Informasi KREDIT YANG DIBERIKAN lanjutan LOANS continued

bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 496 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 98 13. PEMBIAYAAN SYARIAH lanjutan 13. SHARIA FINANCING continued

c. Berdasarkan sektor ekonomi

c. By economic sector

Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Desember 2013 Current mention Substandard Doubtful Loss Total December 31, 2013 Jasa dunia usaha 1.025.819 20.219 2.052 580 8.148 1.056.818 Business services Perdagangan 195.860 19.033 4.613 1.050 7.155 227.711 Trading Konstruksi 203.473 701 72 1.049 20.252 225.547 Constructions Pengangkutan dan Transportation pergudangan 137.736 - 9.547 - 18 147.301 and warehousing Jasa-jasa sosial 134.334 962 286 131 353 136.066 Social services Industri 151.935 31.817 2.066 - 3.395 189.213 Industry Pertambangan 27.411 2.987 - - - 30.398 Mining Electricity, gas and Listrik, gas dan air 59.995 293 - - - 60.288 water Pertanian 26.502 211 - - 389 27.102 Agriculture Lain-lain 1.474.161 13.298 1.393 1.268 3.196 1.493.316 Others Total 3.437.226 89.521 20.029 4.078 42.906 3.593.760 Total Cadangan kerugian Allowance penurunan nilai 33.747 2.981 855 1.019 23.492 62.094 for impairment losses Neto 3.403.479 86.540 19.174 3.059 19.414 3.531.666 Net Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Desember 2012 Current mention Substandard Doubtful Loss Total December 31, 2012 Jasa dunia usaha 854.281 1.232 652 - 5.443 861.608 Business services Perdagangan 320.296 1.331 713 276 8.831 331.447 Trading Konstruksi 295.590 - - - 5.782 301.372 Constructions Pengangkutan dan Transportation pergudangan 148.428 - - 85.958 232 234.618 and warehousing Jasa-jasa sosial 98.711 1.012 183 123 1.020 101.049 Social services Industri 95.613 12 370 - 2.993 98.988 Industry Pertambangan 39.375 179 - - - 39.554 Mining Electricity, gas and Listrik, gas dan air 14.858 - - - - 14.858 water Pertanian 8.794 - 353 - 56 9.203 Agriculture Lain-lain 954.917 6.276 1.344 423 2.665 965.625 Others Total 2.830.863 10.042 3.615 86.780 27.022 2.958.322 Total Cadangan kerugian Allowance penurunan nilai 22.126 439 363 40.487 14.429 77.844 for impairment losses Neto 2.808.737 9.603 3.252 46.293 12.593 2.880.478 Net

d. Berdasarkan periode sisa jatuh tempo

d. By remaining period to maturity

2013 2012 Rupiah Rupiah Kurang dari sama dengan 1 tahun 406.239 1.045.714 Less than equal to 1 year Lebih dari 1 - 5 tahun 1.380.414 1.412.790 More than 1 - 5 years Lebih dari 5 - 10 tahun 1.286.236 468.941 More than 5 - 10 years Lebih dari 10 tahun 520.871 30.877 More than 10 years Total 3.593.760 2.958.322 Total Cadangan Allowance kerugian penurunan nilai 62.094 77.844 for impairment losses Neto 3.531.666 2.880.478 Net