Berdasarkan jenis, By type, currency and relationship

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 97

11. WESEL EKSPOR DAN TAGIHAN LAINNYA lanjutan

11. BILLS AND OTHER RECEIVABLES continued b. Berdasarkan kolektibilitas

b. By collectibility

Seluruh wesel ekspor dan tagihan lainnya diklasifikasikan lancar pada tanggal-tanggal 31 Maret 2016 dan 31 Desember 2015. All bills and other receivables as of March 31, 2016 and December 31, 2015, are classified as current. Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai tidak diperlukan pada tanggal-tanggal 31 Maret 2016 dan 31 Desember 2015, karena manajemen berkeyakinan bahwa wesel ekspor dan tagihan lainnya dapat ditagih. Management believes that no allowance for impairment losses is necessary as of March 31, 2016 and December 31, 2015, respectively, because management believe that bills and other receivables are fully collectible. c. Tingkat suku bunga rata-rata per tahun c. Average interest rates per annum 31 Maret 31 Desember March 31, 2016 December 31, 2015 Rupiah 11,86 11,40 Rupiah Dolar Amerika Serikat 4,43 3,25 United States Dollar Informasi mengenai jatuh tempo wesel ekspor dan tagihan lainnya diungkapkan pada Catatan 47. Information with respect to maturities of bills and other receivables is disclosed in Note 47. 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 98 12. KREDIT YANG DIBERIKAN 12. LOANS

a. Berdasarkan jenis,

mata uang dan kolektibilitas

a. By type, currency and collectibility

31 Maret 31 Desember March 31, 2016 December 31, 2015 Jumlah nosional Jumlah nosional mata uang asing mata uang asing Notional amount Notional amount in foreign Ekuivalen in foreign Ekuivalen currencies Rupiah currencies Rupiah angka penuh Equivalent angka penuh Equivalent full amount Rupiah full amount Rupiah Pihak berelasi Related parties Rupiah Rupiah Modal kerja 388.209 640.303 Working capital Sindikasi 251.932 251.490 Syndicated Karyawan 1.556 21.230 Employees Konsumsi 11.542 42.220 Consumer Investasi 9.783 12.810 Investment Program pemerintah 342 432 Government programs 663.364 968.485 Dolar Amerika Serikat United States Dollar Modal kerja - 171.623 2.366 Working capital 663.364 970.851 Pihak ketiga Third parties Rupiah Rupiah Konsumsi 43.374.776 42.570.786 Consumer Modal kerja 6.877.231 8.034.704 Working capital Investasi 1.170.956 1.270.566 Investment Program pemerintah 1.078.827 1.095.066 Government programs Sindikasi 1.172.801 1.179.581 Syndicated Karyawan 965.353 266.235 Employees 54.639.944 54.416.938 Dolar Amerika Serikat United States Dollar Modal kerja 10.736.198 142.362 10.731.947 147.940 Working capital Investasi 1.579.382 20.943 1.772.148 24.429 Investment Konsumsi 89.885 1.192 89.832 1.238 Consumer 164.497 173.607 54.804.441 54.590.545 Total 55.467.805 55.561.396 Total Cadangan kerugian Allowance penurunan nilai 1.076.553 1.193.224 for impairment losses Neto 54.391.252 54.368.172 Net