSION)

12,655 16,202 11,216 8,599 13,442 17,501 15,909 15,918 17,255 17,124 19,559 18,838 18,886 18,824 19,054 16,924 14,846 14,292 13,336 12,986 13,944 13,606 15,676 14,856 15,626 16,989 24 .8 9 .1 14 .9

9.1 10

.4 9.5 6 .9 4 .1 4 .3 3 .8 4.0 4.0 - 2 ,000 4 ,000 6,0 00 8 ,000 10 ,000 12 ,000 14 ,00 16 ,000 18 ,00 20 ,000 Q401 Q402 Q403 Q404 Q405 Q406 Q407 Q408 Q109 Q209 Q309 Q409 Q110 Q210 Q310 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 Sp eci al M en ti on Loa n Cat 2 NPL Mov e m e n t - C onsol ida te d 34.90 19.80 9.70 7.30 8.60 7.10 25.28 16.34 7.17 4.73 2.79 2.56 2.54 2.60 2.42 2.60 2.42 2.56 2.21 2.22 2.07 2.04 1.87 2.08 1.89 70 .0 146 .7 129 .5 190 .4 139.1 128.8 44 .4 127 .1 200 .5 219 .1 192.4 172 .2 155.5 174 .2 185 .1 189.6 193 .4 177 .2 185 .5 Q4 99 Q4 00 Q4 01 Q4 02 Q4 03 Q4 04 Q4 05 Q4 06 Q4 07 Q4 08 Q4 09 Q1 10 Q2 10 Q3 10 Q4 10 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 Gro ss N PL Rat io Pr o vN PL Gr oss NPL s 1. 9 , coverage at 18 5. 5 - Cat egory 2 stabl at 4. C a te g or y 2 Loan s 28 NPLs Rp tn Q  Rp tn NPLs Corporate 2.46 0.17 1.62 Commercial 1.17 0.34 1.12 Small 1.23 0.49 2.89 Micro 0.85 0.54 3.56 Consumer 0.97 0.14 1.84 Total 6.68 1.34 1.77 Non-Performing Loans by Segment Excluding loans to other banks. Movement by Customer Segment Rp Bn 6.52 0.15 0.79 0.21 0.38 0.11 6.68 Q1 13 UG to PL DG to NPL Payment Write-Offs Other Q2 13 Non-Performing Loan Movements Rp tn – Bank Only 29 - 7 - - 46 - 21 300 113 68 282 102 63 156 163 - 100 200 300 400 500 600 700 800 900 UG to PL DG to NPL WO Corp Comm Micro Small Cons Total Loans originated since 2005 Net Upgrades Downgrades Q2 2013 Details Loan Background Q Balance Rp bn Q2 2011 Q3 2011 Q4 2011 Q1 2012 Q2 2012 Q3 2012 Q4 2012 Q1 2013 Q2 2013 DG to NPL UG to PL Corporate 139,326.67 - 0.20 0.29 - 0.03 0.01 0.25 0.00 0.01 0.01 0.00 Commercial 98,750.89 0.05 0.13 0.00 0.25 0.15 0.05 0.27 0.24 0.05 0.05 0.00 Small 39,027.79 0.91 0.91 0.29 0.77 0.70 0.84 0.49 1.28 0.59 0.75 0.16 Micro 23,752.00 1.69 1.93 1.03 1.51 1.30 1.37 1.00 1.25 1.10 1.19 0.09 Consumer 51,874.19 0.28 0.33 0.08 0.32 0.24 0.25 0.07 0.28 0.18 0.29 0.12 Total 352,731.54 0.22 0.34 0.21 0.28 0.23 0.22 0.11 0.34 0.18 0.22 0.04 downgrades and upgrades are quarterly figures 30 Total Assets Rp58.5 tn Bond Trading Volume Rp23.9 tn Total Assets Rp16.0 tn Total Loans Rp654bn Total Financing Rp5.4tn Total Financing Rp48.4 tn Equity FI Underwriting Rp5.9 tn Annual FYP Rp 1,545.3 bn Net Interest Margin 10.80 Net Interest Margin 2.96 Total Deposits Rp51.3 tn Equity Trading Volume Rp61.1 tn Fee Contribution Rp269.9 bn ROA 1.66 ROA 4.63 ROE 17.54 ROE 13.00 ROE 67.45 ROE 7.94 ROE 30.27 • Remain the leader in syariah financing • Capital injection program over 3 years • Cross-sell syariah products to Mandiri customers • Expansion of business to fully utilize current capital base • Cross-sell capital market services to broad range of