Informasi pokok lainnya sehubungan

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 106 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 30 Juni 2017 Current mention Substandard Doubtful Loss Total June 30, 2017 Pihak ketiga Third parties Modal kerja 324.896 200.830 39.296 1.994 637.471 1.204.487 Working capital Investasi 2.898.723 147.885 31.875 14.079 34.203 3.126.765 Investment Konsumsi 751.513 110.353 1.311 3.707 135.368 1.002.250 Consumer Sindikasi 12.318 - - - - 12.318 Syndicated Karyawan 82.715 - - - - 82.715 Employees Total 4.070.165 459.068 72.482 19.780 807.042 5.428.537 Total Cadangan kerugian Allowance penurunan nilai 8.938 15.642 3.936 4.140 695.702 728.358 for impairment losses Neto 4.061.227 443.426 68.546 15.640 111.340 4.700.179 Net Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Desember 2016 Current mention Substandard Doubtful Loss Total December 31, 2016 Pihak ketiga Third parties Modal kerja 690.866 123.170 592.280 2.691 173.047 1.582.054 Working capital Investasi 370.750 108.869 16.994 41.123 82.397 620.133 Investment Konsumsi 2.902.661 120.844 17.218 8.272 30.146 3.079.141 Consumer Sindikasi 15.491 - - - - 15.491 Syndicated Karyawan 73.301 - - - - 73.301 Employees Total 4.053.069 352.883 626.492 52.086 285.590 5.370.120 Total Cadangan kerugian Allowance penurunan nilai 8.345 12.642 421.226 11.637 265.334 719.184 for impairment losses Neto 4.044.724 340.241 205.266 40.449 20.256 4.650.936 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 107 13. PEMBIAYAAN SYARIAH lanjutan 13. SHARIA FINANCING continued b. Berdasarkan jenis akad b. By type of agreement 30 Juni 31 Desember June 30, 2017 December 31, 2016 Murabahah 4.372.082 4.246.262 Murabahah Musyarakah 775.544 830.645 Musyarakah Mudharabah 210.565 223.543 Mudharabah Qardh 68.777 69.017 Qardh Istishna 1.569 653 Istishna Total 5.428.537 5.370.120 Total Cadangan kerugian penurunan nilai 728.358 719.184 Allowance for impairment losses Neto 4.700.179 4.650.936 Net

c. Berdasarkan sektor ekonomi

c. By economic sector

Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 30 Juni 2017 Current mention Substandard Doubtful Loss Total June 30, 2016 Jasa dunia usaha 312.219 17.610 184 1.721 42.254 373.988 Business services Perdagangan 191.934 16.762 1.110 1.376 604.481 815.662 Trading Konstruksi 135.302 3.493 - 1.204 28.921 168.920 Constructions Pengangkutan dan Transportation pergudangan 150.082 109.374 274 84 14.530 274.344 and warehousing Jasa-jasa sosial 277.347 20.547 40.359 705 5.034 343.992 Social services Industri 115.794 144.738 180 188 34.420 295.319 Industry Pertambangan 500 - 43 - 15.049 15.592 Mining Electricity, gas and Listrik, gas dan air 42.746 3.413 - 500 40 46.699 water Pertanian 25.768 1.528 239 - 16.147 43.682 Agriculture Lain-lain 2.818.473 141.603 30.092 14.001 46.166 3.050.336 Others Total 4.070.165 459.068 72.481 19.779 807.042 5.428.537 Total Cadangan kerugian Allowance penurunan nilai 8.938 15.642 3.936 4.140 695.702 728.358 for impairment losses Neto 4.061.228 443.426 68.545 15.639 111.340 4.700.179 Net Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Desember 2016 Current mention Substandard Doubtful Loss Total December 31, 2016 Jasa dunia usaha 275.141 87.149 2.255 473 38.879 403.897 Business services Perdagangan 245.657 74.954 23.305 1.874 62.784 408.574 Trading Konstruksi 127.515 1.526 567.147 - 38.393 734.581 Constructions Pengangkutan dan Transportation pergudangan 37.372 371 8.121 1.056 30.993 77.913 and warehousing Jasa-jasa sosial 249.466 24.738 10.513 2.087 9.777 296.581 Social services Industri 131.092 24.262 518 818 33.934 190.624 Industry Pertambangan 513 44 - - 16.983 17.540 Mining Electricity, gas and Listrik, gas dan air 16.537 35 - 40 - 16.612 water Pertanian 8.518 2.055 260 35 14.541 25.409 Agriculture Lain-lain 2.961.258 137.749 14.373 45.703 39.306 3.198.389 Others Total 4.053.069 352.883 626.492 52.086 285.590 5.370.120 Total Cadangan kerugian Allowance penurunan nilai 8.345 12.642 421.226 11.637 265.334 719.184 for impairment losses Neto 4.044.724 340.241 205.266 40.449 20.256 4.650.936 Net