By issuer continued MARKETABLE SECURITIES continued

bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 482 Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2013 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, 2013 and For the Year Then ended Expressed in millions of rupiah, unless otherwise stated 84

11. WESEL EKSPOR

DAN TAGIHAN LAINNYA lanjutan

11. BILLS AND OTHER RECEIVABLES continued c.

Tingkat suku bunga per tahun c. Annual interest rates Dolar Amerika Serikat United States Yuan China RupiahRupiah Dollar Chinese Yuan 2013 3,25 11,40 - 2013 2012 8,76 3,50 3,25 2012 Informasi mengenai jatuh tempo wesel ekspor dan tagihan lainnya diungkapkan pada Catatan 48. Information with respect to maturities of bills and other receivables is disclosed in Note 48. 12. KREDIT YANG DIBERIKAN 12. LOANS

a. Berdasarkan

jenis, mata uang dan kolektibilitas a. By type, currency and collectibility 2013 2012 Jumlah nosional Jumlah nosional mata uang asing mata uang asing Notional amount Notional amount in foreign Ekuivalen in foreign Ekuivalen currencies Rupiah currencies Rupiah angka penuh Equivalent angka penuh Equivalent full amount Rupiah full amount Rupiah Pihak-pihak berelasi Related parties Rupiah Rupiah Modal kerja 664.344 114.431 Working capital Sindikasi 210.978 - Syndicated Konsumsi 32.003 18.605 Consumer Investasi 17.864 36.990 Investment Program pemerintah 1.081 610 Government programs Karyawan 265 21.453 Employees 926.535 192.089 Dolar Amerika Serikat United States Dollar Modal kerja 246.001 2.994 381.987 3.681 Working capital 929.529 195.770 Pihak ketiga Third parties Rupiah Rupiah Konsumsi 32.029.181 24.129.814 Consumer Modal kerja 8.342.322 8.218.447 Working capital Investasi 1.743.665 1.047.392 Investment Sindikasi 824.906 766.947 Syndicated Program pemerintah 809.329 438.769 Government programs Karyawan 390.003 330.418 Employees 44.139.406 34.931.787 Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 483 Consolidated Financial Statements Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2013 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, 2013 and For the Year Then ended Expressed in millions of rupiah, unless otherwise stated 85 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continued

a. Berdasarkan

jenis, mata uang dan kolektibilitas lanjutan a. By type, currency and collectibility continued 2013 2012 Jumlah nosional Jumlah nosional mata uang asing mata uang asing Notional amount Notional amount In foreign Ekuivalen in foreign Ekuivalen currencies Rupiah currencies Rupiah angka penuh Equivalent angka penuh Equivalent full amount Rupiah full amount Rupiah Dolar Amerika Serikat United States Dollar Modal kerja 18.055.825 219.739 25.047.694 241.397 Working capital Investasi 1.635.654 19.906 564.089 5.436 Investment 44.379.051 35.178.620 Total 45.308.580 35.374.390 Total Cadangan kerugian Allowance penurunan nilai 1.019.520 605.667 for impairment losses Neto 44.289.060 34.768.723 Net Rincian kredit yang diberikan berdasarkan kolektibilitas adalah sebagai berikut: Loans based on collectibility are as follow: 2013 2012 Pokok Cadangan Pokok Cadangan Principal Allowance Principal Allowance Individual 604.246 487.529 5.420.906 343.111 Individual Kolektif Collective Lancar 42.327.228 10.449 28.775.929 7.779 Current Dalam perhatian khusus 1.593.911 2.907 798.528 13.379 Special mention Kurang lancar 157.304 19.206 69.208 11.920 Substandard Diragukan 165.482 42.493 104.233 26.195 Doubtful Macet 460.409 456.936 205.586 203.283 Loss Total 45.308.580 1.019.520 35.374.390 605.667 Total

b. Berdasarkan sektor ekonomi

b. By economic sector

2013 2012 Perdagangan 4.717.611 4.321.224 Trading Jasa-jasa dunia usaha 2.655.031 2.484.038 Business services Konstruksi 1.933.505 1.550.108 Construction Industri 1.292.551 971.387 Industry Pertanian 1.013.849 372.723 Agriculture Listrik,gas, dan air 301.569 48.372 Electricity,gas, and water Pengangkutan dan pergudangan 247.898 328.088 Transportation and warehousing Jasa-jasa sosial 237.025 366.012 Social services Pertambangan 100.328 544.391 Mining Lain-lain 32.809.213 24.388.047 Others Total 45.308.580 35.374.390 Total Cadangan kerugian Allowance penurunan nilai 1.019.520 605.667 for impairment losses Neto 44.289.060 34.768.723 Net