LABA PER SAHAM EARNINGS PER SHARE

PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2016 DAN 2015 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2016 AND 2015 Expressed in thousands Rupiah unless otherwise stated Lampiran – 591 – Schedule 46. INFORMASI SEGMEN USAHA

46. SEGMENT INFORMATION a. Bidang usaha

a. Business activities

Nama PerusahaanCompany Bidang UsahaBusiness Activities PT Bank Victoria International Tbk. PT Bank Victoria Syariah Perbankan KonvensionalConventionalbanking Perbankan SyariahBanking activities based on Sharia Principles b. Segmen Usaha b. Business Segment Segmen Operasi Operating Segment Bank telah menyajikan segmen operasi berdasarkan PSAK 5 Revisi 2009 mengenai Segmen Operasi. Segmen operasi dilaporkan sesuai dengan laporan internal Bank yang disiapkan untuk mengambil keputusan operasional yang bertanggung jawab untuk mengalokasikan sumber daya ke segmen tertentu dan penilaian atas performanya. The Bank presented operating segment based on PSAK 5 Revised 2009 regarding `Operating Segments. The operating segment reported is according to internal bank report prepared for operational decisions that are responsible for allocating resources to certain segments and assessment of performance. Tidak terdapat pendapatan dari satu konsumen eksternal atau pihak lain yang mencapai 10 atau lebih dari jumlah pendapatan Bank untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2016 dan 2015. There was no revenue from the external customers or other parties that reached 10 or more of the Banks income for the years ended 31 December 2016 and 2015 Berikut adalah informasi segmen Grup berdasarkan segmen operasi: The following is the segment information of the Group based on operating segments: 2016 Konvensional Conventional Syariah Sharia Eliminasi Elimination Jumlah Total Pendapatan bunga dan syariah Interest income - bersih 265,458,082 38,166,265 - 303,624,347 and Sharia- net Pendapatan operasional Other operating lainnya 312,489,188 968,554 - 313,457,742 income Beban operasional lainnya 454,062,962 77,754,230 1,189 531,818,381 Other operating expense Incomeloss Labarugi operasional 123,884,308 38,619,411 1,189 85,263,708 from operations Jumlah aset 24,679,512,632 1,625,183,249 304,714,598 25,999,981,283 Total assets Jumlah liabilitas 22,032,871,980 232,054,716 90,015,112 22,174,911,584 Total liaibilities 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 PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2016 DAN 2015 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2016 AND 2015 Expressed in thousands Rupiah unless otherwise stated Lampiran – 592 – Schedule 46. INFORMASI SEGMEN USAHA lanjutan

46. SEGMENT INFORMATION continued b. Segmen Usaha lanjutan

b. Business Segment continued

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: 2016 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Interest income Syariah -neto 323,796,485 12,542,594 12,227,397 4,597,853 303,624,347 and Sharia - net Beban penyisihan kerugian Provision for impairment penurunan nilai aset losses on financial and keuangan dan non-keuangan 170,470,614 9,186,161 401,504 192,115 179,447,386 non-financial assets Pendapatan operasional Other operating lainnya 312,305,071 515,601 586,669 50,401 313,457,742 income Beban umum dan General and administrative administrasi, expenses, personnel tenaga kerja dan expenses and lain-lain 328,970,924 11,627,024 7,769,333 4,003,714 352,370,995 others Income from Laba operasional 136,660,018 32,840,178 19,008,557 452,425 85,263,708 operations Pendapatan non Non-operating operasional -neto 21,523,900 9,452,510 3,141,764 1,330,701 7,598,925 income - net Laba sebelumpajak Income before penghasilan 158,183,918 42,292,688 22,150,321 878,276 92,862,633 income tax Beban pajak penghasilan 7,499,688 - - - 7,499,688 Income tax expense Laba tahun berjalan 165,683,606 42,292,688 22,150,321 878,276 100,362,321 Profit for the year Jumlah aset 25,721,687,071 106,395,498 128,917,864 42,980,850 25,999,981,283 Total assets Jumlah liabilitas 21,305,870,324 294,287,379 447,437,089 127,316,792 22,174,911,584 Total liabilities 2015 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Interest income Syariah -neto 357,370,299 13,470,558 3,904,189 8,675,580 356,479,510 and Sharia - net Beban penyisihan kerugian Provision for impairment penurunan nilai aset losses on financial and keuangan dan non-keuangan 146,731,807 7,388,496 3,573,301 2,924,983 153,471,985 non-financial assets Pendapatan operasional Other operating lainnya 202,473,483 550,907 289,934 - 203,314,324 income Beban umum dan General and administrative administrasi, expenses, 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 Non-operating operasional -neto 16,368,493 20,187,831 5,022,119 7,671,663 1,169,794 income - net Laba sebelumpajak Income before penghasilan 104,975,275 11,937,075 4,995,109 4,035,903 93,997,406 income tax Beban pajak penghasilan 75,810 - - - 75,810 Income tax 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