RISIKO OPERASIONAL OPERATIONAL RISK

PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASI Tahun yang berakhir pada tanggal-tanggal 30 September 2013 dan 2011 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years ended December 31, 2012 and 2011 Expressed in millions of rupiah, unless otherwise stated 191 49. RISIKO OPERASIONAL lanjutan 49. OPERATIONAL RISK continued Bank telah mengembangkan suatu kerangka kerja serta kebijakan dan pedoman Business Continuity Management BCM yang digunakan sebagai contingency plan bagi Bank dalam rangka meminimalkan kerugian yang timbul dari potensi- potensi risiko operational yang disebabkan oleh faktor eksternal seperti bencana alam, kebakaran, serta gangguan lainnya seperti gangguan sistem, listrik, saluran komunikasi dan lain-lain yang berada diluar kewenangan Bank dan entitas anak. Ruang lingkup BCM terdiri dari Business Continuity Plan BCP sebagai prosedur kelangsungan usaha Bank dan entitas anak serta Emergency Response Plan ERP sebagai prosedur tanggap darurat bencana dalam rangka penyelamatan data dan asset serta Disaster Recovery Plan DRP sebagai prosedur kelangsungan sistem dan infrastruktur pendukung Teknologi Informasi dan terus disempurnakan serta disesuaikan dengan perkembangan bisnis dan sistem yang dimiliki Bank dan entitas anak. Bank has developed a framework as weel as policies and also guidelines for Business Continuity Management BCM which are used as a contingency plan for the Bank and subsidiaries in order to minimize losses arising from potential operational risks caused by external factors such as natural disasters, fires, and other disruptions such as system, electricity, communication lines, and others that are outside the Bank‟s and subsidiaries‟ authority. The scope of BCM consists of Business Continuing Plan BCP as the Bank‟s and subsidiaries‟ business continuity procedures and Emergency Response Plan ERP as an emergency procedure in order to save data and assets also a Disaster Recovery Plan DRP as the continuity procedures for systems and supporting infrastructures of Information Technology and also enhanced and adapted continuously to business development and systems held by The Bank and subsidiaries.

50. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING

50. MONETARY ASSETS AND LIABILITIES IN FOREIGN CURRENCY

Pada tanggal 30 September 2013 dan entitas anak memilki aset dan liabilitas moneter yang signifikan dalam mata uang asing. Nilai aset dan liabilitas moneter dalam mata uang asing pada tanggal laporan posisi keuangan. As of September 30, 2013, the Bank and subsidiaries have significant monetary assets and liabilities denominated in foreign currencies. The value of these monetary assets and liabilities denominated in foreign currencies as of the consolidated statement of financial position date are presented below: Ekuivalen Rupiah Mata Uang Asing Equivalent in Foreign Currency Rupiah Aset Assets Kas Catatan 4 Cash Note 4 Dolar Amerika Serikat 783.000 8.458 United States Dollar Dolar Singapura 358.759 679 Singapore Dollar Euro Eropa 11.659 218 European Euro Riyal Saudi Arabia 6.132 96 Saudi Arabian Riyal Dolar Australia 73.971 110 Australian Dollar Yen Jepang 28.392.000 28 Japanese Yen Yuan Cina 126.413 15 Chinese Yuan Dolar Hong Kong 1.612 4 Hong Kong Dollar Poundsterling Inggris 41 - Great Britain Poundsterling Current Accounts with Giro pada Bank Indonesia Catatan 5 Bank Indonesia Note 5 Dolar Amerika Serikat 3.400.000 39.372 United States Dollar Current Accounts Giro pada Bank Lain Catatan 6 with other Banks Note 6 Dolar Amerika Serikat 9.338.535 - United States Dollar Euro Eropa 1.549.806 - European Euro Yuan Cina 279.569 - Chinese Yuan Dolar Singapura 446.207 - Singapore Dollar Dolar Australia 191.210 - Australian Dollar Poundsterling Inggris 76.204 - Great Britain Poundsterling Yen Jepang 776.845 - Japanese Yen Dolar Hong Kong 559.982 - Hong Kong Dollar PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASI Tahun yang berakhir pada tanggal-tanggal 30 September 2013 dan 2011 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years ended December 31, 2012 and 2011 Expressed in millions of rupiah, unless otherwise stated 192

50. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING lanjutan

50. MONETARY ASSETS AND LIABILITIES IN FOREIGN CURRENCY continued

Pada tanggal 30 September 2013, Bank dan entitas anak memilki aset dan liabilitas moneter yang signifikan dalam mata uang asing. Nilai aset dan liabilitas moneter dalam mata uang asing pada tanggal laporan posisi keuangan lanjutan. As of September 30, 2013, the Bank and subsidiaries have significant monetary assets and liabilities denominated in foreign currencies. The value of these monetary assets and liabilities denominated in foreign currencies as of the consolidated statement of financial position date are presented below continued:. Ekuivalen Rupiah Mata Uang Asing Equivalent in Foreign Currency Rupiah Penempatan pada Bank Placements with Bank Indonesia Indonesia dan Bank Lain Catatan 7 - - and Other Banks Note 7 Wesel Ekspor dan Tagihan Lainnya Catatan 10 Bills and Other Receivables Note 10 Dolar Amerika Serikat 5.203.856 50.568 United States Dollar Yuan Cina - - Chinese Yuan Kredit yang Diberikan Catatan 11 Loans Note 11 Dolar Amerika Serikat 23.477.202 228.140 United States Dollar Tagihan Akseptasi Catatan 13 Acceptance Payables Note 13 Dolar Amerika Serikat 15.493.177 150.555 United States Dollar Bunga yang Masih Akan diterima Catatan 16 Interest receivables Note 16 Dolar Amerika Serikat 98.770 960 United States Dollar Aset Lain-Lain Catatan 17 Other Assets Note 17 Dolar Amerika Serikat 2.784.786 27.062 United States Dollar Subtotal 596.205 Subtotal Liabilitas Liabilities Obligations Due Liabilitas segera Catatan 18 Immediately Note 18 Dolar Amerika Serikat 54.387 528 United States Dollar Deposits From Customers and Simpanan nasabah dan simpanan deposits from customers nasabah syariah Catatan 19 -Sharia Note19 Dolar Amerika Serikat - - United States Dollar Dolar Singapura 18.343.145 178.250 Singapore Dollar Euro Eropa 117.717 921 European Euro Yuan Cina - - Chinese Yuan Simpanan dari bank lain Catatan 20 Deposits from other banks Note 20 Dolar Amerika Serikat 13.000.000 126.328 United States Dollar Bunga yang masih harus dibayar Catatan 26 Interest payables Note 26 Dolar Amerika Serikat - - United States Dollar Liabilitas lain-lain Catatan 27 Other liabilities Note 27 Dolar Amerika Serikat 12.085 118 United States Dollar Euro Eropa - - European Euro Subtotal 305.089 Subtotal Aset bersih 291.116 Net assets