Disclosure of Net Receivable by Region – Bank Consolidated

Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance 292 bank bjb Lapor an Tahunan 20 15 Annual Repor t

c. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak – Bank Secara

Secara Individual Tabel 2.2.a Rp Juta No Kategori Portof olio 31 Desember 20 15 December 31, 20 15 Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun 1 year 1 -3 t ahun 1 - 3 year s 3-5 t ahun 3 - 5 year s 5 t ahun 5 year s Non Kont r akt ual Non Cont r act ual Tot al 1 2 - 1 16.482.163 948.683 17.430 .846 2 Tagihan Kepada Ent it as Sekt or Publik 1.160 .695 8.675 1.169.370 3 Tagihan Kepada Bank Pembangunan Mult ilat er al dan Lembaga Int er nasional - 4 Tagihan Kepada Bank 5.0 77.463 326.60 8 660 .956 6.0 65.0 27 5 Kr edit Ber agun Rumah Tinggal 59.152 20 2.229 280 .0 68 3.942.324 4.483.773 6 Kr edit Ber agun Pr oper t i Komer sial - 7 Kr edit Pegawai Pensiunan 614.814 3.177.991 6.0 71.30 4 28.684.552 38.548.661 8 Tagihan Kepada Usaha Mikr o, Usaha Kecil dan Por t of olio Rit el 1.0 65.0 69 1.0 0 4.685 130 .412 18.223 2.218.389 9 Tagihan kepada Kor por asi 4.224.556 1.832.540 1.522.80 9 1.70 1.0 46 9.280 .951 10 Tagihan yang Telah Jat uh Tempo - 11 Aset Lainnya 3.225.810 3.225.810 12 Eksposur di Unit Usaha Syar iah apabila ada - Total 31.90 9.721 6.552.728 9.614.232 34.346.145 - 82.422.826

d. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak – Bank Secara

Konsolidasi dengan Perusahaan Anak Tabel 2.2.b Rp Juta No Kategori Portof olio 31 Desember 20 15 December 31, 20 15 Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun 1 year 1 -3 t ahun 1 - 3 year s 3-5 t ahun 3 - 5 year s 5 t ahun 5 year s Non Kont r akt ual Non Cont r act ual Tot al 1 2 - 1 Tagihan Kepada Pemer int ah 17.380 .312 - 948.683 - 18.328.995 2 Tagihan Kepada Ent it as Sekt or Publik 1.160 .695 8.675 - - 1.169.370 3 Tagihan Kepada Bank Pembangunan Mult ilat er al dan Lembaga Int er nasional - - - - - 4 Tagihan Kepada Bank 5.490 .963 326.60 8 660 .956 - 6.478.527 5 Kr edit Ber agun Rumah Tinggal 149.851 20 2.229 280 .0 68 3.942.324 4.574.472 6 Kr edit Ber agun Pr oper t i Komer sial - - - - - 7 Kr edit Pegawai Pensiunan 614.814 3.177.991 6.0 71.30 4 31.146.80 8 41.0 10 .917 8 Tagihan Kepada Usaha Mikr o, Usaha Kecil dan Por t of olio Rit el 1.0 65.0 69 1.0 0 4.685 385.752 18.223 2.473.729 9 Tagihan kepada Kor por asi 4.224.556 1.832.540 1.522.80 9 4.328.0 15 11.90 7.920 10 Tagihan yang Telah Jat uh Tempo - - - - - 11 Aset Lainnya 3.245.539 - - - 3.245.539 12 Eksposur di Unit Usaha Syar iah apabila ada - - - - - Total 33.331.798 6.552.728 9.869.572 39.435.370 89.189.468 293 bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a 31 Desember 20 14 December 31, 20 14 Portf olio Category Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun 1 year 1 -3 t ahun 1 - 3 year s 3-5 t ahun 3 - 5 year s 5 t ahun 5 year s Non Kont r akt ual Non Cont r act ual Tot al 3 4 5 6 7 8 2 12.316.385 855.186 79.2280 13.963.851 Claims on Gover nment Sover eign 58.0 0 0 62.0 0 0 50 .837 170 .837 Claims on Public Sect or Ent it ies - Claims on Mult ilat er al Development Banks and Int er nat ional Ent it ies 2.824.432 33.8736 35.3478 14.10 8 3.530 .754 Claims on Banks 11.250 16.8471 316.499 3.90 2.477 4.398.697 Claims Secur ed by Resident ial Pr oper t y - Claims Secur ed by Commer cial Real Est at e 25.0 343 2.186.565 54.45.623 26.0 0 7.119 33.889.650 Claims on Pension Loans 899.650 2.433.225 510 .843 31.158 3.874.876 Claims on Micr o, Small, and Ret ail Por t f olio 2.498.837 1.598.0 0 6 191.955 2.0 76.883 6.365.681 Claims on Cor por at e - Claims on Past Due Exposur es 3.231.698 3.231.698 Ot her Asset s Shar ia Exposur es if any

22.0 90 .595 7.642.189

7.661.515 32.0 31.745 69.426.0 44 Total 31 Desember 20 14 December 31, 20 14 Portf olio Category Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun 1 year 1 -3 t ahun 1 - 3 year s 3-5 t ahun 3 - 5 year s 5 t ahun 5 year s Non Kont r akt ual Non Cont r act ual Tot al 3 4 5 6 7 8 2 12.524.675 855.186 792.280 - - 14.172.141 Claims on Gover nment Sover eign 58.0 0 0 62.0 0 0 50 .837 - - 170 .837 Claims on Public Sect or Ent it ies - - - - - - Claims on Mult ilat er al Development Banks and Int er nat ional Ent it ies 2.220 .0 34 338.736 353.478 14.10 8 - 2.926.356 Claims on Banks 11.250 168.471 316.499 3.90 2.478 - 4.398.698 Claims Secur ed by Resident ial Pr oper t y - - - - - - Claims Secur ed by Commer cial Real Est at e 250 .343 2.186.565 5.445.623 26.0 0 7.120 - 33.889.651 Claims on Pension Loans 1.648.599 4.155.924 2.579.158 31.158 - 8.414.839 Claims on Micr o, Small, and Ret ail Por t f olio 2.50 3.691 1.598.0 0 6 191.955 2.0 76.883 - 6.370 .535 Claims on Cor por at e - - - - - - Claims on Past Due Exposur es 3.271.571 - - - - 3.271.571 Ot her Asset s - - - - - - Shar ia Exposur es if any 22.488.163 9.364.888 9.729.830 32.0 31.747 - 73.614.628 Total

c. Disclosure of Net Receivable by Remaining Maturity of the Contract – Bank Only

Table 2.2.a Rp Million

d. Disclosure of Net Receivable by

Remaining Maturity of the Contract – Bank Consolidated Table 2.2.b Rp Million