15,698,032,614 II INTERNATIONAL 7,635,300,719 Per 30 September 2014

∆ fro : IPO Dec 31, 2013 BMRI + 1,417.32 +28.34 JCI + 927.69 +23.07 No. of Investor No. of shares I DOMESTIC 1. Government of RI 1 0.01 14,000,000,000 60.00 2. Retail 10,732 71.77 176,791,937 0.76 3. Employees 2,119 14.17 35,191,518 0.15 4. Cooperatives 6 0.04 496,856 0.00 5. Foundation 18 0.12 13,311,846 0.06 6. Pension Funds 154 1.03 166,607,715 0.71 7. Insurance 58 0.39 366,040,936 1.57 8. Banks - 0.00 - 0.00 9. Corporations 101 0.68 359,379,620 1.54 10. Mutual Funds 178 1.19 580,212,186 2.49 Total 13,367

89.39 15,698,032,614

67.28 II INTERNATIONAL

1. Retail 75 0.50 882,980 0.00 2. Institutional 1,511 10.10 7,634,417,739 32.72 Total 1,586

10.61 7,635,300,719

32.72 Per 30 September 2014

14,953 100.00 23,333,333,333 100.00 III TOTAL No. Description 2 Results Overview Page  I do esia s E o o i Co ditio 3  9M 2014 Highlights 4  Key Indicators + Financial Highlights 5  SBU Performance Highlights 6  Ba k s Pe fo a e 7-10  Loan Performance 11-13  ROE NIM 14-15  Fee-Based CIR 16-17  NPL Movement 18-21  Subsidiaries 22  Targets Initiatives 23 Additional Information Operating Performance Highlights Supporting Materials 3 Source: BPS, Bloomberg Deficit trade balance at USD318 mn in Aug 2014 I t l ese es i p o ed to U“D111.2 bn, Aug 2014 1 1 1 .2 6.3 60 70 80 90 100 110 120 130 D e c- 9 M a r- 1 Ju n -1 S e p -1 D e c- 1 M a r- 1 1 Ju n -1 1 S e p -1 1 D e c- 1 1 M a r- 1 2 Ju n -1 2 S e p -1 2 D e c- 1 2 M a r- 1 3 Ju n -1 3 S e p -1 3 D e c- 1 3 M a r- 1 4 Ju n -1 4 4 5 6 7 8 International Reserve - LHS Import cover- RHS 6 8 10 12 14 16 18 20 Ja n -1 A p r- 1 Ju l- 1 O ct -1 Ja n -1 1 A p r- 1 1 Ju l- 1 1 O ct -1 1 Ja n -1 2 A p r- 1 2 Ju l- 1 2 O ct -1 2 Ja n -1 3 A p r- 1 3 Ju l- 1 3 O ct -1 3 Ja n -1 4 A p r- 1 4 Ju l- 1 4 -3 -2 -1 1 2 3 4 Trade Balance - RHS Export - LHS Import - LHS Cash Management • 13,629 Customers • 30.7 Mn Tx YTD 2014 2 4 Admired Financial Institution Retail Loans 1 • Rp 147.2 Tn • 32.5 of Loans • High yield loan amounting Rp 95,1 Tn Subsidiary Income • Total Rp 1.60 Tn • Sum of income from 7 subsidiaries 11.1 of EAT Alliances • Foreign Exchange: 22.2bn • Bank Guarantee: Rp 13.1tn • Fund Under Management FUM of Rp 4.97tn e-Channel Tx •1,194 Mn YTD •20 Growth of Cards Issued • Credit 3.60 Mn • Debit 11.82 Mn • Prepaid 4.43 Mn 1 Small Business, Micro and Consumers 2 Exclude Mandiri Transaction System of Accounts • Deposit 15.30 Mn • Loan 1.46 Mn including mortgage accounts of 170,139 of new Accounts YTD • Deposit 