TEMPORARY SYIRKAH FUNDS Liabilitas imbalan pasca kerja

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 – 584 – Schedule 35. BEBAN PENYISIHAN KERUGIAN PENURUNAN NILAI ASET KEUANGAN DAN NON-KEUANGAN 35. PROVISION FOR 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: 2016 2015 Current accounts with Giro pada bank lain Catatan 6 - 70,797 other banks Note 6 Efek-efek Catatan 8 3,450,000 3,007,484 Marketable securities Notes 8 Pinjaman yang diberikan Catatan 11 167,518,355 114,048,242 Loans Note 11 Jumlah 164,068,355 116,984,929 Total Beban Penyisihan Kerugian Penurunan Nilai Aset Non-Keuangan Provision Impairment Losses of Non-Financial Assets 2016 2015 Agunan yang diambil alih, Foreclosed assets, rekening perantara dan suspense accounts and tagihan lainnya 15,379,031 36,487,056 other receivables 36. BEBAN UMUM DAN ADMINISTRASI 36. GENERAL AND ADM INISTRATIVE EXPENSES 2016 2015 Premi asuransi 39,694,915 33,186,059 Insurance premium Penyusutan Catatan 14 22,629,636 18,462,322 Depreciation Note 14 Sewa gedung 16,660,682 15,634,866 Building rental Pungutan OJK Tahunan 11,388,318 10,145,252 Annual fee OJK Pemeliharaan dan perbaikan 10,698,956 10,690,797 Repairs and maintenance Asuransi 7,842,555 7,049,101 Insurance Pendidikan dan pengembangan 6,152,988 6,166,825 Study and development Telepon, telex dan faksimili 6,063,799 6,386,927 Telephone, telex and facsimile Pengembangan teknologi 4,332,114 3,173,862 Technology development Jasa profesional 4,022,055 2,069,623 Professional fees Barang cetakan dan alat tulis 3,924,546 3,221,340 Printing items and stationery Pemakaian listrik, gas air minum 3,281,532 3,412,268 Electricity, gases and waters Biaya jasa pihak ketiga 2,726,783 3,381,119 Third party fee Iklan dan promosi 2,081,624 3,424,523 Advertising and promotion Amortisasi aset tidak berwujud 1,620,695 1,781,745 Amortisation of intangible assets Transportasi 649,527 584,285 Transportation Benda pos dan materai 81,850 67,229 Postage and stamp Lainnya 3,818,147 2,819,526 Others Jumlah 147,670,722 131,657,669 Total 37. BEBAN TENAGA KERJA 37. PERSONNEL EXPENSES 2016 2015 Gaji dan tunjangan 120,470,764 117,771,072 Salaries and allowance Biaya jasa tenaga kerja 21,409,137 19,718,791 Outsourcing service expenses Tunjangan Hari Raya Tunjangan Hari Raya dan bonus 19,044,769 16,145,019 and bonus Imbalan pasca kerja Post-employment benefits Catatan 25 12,241,228 10,423,181 Note 25 Lain-lain 3,414,959 1,974,052 Others Jumlah 176,580,857 166,032,115 Total Termasuk dalam beban tenaga kerja adalah kompensasi yang diberikan kepada manajemen dan karyawan kunci Catatan 42. Included in the personnel expenses are compensation to key management and employees Note 42. 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 – 585 – Schedule 38. BEBAN OPERASIONAL LAINNYA

38. OTHER OPERATING EXPENSES

2016 2015 Beban membership ATM dan ATM membership and annual iuran tahunan ATM 7,116,308 6,407,980 fee ATM expenses Beban parkir dan tol 3,852,235 4,196,110 Parking and tolls expenses Beban pemasaran 781,576 1,623,144 Marketing expenses Beban administrasi Administration and clearing dan kliring 697,067 551,709 expenses Beban representasi Representation and dan jamuan 479,585 522,457 entertainment expenses Beban keperluan kantor 240,007 200,579 Office supplies expenses Beban sumbangan 83,527 97,957 Donation expenses Lain-lain 14,870,958 18,192,947 Others Jumlah 28,121,263 31,792,883 Total

39. PENDAPATANBEBAN NON OPERASIONAL – NETO

39. NON-OPERATING INCOMEEXPENSE- NET

2016 2015 Pendapatan Non Operasional: Non-Operating Income: Laba penjualan aset tetap Gain on sale of fixed assets Catatan 14 10,747,716 709,341 Note 14 Gain on sale of foreclosed Laba penjualan AYDA 3,932,149 - assets Hasil sewa 165,600 174,108 Rent fees Lain-lain 551,806 693,941 Others Beban Non Operasional: Non-operating expense: Loss on sale of foreclosed Rugi penjualan AYDA 4,460,664 - assets Lain – lain 3,337,682 407,596 Others Pendapatan Non Operasional - Neto 7,598,925 1,169,794 Non-Operating Income - Net 40. LABA PER SAHAM 40. EARNINGS PER SHARE Laba per saham dasar dihitung dengan membagi laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk dengan jumlah rata-rata tertimbang saham biasa yang beredar pada tahun bersangkutan. Basic earnings per share is calculated by diving the income for the year attributable to shareholders by the weighted-average number of ordinary shares outstanding during the year. Laba per saham dilusian dihitung dengan membagi laba bersih dengan rata-rata tertimbang jumlah saham yang beredar ditambah dengan rata-rata tertimbang jumlah saham yang akan diterbitkan atas konversi efek yang berpotensi saham yang bersifat dilutif. Diluted earnings per share is calculated by dividing net income by the weighted average number of shares outstanding plus the weighted average number of shares outstanding which would be issued on the conversion of the dilutive potential shares.