RELATED PARTIES TRANSACTIONS continued

= ? A B CDE =FA A G F H I J K L M ?B CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 5101 – Schedule 45. SEGMEN OPERASI lanjutan

45. OPERATING SEGMENTS continued

2010 Produktif Konsumtif Tresuri Lain-lain Jumlah Productive Consumer Treasury Others Total Pendapatan bunga 58,685 365,531 19,932 - 444,148 Interest income Aset 579,842 1,975,940 538,865 151,115 3,245,762 Assets 2010 Deposito Giro Tabungan berjangka Demand Savings Lain-lain Jumlah Time deposits deposits deposits Others Total Beban bunga 167,863 5,800 6,955 598 181,216 Interest expense Liabilitas 2,264,264 260,480 278,942 48,502 2,852,188 Liabilities Segmen geografis Geographical segment 2012 Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Penghasilan bunga-bersih 362,156 13,894 56,370 - 432,420 Net interest income Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan dan financial and non- non keuangan 23,986 11,768 4,515 - 40,269 financial assets Pendapatan operasional lainnya 294,077 110,986 49,610 403,870 50,803 Other operating income Beban tenaga kerja 100,841 13,802 16,046 - 130,689 Personnel expense General and administrative Beban umum dan administrasi 439,505 62,036 56,758 403,870 154,429 expenses Laba operasional bersih 91,901 37,274 28,661 - 157,836 Net operating income Pendapatan dan beban Income and expenses bukan operasional 87,748 72,564 17,754 - 2,570 from non operations Income before Laba sebelum pajak penghasilan 4,153 109,838 46,415 - 160,406 income tax Beban pajak penghasilan 41,534 - - - 41,534 Income tax expense Laba bersih 37,381 109,838 46,415 - 118,872 Net income Jumlah aset 5,056,619 2,834,573 1,334,079 1,598,060 7,627,211 Total assets Jumlah liabilitas 6,182,398 1,603,545 901,390 1,598,060 7,089,273 Total liabilities 2011 Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Penghasilan bunga-bersih 247,190 50,230 22,819 - 320,239 Net interest income Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan dan financial and non- non keuangan 2,206 225 2,651 - 4,632 financial assets Pendapatan operasional lainnya 207,525 64,460 29,330 269,087 32,228 Other operating income Beban tenaga kerja 74,904 12,548 6,866 - 94,318 Personnel expense General and administrative Beban umum dan administrasi 320,978 57,460 30,093 269,087 139,444 expenses Laba operasional bersih 61.039 44,457 17,841 - 123,337 Net operating income Pendapatan dan beban Income and expenses bukan operasional 55,357 34,526 19,301 - 1,530 from non operations Income before Laba sebelum pajak penghasilan 5,682 78,983 37,142 - 121,807 income tax Beban pajak penghasilan 31,764 - - - 31,764 Income tax expense Laba bersih 26,082 78,983 37,142 - 90,043 Net income Jumlah aset 3,360,751 1,771,921 771,456 818,366 5,085,762 Total assets Jumlah liabilitas 3,768,726 1,144,500 517,728 818,366 4,612,588 Total liabilities NO P Q R S TUV NWR Q R X QW Y Q Z Q [ \ ] O PS CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 5102 – Schedule 45. SEGMEN OPERASI lanjutan

45. OPERATING SEGMENTS continued Segmen geografis

Geographical segment 2010 Jawa Barat Jakarta Lainnya Eliminasi Jumlah West Java Jakarta Others Elimination Total Penghasilan bunga-bersih 171,795 46,654 44,483 - 262,932 Net interest income Pembentukan cadangan Allowance for kerugian penurunan nilai impairment losses on atas aset keuangan dan financial and non- non keuangan 11,120 9,231 2,269 - 22,620 financial assets Pendapatan operasional lainnya 16,314 3,910 1,000 - 21,224 Other operating income Beban tenaga kerja 52,721 9,615 9,675 - 72,011 Personnel expense General and administrative Beban umum dan administrasi 71,719 20,747 13,150 - 105,616 expenses Laba operasional bersih 52,549 10,971 20,389 - 83,909 Net operating income Pendapatan dan beban Income and expenses bukan operasional 2,293 158 170 - 2,305 from non operations Income before Laba sebelum pajak penghasilan 50,256 11,129 20,219 - 81,604 income tax Beban pajak penghasilan 21,663 - - - 21,663 Income tax expense Laba bersih 28,593 11,129 20,219 - 59,941 Net income Jumlah aset 2,056,289 1,270,969 390,770 472,266 3,245,762 Total assets Jumlah liabilitas 1,697,849 1,239,114 387,491 472,266 2,852,188 Total liabilities 46. MANAJEMEN RISIKO 46. RISK MANAGEMENT Dalam menjalankan fungsinya sebagai lembaga intermediasi keuangan, Bank senantiasa dihadapkan pada berbagai risiko finansial maupun risiko non-finansial. Perkembangan bisnis yang pesat pada lingkungan eksternal dan internal perbankan juga menyebabkan risiko kegiatan gusaha bank semakin kompleks sehingga Bank harus mampu menerapkan manajemen risiko yang baik agar mampu beradaptasi dalam lingkungan bisnis perbankan. Oleh karena itu, prinsip-prinsip manajemen risiko yang diterapkan akan sangat mendukung Bank untuk dapat beroperasi secara lebih berhati-hati. Prinsip-prinsip manajemen risiko tersebut pada dasarnya telah menjadi standar bagi dunia perbankan yang penerapannya diarahkan oleh Bank Indonesia melalui Peraturan Bank Indonesia No. 58PBI2003 tanggal 19 Mei 2003 yang diubah dengan Peraturan Bank Indonesia No. 1125PBI2009 tanggal 1 Juli 2009 tentang Penerapan Manajemen Risiko bagi Bank Umum serta Surat Edaran Bank Indonesia No. 521DPNP tanggal 29 September 2003 perihal Penerapan Manajemen Risiko bagi Bank Umum. In conducting its function as a financial intermediary institution, the Bank always faces financial and non- financial risks. The rapid development in banking business externally and internally have resulted in a more complex risk for banks which forces the Bank implement a proper risk management to adapt with the banking business. Therefore, the risk management principle implemented will highly support the Bank to operate in a prudent manner. The risk management principles have become a standard for banking industry which implementation is regulated by Bank Indonesia through BI regulation No. 58PBI2003 dated 19 May 2003 amended by BI regulation No. 1125PBI2009 dated 1 July 2009 concerning “Application of Risk Management for Commercial Bank” and BI Circular Letter No. 521DPNP dated 29 September 2003 concerning the implementation of “Risk Management for Commercial Bank”.