RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued RISIKO OPERASIONAL OPERATIONAL RISK

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 186 49. RISIKO OPERASIONAL lanjutan 49. OPERATIONAL RISK continued Disamping melakukan proses manajemen risiko terhadap risiko yang melekat dalam aktivitas existing, Bank dan entitas anak juga menerapkan manajemen risiko secara menyeluruh atas rencana penerbitan produk dan aktivitas baru sesuai dengan jenis risiko yang telah ditetapkan dalam PBI No. 58PBI2003 beserta perubahannya melalui PBI No. 1125PBI2009 tentang penerapan Manajemen Risiko Bagi Bank Umum dan SE BI No. 1135DPNP tanggal 31 Desember 2009 perihal Pelaporan Produk dan Aktivitas Baru. In addition of conducting risk management process for inherent risk in the existing activity, the Bank and subsidiaries also implement a comprehensive risk management for issuance of new products and activities plan and in accordance with the type of risk that has been established in PBI No. 58PBI2003 and its amandement through PBI No. 1125PBI2009 on the Implementation of Risk Management for Bank and Bank Indonesia Circular Letter No. 1135DPBP dated December 31, 2009, regarding New Products and Activities Report. Bank telah melakukan perhitungan beban modal risiko operasional berdasarkan Basel Committee on Banking Supevision dan SE BI No. 113DPNP tanggal 27 Januari 2009 perihal Perhitungan Aset Tertimbang Menurut Risiko ATMR Risiko Operasional dengan menggunakan Pendekatan Indikator Dasar PID. Bank dan entitas anak menggunakan metodologi pendekatan Basic Indicator dan saat ini masih dalam proses pengembangan terhadap perhitungan beban modal risiko operasional dengan metode Standardized Approach serta pengumpulan data risiko yang digunakan dalam perhitungan beban modal Risiko Operasional dengan menggunakan pendekatan yang lebih kompleks Advanced Measurement Approach. The Bank have been calculation operational risk capital requirements under Basel Committee on Banking Supervision and Bank Indonesia Circular Letter No. 113DPNP dated Januari 27, 2009 regarding the calculation of Risk Weighted Assets RWA Operational risk by Using the Basic indicator Approach BIA. Bank and subsidiaries using Basic Indicator approach and methodology, are currently doing a development of the capital allowance calculation by using Standardize Approach method and the collection of risk data which are used in calculating operational in capital charges risks using a more complex approach Advanced Measurement Approach. Bank telah mengembangkan suatu kerangka kerja serta kebijakan dan pedoman Business Continuity Management BCM yang digunakan sebagai contingency plan bagi Bank dalam rangka meminimalkan kerugian yang timbul dari potensi- potensi risiko operasional yang disebabkan oleh faktor eksternal seperti bencana alam, kebakaran, serta gangguan lainnya seperti gangguan sistem, listrik, saluran komunikasi dan lain-lain yang berada diluar kewenangan Bank dan entitas anak. Ruang lingkup BCM terdiri dari Business Continuity Plan BCP sebagai prosedur kelangsungan usaha Bank dan entitas anak serta Emergency Response Plan ERP sebagai prosedur tanggap darurat bencana dalam rangka penyelamatan data dan asset serta Disaster Recovery Plan DRP sebagai prosedur kelangsungan sistem dan infrastruktur pendukung Teknologi Informasi dan terus disempurnakan serta disesuaikan dengan perkembangan bisnis dan sistem yang dimiliki Bank dan entitas anak. Bank has developed a framework as weel as policies and also guidelines for Business Continuity Management BCM which are used as a contingency plan for the Bank and subsidiaries in order to minimize losses arising from potential operational risks caused by external factors such as natural disasters, fires, and other disruptions such as system, electricity, communication lines, and others that are outside the Bank‟s and subsidiaries‟ authority. The scope of BCM consists of Business Continuing Plan BCP as the Bank‟s and subsidiar ies‟ business continuity procedures and Emergency Response Plan ERP as an emergency procedure in order to save data and assets also a Disaster Recovery Plan DRP as the continuity procedures for systems and supporting infrastructures of Information Technology and also enhanced and adapted continuously to business development and systems held by The Bank and subsidiaries. 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 187

50. MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM

50. CAPITAL MANAGEMENT

AND CAPITAL ADEQUACY RATIO CAR Tujuan utama manajemen permodalan Bank adalah untuk memastikan bahwa permodalan telah memenuhi persyaratan permodalan ekternal dan mempertahankan peringkat kredit yang kuat dan rasio permodalan yang sehat dalam rangka menunjang bisnis dan memaksimalkan nilai pemegang saham. The primary objective of the Bank‟s capital management is to ensure that it complies with externally imposed capital requirements and it maintains strong credit ratings and healthy capital ratios in order to support its business and to maximize shareholders‟ value. Bank mengatur struktur modal dan membuat penyesuaian atas perubahan kondisi ekonomi dan karakteristik risiko kegiatannya. Dalam rangka mempertahankan atau menyesuaikan struktur modal, Bank dapat menyesuaikan jumlah pembayaran deviden kepada pemegang saham, struktur pengembalian modal, atau penerbitan modal sekuritas. Tidak terdapat perubahan tujuan, kebijakan dan proses dari tahun sebelumnya. The Bank manages its capital structure and makes adjustments to it in the light of changes in economic conditions and the risk characteristics of its activities. In order to maintain or adjust the capital structure, the Bank may adjust the amount of dividend payment to shareholders, return capital structure, or issue capital securities. No changes were made in the objectives, policies and processes from the previous year. CAR pada tanggal 30 Juni 2017 dan 31 Desember 2016 dihitung berdasarkan Peraturan Bank Indonesia PBI No. 1512PBI2013 tentang Kewajiban Penyediaan Modal Minimum Bank Umum dimana modal untuk risiko kredit terdiri dari modal inti modal inti utamaCommon Equity Tier 1 dan modal inti tambahan dan modal pelengkap. CAR on June 30, 2017 and December 31, 2016 was calculated based on Bank Indonesia Regulation PBI No.1512PBI2013 concerning the Minimum Capital Requirement for Commercial Banks where capital for credit risk consist of core capital Common Equity Tier 1 and additional Tier 1 and supplementary capital Tier 2. Sejak tanggal 24 Agustus 2015, Bank telah menerapkan Peraturan Otoritas Jasa Keuangan POJK No. 11POJK.032015 tentang Ketentuan Kehati-Hatian Dalam Rangka Stimulus Perekonomian Nasional Bagi Bank Umum. Since August 24, 2015, the Bank has implemented the Regulation of the Financial Services Authority POJK No. 11POJK.032015 about Prudential Provisions in the Framework of the National Economic Stimulus for Commercial Banks.