Investor Presentaiton

Bank Mandiri has two different SuperApps Comprehensive Banking Experience All banking services controlled in your hand . Digital Ranked 1st Ap in financial category 1. Bank Mandiri has two SuperApps, retail and business to serve the different customer segments 2. 3. Livin' mobile banking application has been downloaded by 22 million Indonesians with up to 16 million active registered users. This increase in the number of users contributed to a fee-based income. Kopra also recorded up to USD 1.35 trillion wholesale digital transactions. Play Beyond Lending Strategy Value Chain Trade & Guarantee BSI ■ Digital Customer Service mancar Teller Digital Sales livin mancs mand europe manden health Tisket CH C Open Ecosystem Integration with best customer lifestyle ecosystem kopra kopra by mandiri ($)- Cash Mgmt Online Custody Full-suite Financial Services Complete financial services from insurance, investment and consumer financing -7.5 Mn Downloads since launch (Oct. 21) 35% entirely new ti the app 65% shifted from old app Smart Account E-FX livin #1 SuperApps GOAL Becoming the Main Operating Bank For Business Clients Fee Based Income Growth CASA Growth Value Chain Enabler Improbed Asset Quality twimbit

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