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T he or igi nal c ons ol idat e d financ ial s tat em ent s inc luded her ei n ar e i n the Indones ian l anguage. P T BANK P E M BANG UN A N DAE RAH J AW A BARAT DAN BANT E N T b k DAN E NT IT AS ANAKNY A CAT AT AN AT AS L AP O RAN KE UANG AN K ON S OLID A S IA N Ta ngga l 31 D esem b er 2016 da n U nt u k Ta hun y a ng B e ra k hir pa da Ta ng ga l Te rs e but D is a jik a n da la m jut a a n r upia

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e c ua li diny a ta k a n la in P T B ANK P E M B ANG UNAN DAE RAH J AW A B ARAT DAN B ANT E N T b k AND I T S S UB S IDI ARI E S N OTE S TO TH E C ON S OLID A TE D FIN A N C IA L S TA TE M E N TS A s o f D ecem b er 31, 201 6 a nd For t h e Y e a r The n e nde d Ex p re s s e d in m illions of r upia h, u n less o th er w ise st a te d 182 48 . RI S IKO S U KU BUNG A la njut a n 48 . IN TE R E S T R A TE R IS K c ont inue d Ba n k dan ent itas anak m el ak uk an penguk ur a n ris ik o s uk u bunga m el iput i penilaian ris ik o s uk u bunga yang m el ek at pada as et , k ew aj iban dan pada pos is i of f b al anc e s heet ; penggunaa n k ons ep k euangan y ang ber lak u s ec ar a um um dan tek ni k - tek ni k m anaj em en r is ik o; as um s i dan par a m et er yang t er d ok um ent as i dan di ev al uas i s ec ar a b e rka la ; ter int egr a s i dengan pr o s es m anaj em en ris ik o s ec ar a ru tin bai k dar i as pek pengam bi lan k eput us an, s tru k tur gov er n anc e m aupun pr o s es al ok as i m odal i nt er n al . D engan m enggunak an m et odol ogi t er s ebut , B ank dan ent itas anak dapat m engi dent ifi k as i r is ik o s uk u bun ga dar i por tof ol io as et dan k ew aj iban y ang s ens iti f ter h adap per u bahan s uk u bunga s er ta m ene nt uk an bes ar a n ris ik o t er h adap B ank dan ent itas anak . T he B ank and s ub s idi ar ies c onduc t m eas ur e m ent of i nt er e s t r a te r is k t hat i nc ludes as s es s ing inher e nt int er e s t r a te r is k in as s et , l iab ilit ies and of f b al anc e s heet pos iti ons ; i m pl em ent at ion of t he gener a lly appl ic ab le f inanc ial c onc ept and ris k m anagem ent t ec hni ques ; as s um pt ions and par a m et er s w hi c h ar e doc um ent ed and ev al uat ed re gul ar ly ; int er g ra ted w ith per iod ic ri sk m anagem ent pr o c es s ei ther f ro m t he as pec t of dec is ion m ak ing, gov er n anc e s tru c tur e or i nt er n al c api tal al loc at ion pr o c es s . B y us ing s uc h m et hodol ogi es , t he B ank c an i dent ify i nt er e s t r a te ris k of as s et and l iab ili ties por tof ol io that ar e se n si tive t o i nt er e s t r a te c hanges and det er m ine the r is k s c al e f or t he B ank and s ub s idi ar ies . T abel di baw ah i ni m eny aj ik an i nf or m as i m engenai tingk at s uk u bunga r a ta -r a ta per tahun unt uk as et dan liabi lit as k euangan y ang pent ing unt uk t ahun yang ber a k hi r pada tanggal -tanggal 31 D es em ber 201 6 dan 201 5 t idak di audi t : T he f ol low ing t ab le pr e s ent s i nf or m at ion on the av er a ge annual i nt er e s t r a tes for s igni fic ant financ ial as s et s and l iab ili ties f or t he y ear ended D ec em b er 31, 201 6 and 201 5 u naudi ted : 201 6 201 5 M at a u an g M at a u an g asi n g asi n g R upi a h For e ign R upi a h For e ign R upi a h cu rr en c ies R upi a h cu rr en c ies A SET A SSET S G ir o pada bank lai n 0, 7 1 0, 8 1 ,6 6 0, C ur rent ac c ount s w ith ot her bank s P enem pat an pada bank I ndones ia dan B ank Lai n 5, 6 0, 43 6, 3 1 0, 2 2 P lac em ent s w ith ot her bank s S ur at ber har g a 8, 73 0, 8, 49 0, M ar k et abl e s ec ur iti es Ef e k- ef e k ya ng di b el i de ng an j anj i pur c has ed under di jual k em bal i 0, 0, 5, 9 9 0, agr eem ent to r es al e W es el e ks p or d an tag iha n l ai n n ya 11, 86 4, 4 3 11, 40 3, 2 5 Bi lls and ot her rec ei v abl es K redi t y ang di ber ik an 0, 0, 16, 03 6, 5 Loans L IA B IL IT A S L IA B IL IT IE S S im panan nas abah D epos its f rom c us tom er s - Gi ro 0, 1 7 0, 4 0, 1 6 0, 8 C ur rent ac c ount s - - T abung an 0, 3 5 0, 05 0, 3 6 0, 1 6 S av ings - - D epos ito ber jang ka 6, 32 0, 9 5 6, 8 1 0, 9 5 T im e depos its - S im panan dar i bank lai n 2, 8 6 0, 2, 3 5 0, D epos its f rom ot her bank s Ef e k- ef e k ya ng di ju al de ng an j anj i so ld under di bel i k em bal i r epo 5, 7 9 0, 7, 1 2 0, agr eem ent to r epur c has e P inj am an yang di ter im a 8, 3 0, 8, 3 0, B or row ings E fek hut ang y ang di ter bi tk an 10, 29 0, 10, 29 0, D ebt s ec ur iti es i s s ued The original consolidated financial statements included herein are in the Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2016 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut 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 December 31, 2016 and For the Year Then ended Expressed in millions of rupiah, unless otherwise stated

183

48. RISIKO SUKU BUNGA lanjutan 48.