KewajibanLiabilities KewajibanLiabilities Market Risk Disclosure using Standardized Approach

Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 243 Consolidated Financial Statements No. Pos - pos Post Sandi Code Saldo Balance Jatuh TempoMaturity 1 minggu 1 week 1 minggu - 2 minggu 2 weeks - 2 weeks 2 minggu - 1 bulan 2 weeks- 1 months 1 - 3 bulan 1 -3 months 3 - 6 bulan 3 - 6 months 6 - 12 bulan 6 - 12 months 12 bulan 12 months 3. Penempatan pada bank lain Interbank placement 1,020,400 795,400 100,000 125,000 - - - - 4. Surat Berharga Securities 4,516,805 - 31,867 49,794 983,646 60,389 2,235,719 1,155,390 a. SUN 3,101,831 - 24,858 49,794 192,928 20,304 2,045,171 768,776 1 diperdagangkan trading 48,869 - - - 48,869 - - - 2 tersedia untuk dijual available for sale - - - - - - - - 3 dimiliki hingga jatuh tempo held to maturity 3,052,962 - 24,858 49,794 144,059 20,304 2,045,171 768,776 4 pinjaman yang diberikan dan piutang loans and receivables - - - - - - - - b. Surat Berharga Korporasi Corporate Securities 1,414,974 - 7,009 - 790,718 40,085 190,548 386,614 1 diperdagangkan trading 735,727 - - - 735,727 - - - 2 tersedia untuk dijual available for sale - - - - - - - - 3 dimiliki hingga jatuh tempo held to maturity 679,247 - 7,009 - 54,991 40,085 190,548 386,614 4 pinjaman yang diberikan dan piutang loans and receivables - - - - - - - - c. Lainnya Other - - - - - - - - 5. Kredit yang Diberikan Loans 44,747,435 22,629 259,801 160,949 708,798 1,028,608 1,212,387 41,354,263 a. Belum Jatuh Tempo Non Past Due 44,338,658 22,629 259,801 160,949 708,798 1,028,608 1,212,387 40,945,486 b. Sudah Jatuh Tempo Past Due 408,777 - - - - - - 408,777 6. Tagihan Lainnya Other Receivable - - - - - - - - a. Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali RR Claims on Securities purchased under agreements to resell RR - - - - - - - - b. Lainnya Other - - - - - - - - 7. Lain-lain Others - - - - - - - -

B. KewajibanLiabilities

56,514,317 6,683,327 3,028,233 3,408,230 3,961,223 3,462,846 4,755,468 31,214,990 1. Dana Pihak Ketiga Third Party Funds 46,268,841 2,081,712 961,166 2,454,969 3,925,929 3,415,787 4,420,644 29,008,634 a. Giro Current Accounts 16,166,694 1,056,261 114,237 114,237 870,840 2,056,261 2,112,521 9,842,337 b. Tabungan Saving Accounts 11,739,641 160,392 160,392 389,523 1,420,612 1,130,917 2,261,835 6,215,970 c. Simpanan Berjangka Time Deposits 18,362,506 865,059 686,537 1,951,209 1,634,477 228,609 46,288 12,950,327 1 Deposito on call Deposits on call 324,962 210,575 77,881 36,506 - - - - 2 Deposito berjangka Time Deposits 18,037,544 654,484 608,656 1,914,703 1,634,477 228,609 46,288 12,950,327 3 Lainnya Other - - - - - - - - RISK MANAGEMENT MANAJEMEN RISIKO bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 244 No. Pos - pos Post Sandi Code Saldo Balance Jatuh TempoMaturity 1 minggu 1 week 1 minggu - 2 minggu 2 weeks - 2 weeks 2 minggu - 1 bulan 2 weeks- 1 months 1 - 3 bulan 1 -3 months 3 - 6 bulan 3 - 6 months 6 - 12 bulan 6 - 12 months 12 bulan 12 months 2. Kewajiban kepada Bank Indonesia Liabilities on Bank Indonesia - - - - - - - - 3. Kewajiban kepada bank lain Liabilities on Other Bank 4,632,106 3,692,106 875,000 65,000 - - - - 4. Surat Berharga yang Diterbitkan Securities Issued 2,400,000 - - - - - 276,000 2,124,000 a. Obligasi Bonds 2,400,000 - - - - - 276,000 2,124,000 b. Subordinasi Subordinated - - - - - - - - c. Lainnya Other - - - - - - - - 5. Pinjaman yang Diterima Borrowings 235,297 3,529 3,529 4,706 35,294 47,059 58,824 82,356 a. Pinjaman Subordinasi Subordinated Borrowings - - - - - - - - b. Lainnya Other 235,297 3,529 3,529 4,706 35,294 47,059 58,824 82,356 6. Kewajiban Lainnya Other Liabilities 2,978,073 905,980 1,188,538 883,555 - - - - a. Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali Repo Liability for Securities sold under repurchase agreements Repo 2,978,073 905,980 1,188,538 883,555 - - - - b. Lainnya Other - - - - - - - - 7. Lain-lain Others - - - - - - - -

