GENERAL 1. Annual Report is presented in good

PT Bank Mandiri Persero Tbk. PT Bank Mandiri Persero Tbk. comparison between the inancial performance of the current year and that of the previous year in the form of narration and tables among others concerning: cRiTeRiA exPlAnATion PAge 13. name and address of institution and or profession supporting the capital market. information contain 1. name and address of BAe. 2. name and address of the Public Accountant’ oice. 3. name and address of the securities rating company. 70 14. Reward an certiication received by the company, both on a national scale and international scale. information contains: 1. name of the reward. 2. year of receiving the award. 3. institution presenting the award. 4. Period of validity. 72-75 15. name and address of subsidiary and or branch oice or representative oice if Any. 71 392-539

IV. MANAGEMENT ANALYS AND DISCUSSION ON COMPANY

PERFORMANCE 1. operational review per business segment Describe : 1. ProductionBusiness Activity 2. increaseDecrease in production capacity. 3. salesRevenue from business. 4. Proitability in every segment as stated in inancial statement if any 82-133 251-252 2. Description of company’s inancial performance. An analysis of the inancial performance which includes a 1. current assets, non-current assets, and amount of assets. 2. current liabilities, non-current liabilities, and amount of liabilities. 3. salesRevenue from business,overhead cost.net proitloss. 4. other comprehensive income and total proitloss 5. cash low 6-7 234-260 3. Discussion and analysis on the capacity to pay debt and the company’s collectable accounts receivable. Description about: 1. capacity to pay debts. 2. collectable account receivable. 259 4. Discussion on capital structure, capital structure policies and liquidity. Description about: 1. capacity structure. 2. capital structure policies. 3. liquidity. 258 5. Discussion on material commitment for the investment of capital goods. Description about: 1. The purpose of such ties. 2. source of funds expected to fulill the said ties. 3. currency of denomination. 4. steps taken by the company to perfect the position of related foreign currency against risk. notes: if the company does not have any commitment towards capital 280 6. if the inancial statement discloses a material increasedecrease in the sales or net income, than an explanation should be included concerning the extent that such changes can be related to Description of : 1. The number of increasedecrease of sale or net revenue 2. Factors of material increasedecrease from the sales or net revenue related to the number of goods sold and or due to new service or production 238-239 goods, it has to be stated