18.1 7.4 GA Expenses 16.6 BMRI 1Q14 Analyst Presentation FULL VERSION

Breakdown of 1Q 2014 Non-Loan Related Fees Commissions Rp Bn 17 Non-Loan Related Fees Commissions 1Q-2014 4Q-2013 1Q-2013 Y-o-Y Q-o-Q Δ Δ Administration Fees 644 863 519 24.2 25.4 Opening LC, BG Cap Market custodian trustee 230 236 173 33.0 2.4 Subsidiaries 379 419 389 2.4 9.5 Transfer, Retail Transaction 334 426 286 16.9 21.6 Credit Cards 291 297 265 10.0 2.1 Mutual Fund, ORI Bancassurance 86 99 77 10.9 13.2 Syndications 24 31 13 87.9 22.1 Payroll Package 17 19 15 13.5 7.3 Others 132 216 124 5.8 38.8 Total 2,130 2,606 1,861

14.9 18.1

Foreign Exchange Gains 404 347 226 78.9 16.5 Gains Fr Sale Incr. in Value of Sec. Gov. Bonds 158 3 46 244.7 na Cash Recoveries 526 842 904 41.8 37.5 Total Operating Income 13,092 14,140 11,338

15.5 7.4

of Non Loan Related fees to total opr. income 16.3

18.4 16.41

0.9 11.7

827 1,0 04 1,1 10 1 ,384 1 ,051 1 ,265 1,4 59 1,6 82 1,5 24 1,5 10 1 ,883 2 ,107 1,6 14 2,0 04 2 ,071 2,5 65 2,0 34 2,3 22 2,3 75 3 ,167 2 ,309 1 ,116 1,3 90 1,0 19 1,3 28 1,3 06 1 ,375 1 ,485 1,6 12 1,5 47 1 ,631 1,6 71 1,9 03 1,8 65 1,9 39 1 ,869 2 ,372 2 ,042 2,3 36 2,6 79 2,3 74 2,6 26 1 Q 09 2 Q 09 3Q 09 4Q 09 1 Q 10 2Q 10 3Q 10 4Q10 1Q 11 2 Q 11 3 Q 11 4 Q 11 1Q12 2Q12 3Q12 4Q12 1 Q 13 2 Q 13 3Q 13 4Q13 1 Q 14 GA Expenses Personnel Expenses 35.1 42.8 39.3 43.2 39.0 38.4 38.1 45.1 32.4 37.3 39.0 41.6 44.0 43.2 42.7 51.3 41.1 43.1 42.5 44.6 41.8 CIR Breakdown of 1Q 2014 Operating Expenses Quarterly Consolidated Operating Expenses CIR 18 Q1 2014 Q4 2013 Q1 2013 Growth QoQ YoY Personnel Expenses Base Salary 688 623 529 10.5 30.0 Other Allowances 1,234 1,149 948 7.4 30.1 Post Empl. Benefits 100 18 80 451.4 NA Training 78 122 64 35.9 22.1 Subsidiaries 527 463 421 13.8 25.2 Total Personnel Expenses 2,626 2,374 2,042 10.6

28.6 GA Expenses

IT telecoms 330 329 276 0.2 19.4 Occupancy Related 444 716 412 37.9 7.7 Promo Sponsor 206 417 202 50.5 2.4 Transport Travel 125 199 116 37.0 7.7 Goods, Prof. Svcs. Oth. 311 481 264 35.2 18.1 Employee Related 365 410 289 11.1 26.0 Subsidiaries 527 616 474 14.5 11.2 Total GA Expenses 2,309 3,167 2,034

