CAPITAL STOCK continued AR 2014 Bank Victoria

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 – 589– Schedule 31. BEBAN BUNGA DAN SYARIAH lanjutan

31. INTEREST AND SHARIA EXPENSES continued

Jumlah beban bunga dari pihak berelasi untuk tahun yang berakhir pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp 3.110.054 dan Rp 1.574.429 Catatan 39. Total interest expenses from related parties for the years ended 31 December 2014 and 2013 amounted to Rp 3,110,054 and Rp 1,574,429, respectively Note 39. 32. PENDAPATAN OPERASIONAL LAINNYA 32. OTHER OPERATING INCOME 2014 2013 Denda keterlambatan 16,081,235 7,787,379 Penalty income Pendapatan biaya administrasi jasa Receipt of administrative charges perbankan 8,359,489 8,385,974 for banking services Penerimaan dari transaksi ATM 484,842 324,892 Income from ATM transactions Penerimaan dari Western Union 69,811 68,975 Income from Western Union Penerimaan administrasi Telkom 61,823 43,533 Administration income - Telkom Lain-lain 4,312,436 1,592,878 Others Jumlah 29,369,636 18,203,631 Total Pendapatan lain-lain sebagian besar terdiri dari penerimaan pelunasan dipercepat dari pembiayaan syariah. Others mainly consists of early repayments of sharia financing.

33. BEBANPEMULIHAN PENYISIHAN KERUGIAN PENURUNAN NILAI ASET KEUANGAN DAN

NON-KEUANGAN 33. 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: 2014 2013 Current accounts with other banks Giro pada bank lain Catatan 6 21,669 15,247 Note 6 Penempatan pada bank lain - Placements with other banks Catatan 7 200,000 Note 7 Efek-efek Catatan 8 30,342 361,341 Marketable securities Notes 8 Kredit yang diberikan Catatan 10 44,720,319 55,596,283 Loans Note 10 Jumlah 44,711,646 56,142,377 Total PemulihanBeban Penyisihan Kerugian Penurunan Nilai Aset Non-Keuangan ReversalProvision for Impairment Losses on Non- Financial Assets 2014 2013 Properti terbengkalai, rekening Abandoned properties, suspense perantara dan tagihan lainnya 1,247,021 423,839 accounts and other receivables