MODAL SAHAM SHARE CAPITAL

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 – 593– Schedule 31. PENDAPATAN BUNGA DAN SYARIAH 31. INTEREST AND SHARIA INCOME 2015 2014 Pendapatan bunga Interest income Pinjaman yang diberikan 1,555,583,118 1,525,586,546 Loans Efek-efek 247,278,626 193,837,883 Marketable securities Penempatan pada Bank Indonesia Placements with Bank Indonesia dan bank lain 66,582,202 162,025,664 and other banks Lainnya - - Others Jumlah 1,869,443,946 1,881,450,093 Total Pendapatan syariah Sharia income Pendapatan margin 45,638,512 75,787,172 Margin income Pendapatan bagi hasil 76,495,742 53,324,937 Profit sharing Pendapatan surat berharga syariah 16,930,043 14,194,360 Income from sharia marketable securities Pendapatan ijarah - neto 281,814 595,541 Net income from ijarah Pendapatan usaha utama lainnya 5,020,137 5,946,844 Income from other main operational 144,366,248 149,848,854 Jumlah 2,013,810,194 2,031,298,947 Total Jumlah pendapatan bunga dari pihak berelasi untuk tahun yang berakhir pada tanggal 31 Desember 2015 dan 2014 masing-masing adalah sebesar Rp 932.134 dan Rp 1.218.914 Catatan 40. Total interest income from related parties for the years ended 31 December 2015 and 2014 amounted to Rp 932,134 and Rp 1,218,914, respectively Note 40. 32. BEBAN BUNGA DAN SYARIAH 32. INTEREST AND SHARIA EXPENSES 2015 2014 Simpanan dana pihak ketiga Third party deposits Deposito 1,405,480,941 1,474,290,099 Time deposits Tabungan 67,221,241 33,013,080 Savings deposits Giro 29,267,882 38,038,703 Demand deposits Obligasi yang diterbitkan 102,490,278 103,500,000 Bonds issued Amortization of bonds Amortisasi emisi obligasi 2,221,674 1,495,143 issuance cost Simpanan dari bank lain Deposits from other banks Call money 50,648,668 43,325,581 Call money Lain-lain - 16,538 Others Jumlah 1,657,330,684 1,693,679,144 Total Jumlah beban bunga dari pihak berelasi untuk tahun yang berakhir pada tanggal 31 Desember 2015 dan 2014 masing-masing adalah sebesar Rp 6.499.899 dan Rp 3.110.054 Catatan 40. Total interest expenses from related parties for the years ended 31 December 2015 and 2014 amounted to Rp 6,499,899 and Rp 3,110,054, respectively Note 40 33. PENDAPATAN OPERASIONAL LAINNYA 33. OTHER OPERATING INCOME 2015 2014 Denda keterlambatan 20,572,490 16,081,235 Penalty income Pendapatan biaya administrasi jasa Receipt of administrative charges perbankan 6,759,522 8,359,489 for banking services Penerimaan dari transaksi ATM 527,566 484,842 Income from ATM transactions Penerimaan dari Western Union 23,663 69,811 Income from Western Union Penerimaan administrasi Telkom 30,711 61,823 Administration income - Telkom Lain-lain 2,528,706 4,312,436 Others Jumlah 30,442,658 29,369,636 Total Pendapatan lain-lain sebagian besar terdiri dari penerimaan pelunasan dipercepat dari pembiayaan syariah. Others mainly consists of early repayments of sharia financing. 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 – 594– Schedule

34. BEBANPEMULIHAN PENYISIHAN KERUGIAN PENURUNAN NILAI ASET KEUANGAN DAN

NON-KEUANGAN 34. PROVISION FORREVERSAL OF ALLOWANCE FOR IMPAIRMENT LOSSES ON FINANCIAL AND NON-FINANCIAL ASSETS Bebanpemulihan penyisihan kerugian penurunan nilai aset keuangan: Provision forreversal of impairment losses on financial assets are as follows: 2015 2014 Current accounts with other banks Giro pada bank lain Catatan 6 70,797 21,669 Note 6 Efek-efek Catatan 8 3,007,484 30,342 Marketable securities Notes 8 Pinjaman yang diberikan Catatan 11 114,048,242 44,720,319 Loans Note 11 Jumlah 116,984,929 44,711,646 Total PemulihanBeban Penyisihan Kerugian Penurunan Nilai Aset Non-Keuangan ReversalProvision for Impairment Losses of Non-Financial Assets 2015 2014 Agunan yang diambil alih, rekening Foreclosed assets, suspense perantara dan tagihan lainnya 36,487,056 1,247,021 accounts and other receivables 35. BEBAN UMUM DAN ADMINISTRASI 35. GENERAL AND ADMINISTRATIVE EXPENSES 2015 2014 Premi asuransi 33,186,059 32,208,828 Insurance premium Penyusutan Catatan 14 18,462,322 17,176,747 Depreciation Note 14 Sewa gedung 15,634,866 14,191,991 Building rental Pemeliharaan dan perbaikan 10,690,797 11,061,475 Repairs and maintenance Pungutan OJK Tahunan 10,145,252 4,774,148 Annual fee OJK Asuransi 7,049,101 5,481,066 Insurance Telepon, telex dan faksimili 6,386,927 8,163,282 Telephone, telex and facsimile Pendidikan dan pengembangan 6,166,825 8,409,547 Study and development Iklan dan promosi 3,424,523 3,053,951 Advertising and promotion Pemakaian listrik, gas air minum 3,412,268 3,381,212 Electricity, gases and waters Biaya jasa pihak ketiga 3,381,119 3,674,502 Third party fee Barang cetakan dan alat tulis 3,221,340 3,490,403 Printing items and stationery Pengembangan teknologi 3,173,862 5,841,161 Technology development Jasa profesional 2,069,623 1,998,323 Professional fees Transportasi 584,285 864,398 Transportation Benda pos dan materai 67,229 90,805 Postage and stamp Lainnya 4,601,271 6,215,590 Others Jumlah 131,657,669 130,077,429 Total 36. BEBAN TENAGA KERJA 36. PERSONNEL EXPENSES 2015 2014 Gaji dan tunjangan 117,771,072 123,578,189 Salaries and allowance Tunjangan Hari Raya dan bonus 16,145,019 28,057,037 Tunjangan Hari Raya and bonus Biaya jasa tenaga kerja 19,718,791 18,478,112 Outsourcing service expenses Imbalan pasca kerja Catatan 24 10,423,181 10,928,021 Post-employment benefits Note 24 Lain-lain 1,974,052 1,059,825 Others Jumlah 166,032,115 182,101,184 Total