By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued

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 106 12. PEMBIAYAAN SYARIAH lanjutan 12. SHARIA FINANCING continued e. Kisaran setara marjin dan bagi hasil e. Range of equivalent margin and profit sharing 30 September 2013 31 Desember 2012 September 30, 2013 December 31, 2012 Rupiah 6,50 - 10,00 6,50 - 10,00 Rupiah

f. Ikhtisar pembiayaan

syariah non- performing berdasarkan sektor ekonomi f. Non-performing sharia financing by economic sector 30 September 2013 31 Desember 2012 September 30, 2013 December 31, 2012 Cadangan Cadangan kerugian kerugian Pembiayaan penurunan Pembiayaan penurunan non-performing nilai non-performing nilai Non - Allowance Non - Allowance performing for impairment performing for impairment loans losses loans losses Perdagangan 10.781 7.715 9.820 4.916 Trading Jasa dunia usaha 10.017 7.168 6.095 2.972 Business services Konstruksi 21.458 15.354 5.782 3.088 Construction Jasa-jasa sosial 987 706 1.326 621 Social services Industri 4.464 3.194 3.363 1.635 Industry Pertanian 389 278 409 66 Agriculture Pengangkutan dan Transportation and Pergudangan 85.454 61.148 86.190 40.226 warehousing Listrik, gas dan air - - - - Electricity, gas and water Lain-lain 9.463 6.771 4.432 1.755 Others Total 143.013 102.334 117.417 55.279 Total Pada tanggal 30 September 2013 dan 31 Desember 2012, rasio pembiayaan syariah non- performing - kotor terhadap jumlah pembiayaan syariah masing-masing sebesar 3,97 dan 3,97. As of September 30, 2013 and December 31, 2012, non-performing sharia financing ratios - gross to total sharia financing are 3.97 and 3.97, respectively. Pada tanggal 30 September 2013 dan 31 Desember 2012, rasio pembiayaan syariah non- performing - neto terhadap jumlah pembiayaan syariah masing-masing sebesar 1,17 dan 2,10. As of September 30, 2013 and December 31, 2012, non-performing sharia financing ratios - net to total sharia financing are 1.17 and 2.10, respectively.

g. Perubahan cadangan kerugian penurunan nilai

g. Movements

in the allowance for impairment losses 30 September 2013 31 Desember 2012 September 30, 2013 December 31, 2012 Saldo awal 77.844 33.444 Beginning balance Penyisihan selama tahun berjalan 22.567 43.840 Provision during the year Pembalikan penyisihan Reversal of selama tahun berjalan 318 - Provision during the year Penghapusbukuan selama tahun berjalan 787 - Write-offs during the year Penerimaan kembali pembiayaan yang telah dihapus buku 211 560 Recovery of loans written-off Saldo akhir 99.518 77.844 Ending balance Minimum cadangan Minimum allowance for kerugian menurut BI 98.037 77.100 impairment losses per BI Rasio 101,51 100,96 Ratio Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai yang dibentuk cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya pembiayaan syariah yang diberikan. Management believes that the allowance for impairment losses is adequate to cover possible losses arising from uncollectible sharia financing.