Berdasarkan jangka waktu perjanjian kredit By term of credit agreements

PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN UNAUDITED 30 September 2013 dan 31 Desember 2012 Serta periode yang berakhir pada tanggal 30 September 2013 dan 2012 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS UN-AUDITED September 30, 2013 and December 31, 2012 And for the period ended September 30, 2013 and 2012 Expressed in millions of rupiah, unless otherwise stated 95 11. KREDIT YANG DIBERIKAN lanjutan 11. LOANS continued e. Kisaran suku bunga e. Range of loan interest rates 30 September 2013 31 Desember 2012 September 30, 2013 December 31, 2012 Rupiah 3,00 - 31,14 3,00 - 31,14 Rupiah Dolar Amerika Serikat 7,00 - 14,00 7,00 - 14,00 United States Dollar

f. Ikhtisar

kredit non-performing berdasarkan sektor ekonomi f. Non-performing loans by economic sector 30 September 2013 31 Desember 2012 September 30, 2013 December 31, 2012 Cadangan Cadangan kerugian kerugian Kredit penurunan Kredit penurunan non-performing nilai non-performing nilai Non - Allowance Non - Allowance performing for impairment performing for impairment loans losses loans losses Rupiah Rupiah Perdagangan 484.488 322.919 226.863 131.829 Trading Jasa dunia usaha 118.474 100.061 126.641 81.357 Business services Industri 118.418 99.727 121.346 114.466 Industry Pertambangan 6.175 5.608 77.350 77.237 Mining Konstruksi 75.968 71.886 59.579 56.377 Construction Pertanian 120.593 99.603 32.102 24.795 Agriculture Jasa-jasa sosial 17.130 14.441 10.086 7.527 Social services Pengangkutan dan Transportation and pergudangan 3.100 2.264 1.261 1.122 warehousing Listrik. gas dan air - - 2 2 Electricity. gas and water Lain-lain 143.104 104.788 77.201 62.303 Others Total 1.087.450 821.296 732.431 557.015 Total Rasio kredit non-performing - kotor terhadap total kredit entitas induk adalah 2,46 dan 2,07 masing-masing untuk 30 September 2013 dan 31 Desember 2012. Non-performing loans - gross to total loan ratios parent only are 2.46 and 2.07 as of September 30, 2013 and December 31, 2012 respectively. Rasio kredit non-performing - bersih terhadap total kredit entitas induk adalah 0,59 dan 0,50 masing-masing untuk 30 September 2013 dan 31 Desember 2012. Non-performing loans - net to total loan ratios parent only are 0.59 and 0.50 as of September 30, 2013 and December 31, 2012, respectively. Rasio kredit dan pembiayaan syariah non- performing - kotor terhadap total kredit dan pembiayaan syariah konsolidasi adalah 2,58 dan 2,22 masing-masing untuk 30 September 2013 dan 31 Desember 2012. Non-performing loans and sharia financing - gross to total loan and sharia financing consolidated are 2.58 and 2.22 as of September 30, 2013 and December 31, 2012, respectively. Rasio kredit dan pembiayaan syariah non- performing - bersih terhadap total kredit dan pembiayaan syariah konsolidasi adalah 0,63 dan 0,62 masing-masing untuk 30 September 2013 dan 31 Desember 2012. Non-performing loans and sharia financing ratio - net to total loan and sharia financing consolidated are 0.63 and 0.62 as of September 30, 2013 and December 31, 2012, respectively. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN UNAUDITED 30 September 2013 dan 31 Desember 2012 Serta periode yang berakhir pada tanggal 30 September 2013 dan 2012 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS UN-AUDITED September 30, 2013 and December 31, 2012 And for the period ended September 30, 2013 and 2012 Expressed in millions of rupiah, unless otherwise stated 96

11. KREDIT YANG DIBERIKAN lanjutan f. Ikhtisar

kredit non-performing berdasarkan sektor ekonomi lanjutan 11. LOANS continued

f. Non-performing loans by economic sector continued

Rasio kredit dan pembiayaan syariah non- performing - bersih terhadap total aset keuangan konsolidasi adalah 1,03 dan 0,34 masing-masing untuk 30 September 2013 dan 31 Desember 2012. Non-performing loans and sharia financing ratio - net to total financial assets consolidated are 1.03 and 0.34 as of September 30, 2013 and December 31, 2012, respectively. Pada tanggal 30 September 2013 dan 31 Desember 2012, rasio jumlah cadangan kerugian penurunan nilai aset keuangan yang telah dibentuk berdasarkan PSAK No. 55 Revisi 2011 terhadap jumlah minimum cadangan kerugian penurunan nilai aset keuangan sesuai ketentuan Bank Indonesia masing-masing sebesar 65,78 dan 52,01. As of September 30, 2013 and December 31, 2012, the ratio of allowance for impairment losses on financial assets based on PSAK No. 55 Revised 2011 to minimum allowance for impairment losses based on Bank Indonesia regulation is 65.78 and 52.01, respectively. g. Kredit yang direstrukturisasi g. Restructured loans Kredit yang direstrukturisasi pada tanggal- tanggal 30 September 2013 dan 31 Desember 2012 masing-masing sebesar Rp. 180.048,- dan Rp. 208.630,-. Rincian kredit yang direstrukturisasi adalah sebagai berikut: Restructured loans as of September 30, 2013 and December 31, 2012 amounted to Rp. 180.048,- and Rp. 208.630,-., respectively. Details of the restructured loans are as follows: 30 September 2013 31 Desember 2012 September 30, 2013 December 31, 2012 Perpanjangan jangka waktu Extension of loan period dan penurunan bunga 168.309 171.630 and interest rate reduction Perpanjangan jangka waktu kredit 11.358 35.929 Extension of loan period Tambahan fasilitas 371 978 Additional loan commitments Perpanjangan jangka waktu Extension of loan period dan skema lain 10 93 and other schemes Total 180.048 208.630 Total Kredit yang direstrukturisasi berdasarkan kolektibilitas dan sektor ekonomi: Restructured loans by collectibility and economic sector: 30 September 2013 September 30, 2013 Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Current mention Substandard Doutbful Loss Total Konstruksi - 94.829 - - - 94.829 Construction Industri - - - - 58.812 58.812 Industry Jasa-jasa dunia usaha - - - - - - Business service Perdagangan 216 458 501 181 - 1.356 Trading Pertambangan 5.244 - - - - 5.244 Mining Listrik, gas dan air 4.468 - - - - 4.468 Electricity, gas and water Lain-lain 5.138 - - - 6 15.339 Other Total 15.066 95.287 501 181 58.818 180.048 Total