27.1 13.5

Other Expenses 476 767 566

38.0 15.9

Total Operating Expenses 5,411 6,309 4,642

14.2 16.6

Breakdown of Net Expansion in Corporate Lending Q – Q Total ‘p . t Rp Billion 926 1,106 1,424 1,723 1,881 1,923 1,997 2,757 3,204 3,322 3,541 3,680 3,798 Trad-Exp Trad-Distr Trad-Ret Mfg-Metal Comm Mining-Oil Gas Others Mining-Metal Ore Bus Serv Constr Mfg-Chem Electricity Plantations  12.14 11.76 11.32 10.62 10.24 8.81 6.38 6.15 6.01 5.51 4.55 3.54 2.96 Rp Billion Breakdown of Net Expansion in Commercial Lending Q – Q Total ‘p . t 392 592 676 768 778 793 807 1,238 1,780 2,023 2,165 3,179 4,238 Others Trad-Imp Mfg-FB Mfg-Text Constr Mining-Oil Gas Mass Trans Mfg-Oth Mfg-Chem Mfg-Metal Mfg-RawM Bus Serv Trad-Distr  21.81 16.36 11.14 10.41 9.16 6.37 4.16 4.08 4.01 3.95 3.48 3.05 2.02 19 745 2,414 4,066 6,153 7,784 10,943 11,899 12,112 12,366 12,652 12,932 13,162 2006 2007 2008 2009 2010 2011 2012 1Q13 2Q13 3 Q 13 4Q13 1Q14 Cash Management Users Wholesale CASA Deposits 58 ,05 5 62 ,257 61 ,69 1 53 ,60 4 74 ,11 6 89 ,95 9 74 ,334 71 ,91 9 77 ,31 6 - 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 100,000 2007 2008 2009 2010 2011 2012 2013 1 Q 2013 1Q201 4 Total CASA IDR Billion 248 479 716 685 677 771 1,1 30 1,1 75 1,1 78 1 ,676 2,1 48 2,1 61 2,2 01 2 ,657 4 Q 10 1 Q 11 2Q11 3 Q 11 4Q11 1Q12 2 Q 12 3Q12 4Q12 1Q13 2Q13 3 Q 13 4Q13 1Q14 Average of Cash Management Tx 000, total 7.9 Mn transaction in 1Q2014 Exclude Mandiri Transaction System 20 58.5 YoY Growth 7.5 YoY Growth Forex 34 42 63 61 13 16 281,153 310,512 322,795 399,500 111,728 115,460 - 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 - 10.0 20.0 30.0 40.0 50.0 60.0 70.0 Dec 10 Dec 11 Dec 12 Dec 13 1Q13 1Q14 Value USD Billion of Trx Wholesale Remittance 70 94 121 135 32 34 435,866 448,219 599,909 651,241 157,471 168,877 - 100,000 200,000 300,000 400,000 500,000 600,000 700,000 - 20.0 40.0 60.0 80.0 100.0 120.0 140.0 160.0 Dec 10 Dec 11 Dec 12 Dec 13 1Q13 1Q14 Value USD Million of Trx 21 Mandiri Cash Management 549 818 1 ,519 2 ,231 488 635 2,503 7,668 13,676 24,543 5,027 7,970 - 5,000 10,000 15,000 20,000 25,000 30,000 - 500.0 1,000.0 1,500.0 2,000.0 2,500.0 Dec 10 Dec 11 Dec 12 Dec 13 Mar 13 Mar 14 Value IDR Trillion of Trx 000 Trade Transaction : Export, Import, Domestic Exclude Mandiri Transaction System 85 110 125 133 31 33 495,813 510,916 