SALDO LABA YANG TELAH DITENTUKAN PENGGUNAANNYA

PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in thousands Rupiah unless otherwise stated Lampiran – 590– Schedule 34 BEBAN UMUM DAN ADMINISTRASI

34. GENERAL AND ADMINISTRATIVE EXPENSES

2014 2013 Premi asuransi 32,208,828 26,344,336 Insurance premium Penyusutan Catatan 14 17,176,747 16,282,150 Depreciation Note 14 Sewa gedung 14,191,991 11,730,128 Building rental Pemeliharaan dan perbaikan 11,061,475 10,358,211 Repairs and maintenance Pendidikan dan pengembangan 8,409,547 9,166,186 Study and development Telepon, telex dan faksimili 8,163,282 6,572,816 Telephone, telex and facsimile Pengembangan teknologi 5,841,161 5,061,883 Technology development Asuransi 5,481,066 3,526,060 Insurance Pungutan OJK Tahunan 4,774,148 - Annual fee OJK Biaya jasa pihak ketiga 3,674,502 1,145,225 Third party fee Barang cetakan dan alat tulis 3,490,403 2,453,747 Printing items and stationery Pemakaian listrik, gas air minum 3,381,212 2,604,867 Electricity, gases and waters Iklan dan promosi 3,053,951 3,659,492 Advertising and promotion Jasa profesional 1,998,323 989,470 Professional fees Transportasi 864,398 644,031 Transportation Benda pos dan materai 90,805 156,768 Postage and stamp Lainnya 6,215,590 2,045,555 Others Jumlah 130,077,429 102,740,925 Total 35. BEBAN TENAGA KERJA 35. PERSONNEL EXPENSES 2014 2013 Gaji dan tunjangan 123,578,189 107,227,886 Salaries and allowance Tunjangan Hari Raya dan bonus 28,057,037 18,378,366 Tunjangan Hari Raya and bonus Biaya jasa tenaga kerja 18,478,112 15,790,620 Outsourcing service expenses Imbalan pasca kerja Catatan 23 10,928,021 12,517,754 Post-employment benefits Note 23 Lain-lain 1,059,825 655,201 Others Jumlah 182,101,184 154,569,827 Total Termasuk dalam beban tenaga kerja adalah kompensasi yang diberikan kepada manajemen dan karyawan kunci Catatan 39. Included in the personnel expenses are compensation to key management and employees Note 39. 36. BEBAN OPERASIONAL LAINNYA 36. OTHER OPERATING EXPENSES 2014 2013 Beban membership ATM dan ATM membership and Annual ATM tahunan ATM 3,240,929 2,706,737 expenses Beban pajak - 14,770,868 Tax expenses Beban parkir dan tol 930,044 1,097,240 Parking and tolls expenses Beban representasi Representation and dan jamuan 761,746 819,582 entertainment expenses Beban pemasaran 569,112 1,205,203 Marketing expenses Beban administrasi dan kliring 716,665 852,577 Administration and clearing expenses Beban keperluan kantor 206,681 174,198 Office supplies expenses Beban sumbangan 125,685 203,609 Donation expenses Lain-lain 3,895,231 2,353,057 Others Jumlah 10,446,093 24,183,071 Total