3.21 Mn • Loan 559,422 of Outlets 2,154 Branches 2,603 Micro Outlets 13,309 ATMs Ba k Ma di i s 9M 2014 performance is in line with our guidance across several key indicators: 9M 9M  Loans Rp450.8tn Rp506.5tn 12.4 Net NPL Ratio Gross NPL Ratio 0.53 1.90 0.82 2.16 54.7 13.7 Low Cost Funds Ratio [Low Cost Funds Rp] 64.3 Rp330.7 tn 61.2 Rp361.8 tn 4.8 9.4 NIM 5.41 5.73 5.9 Efficiency Ratio 42.3 44.0 4.1 Earnings After Tax Rp12,803bn Rp14,454bn 12.9 5 20.86 16.81 32.10 18.54 3.68 6.44 31.17 50.93 12.20 7.27 7.21 7.59 11.96 10.52 32.39 31.33 36.94 39.62 11.50 10.93 NII Net Interest Income Rp bn of Total Fee Income Rp bn of Total Asset Spread Rp bn of Total Liabilities Spread Rp bn 3,944 6,067 695 5,891 2,306 4,389 4,839 1,681 13,295 1,899 Corporate + Institutional Comm Business Banking Treasury, FI SAM Micro Retail Consumer Finance 3Q 12 3Q 14 3,079 5,471 501 2,234 2,291 2,730 4,391 1,478 2,688 1,871 3Q 12 3Q 14 865 597 194 3,657 16 1,659 449 204 10,607 18 3Q 12 3Q 14 22.68 20.75 40.30 33.37 3.69 11.23 16.46 20.43 16.88 14.22 601 997 2,700 3,080 959 771 1,068 1,946 4,024 1110 3Q 12 3Q 14 6 Rp 1,236Bn from SAM recoveries on WO loans 1,236 97 .1 102 .9 108 .8 121 .9 119 .8 126.5 135.4 151 .8 150 .4 159 .9 166 .2 186 .9 179.9 189 .8 198.8 214 .7 201 .9 203 .0 208 .0 9.9 10.8 11.6 11.6 12.312.7 12.2 12.0 13.4 13.6 14.0 15.3 15.816.8 19.0 20.7 22.1 23.2 22.3 47.8 50 .3 39 .9 46 .2 45 .3 47 .9 49.4 67 .3 75 .0 59 .0 63 .0 77 .9 61 .2 74 .6 63 .9 73.4 67.2 74 .2 79 .6 22.0 23.1 22.9 22.2 25.422.3 24.0 25.3 28.2 28.028.5 36.1 33.3 38.5 49.2 51.1 43.5 45.0 52.0 124.4 127 .8 127.0 147 .8 143 .5 140 .8 140 .0 148 .1 120 .8 137.5 138.9 150 .7 152 .8 153 .7 155 .2 176 .2 176.9 190 .0 201.6 11.8 11.7 11.1 12.5 10.312.4 15.3 17.8 15.6 20.3 20.4 16.1 24.0 29.0 28.2 20.1 20.0 20.5 27.5 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 500 520 540 560 580 600 1 Q 10 2 Q 10 3 Q 10 4 Q 10 1Q 11 2Q 11 3 Q 11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4Q 12 1 Q 13 2Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 FX Time Rp Time FX Demand Rp Demand FX Savings Rp Savings 74 .5 80 .7 84 .2 85 .4 85 .1 96 .2 103 .2 106 .2 113 .0 119 .2 123 .2 126.3 124.7 124 .3 130 .9 138.8 131 .8 129 .8 138 .1 0.2 0.4 1.3 1.4 1.6 1.5 1.7 1.4 1.3 1.5 1.6 1.8 1.6 1.5 1.7 2.0 2.3 1.3 1.3 49 .1 53 .1 57 .5 63 .8 64 .7 70 .1 74.7 80 .7 82 .5 89.8 93 .3 102 .7 102 .0 104 .2 111 .0 116.9 116 .3 123 .7 127 .7 24.7 26.7 28.6 30.732.4 34.3 36.3 39.0 40.7 43.3 44.5 47.749.352.4 55.2 56.657.460.3 62.4 17.7 19.3 20.5 22.723.3 25.8 27.6 30.2 