Mandiri customers • Refocus business toward higher fee income • Provide end-to-end bank assurance business • Continue to build cross- sell opportunities in various segments • Bank assurance products complete our suite of consumer offerings • Enhance operating model • Improve risk management systems and IT • Improve productivity • Use Ba k Ma di i s network and customer throughout Indonesia to develop multi-finance segment, especially in vehicle-ownership financing. Investment Banking Syariah Banking Insurance Niche Banking Bank Sinar Harapan Bali Multi-Finance 31 375 566 852 966 1,1 46 587 302 78 257 576 884 761 1,0 54 1 ,110 398 341 425 606 694 1 ,306 1,3 69 1 ,656 1 ,530 1 ,592 981 1 ,771 1 ,478 1 ,728 Q 1 1 Q 2 10 Q 3 1 Q 4 1 Q 1 11 Q 2 11 Q 3 11 Q 4 11 Q 1 1 2 Q 2 12 Q 3 12 Q 4 12 Q 1 13 Q 2 13 JF Non JF Total Booking and the Breakdown for Joint Financing and Non JF Breakdown of Financing 405 539 806 1 ,101 1,3 70 1 ,364 1 ,245 1,3 55 1 ,353 1 ,609 1 ,420 2 ,075 2,1 05 2,4 16 309 306 351 372 350 422 342 312 373 486 396 401 372 346 61 79 118 99 118 109 84 67 60 72 49 56 56 76 Q 1 10 Q 2 10 Q 3 1 Q 4 1 Q 1 11 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 Q 3 1 2 Q 4 12 Q 1 13 Q 2 1 3 Motorcycle Used Car New Car H1 2013 Performance 32 Rp Bn H1 2013 H1 2012 Change Loans 13,337 9,876 35.04 Net Income after tax 85.42 50.04 70.72 Approval Rate 88.24 89.87 1.81 Disbursement 5,370 3,954 35.81 NIM 2.96 3.22 0.26 ROA 4.63 3.97 0.66 ROE 30.27 23.03 7.24 CER 45.48 47.78 2.30 NPL 1.51 1.59 0.08 AXA Man di ri Fi nan ci al Servi ces Performances N e t Pr o fi t Af ter Ta x i n Bn An n u al Fi rs t Yea r Pr em iu m AFY P i n Bn Of P o lic yho ld er s 89 90 245 235 171 183 237 255 258 234 262 259 298 270 1Q 10 2Q 10 3Q 10 4Q 10 1Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2Q 12 3Q 12 4Q 12 1Q 13 2Q 13 403 599 549 673 820 742 769 946 796 892 712 667 695 850 1Q 10 2Q 10 3Q 10 4Q 10 1Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2Q 12 3Q 12 4Q 12 1Q 13 2Q 13 4.7 Yo Y Gr o w th 710,481 810,604 892,582 1,518,536 1,602,778 1,638,543 1,695,242 1,744,124 1,790,508 1,858,702 1,878,121 1,918,703 1,966,698 1,966,698 1Q 10 2Q 10 3Q 10 4Q 10 1Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2Q 12 3Q 12 4Q 12 1Q 13 2Q 13 5.8 Y o Y Gr o w th 15 .4 Yo Y Gr o w th 6 .3 6 .3 6.6 6 .2 6.2 6 .4 6 .6 6 .0 5 .9 6 .9 7.5 6 .9 6 .9 7.0 7 .4 7 .1 7 .3 Q 4 07 Q4 8 Q 4 09 Q1 1 Q 2 10 Q 3 10 Q 4 10 Q 1 11 Q 2 11 Q311 Q 4 11 Q 1 12 Q212 Q 3 12 Q 4 12 Q 1 13 Q 2 13 12.4 13.0 12.7 12.0 12.1 12.1 12.3 13.3 13.2 13.2 13.0 11.5 12.0 12.2 12.4 12.3 12.4 5 .4 5 .7 5 .6 4 .7 4 .9 5.0 5 .1 5.0 5 .5 5 .4 5 .2 4 .5 4.7 4 .5 4 .5 4.6 4 .0 1 .31 13 .25 16 .06 17 .65 19 .87 2 1 .44 23 .97 27 .09 3 .01 34 .41 36 .73 37 .44 39 .93 41 .82 4 4 .50 46 .30 4 8 .40 Q 4 07 Q 4 08 Q 4 09 Q 1 10 Q2 10 Q 3 10 Q 4 10 Q1 11 Q 2 11 Q 3 11 Q 4 11 Q 1 12 Q 2 12 Q3 12 Q 4 12 Q1 13 Q 2 13 Financing 34

91.1 89