d [idr] B- Modal inti Tambahan aT-1 -

Lapor an T ahunan 20 15 Annual R eport 49 5 dalam Juta Rp in million Rp no KaTeGoRi PoRToFoLio PoRTFoLio CaTeGoRY 31 Desember 2015 December 31, 2015 aTMR RWa Beban Modal Capital Expenses 31 Desember 2014 December 31, 2014 aTMR RWa Beban Modal Capital Expenses Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact 20 35 40 45 50 75 100 150 Lainnya other 20 35 40 45 50 75 100 150 Lainnya other 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 C Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit Risk Counterparty Credit Risk Exposure 1 Tagihan Kepada Pemerintah Receivables from Government - - - - - - - - - - - - - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities - - - - - - - - - - - - - - - - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - - - - - - - - - - - - - - 4 Tagihan Kepada Bank Receivables from Banks - - - - - - - - - - - - - - - - - - - - - - - - 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, Small Business, and Retail Portfolio - - - - - - - - - - - - - - - - - - - - - - - - 6 Tagihan kepada Korporasi Receivables from Corporations - 9,000 - - - - - - - - 9,000 720 - - - - - - - - - - - - 7 Eksposur di Unit Usaha Syariah apabila ada Exposure in Sharia Business Unit if any - - - - - - - - - - - - - - - - - - - - - - - - ToTaL eKsPosUR CoUnTeRPaRTY CReDiT RisK ToTaL CoUnTeRPaRTY CReDiT RisK eXPosURe - 9,000 - - - - - - - - 9,000 720 - - - - - - - - - - - - 49 6 PT Bank V ict oria Int erna tional T bk. Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit – Bank secara individual Table 4.2.a. net Receivables and Credit Risk Mitigation impacts – Bank, individually dalam Juta Rp in million Rp no Kategori Portofolio 31 Desember 2015 December 31, 2015 Bagian Yang Tidak Dijamin Part not Guaranteed 31 Desember 2014 December 31, 2014 Bagian Yang Tidak Dijamin Part not Guaranteed Portfolio Category Tagihan Bersih net Receivables Bagian Yang Dijamin Dengan Part Guaranteed by Tagihan Bersih net Receivables Bagian Yang Dijamin Dengan Part Guaranteed by agunan Collateral Garansi Guarantee asuransi Kredit Loan insurance Lainnya other agunan Collateral Garansi Guarantee asuransi Kredit Loan insurance Lainnya other 1 2 3 4 5 6 7 8 = 3 - [4+5+6+7] 3 4 5 6 7 8 = 3- [4+5+6+7] 2 A Eksposur Neraca Balance Sheet Exposure 1 Tagihan Kepada Pemerintah 4,209,427 - - - 4,209,427 4,107,359 - - - 4,107,359 Receivables from Government 2 Tagihan Kepada Entitas Sektor Publik 117,680 - - - 117,680 324,279 - - - 324,279 Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga wInternasional - - - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank 2,214,898 3,600 - - 2,211,298 2,117,956 6,606 - - 2,111,349 Receivables from Banks 5 Kredit Beragun Rumah Tinggal 526,704 960 - - 525,744 515,316 1,480 - - 513,836 Residential Property Collateralized Loans 6 Kredit Beragun Properti Komersial 2,921,762 339,261 - - 2,582,500 2,253,820 595,161 - - 1,658,658 Commercial Property Collateralized Loans 7 Kredit Pegawai Pensiunan - - - - - - - - - - EmployeeRetirement Loans 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 1,628,361 563,273 - - 1,065,088 1,677,187 256,201 - - 1,420,986 Receivables from Microbusiness, Small Business, and Retail Portfolio 9 Tagihan kepada Korporasi 7,271,640 695,510 - - 6,576,129 8,343,514 778,978 - - 7,564,536 Receivables from Corporations 10 Tagihan yang Telah Jatuh Tempo 478,225 - - - 478,225 296,175 - - - 296,175 Due Receivables 11 Aset Lainnya 886,138 - - - 918,036 347,230 54,213 - - 293,017 Other Assets 12 Eksposur di Unit Usaha Syariah apabila ada - - - - - - - - - - Exposure in Sharia Business Unit if any ToTaL eKsPosUR neRaCa 20,254,834 1,602,604 - - - 18,684,128 19,982,836 1,692,639 - - - 18,290,197 ToTaL BaLanCe sHeeT eXPosURe