KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES

PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in thousands Rupiah unless otherwise stated Lampiran – 5102– Schedule 44. INFORMASI SEGMEN USAHA lanjutan 44. SEGMENT INFORMATION continued b. Segmen Usaha lanjutan b. Business Segment continued Segmen Operasi lanjutan Operating Segment continued 2015 Konvensional Conventional Syariah Sharia Eliminasi Elimination Jumlah Total Pendapatan bunga dan syariah Interest income - bersih 316,494,656 39,984,854 - 356,479,510 and Sharia- net Pendapatan operasional Other operating lainnya 202,083,025 1,231,299 - 203,314,324 income Beban operasional lainnya 391,862,448 73,739,893 1,363,881 466,966,222 Other operating expense Incomeloss Labarugi operasional 126,715,233 32,523,740 1,363,881 92,827,612 from operations Jumlah aset 22,056,162,584 1,379,258,860 184,735,793 23,250,685,651 Total assets Jumlah liabilitas 19,940,425,213 126,675,543 35,510,931 20,031,589,825 Total liaibilities 2014 Konvensional Conventional Syariah Sharia Eliminasi Elimination Jumlah Total Pendapatan bunga dan syariah Interest income - bersih 292,110,640 45,509,163 - 337,619,803 and Sharia- net Pendapatan operasional Other operating lainnya 131,357,598 3,163,924 2,567,157 131,954,365 income Beban operasional lainnya 292,168,184 73,921,147 - 366,089,331 Other operating expense Incomeloss Labarugi operasional 131,300,054 25,248,060 2,567,157 103,484,837 from operations Jumlah aset 20,138,678,812 1,439,983,332 213,779,860 21,364,882,284 Total assets Jumlah liabilitas 18,400,817,621 134,237,725 100,432,251 18,434,623,095 Total liaibilities Segmen Geografis Geographic Segment Berikut ini adalah informasi segmen Grup berdasarkan daerah geografis: The following is the business segment information of the Group based on geographical area: 2015 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Syariah - Interest income neto 357,370,299 13,470,558 3,904,189 8,675,580 356,479,510 and Sharia - net Beban penyisihan kerugian Provision for penurunan nilai impairment aset keuangan losses on dan non- financial and non- keuangan 146,731,807 7,388,496 3,573,301 2,924,983 153,471,985 financial assets Pendapatan operasional Other operating lainnya 202,473,483 550,907 289,934 - 203,314,324 income General and administrative Beban umum dan expenses, administrasi, personnel tenaga kerja dan expenses and lain-lain 291,768,207 11,816,759 7,794,434 2,114,837 313,494,237 others Income from Laba operasional 121,343,768 32,124,906 27,010 3,635,760 92,827,612 operations Pendapatan non operasional - Non-operating neto 16,368,493 20,187,831 5,022,119 7,671,663 1,169,794 income - net Laba sebelum pajak Income before penghasilan 104,975,275 11,937,075 4,995,109 4,035,903 93,997,406 income tax Beban pajak Income tax penghasilan 75,810 - - - 75,810 expense Laba tahun berjalan 105,051,085 11,937,075 4,995,109 4,035,903 94,073,216 Profit for the year Jumlah aset 22,441,144,776 395,397,908 354,043,320 60,099,647 23,250,685,651 Total assets Jumlah liabilitas 19,303,172,294 379,069,371 286,167,043 63,181,117 20,031,589,825 Total liabilities PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in thousands Rupiah unless otherwise stated Lampiran – 5103– Schedule 44. INFORMASI SEGMEN USAHA lanjutan 44. SEGMENT INFORMATION continued b. Segmen Usaha lanjutan b. Business Segment continued Segmen Geografis lanjutan Geographic Segment continued Berikut ini adalah informasi segmen Grup berdasarkan daerah geografis: The following is the business segment information of the Group based on geographical area: 2014 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Syariah - Interest income neto 321,608,025 4,780,259 8,357,197 12,434,840 337,619,803 and Sharia - net Beban penyisihan kerugian Provision for penurunan nilai impairment aset keuangan losses on dan non- financial and non- keuangan 29,442,633 6,854,379 5,647,903 1,519,710 43,464,625 financial assets Pendapatan operasional Other operating lainnya 130,788,611 656,728 218,055 290,971 131,954,365 income General and administrative Beban umum dan expenses, administrasi, personnel tenaga kerja dan expenses and lain-lain 298,071,223 14,696,448 7,192,473 2,664,562 322,624,706 others Income from Laba operasional 124,882,780 25,674,358 4,265,124 8,541,539 103,484,837 operations Pendapatan non operasional - Non-operating neto 8,928,976 20,774,216 3,218,415 8,436,913 18,047,864 income - net Laba sebelum pajak Income before penghasilan 133,811,756 4,900,142 7,483,539 104,626 121,532,701 income tax Beban pajak Income tax penghasilan 15,833,357 - - - 15,833,357 expense Laba tahun berjalan 117,978,399 4,900,142 7,483,539 104,626 105,699,344 Profit for the year Jumlah aset 21,108,027,665 156,945,766 85,506,788 14,402,065 21,364,882,284 Total assets Jumlah liabilitas 18,165,767,295 161,564,082 92,994,278 14,297,440 18,434,623,095 Total liabilities

45. JAMINAN PEMERINTAH

TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM

45. GOVERNMENT GUARANTEE ON OBLIGATIONS OF PRIVATE BANKS

Berdasarkan Undang-undang Republik Indonesia No. 24 tahun 2004 tanggal 22 September 2004. Pemerintah telah membentuk lembaga penjaminan independen, yaitu Lembaga Penjamin Simpanan LPS untuk menjamin dana masyarakat termasuk dana dari bank lain dalam bentuk giro, deposito, sertifikat deposito, tabungan danatau bentuk lainnya yang dipersamakan dengan itu. Based on the Law of the Republic of Indonesia No. 24 year 2004 dated 22 September 2004, the Government of Republic Indonesia has established an independent insurance corporation by the name of Indonesia Deposit Insurance Corporation LPS. LPS insures public funds, including funds from other banks in form of demand deposits, time deposits, certificates of deposit, savings andor other equivalent form.