Penerbitan obligasi AR 2015 Bank Victoria Final

PenDaPaTan BeBan oPeRasionaL Tabel Pendapatan Beban operasional Table of income and expense from operations dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pendapatan Bunga dan syariah 2,013,810 2,031,299 17,489 0.86 interest income and sharia Pendapatan Bunga 1,869,444 1,881,450 12,006 0.64 Interest Income Pendapatan Syariah 144,366 149,849 5,483 3.66 Sharia Income Beban Bunga dan syariah 1,657,331 1,693,679 36,348

2.15 interest and sharia expenses

Simpanan Dana Pihak Ketiga 1,501,970 1,545,342 43,372 2.81 Third Party Deposits Obligasi yang Diterbitkan 102,490 103,500 1,010 0.98 Bonds Issued Amortisasi Emisi Obligasi 2,222 1,495 727 48.59 Amortization of Bonds Issuance Cost Simpanan Dari Bank Lain 50,649 43,326 7,323 16.90 Deposits from Other Banks Lain-lain - 17 17 100.00 Others ToTaL 356,480 337,620 18,860

5.59 ToTaL

Pada tahun 2015, pendapatan operasional Bank mencapai Rp356,48 miliar. Pencapaian tersebut meningkat Rp18,86 miliar atau sebesar 5,59 dari tahun 2014 yang mencapai Rp337,62 miliar. Peningkatan pendapatan operasional disebabkan penurunan beban bunga dan syariah yang lebih besar dari penurunan pendapatan bunga dan syariah. Penurunan beban bunga dan syariah mencapai Rp36,35 miliar atau sebesar 2,15 menjadi Rp1.657,33 miliar dari Rp1.693,68 miliar di 2014. Sedangkan, penurunan pendapatan bunga dan syariah mencapai Rp17,49 miliar atau sebesar 0,86 menjadi Rp2.013,81 miliar dari Rp2.031,30 miliar di 2014. Adapun penurunan beban bunga dan syariah khususnya berasal dari penurunan beban simpanan dana pihak ketiga yang mencapai Rp43,37 miliar atau sebesar 2,81. Penurunan beban simpanan dana pihak ketiga tersebut khususnya berasal dari penurunan beban simpanan deposito yang disebabkan Bank melakukan reproiling dana ke dana ritel serta dana yang bersifat jangka pendek ke dana yang bersifat jangka panjang. PenDaPaTan BeBan oPeRasionaL LainnYa Tabel Pendapatan Beban operasional Lainnya Table of other operating income and expenses dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pendapatan operasional Lainnya 203,314 131,954 71,360 54.08 other operating income Pendapatan dari Investasi Reksadana 67,947 66,594 1,353 2.03 Income from Mutual Funds Keuntungan Atas Penjualan Efek-efek yang Diperdagangkan dan Tersedia Untuk Dijual - neto 92,238 30,329 61,909 204.12 Gains on Sale of Trading and Available for Sale Securities - net inCoMe anD eXPense FRoM oPeRaTions In 2015, the Bank’s operating income reached Rp356.48 billion. This achievement signiied an increase of Rp18.86 billion or 5.59 from 2014 igure of Rp337.62 billion. The increase in operating income was due to a decrease in interest and sharia expense being greater than the decline in interest income and sharia. The decrease in interest and sharia expense was Rp36.35 billion or 2.15, reaching Rp1,657.33 billion frm Rp1,693.68 billion in 2014. Meanwhile, the decline in interest income and sharia was Rp17.49 billion or 0.86, reaching Rp2,013.81 billion from Rp2,031.30 billion in 2014. The decrease in interest and sharia expense was especially derived from the decrease in third party deposits, which amounted to Rp43.37 billion or 2.81. The decrease in third party deposits was primarily owing to the decrease in saving deposits as the Bank conducted a funds reproiling, shifting its focus towards retail funds and moving from short-term funds to long-term funds. oTHeR oPeRaTinG inCoMe anD eXPenses