Investor Presentaiton

Banks must become digital leaders to derive future growth from fee-based income 30% of Bank Mandiri's fee-based income comes Livin, Kopra and other digital channels Fee Based Income (IDR Tn), 2022 35.18 Fee based income 2021 2022 YOY Loan Related Fee 2,467 3,067 24% Deposit Related Fee 3,307 3,707 12% Credit Card 1,164 1282 10% 16.58 18.47 14.82 Mutual Funds & Bancassurance 845 855 1% Recurring Kopra Fee 1,946 2141 10% fees 1.95 ATM 617 480 -22% BCA Bank Mandiri BRI BNI BTPN Livin' App, SMS & Internet Banking 1,432 1737 21% Other E-Channel 793 1147 45% Most Indonesian banks report fee-based income based on transactional fees than income from integrating third-party sources Fixed Income, FX & Derivatives 7,119 4580 -36% Non Cash Recoveries 4,705 6339 35% Recurring fees Other Income 840 1669 99% Subsidiaries Subsidiaries 7,035 8175 16% Consolidated total 32,273 35,180 9% Source: Industry reporting, annual reports, investor presentation, twimbit analysis twimbit

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