30.9 33.1 35.0 38.438.442.5 43.7 46.5 46.3 49.0 52.0 5.6 6.0 6.5 7.3 7.7 8.5 9.5 11.8 13.1 15.1 16.8 19.020.7 23.9 24.9 27.0 28.2 31.0 32.7 9.7 9.1 8.6 7.8 6.7 6.1 6.1 4.6 4.8 4.8 4.9 4.0 3.9 3.9 4.2 4.2 3.9 3.9 3.8 22.6 24.3 25.029.0 31.5 33.9 20.4 22.7 24.6 27.230.3 34.2 38.4 40.5 40.9 43.6 46.0 48.950.9 53.5 54.9 55.5 55.355.5 54.6 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 380 400 420 440 460 480 500 1 Q 10 2 Q 10 3 Q 10 4Q 10 1Q 11 2 Q 11 3 Q 11 4Q 11 1 Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 Subsidiaries Inst SAM Micro Small Cons Comm Intl Corp Y-o-Y  2.6 29.9 5.8 24.6 4.6 Y-o-Y  10.1 31.4 18.9 Loans by SBU + Subsidiaries Rp Tn 15.1 5.5 Deposits by Product – Consolidated Rp Tn Previously booked in Corporate Banking Loans from Treasury International have been reallocated to Corporate following the reorganization in early 2010 25.4 17.3 12.4 506.5tn Total Total 514.2tn 590.9tn 14.9 39.4 0.6 7 450.8tn 13.1 Rp Bn, Consolidated 8 Investments include policyholders of unit linked and Investments in shares has been reclassified to cash, government bonds, marketable securites, other assets. Assets 3Q 2014 3Q 2013 Liabilities 3Q 2014 3Q 2013 Cash 15,727 14,352 Current Account 131,547 113,022 Current Acc w BI Other Banks 56,968 59,876 Savings 230,219 217,723 Placement w BI Other banks 60,395 35,474 Time Deposits 229,124 183,475 Advances Other 23,380 20,448 Marketable Securities 36,742 18,375 Total Deposits 590,890 514,221 Government Bonds 87,640 82,188 Loans Gross 506,456 450,766 Securities Issued 2,014 1,787 Provisions of Loans 17,297 16,157 Deposits from other banks 28,471 30,131 Net Loans 489,159 434,609 Borrowings 15,547 13,769 Reverse Repo 2,911 1,585 Other Int. Bearing Liabilities 12,085 13,854 Other Provisions 2,046 2,024 Non Int. Bearing Liabilities 50,120 42,578 Deferred Tax Assets 3,344 2,968 Equity incl. Minority Interest 99,034 83,742 Other Assets 23,941 32,232 Total 798,161 700,083 Total 798,161 700,083 26 ,034 19 ,243 1 8 ,9 8 4 1 4 ,9 BMRI Bank A Bank B Bank C Absolute CASA Growth As of Ju e’14 9 15.8 27.4 16.0 10.5 30.4 Cat.2 Loans Special Mention Corporate Commercial Business Banking Micro Consumer Only 3.2 of consumer loans are expected to migrate to NPL 35 yoy higher absolute CASA growth at BMRI 451,842 441,986 8,280 1,576 Total Portfolio Non- Restructured Current Non performing Restructured Bank Only Restructured loans Restructured loans are small and mostly performing 10 Summary PL Q3 2014 Q2 2014 Q3 2013 9M 2014 9M 2013 9M Y-o-Y Y-o-Y Q-o-Q Rp Bn Rp Bn Rp Bn Rp Bn