As a State Owned Bank

PT Bank Mandiri Persero Tbk. amounted to 25 of the Bank’s capital; • Temporary investment activities for loan recovery; • Other services, and • Other activities commonly conducted by the Bank in complicance with the laws and regulations. 2 Banks are required to extend credit or inancing to productive enterprises at lowest 65 sixty ive percent of the total loans or inancing.

d. BOOK 4

capital: ≥ Rp30 trillion 1 is allowed to conduct all business activities referred to in Book 3 both in rupiah and foreign currency and equity investments in inancial institutions in indonesia andor the entire overseas territories with the highest total investment amounted to 35 of the Bank’s capital. 2 Banks are required to extend credit or inancing to productive enterprises at the lowest 70 seventy percent of the total loans or inancing. OFFiCe neTWORK a. The Bank must obtain a permit from Bank indonesia prior to create Oice Network in the form of: 1 Branch oice, or 2 Representative oices and other oices abroad, with the following conditions: • BOOKS 1 and 2 are not permitted to open Representative Oice and other oices abroad; • BOOK 3 is permitted to open Oices Network limited in the Asian region; and • BOOK 4 is permitted to open Oice Network on all overseas territories. The Opening of Bank Oice Network in addition to the above oices must be reported and obtained the conirmation from Bank Indonesia. b. Opening of a Bank Network Oice shall meet the following requirements: 1 Bank Soundness with a rating of 1 one, 2 two, or 3 three for 1 one year, and 2 The availability of core capital allocation based on location and type of oice Theoretical Capital. Calculation of core capital allocation availability for Opening Oice Network is obtained by multiplying the coeicients zone for the location of the Oice Network with investment of oice network in accordance to the BOOKS. c. In considering the allocation of core capital availability for opening Oice Network, Bank Indonesia determine that: 1 Zoning on the degree of saturation of the Bank and equitable development; 2 Coeicient of each zone; and 3 The investment costs for Opening the Bank Oice Network for each BOOK. d. Although one of the requirements in point 2, is not met, the Bank can carry out in Opening Oice Network, if: 1 Credit or inancing to: • SMEs at the lowest 20 twenty percent of the total loan portfolio or inancing, or • SMEs at the lowest 10 ten percent of the total loan portfolio or inancing, and 2 Capital accumulation

7. Bank Indonesia Regulation No. 1427PBI2012 on the

Implementation of Anti-Money Laundering and Combating the Financing of Terrorism for Commercial Banks