Informasi pokok lainnya sehubungan

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 108 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continued

i. Informasi pokok lainnya sehubungan

dengan kredit yang diberikan lanjutan i. Other significant information relating to loans continued Setelah pembelian kredit tersebut, BPD Sultra akan bertindak selaku pihak yang melakukan penagihan kepada debitur, memelihara dan mengadministrasikan tagihan secara tertib untuk kepentingan Bank dan melakukan penyetoran atas pembayaran yang diterima dari debitur baik berupa angsuran, bunga dan atau liabilitas lainnya yang menjadi hak Bank termasuk dalam hal terjadinya pembayaran dipercepat oleh debitur ke rekening penampung BPD Sultra di Bank BJB, selambat-lambatnya dua hari kerja berikutnya sejak diterimanya pembayaran dari debitur. Atas jasa pengelolaan piutang tersebut, BPD Sultra mendapat imbalan sebesar 20 dari setiap liabilitas bunga debitur yang telah disetor oleh BPD Sultra dan diterima oleh Bank. After the purchase of loan, BPD Sultra will act as a party who collect from debtors, maintain and administers the loan for the Bank‟s interest and transfer the payment received from the debtors such as principal, interest and other liabilities payment, including advance payment from debtor to BPD Sultra account in Bank BJB, at the latest of two working days after the payment is received from the debtor. For the services rendered, BPD Sultra will receive a fee at 20 of every debtor interest obligation paid by BPD Sultra and received by the Bank. 13. PEMBIAYAAN SYARIAH 13. SHARIA FINANCING Pembiayaan dengan prinsip syariah seluruhnya diberikan dalam mata uang rupiah. All sharia financing were granted in rupiah currency. a. Berdasarkan jenis dan kolektibilitas a. By type and collectability Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Maret 2016 Current mention Substandard Doubtful Loss Total March 31, 2016 Pihak ketiga Third parties Konsumsi 578.275 133.691 39.245 16.134 143.256 910.601 Consumer Modal kerja 345.455 657.556 7.924 22.809 65.238 1.098.982 Working capital Investasi 2.606.795 99.453 13.645 7.136 18.183 2.745.212 Investment Sindikasi 19.866 - - - - 19.866 Syndicated Karyawan 54.694 - - - - 54.694 Employees Total 3.605.085 890.700 60.814 46.079 226.677 4.829.355 Total Cadangan kerugian Allowance penurunan nilai 6.048 15.428 5.855 5.894 116.835 150.059 for impairment losses Neto 3.599.037 875.272 54.959 40.185 109.842 4.679.296 Net Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31Desember 2015 Current mention Substandard Doubtful Loss Total December 31, 2015 Pihak ketiga Third parties Konsumsi 2.556.284 57.942 10.880 5.945 15.667 2.646.718 Consumer Modal kerja 507.596 47.764 22.670 12.433 130.329 720.792 Working capital Investasi 1.097.408 244.873 62.130 13.014 67.720 1.485.145 Investment Sindikasi 21.228 - - - - 21.228 Syndicated Karyawan 52.263 - - - - 52.263 Employees Total 4.234.779 350.579 95.680 31.392 213.716 4.926.146 Total Cadangan kerugian Allowance penurunan nilai 7.544 13.320 5.085 3.815 113.296 143.060 for impairment losses Neto 4.227.235 337.259 90.595 27.577 100.420 4.783.086 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 109 13. PEMBIAYAAN SYARIAH lanjutan 13. SHARIA FINANCING continued b. Berdasarkan jenis akad b. By type of agreement 31 Maret 31 Desember March 31, 2016 December 31, 2015 Murabahah 3.813.768 3.737.449 Murabahah Musyarakah 661.411 790.331 Musyarakah Mudharabah 280.546 322.319 Mudharabah Qardh 70.233 72.576 Qardh Istishna 3.397 3.471 Istishna Total 4.829.355 4.926.146 Total Cadangan kerugian penurunan nilai 150.059 143.060 Allowance for impairment losses Neto 4.679.296 4.783.086 Net

c. Berdasarkan sektor ekonomi

c. By economic sector

Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Maret 2016 Current mention Substandard Doubtful Loss Total March 31, 2016 Jasa dunia usaha 379.956 96.387 15.289 5.112 25.275 522.019 Business services Perdagangan 118.825 121.081 2.083 4.381 47.246 293.616 Trading Konstruksi 210.422 74.079 23.325 10.762 42.581 361.169 Constructions Pengangkutan dan Transportation pergudangan 24.785 148.820 1.436 - 40.306 215.347 and warehousing Jasa-jasa sosial 202.594 43.268 1.089 1.811 4.832 253.594 Social services Industri 21.305 270.542 598 17.799 34.635 344.879 Industry Pertambangan 1.149 - - - 3.130 4.279 Mining Electricity, gas and Listrik, gas dan air 19.950 855 205 - 455 21.465 water Pertanian 6.170 1.237 267 363 13.124 21.161 Agriculture Lain-lain 2.619.926 134.433 16.524 5.850 15.284 2.791.826 Others Total 3.605.082 890.702 60.816 46.078 226.677 4.826.355 Total Cadangan kerugian Allowance penurunan nilai 6.046 15.428 5.855 5.894 116.835 150.059 for impairment losses Neto 3.599.043 875.274 54.961 40.184 109.842 4.679.296 Net Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Desember 2015 Current mention Substandard Doubtful Loss Total December 31, 2015 Jasa dunia usaha 503.507 20.468 4.197 1.859 24.289 554.320 Business services Perdagangan 190.260 9.399 6.424 6.779 42.297 255.159 Trading Konstruksi 276.914 95.640 50.869 1.321 37.745 462.489 Constructions Pengangkutan dan Transportation pergudangan 28.796 149.153 260 8.626 41.980 228.815 and warehousing Jasa-jasa sosial 318.227 16.786 2.209 810 4.784 342.816 Social services Industri 59.989 4.598 609 435 37.020 102.651 Industry Pertambangan 624 - 18.894 123 2.321 21.962 Mining Electricity, gas and Listrik, gas dan air 18.079 225 - - 1.998 20.302 water Pertanian 7.497 1.069 297 5.518 9.083 23.464 Agriculture Lain-lain 2.830.886 53.241 11.921 5.921 12.199 2.914.168 Others Total 4.234.779 350.579 95.680 31.392 213.716 4.926.146 Total Cadangan kerugian Allowance penurunan nilai 7.544 13.320 5.085 3.815 113.296 143.060 for impairment losses Neto 4.227.235 337.259 90.595 27.577 100.420 4.783.086 Net