Credit Card AR Mandiri English 2015

115 annual report 2015 mandiri, friend of the nation • Forward Rate Agreement • Cross Currency Swap

D. Trade Products Services

• Letter of Credit LC o LC Issuance Amendment o Forfeiting LC Advising o LC Negotiation o LC Conirmation o Export Bills Collection o Documentary Collection o Export Usance Bills Discounting • Surat Kredit Berdokumen Dalam Negeri SKBDN • Bill Purchasing LC dan Non LC • Bank Guarantee and Standby Letter of Credit SBLC • Mandiri Bill Collection Mandiri Virtual Account, Mandiri Bill Payment dan Mandiri Bill Aggregator • Wesel Export Financing trade Finance Products • Bilateral Trade Financing • Export Credit Agency ECA Covered Buyers Credit • Risk Participation • Bank Guarantee under Counter Guarantee • Reimbursing Bank • Inter Mandiri Transaction • Forfeiting Derivative • Trust Receipt High Yield Investment Product • Usance Payable at Sight UPAS Financing mandiri e-fx Service

D. Agency Services

Jasa Custodial Services • General Custody • Sub Registry Surat Utang Negara SUN Sertiikat Bank Indonesia SBI • Local Custody for ADRGDR Program • Mutual Fund Administration • Discretionary Fund Administration • Euroclear • KIK-EBA Administration Trustee Services • Trustee • Paying Agent • Security Agent • Escrow Agent • Receiving Bank Wealth Management • Mutual Fund Product o Money Market Mutual Funds o Fixed Income Mutual Funds o Mixed Mutual Funds o Shares Mutual Fund o Protected Mutual Funds o Index Mutual Funds • Securities Products o Retail State Bond o Sukuk Investment Bonds Retail o Referral Retail Brokerage

e. Credit Card

Visa • Mandiri Visa Silver Card • Mandiri Visa Gold Card • Mandiri Visa Platinum Card • Golf Card GoldPlatinum • Hypermart Card SilverGold • Corporate Card Master Card • Everyday Card • SKYZ Card • Feng Shui Card

F. E-Channel Services

• Mandiri Internet Mandiri Business Internet • Mandiri SMS • Mandiri Mobile • Mandiri ATM • Mandiri Call • Mandiri EDC • Mandiri Clickpay • Mandiri e-money • Mandiri e-cash • Mandiri Branchless Banking 116 annual report 2015 mandiri, friend of the nation

G. Mandiri Cash Management

• Mandiri Cash Concentration • Mandiri Notional Polling • Mandiri Cash Management System • Mandiri Virtual Account • Mandiri Cashier Cash Management • Mandiri Corporate Collection

H. Other Services

treasury • Mandiri Money Transfer • International Cheque Collection • Mandiri Direct Settlement • Vostro Account • Financial Advisory • Bank Reference • Intra-day Facility for Securities Company • Overnight Facility for Securities Company • Payment Bank for Indonesian Central- Securities Depository KSEI Mandiri Financial Advisory • Arranger • Agency Facility Agent, Security Agent, Escrow Agent Paying Agent Payment • BillUtilities paymentBPJS Payment • e-Tax Payment • Mandiri easy-Rincian Transaksi Ekspor RTE • Interface ERP SAPOracle • Online Purchasing System for Pertamina Product • Payroll • Cash Pick up Delivery • Petty cash card • Special Aerogram • Fleet Card Bancassurance Product • Regular Premium Unit Link: o Mandiri Prosperous o Mandiri Prosperous Sharia o Mandiri Prosperous Intelligent • Single Premium Unit Link: o Mandiri Investment Plus Prosperous o Mandiri Investment Plus Prosperous Sharia • Health Protection o Mandiri Jiwa Sejahtera o Mandiri Jiwa Prioritas o Mandiri Secure Plan o Mandiri Kesehatan Global o Mandiri Kesehatan Prima o Mandiri Kesehatan Optima o Mandiri Jaminan Kesehatan o Mandiri Hospitalife o Mandiri Proteksi Kanker o Personal Accident • Corporate Solutions o Mandiri Corporate Saving Plan o Mandiri Corporate Health Plan o Mandiri Corporate Life Plan o Mandiri Corporate Cash Plan

I. Financial Institutions Pension Fund Products DPLK

• Money Market Investments Package • Fixed Income Investment Package • Shares Investment Package • Combination of Investment Package 117 annual report 2015 mandiri, friend of the nation [this page is intentionally left bank] 118 annual report 2015 mandiri, friend of the nation shareholder structure and composition Information on Principal and Controlling Shareholders 30.35 9.65 60 Bank Mandiri Shareholders in 2015 The Government of the Republic of Indonesia Domestic Investors International Investors The remaining shares of 40 are distributed to institutional and retail investors, both domestic and international shareholders, with shareholding of not more than 5 respectively. There are no strategic investors in the list of the Bank’s shareholders other than the Government of Indonesia which holds the majority of the ownership. As the Stock Administration Bureau appointed by Bank Mandiri, Datindo Entrycom has recorded and iled every nominee account as one shareholder, with the following composition: The majority shareholder of Bank Mandiri is the Government of the Republic of Indonesia with an ownership of 60. 119 annual report 2015 mandiri, friend of the nation Largest Shareholder Group Until December 31, 2015, the number of Bank Mandiri shareholders decreased by 54.91 to 21,924 shareholders, consisting of 20,482 domestic shareholders and 1,442 international shareholders, compared to last year’s 22,384 shareholders. Bank Mandiri Shareholder Composition per December 31, 2015 1. The Government of the Republic of Indonesia RI 2. Individuals 3. Employees 4. Cooperatives 5. Foundations 6. Pension Funds 7. Insurance Companies 8. Banks 9. Limited Liability Companies 10. Mutual Funds Sub total Description No. of Investor No. of Shares 1 17,977 1,816 8 29 195 91 - 134 231 20,480 0.00 82.00 8.28 0,04 0.13 0.89 0.42 0.00 0.61 1.05 93.42 60.00 1.13 0.10 0.01 0.09 0.78 1.86 0.00 2.69 2.99 69.65 14,000,000,000 263,459,960 22,727,018 1,426,656 21,268,745 183,054,230 433,192,751 - 628,711,398 698,731,242 16,252,572,600 1,053,749 7,080760,984 7,080,760,733 23,333,333,333 98 1,344 1,442 21,924 0.45 6.13

6.58 100.00