517,251 520,948 130,571 117,125 - 100,000 200,000 300,000 400,000 500,000 600,000 - 20.0 40.0 60.0 80.0 100.0 120.0 140.0 Dec 10 Dec 11 Dec 12 Dec 13 Q1 13 Q1 14 Value USD Billion of Trx Retail Deposit Analysis – Bank Only 2.5 2.8 4.2 3.4 3.3 3.1 2.5 2.3 2.4 2.8 2.0 2.2 2.0 2.0 3.2 3.0 3.3 2.5 2.6 2.1 2.2 2.4 1.8 1.5 1.6 1.5 1.6 1.5 1.5 1.6 6.8 6.3 9.3 9.5 8.7 7.2 6.5 6.9 6.3 6.5 6.5 5.7 5.0 4.9 5.10 4.90 5.0 5.5 6.6 7.0 5 10 15 Rp DD Rp Savings Rp TD Average Quarterly Deposit Costs 2.4 1.6 1.8 0.9 0.9 0.1 0.1 0.1 0.30.30.2 0.2 0.3 0.30.3 2.6 2.92.8 3.7 3.9 3.0 1.9 0.3 0.50.5 0.4 0.80.8 0.7 0.7 0.5 0.6 0.8 0.8 1.2 2 4 1Q 08 2 Q 08 3Q 08 4Q 08 1 Q 09 2 Q 09 3Q 09 4 Q 09 1 Q 10 2Q 10 3Q 10 4 Q 10 1Q 11 2Q 11 3Q 11 4Q 11 1Q 12 2 Q 12 3Q 12 4Q 12 1 Q 13 2 Q 13 3Q 13 4 Q 13 1 Q 14 FX DD FX TD 63.5 62.3 61.4 60.4 62.5 64.7 63.4 63.8 66.1 63.3 63.8 64.9 66.1 66.5 69.6 70.1 72.5 71.6 73.0 73.7 71.9 CASA as of total deposits 22 74 .6 78.8 74 .4 80.4 75.9 81 .3 86.3 95 .5 88 .2 93.4 98.5 109 .6 107.3 11 2.7 120.4 134.0 132 .7 140.6 146 .1 165.0 157.5 166 .8 176.3 190 .9 179 .0 5.1 6.2 5.1 6.1 6.8 6.9 7.4 8.1 9.3 10.2 11.0 11.011.711.9 11.5 11.312.7 12.8 13.0 13.7 14.7 15.6 18.4 20.7 21.0 4.4 5.1 5.3 6.8 5.6 6.1 8.0 9.4 8.2 8.8 9.1 11.110.511.9 12.2 15.714.6 15.4 16.1 18.6 17.0 16.7 28.6 33.0 29.7 1.41.4 1.8 1.7 2.3 2.5 2.4 2.7 2.7 2.7 3.3 3.2 3.5 3.5 4.1 4.2 4.3 4.3 10.7 11.4 12.1 44.442.050.6 63.462.965.1 68.7 68.571.870.6 68.7 70.569.068.6 70.8 73.171.6 70.3 71.5 71.4 72.1 70.7 80.2 84.5 88.4 5.0 5.1 5.4 7.7 7.4 7.4 7.5 6.8 6.0 5.7 5.8 5.8 5.3 5.2 5.2 5.3 5.0 5.0 5.1 5.0 4.7 4.6 6.4 7.0 6.3 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 1 Q 08 2Q 08 3 Q 08 4 Q 08 1Q 09 2Q 09 3 Q 09 4Q 09 1Q 10 2Q 10 3Q 10 4 Q 10 1Q 11 2 Q 11 3Q 11 4Q 11 1 Q 12 2Q 12 3 Q 12 4 Q 12 1Q 13 2Q 13 3 Q 13 4Q 13 1Q 14 Rp Savings Deposits FX Savings Deposits Rp Demand Deposits FX Demand Deposits Rp Time Deposits FX Time Deposits Quarterly Transaction Volume Mn Quarterly Transaction Value Rp tn Quarterly Users Mn Inactive cards have been purged 122.9 142.0 141.9 148.1 168.1 186.2 189.4 204.0 226.6 218.1 222.3 232.9 236.3 231.3 42.3 38.6 41.7 40.8 43.0 40.7 44.7 45.3 39.1 45.4 43.8 7.9 11.6 15.015.4 21.3 25.4 26.2 27.3 34.5 30.8 33.0 49.0 57.4 8.3 16.5 26.6 31.8 49.7 68.5 77.8 84.7 85.3 66.7 66.8 76.7 75.5 85.3 81.0 25 50 75 100 125 150

