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 Juni 2013 dan 31 Desember 2012 Serta periode yang berakhir pada tanggal 30 Juni 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 June 30, 2013 and December 31, 2012 And for the period ended June 30, 2012 and 2013 Expressed in millions of rupiah, unless otherwise stated 94 11. KREDIT YANG DIBERIKAN lanjutan 11. LOANS continued e. Kisaran suku bunga e. Range of loan interest rates 30 Juni 2013 31 Desember 2012 June 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 Juni 2013 31 Desember 2012 June 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 408.151 270.668 226.863 131.829 Trading Jasa dunia usaha 112.932 76.525 126.641 81.357 Business services Industri 111.058 98.323 121.346 114.466 Industry Pertambangan 7.654 7.141 77.350 77.237 Mining Konstruksi 81.010 76.367 59.579 56.377 Construction Pertanian 104.266 88.094 32.102 24.795 Agriculture Jasa-jasa sosial 20.151 11.255 10.086 7.527 Social services Pengangkutan dan Transportation and pergudangan 2.364 1.681 1.261 1.122 warehousing Listrik. gas dan air 40 7 2 2 Electricity. gas and water Lain-lain 118.643 84.608 77.201 62.303 Others Total 966.269 714.669 732.431 557.015 Total Rasio kredit non-performing - kotor terhadap total kredit entitas induk adalah 2,31 dan 2,07 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans - gross to total loan ratios parent only are 2.31 and 2.07 as of June 30, 2013 and December 31, 2012 respectively. Rasio kredit non-performing - bersih terhadap total kredit entitas induk adalah 0,60 dan 0,50 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans - net to total loan ratios parent only are 0.60 and 0.50 as of June 30, 2013 and December 31, 2012, respectively. Rasio kredit dan pembiayaan syariah non- performing - kotor terhadap total kredit dan pembiayaan syariah konsolidasi adalah 2,43 dan 2,22 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans and sharia financing - gross to total loan and sharia financing consolidated are 2.43 and 2.22 as of June 30, 2013 and December 31, 2012, respectively. Rasio kredit dan pembiayaan syariah non- performing - bersih terhadap total kredit dan pembiayaan syariah konsolidasi adalah 0,62 dan 0,62 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans and sharia financing ratio - net to total loan and sharia financing consolidated are 0.62 and 0.62 as of June 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 Juni 2013 dan 31 Desember 2012 Serta periode yang berakhir pada tanggal 30 Juni 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 June 30, 2013 and December 31, 2012 And for the period ended June 30, 2012 and 2013 Expressed in millions of rupiah, unless otherwise stated 95

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 Juni 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 June 30, 2013 and December 31, 2012, respectively. Pada tanggal 30 Juni 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 64,13 dan 52,01. As of June 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 64.13 and 52.01, respectively. g. Kredit yang direstrukturisasi g. Restructured loans Kredit yang direstrukturisasi pada tanggal- tanggal 30 Juni 2013 dan 31 Desember 2012 masing-masing sebesar Rp181.148 dan Rp208.630. Rincian kredit yang direstrukturisasi adalah sebagai berikut: Restructured loans as of June 30, 2013 and December 31, 2012 amounted to Rp181,148 and Rp208,630, respectively. Details of the restructured loans are as follows: 30 Juni 2013 31 Desember 2012 June 30, 2013 December 31, 2012 Perpanjangan jangka waktu Extension of loan period dan penurunan bunga 169.049 171.630 and interest rate reduction Perpanjangan jangka waktu kredit 11.547 35.929 Extension of loan period Tambahan fasilitas 540 978 Additional loan commitments Perpanjangan jangka waktu Extension of loan period dan skema lain 12 93 and other schemes Total 181.148 208.630 Total Kredit yang direstrukturisasi berdasarkan kolektibilitas dan sektor ekonomi: Restructured loans by collectibility and economic sector: 30 Juni 2013 June 30, 2013 Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Current mention Substandard Doutbful Loss Total Konstruksi - 95.369 - - - 95.369 Construction Industri - - - - 58.812 58.812 Industry Jasa-jasa dunia usaha - - - - - - Business service Perdagangan 863 38 - - - 901 Trading Pertambangan 5.329 - - - - 5.329 Mining Listrik, gas dan air 4.657 - - - - 4.657 Electricity, gas and water Lain-lain 5.096 189 - 10.703 92 16.110 Other Total 15.945 95.596 - 10.703 58.904 181.148 Total