Okay so you are trying to get a bitmap from a file? Title says URL. Anyways, when you are getting files from external storage in Android you should never use a direct path. Instead call getExternalStorageDirectory() like so:
File bitmapFile = new File(Environment.getExternalStorageDirectory() + "/" + PATH_TO_IMAGE);
Bitmap bitmap = BitmapFactory.decodeFile(bitmapFile);
getExternalStorageDirectory() gives you the path to the SD card.
Also you need to declare the WRITE_EXTERNAL_STORAGE permission in the Manifest.