175 200

225 250 Q 1 09 Q2 09 Q3 09 Q4 09 Q 1 10 Q2 10 Q 3 10 Q4 10 Q 1 11 Q2 11 Q3 11 Q 4 11 Q1 12 Q 2 12 Q3 12 Q4 12 Q 1 13 Q2 13 Q3 13 Q4 13 Q 1 14 ATM Branch SMS Banking Internet Banking 77.1 95.5 97.1 107.5 130.8 147.7 153.8 159.9 170.0 177.3 179.3 184.1 191.2 197.0 192.6 1.4 2.1 2.62.9 5.0 8.8 5.5 5.5 8.3 9.2 10.5 14.9 17.6 4.8 7.1 8.7 11.7 16.3 21.5 23.5 25.6 26.8 28.7 29.4 32.2 33.3 36.0 33.3 20 40 60 80 100 120 140 160 180 200 Q1 09 Q2 09 Q 3 09 Q4 09 Q 1 10 Q2 10 Q3 10 Q 4 10 Q1 11 Q2 11 Q3 11 Q 4 11 Q1 12 Q2 12 Q 3 12 Q 4 12 Q1 13 Q2 13 Q 3 13 Q4 13 Q 1 14 ATM SMS Banking Internet Banking 9.95 7.20 7.67 8.06 8.35 8.72 8.17 8.96 9.24 9.65 9.99 10.16 10.57 10.89 11.10 11.39 11.59 2.16 3.17 4.21 4.614.61 5.08 5.29 5.47 5.63 5.74 5.80 5.97 6.09 6.21 6.33 1.111.21 0.921.01 1.03 1.16 1.21 1.26 1.31 1.36 1.39 1.46 1.51 1.56 1.62 2 4 6 8 10 12 Q1 09 Q 2 09 Q 3 09 Q4 09 Q1 10 Q 2 10 Q3 10 Q 4 10 Q1 11 Q2 11 Q 3 11 Q4 11 Q1 12 Q 2 12 Q3 12 Q4 12 Q1 13 Q 2 13 Q 3 13 Q4 13 Q1 14 Debit Cards SMS Banking Internet Banking 23 Fee Income from e-channel Tx Bn 24 23,690 27,611 33,732 47,127 92,903 180,532 230,352 240,468 2007 2008 2009 2010 2011 2012 2013 Q1 20 14 Numbers of EDC 52.1 89.4 126.2 200.3 258.2 315.2 347.6 414.7 65.5 98.5 166.6 196.5 285.7 318.6 382.0 81.9 110.5 194.5 249.3 313.9 361.8 437.5 89.0 117.8 223.7 268.5 312.8 464.4 512.9 2007 2008 2009 2010 2011 2012 2013 2014 Q4 Q3 Q2 Q1 19.3 YoY Growth Volume Mandiri Business Saving Account Tn 3.5 4.8 8.0 17.7 34.7 59.4 85.8 56.3 79.9 2007 2008 2009 2010 2011 2012 2013 Q1 2013 Q1 2014 41.9 YoY Growth B ran ch A TM ED C In te rn e t Ba n ki n g Use r M ob il e Ba n ki n g Use r Pr epa id Strategy Innovation of Our Strength  Expand and enhance existing channel  Develop innovative retail payment solutions  Develop integrated channel and marketing strategies Development of e-Money Gelang e-Money using NFC technology E-Cash Drive transaction accountless Mandiri Internet Bisnis Offer retail payment solutions for top retail value chain industry 25 U n it U n it T h o u san d s U n it Re g. Us e r in Mi lli on s Re g. Us e r in Mi lli o n s Mi lli o n s U n it 2,800 11,514 2006 Q1 2014 924 2,061 2006 Q1 2014

17.7 240.5