C. Selisih Aset dengan

Kewajiban dalam Neraca Difference Assets to Liabilities in the Balance Sheet 7,518,610 1,949,656 2,636,565 1,822,487 1,768,779 348,849 850,971 11,294,663

II. Rekening Administratif Off-

Balance Sheet A. Tagihan Rekening Administratif Off-Balance Sheet Receivables - - - - - - - - 1. Komitmen Commitments - - - - - - - - a. Fasilitas pinjaman yang belum ditarik Undrawn borrowing facilities - - - - - - - - b. Posisi pembelian spot dan derivatif yang masih berjalan Outstanding buying spot and derivative - - - - - - - - 1 Spot Spot - - - - - - - - 2 Derivatif derivative - - - - - - - - c. Lainnya Other - - - - - - - - 2. Kontijensi Contingencies - - - - - - - - B. Kewajiban Rekening Administratif Liabilities Balance Sheet - - - - - - - - 1. Komitmen Commitments - - - - - - - - a. Fasilitas pinjaman yang belum ditarik Undrawn borrowing facilities - - - - - - - - Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 245 Consolidated Financial Statements No. Pos - pos Post Sandi Code Saldo Balance Jatuh TempoMaturity 1 minggu 1 week 1 minggu - 2 minggu 2 weeks - 2 weeks 2 minggu - 1 bulan 2 weeks- 1 months 1 - 3 bulan 1 -3 months 3 - 6 bulan 3 - 6 months 6 - 12 bulan 6 - 12 months 12 bulan 12 months b. Irrevocable LC yang masih berjalan Irrevocable L C is still running - - - - - - - - c. Posisi pembelian spot dan derivatif yang masih berjalan Outstanding buying spot and derivative - - - - - - - - 1 Spot Spot - - - - - - - - 2 DerivatifDerivative - - - - - - - - d. LainnyaOther - - - - - - - - 2. Kontijensi Contingencies - - - - - - - - C. Selisih Tagihan dan Kewajiban dalam Rekening Administratif Difference in Account Receivables and Payables Administrative - - - - - - - - Selisih IA-IB + IIA-IIB Net IA-IB + IIA-IIB 7,518,610 1,949,656 2,636,565 1,822,487 1,768,779 348,849 850,971 11,294,663 Selisih Kumulatif Cumulative Differences - 1,949,656 686,909 2,509,396 4,278,175 4,627,024 3,776,053 7,518,610 9.1.b Pengungkapan Profil Maturitas Rupiah - Bank secara Konsolidasi dengan Perusahaan Anak No. Pos - pos Post Sandi Code Saldo Balance Jatuh TempoMaturity 1 minggu 1 week 1 minggu - 2 minggu 2 weeks - 2 weeks 2 minggu - 1 bulan 2 weeks- 1 months 1 - 3 bulan 1 -3 months 3 - 6 bulan 3 - 6 months 6 - 12 bulan 6 - 12 months 12 bulan 12 months I. NeracaBalance Sheet A. AssetAssets 39,331 30,219 534 - 714 709 3,718 3,437 1. Kas Cash 1,259 1,259 2. Penempatan pada Bank Indonesia Placement to Bank Indonesia 3,400 3,400 - - - - - - a. Giro Current Accounts 3,400 3,400 b. SBI - c. Lainnya Other Depo Facility,Term Deposit Reverse Repo - 3. Penempatan pada bank lain Interbank placement 11,544 11,544 4. Surat Berharga Securities 1,937 1,937 a. SUN - - - - - - - - 1 diperdagangkan trading - 2 tersedia untuk dijual available for sale - 3 dimiliki hingga jatuh tempo held to maturity - 4 pinjaman yang diberikan dan piutang loans and receivables - 9.1.b Disclosure of Rupiah Maturity Profile - Bank Consolidated with Subsidiary RISK MANAGEMENT MANAJEMEN RISIKO bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 246 No. Pos - pos Post Sandi Code Saldo Balance Jatuh TempoMaturity 1 minggu 1 week 1 minggu - 2 minggu 2 weeks - 2 weeks 2 minggu - 1 bulan 2 weeks- 1 months 1 - 3 bulan 1 -3 months 3 - 6 bulan 3 - 6 months 6 - 12 bulan 6 - 12 months 12 bulan 12 months b. Surat Berharga Korporasi Corporate Securities 1,937 1,937 - - - - - - 1 diperdagangkan trading - 2 tersedia untuk dijual available for sale - 3 dimiliki hingga jatuh tempo held to maturity 1,937 1,937 4 pinjaman yang diberikan dan piutang loans and receivables - c. Lainnya Other - 5. Kredit yang Diberikan Loans 19,928 12,079 - - 8 706 3,707 3,428 a. Belum Jatuh Tempo Non Past Due 19,928 12,079 - - 8 706 3,707 3,428 b. Sudah Jatuh Tempo Past Due - 6. Tagihan Lainnya Other Receivable 1,240 - 534 - 706 - - - a. Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali RR Claims on Securities purchased under agreements to resell RR - b. Lainnya Other 1,240 - 534 - 706 - - - 7. Lain-lain Others 23 - - - - 3 11 9