Rp Bn ∆ ℅ ∆ ℅ ∆ ℅ Interest Income 15,984 14,978 12,683 45,275 35,798 26.5 26.0 6.7 Interest Expense 6,608 5,855 4,403 17,797 12,380 43.8 50.1 12.9 Net Interest Income 9,376 9,123 8,280 27,479 23,418 17.3 13.2 2.8 Net Premium Income 724 675 698 1,984 2,021 1.9 3.8 7.2 Net Interest Income Premium Income 10,100 9,798 8,978 29,463 25,439 15.8 12.5 3.1 Other Non Interest Income Other Fees and Commissions 2,255 2,212 2,132 6,598 6,098 8.2 5.8 1.9 Foreign Exchange Gains - Net 404 380 881 1,188 1,506 21.1 54.2 6.3 Gain fr. sale Incr. in Val Sale of Bonds 71 41

108 270

177 na na 73.7 Others 889 1,112 899 2,836 2,904 2.3 1.2 20.0 Total Non Interest Income 3,620 3,745 3,805 10,892 10,330 5.4 4.9 3.3 Total Operating Income 13,720 13,543 12,783 40,354 35,769 12.8 7.3 1.3 Provisions, Net 909 1,624 1,494 3,750 4,005 6.4 39.1 44.0 Personnel Expenses 2,752 2,662 2,679 8,041 7,057 13.9 2.8 3.4 GA Expenses 2,958 2,693 2,375 7,961 6,731 18.3 24.5 9.9 Loss from decr. in value of Sec Gov Bonds - - - - - - - - Other Expenses 680 475 429 1,631 1,404 16.2 58.7 43.2 Total Expense 6,391 5,830 5,483 17,633 15,192 16.1 16.6 9.6 Profit from Operations 6,419 6,089 5,807 18,971 16,572 14.5 10.6 5.4 Non Operating Income 15 10 65 20 177 88.4 76.7 54.3 Net Income Before Tax 6,434 6,098 5,871 18,992 16,749 13.4 9.6 5.5 Net Income After Tax 4,868 4,661 4,509 14,454 12,803 12.9 8.0 4.4 175.2 181 .6 188 .3 198 .5 201 .9 218 .0 231 .9 246 .2 251 .8 276 .7 297.5 314 .4 327.2 350.4 365 .2 388 .8 391.6 428 .7 450 .8 472 .4 470 .4 485 .8 506 .5 63.2 62.2 62.8 61.4 64.1 66.3 71.7 67.6 70.2 75.9 78.7 74.1 80.7 83.4 84.4 83.5 85.0 87.3 84.5 88.0 87.0 85.3 1Q 09 2 Q 09 3 Q 09 4Q 09 1 Q 10 2 Q 10 3 Q 10 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4 Q 11 1 Q 12 2Q 12 3 Q 12 4Q 12 1Q 13 2 Q 13 3 Q 13 4Q 13 1 Q 14 2 Q 14 3 Q 14 Loans Rp tn LDR 1.4 3.73.7 5.5 1.7 7.96.4 6.2 2.3 9.9 7.5 5.7 4.1 7.1 4.2 6.5 0.7 9.5 5.1 4.8 -0.4 3.3 4.2 30.5 21.4 15.7 13.8 15.3 20.0 23.2 24.0 24.7 26.9 28.3 27.7 30.0 26.6 22.8 23.7 19.7 22.3 23.4 21.5 13.3 12.4 1Q 09 2 Q 09 3 Q 09 4 Q 09 1 Q 10 2 Q 10 3 Q 10 4 Q 10 1 Q 11 2 Q 11 3Q 11 4 Q 11 1Q 12 2Q 12 3 Q 12 4 Q 12 1Q 13 2 Q 13 3 Q 13 4 Q 13 1 Q 14 2 Q 14 3 Q 14 QoQ Growth YoY Growth Quarterly Loan Data Consolidated 78 .8 79 .7 82 .0 82 .7 82 .9 88 .7 92.8 93 .6 92 .5 103 .1 110 .4 111. 7 118 .6 125. 2 129. 3 131 .7 129 .9 151 .9 153 .5 169 .7 166 .7 166 .3 176. 8 42 .6 43 .6 45 .3 50 .6 50.4 54 .2 58.6 64.7 64 .5 70 .7 75 .3 81 .1 82 .9 90 .1 93 .6 103. 102 .3 104 .4 118 .2 117 .1 1 1 6 .5 123 .9 127. 