RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO KREDIT lanjutan CREDIT RISK continued

Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 Maret 2016 dan 31 Desember 2015 Serta Periode Yang Berakhir Pada tanggal 31 Maret 2016 dan 2015 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of March 31, 2016 and December 31, 2015 And For the Period Then ended March 31, 2016 and 2015 Expressed in millions of rupiah, unless otherwise stated 165 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued iii Penurunan nilai aset keuangan pada tanggal- tanggal 31 Maret 2016 dan 31 Desember 2015 iii Impairement of financial assets as of March 31, 2016 and December 31, 2015 1. Giro pada Bank Lain 1. Current Accounts with Other Banks 31 Maret March 31, 2016 Rupiah 52.468 Rupiah Mata Uang Asing 226.122 Foreign currencies Total 278.590 Total Cadangan kerugian penurunan nilai 62 Allowance for impairment losses Neto 278.528 Net 31 Desember December 31, 2015 Rupiah 40.705 Rupiah Mata Uang Asing 140.867 Foreign currencies Total 181.572 Total Cadangan kerugian penurunan nilai 62 Allowance for impairment losses Neto 181.510 Net 2. Penempatan pada Bank Indonesia dan Bank Lain 2. Placement with Bank Indonesia and other Banks 31 Maret March 31, 2016 Rupiah 4.771.385 Rupiah Mata Uang Asing 716.045 Foreign currencies Total 5.487.430 Total Cadangan kerugian penurunan nilai 7.450 Allowance for impairment losses Neto 5.479.980 Net Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 Maret 2016 dan 31 Desember 2015 Serta Periode Yang Berakhir Pada tanggal 31 Maret 2016 dan 2015 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of March 31, 2016 and December 31, 2015 And For the Period Then ended March 31, 2016 and 2015 Expressed in millions of rupiah, unless otherwise stated 166 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued iii Penurunan nilai aset keuangan pada tanggal- tanggal 31 Maret 2016 dan 31 Desember 2015 lanjutan iii Impairement of financial assets as of March 31, 2016 and December 31, 2015 continued 2. Penempatan pada Bank Indonesia dan Bank Lain lanjutan 2. Placement with Bank Indonesia and other Banks continued 31 Desember December 31, 2015 Rupiah 3.122.662 Rupiah Mata Uang Asing 620.325 Foreign currencies Total 3.742.987 Total Cadangan kerugian penurunan nilai 3.859 Allowance for impairment losses Neto 3.739.128 Net 3. Tagihan Derivatif 3. Derivative Receivable Per 31 Maret 2016 dan 31 Desember 2015, aset keuangan ini tidak mengalami penurunan nilai secara individual maupun kolektif. As of March 31, 2016 and December 31, 2015, these financial assets are not impaired individually as well as collectively. 4. Surat Berharga 4. Marketable Securities Per 31 Maret 2016 dan 31 Desember 2015, aset keuangan ini tidak mengalami penurunan nilai secara individual maupun kolektif. As of March 31, 2016 and December 31, 2015, these financial assets are not impaired individually as well as collectively. 5. Wesel eskpor dan tagihan lainnya 5. Bills and other receivables Per 31 Maret 2016 dan 31 Desember 2015, aset keuangan ini tidak mengalami penurunan nilai secara individual maupun kolektif. As of March 31, 2016 and December 31, 2015, these financial assets are not impaired individually as well as collectively. 6. Kredit yang diberikan dan piutangpembiayaan syariah 6. Loans and sharia financingreceivables Ikhtisar kredit yang diberikan adalah sebagai berikut: The details of loans are as follows: 31 MaretMarch 31, 2016 Belum jatuh tempo dan Jatuh tempo tidak mengalami penurunan dan tidak nilai neither past due mengalami nor impaired penurunan nilai Mengalami Tingkat Past-due penurunan Tingkat Tinggi standar but not nilai High Grade Standard grade Impaired Impaired Total Kredit yang diberikan dan piutang Loans and sharia pembiayaan syariah financingreceivables Perdagangan - 1.703.790 775.220 131.490 2.610.500 Trading Jasa-jasa dunia usaha - 3.802.330 229.479 195.205 4.227.014 Business Services Konstruksi - 2.324.889 232.307 175.996 2.733.192 Construction Transportation and Pengangkutan dan gudang - 94.991 192.173 202 287.366 warehousing Industri - 1.506.654 394.240 4.017 1.904.911 Industry Jasa-jasa sosial - 312.831 76.476 3.720 393.027 Social services Pertanian - 675.535 147.843 70.234 893.612 Agriculture Listrik, gas dan air - 287.747 2.232 - 289.979 Electricity, gas and water Pertambangan - 12.464 5.755 3.090 21.309 Mining Lain-lain 32.642.103 12.930.639 1.212.867 150.641 46.936.250 Others Total 32.642.103 23.651.870 3.268.592 734.595 60.297.160 Total Cadangan kerugian Allowance for penurunan nilai 1.226.612 impairment losses Neto 59.070.548 Net Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 Maret 2016 dan 31 Desember 2015 Serta Periode Yang Berakhir Pada tanggal 31 Maret 2016 dan 2015 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of March 31, 2016 and December 31, 2015 And For the Period Then ended March 31, 2016 and 2015 Expressed in millions of rupiah, unless otherwise stated 167 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued