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 LAPORAN KEUANGAN KONSOLIDASIAN 30 JUNI 2017 DAN 31 DESEMBER 2016 SERTA PERIODE YANG BERAKHIR PADA TANGGAL 30 JUNI 2017 DAN 2016 PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS AS OF JUNE 30, 2017 AND DECEMBER 31, 2016 AND FOR THE PERIOD THEN ENDED JUNE 30, 2017 AND 2016 166 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued iii Penurunan nilai aset keuangan pada tanggal- tanggal 30 Juni 2017 dan 31 Desember 2016 iii Impairement of financial assets as of June 30, 2017 and December 31, 2016 1. Giro pada Bank Lain 1. Current Accounts with Other Banks 30 Juni June 30, 2017 Rupiah 89.882 Rupiah Mata Uang Asing 120.138 Foreign currencies Total 210.020 Total Cadangan kerugian penurunan nilai 61 Allowance for impairment losses Neto 209.959 Net 31 Desember December 31, 2016 Rupiah 51.538 Rupiah Mata Uang Asing 210.259 Foreign currencies Total 261.797 Total Cadangan kerugian penurunan nilai 56 Allowance for impairment losses Neto 261.741 Net 2. Penempatan pada Bank Indonesia dan Bank Lain 2. Placement with Bank Indonesia and other Banks 30 Juni June 30, 2017 Rupiah 11.466.847 Rupiah Mata Uang Asing - Foreign currencies Total 11.466.847 Total Cadangan kerugian penurunan nilai 8.749 Allowance for impairment losses Neto 11.458.098 Net Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA LAPORAN KEUANGAN KONSOLIDASIAN 30 JUNI 2017 DAN 31 DESEMBER 2016 SERTA PERIODE YANG BERAKHIR PADA TANGGAL 30 JUNI 2017 DAN 2016 PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS AS OF JUNE 30, 2017 AND DECEMBER 31, 2016 AND FOR THE PERIOD THEN ENDED JUNE 30, 2017 AND 2016 167 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued iii Penurunan nilai aset keuangan pada tanggal- tanggal 30 Juni 2017 dan 31 Desember 2016 lanjutan iii Impairement of financial assets as of June 30, 2017 and December 31, 2016 continued 2. Penempatan pada Bank Indonesia dan Bank Lain lanjutan 2. Placement with Bank Indonesia and other Banks continued 31 Desember December 31, 2016 Rupiah 12.220.730 Rupiah Mata Uang Asing 565.845 Foreign currencies Total 12.786.575 Total Cadangan kerugian penurunan nilai 9.059 Allowance for impairment losses Neto 12.777.516 Net 3. Tagihan Derivatif 3. Derivative Receivable Per 30 Juni 2017 dan 31 Desember 2016, aset keuangan ini tidak mengalami penurunan nilai secara individual maupun kolektif. As of June 30, 2017 and December 31, 2016, these financial assets are not impaired individually as well as collectively. 4. Surat Berharga 4. Marketable Securities Per 30 Juni 2017 dan 31 Desember 2016, aset keuangan ini tidak mengalami penurunan nilai secara individual maupun kolektif. As of June 30, 2017 and December 31, 2016, these financial assets are not impaired individually as well as collectively. 5. Wesel eskpor dan tagihan lainnya 5. Bills and other receivables Per 30 Juni 2017 dan 31 Desember 2016, aset keuangan ini tidak mengalami penurunan nilai secara individual maupun kolektif. As of June 30, 2017 and December 31, 2016, 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: 30 JuniJune 30, 2017 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 - 2.295.624 833.571 47.083 3.176.278 Trading Jasa-jasa dunia usaha - 6.439.969 166.036 65.949 6.671.954 Business Services Konstruksi - 4.838.411 250.801 177.232 5.266.444 Construction Transportation and Pengangkutan dan gudang - 223.224 124.823 121 348.168 warehousing Industri - 1.764.512 207.377 810 1.972.699 Industry Jasa-jasa sosial - 574.227 82.439 2.454 659.120 Social services Pertanian - 691.016 100.384 167.307 958.707 Agriculture Listrik, gas dan air - 287.190 3.953 - 291.143 Electricity, gas and water Pertambangan - 12.361 15.292 2.871 30.524 Mining Lain-lain 32.867.182 19.664.123 1.619.751 100.238 54.251.294 Others Total 32.867.182 36.790.657 3.404.427 564.065 73.626.331 Total Cadangan kerugian Allowance for penurunan nilai 1.253.425 impairment losses Neto 72.372.906 Net Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA LAPORAN KEUANGAN KONSOLIDASIAN 30 JUNI 2017 DAN 31 DESEMBER 2016 SERTA PERIODE YANG BERAKHIR PADA TANGGAL 30 JUNI 2017 DAN 2016 PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS AS OF JUNE 30, 2017 AND DECEMBER 31, 2016 AND FOR THE PERIOD THEN ENDED JUNE 30, 2017 AND 2016 168 45. RISIKO KREDIT lanjutan 45. CREDIT RISK continued