9 14.4 15.816.6 17.418.0 19.7 20.7 22.824.5 25.9 27.7 30.3 30.9 33.2 35.138.5 38.5 42.5 44.1 46.5 46.3 49.0 52.0 4.6 4.8 5.1 5.4 5.6 6.0 6.5 7.3 7.7 8.5 9.5 11.8 13.1 15.1 16.8 19.0 20.7 23.9 24.9 27.0 28.2 31.0 32.7 19.7 20.621.7 23.624.8 26.7 28.6 30.732.4 34.3 36.3 39.0 40.7 43.3 44.5 47.749.3 52.4 55.2 56.6 57.4 60.3 62.4 1 Q 09 3 Q 09 1 Q 10 3 Q 1 1 Q 11 3 Q 11 1 Q 12 3 Q 12 1 Q 1 3 3 Q 13 1 Q 1 4 3 Q 1 4 Corporate Commercial Small Micro Consumer Quarterly Loan Segment Details Bank Only Y-o-Y  13.1 31.4 18.0 8.3 15.1 14.2 Total 13.8 7.2 11.5 28.3 39.1 Break down As of Sep 2014; Non-consolidated numbers 11 34 .56 3 5 .24 37 .83 36 .49 35 .64 31 .15 29 .19 29 .75 3 .62 3 3 .96 35 .68 38 .86 38 .60 41 .87 44 .44 40 .35 41 .88 4 5 .47 45 .73 49 .62 48 .17 53 .29 5 9 .79 67 .75 6 2 .22 6 2 .95 72 .24 104.5 95.9 111.0 80.5 78.3 68.5 61.9 68.2 71.7 76.3 80.7 86.6 82.9 91.5 89.0 75.8 76.0 76.2 75.4 76.4 68.0 65.1 64.3 69.0 72.0 71.3 74.2 50 60 70 80 90 100 110 120 Mar 08 Ju n e 08 Sep 08 De c 08 Mar 09 Ju n e 09 Sep 09 De c 09 Mar 10 Ju n e 10 Se p 10 De c 10 Mar 11 Ju n e 11 Sep 11 De c 11 Mar 12 Ju n 12 Sep 12 De c 12 Mar 13 Ju n 13 Sep 13 De c 13 Mar 14 Ju n e 14 Se p 14 20 30 40 50 60 70 Loan Fx LDR FX USD Billion Rp Trillion Bank Only Breakdown of FX lending Bank Only 3 Q 14 Total USD 5.929 Bn 0.00 0.10 0.21 0.35 0.36 0.39 0.58 0.59 0.62 1.34 1.38 Soc Serv Constr Utilities Bus Serv Trans Agri Mining Trading Oth Oil Gas Mfg  YoY 2 16 1,504 -2 -19 2 16 40 -6 -11 -72 FX Loans LDR 12 430.38 81.98 25.05 32.42 3.92 1.73 0.86 451.84 2Q14 Disburs. Install. Payment Pay-off FX Impact Write- Offs 3Q 14 44.43 18.18 7.32 7.10 4.93 81.98 Corporate Commercial Small Micro Cons Fin Total Loan Movement Rp tn – Bank Only 3Q 2014 Loan Disbursement by Segment in 3Q Rp tn – Bank Only 13 42.6 58 .1 72 .5 91 .9 108 .9 115 .9 112 .2 134 .0 172 .9 19 5.8 242 .4 352 .5 400 .2 491.3 505.9 13 .3 15.4 17 .0 25 .5 27 .5 27 .4 28 .4 28 .3 27 .2 30 .5 35.7 53 .3 62 .0 73 .9 83.3 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 RWA Rp tn Total Capital Rp tn 31.3 26.4 23.4 27.7 25.3 23.2 24.6 20.8 15.7 15.4 13.4 15.3 15.5 14.9 16.5 CAR 308 1,168 1,549 1,744 519 510 1,027 1,390 1,400 2,003 2,681 3,403 4,303 4,925 1,300 602 690 1,329 97 305 1,113 1,221 1,526 2,031 2,543 3,744 3,991 4,660 967 1,017 1,528 1,408 610 372 1,040 1,345 1,693 2,352 2,850 3,972 4,509 4,869 645 799 819 775 -623 1,234 1,166 1,390 2,536 2,833 3,073 4,385 5,401 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 Q4 PAT Q3 PAT Q2 PAT Q1 PAT IDR bn Bank Only - Capital RWA