BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES

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 – 593– Schedule 39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI lanjutan 39. INFORMATION OF RELATED PARTIES continued Transaksi dengan Pihak-pihak Berelasi lanjutan Transactions with Related Parties continued 2014 2013 Liabilitas Liabilities Deposits from customers Simpanan nasabah Catatan 18 Note 18 Giro 4,716,000 5,052,615 Demand deposits Tabungan 20,111,550 12,057,762 Savings deposits Deposito berjangka 47,306,497 15,306,799 Time deposits Jumlah 72,134,047 32,417,176 Total Persentase terhadap jumlah liabilitas 0.39 0.18 Percentage from total liabilities Dana Syirkah Temporer Temporary Syirkah Funds catatan 24 Note 24 Deposito mudharabah 2,049,545 11,730,488 Mudharabah deposit Tabungan mudharabah 1,546,742 1,241,573 Mudharabah saving deposit Jumlah 3,596,287 12,972,061 Total Persentase terhadap jumlah Percentage from total dana syirkah temporer 0.31 1.12 temporary syirkah funds Pendapatan bunga Catatan 30 1,218,914 2,375,956 Interest income Note 30 Persentase terhadap jumlah Percentage from pendapatan bunga 0.06 0.17 total interest income Beban bunga Catatan 31 3,110,054 1,574,429 Interest expenses Note 31 Persentase terhadap jumlah Percentage from beban bunga 0.18 0.15 total interest expenses Beban tenaga kerja Catatan 35 Personnel expenses Note 35 Gaji dan tunjangan Dewan Salaries and allowances of the Komisaris, Direksi dan Boards of Commissioners, pejabat eksekutif 34,263,499 35,205,162 Directors and executive officers Persentase terhadap jumlah Percentage from beban tenaga kerja 18.82 22,78 total personnel expenses Komitmen dan kontinjensi Commitments and Catatan 40 contingencies Note 40 Fasilitas kredit yang belum digunakan 18,509,270 18,346,489 Unused loans facilities Penerbitan jaminan dalam bentuk garansi 157,500 257,500 Issued bank guarantees Jumlah 18,666,770 18,603,989 Total Persentase terhadap jumlah Percentage from total liabilitas komitmen dan commitments and contingencies kontinjensi - neto 1.28 1,45 liabilities - net Bank dan Entitas Anak memberikan kompensasi kepada Dewan Komisaris, Direksi dan pejabat eksekutif untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013 sebagai berikut: The Bank and its Subsidiary provided compensation to Board of Commissioners, Directors and executive officers for the years ended 31 December 2014 and 2013 as follows: 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 – 594– Schedule 39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI lanjutan 39. INFORMATION OF RELATED PARTIES continued Transaksi dengan Pihak-pihak Berelasi lanjutan Transactions with Related Parties continued 2014 2013 Dewan Komisaris: Board of Commissioners: Imbalan kerja jangka pendek 5,118,224 5,284,447 Short-term employee benefits Direksi: Directors Imbalan kerja jangka pendek 12,063,156 13,259,117 Short-term employee benefits Pejabat eksekutif: Executive officers: Imbalan kerja jangka pendek 17,082,119 13,453,633 Short-term employee benefits Imbalan kerja jangka panjang - 3,207,965 Long-term employee benefits Jumlah 34,263,499 35,205,162 Total Terdiri dari gaji, tunjangan, THR dan bonus Terdiri dari imbalan pasca kerja Consist of salaries, allowances, THR and bonuses Consist of post employment benefit Tidak ada kompensasi dalam bentuk imbalan pasca kerja, imbalan kerja jangka panjang lainnya, pesangon pemutusan kontrak kerja dan pembayaran berbasis saham kepada Dewan Komisaris dan Direksi. There are no compensation of post-employment benefits, other long-term benefits, termination benefits and share-based payment to the Boards of Commisioners and Directors. 40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTS AND CONTINGENCIES Dalam bisnis normal perbankan, Bank mempunyai komitmen dan kontinjensi yang tidak disajikan dalam laporan keuangan konsolidasian. On normal bank business, the Bank has commitments and contingencies which not presented on the consolidated financial statements. Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak adalah sebagai berikut: The following is the summary of the Banks commitments and contingencies at contractual amounts: 2014 2013 Komitmen: Commitments Liabilitas komitmen: Commitment liabilities: Fasilitas kredit yang belum digunakan: Unused loans facilities Pihak berelasi 18,509,270 18,346,489 Related parties Pihak ketiga 1,320,581,650 1,243,398,978 Third parties Liabilitas komitmen - neto 1,339,090,920 1,261,745,467 Commitment liabilities - net Kontinjensi: Contingencies Tagihan kontinjensi: Contingent receivables: Interest receivables on non- Pendapatan bunga dalam performing loans - penyelesaian - pihak ketiga 72,148,986 100,016,715 third parties Liabilitas kontinjensi: Contingent liabilities: Penerbitan jaminan dalam bentuk bank garansi: Issued bank guarantees Pihak ketiga 182,822,454 122,568,812 Third parties Pihak berelasi 157,500 257,500 Related parties Tagihan kontinjensi - neto 110,830,968 22,809,597 Contingent receivables - net Jumlah liabilitas komitmen dan Total commitment and kontinjensi - neto 1,449,921,888 1,284,555,064 contingencies liabilities - net