B. KewajibanLiabilities

52,393 33,214 331 10,690 8,020 3 135 - 1. Dana Pihak Ketiga Third Party Funds 40,508 21,759 331 10,260 8,020 3 135 - a. Giro Current Accounts 15,927 15,927 - - - - - - b. Tabungan Saving Accounts 3,070 3,070 - - - - - - c. Simpanan Berjangka Time Deposits 21,511 2,762 331 10,260 8,020 3 135 - 1 Deposito on call Deposits on call 21,511 2,762 331 10,260 8,020 3 135 - 2 Deposito berjangka Time Deposits - 3 Lainnya Other - - - - - - - 2. Kewajiban kepada Bank Indonesia Liabilities on Bank Indonesia - - - - - - - 3. Kewajiban kepada bank lain Liabilities on Other Bank 10,000 10,000 - - - - - 4. Surat Berharga yang Diterbitkan Securities Issued - - - - - - - a. Obligasi Bonds - - - - - - - b. Subordinasi Subordinated - - - - - - - c. Lainnya Other - - - - - - - 5. Pinjaman yang Diterima Borrowings - - - - - - - a. Pinjaman Subordinasi Subordinated Borrowings - - - - - - - Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 247 Consolidated Financial Statements No. Pos - pos Post Sandi Code Saldo Balance Jatuh TempoMaturity 1 minggu 1 week 1 minggu - 2 minggu 2 weeks - 2 weeks 2 minggu - 1 bulan 2 weeks- 1 months 1 - 3 bulan 1 -3 months 3 - 6 bulan 3 - 6 months 6 - 12 bulan 6 - 12 months 12 bulan 12 months b. Lainnya Other - - - - - - - 6. Kewajiban Lainnya Other Liabilities 964 534 - 430 - - - a. Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali Repo Liability for Securities sold under repurchase agreements Repo - - - - - - - b. Lainnya Other 964 534 - 430 - - - 7. Lain-lain Others 921 921 - - - - - -

C. Selisih Aset dengan