Movement Profit After Tax ROE 21.5 26.2 23.6 22.8 2.5 10.0 15.8 18.1 22.1 24.2 22.0 22.6 22.2 20.8 RoE - AT • CAR inclusive of Credit and Market Risk started in December 2004 • CAR inclusive of Credit, Market and Operational Risk started in January 2010 • CAR under BASEL III in December 2013 was 16.7 14 1.1Tn from GIAA Recovery 1,099 15 4 .3 3 .6 4.9 4 .7 5.1 5 .5 6 .0 5 .4 5 .5 5.3 4 .9 5 .3 5 .1 5 .2 6 .0 5 .8 5 .1 5 .4 5.2 5 .4 5.2 5 .5 5 .8 5 .7 5 .5 5.3 5 .7 6.1 5 .9 5 .9 5 .8 4 Q 04 4 Q 05 4 Q 06 4Q 07 1 Q 08 2Q 08 3 Q 08 4 Q 08 1 Q 09 2 Q 09 3Q 09 4 Q 09 1Q 10 2 Q 10 3 Q 10 4 Q 10 1 Q 11 2 Q 11 3 Q 11 4Q 11 1 Q 12 2Q12 3 Q 12 4 Q 12 1 Q 13 2 Q 13 3Q13 4 Q 13 1Q 14 2 Q 14 3 Q 14 NIM 8.9 11.0 9.2 10.5 9.9 9.4 8.7 9.0 8.7 8.2 8.1 8.4 8.2 8.1 7.8 8.3 9.0 9.1 9.2 9.6 4.8 7.3 6.4 4.5 4.3 4.2 5.5 4.8 4.0 3.8 3.7 3.2 2.8 2.7 2.7 2.8 2.6 2.8 3.1 3.3 3.5 3.9 Yield on Assets Cost of Funds Quarterly Net Interest Margins Quarterly Yields Costs by Currency 6.6 5.8 6.8 6.5 6.6 5.8 6.4 5.2 5.2 5.0 7.2 5.1 4.9 4.7 5.3 4.8 5.4 5.0 4.9 4.8 4.5 4.5 5.1 4.4 4.5 4.5 3.4 2.7 2.6 3.0 2.7 2.3 2.1 1.5 0.8 0.7 0.8 0.3 0.5 0.6 0.6 0.7 0.7 0.7 0.6 0.6 0.7 0.8 0.7 0.7 5 1 Q 08 2 Q 08 3 Q 08 4 Q 08 1 Q 09 2Q 09 3 Q 09 4Q 09 1 Q 10 2 Q 10 3 Q 10 4 Q 10 1Q11 2 Q 11 3Q11 4 Q 11 1 Q 12 2 Q 12 3 Q 12 4 Q 12 1 Q 13 2Q13 3 Q 13 4Q13 1 Q 14 2 Q 14 3 Q 14 11.2 11.1 12.1 12.9 12.8 12.2 13.1 12.7 11.8 12.1 11.9 12.5 11.4 11.8 11.3 11.2 10.8 11.1 11.8 11.8 12.0 12.4 7.9 10.6 8.5 7.2 6.8 6.2 6.5 4.9 3.9 3.3 4.0 3.9 4.7 5.3 5.4 5.9 5.7 4.5 4.0 5.8 5.9 5.3 4.7 4.4 4.3 4.2 4.2 3.1 3.0 3.1 3.3 3.7 3.9 4.1 4.6 5 10 15 20 Avg Loan Yield Avg Bond Yield Avg COF IDR FX 16 Breakdown of Q3 2014 Non-Loan Related Fees Commissions Rp bn Non-Loan Related Fees Commissions Q3-2014 Q2-2014 Q3-2013 Y-o-Y  Q-o-Q  Administration Fees 696 657 608 14.4 5.9 Opening LC, BG Cap Market custodian trustee 225 218 192 16.9 3.0 Subsidiaries 387 376 370 4.5 2.8 Transfer, Retail Transaction 368 381 353 4.3 3.6 Credit Cards 374 352 299 25.2 6.4 Mutual Fund, ORI Bancassurance 86 88 91 5.8 2.2 Syndications 33 28 58 42.2 20.9 Payroll Package 21 18 19 5.6 14.0 Others 66 95 142 53.3 29.9 Total 2,255 2,212 2,132 5.8 1.9 Foreign Exchange Gains 404 380 881 54.2 6.3 Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 71 41 108 166.4 73.7 Cash Recoveries 549 761 598 8.2 27.8 Others 341 351 302 12.9 2.8 Total Fee Based Income As Reported 3,620 3,745 3,805 4.9 3.3 Total Operating Income 13,720 13,543 12,783 7.3 1.3 of Non Loan Related fees to total opr. Income As Reported

26.4 27.7