18.35 Modal inti Tambahan aT-1 -

Lapor an T ahunan 20 15 Annual R eport 47 9 Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan sektor ekonomi – Bank secara individual Table 2.5.a. Receivables and allowances by economic sector - Bank, individually dalam Juta Rp in million Rp 31 Desember 2015 December 31, 2015 no sektor ekonomi Tagihan Receivables Tagihan yang Mengalami Penurunan nilai impaired Receivables Cadangan kerugian penurunan nilai CKPn - individual i ndividual impairment Losses allowance iLa Cadangan kerugian penurunan nilai CKPn - Kolektif Collective impairment Losses allowance iLa Tagihan yang dihapus buku Receivables Written Of economic sector Belum Jatuh Tempo not Due Telah jatuh tempo Due 1 2 3 4 5 6 7 8 2 1 Pertanian, perburuan dan Kehutanan 60,384 - 11,999 1,425 2,217 - Agriculture, hunting and forestry 2 Perikanan 209,173 - 17,630 328 - - Fishery 3 Pertambangan dan Penggalian 293,777 1,499 45,396 376 2,005 - Mining and excavation 4 Industri pengolahan 1,640,334 78,573 177,391 48,801 8,020 16,081 Processing industry 5 Listrik, Gas dan Air 2,262 - - - 3 - Power, gas and water 6 Konstruksi 1,127,657 80,530 26,661 5,554 4,787 - Construction 7 Perdagangan besar dan eceran 973,587 26,477 34,737 1,444 5,301 14,669 Wholesale and retail trading 8 Penyediaan akomodasi dan penyediaan makan minum 1,003,927 174,003 25,156 11,882 4,446 - Provision of accomodation and foods beverages 9 Transportasi, pergudangan dan komunikasi 232,358 47,074 100,654 13,162 2,525 - Transportation, warehousing and communications 10 Perantara keuangan 8,902,290 - - - 5,594 - FInancial agency 11 Real estate, usaha persewaan dan jasa perusahaan 2,198,934 320,835 47,741 73,640 8,902 - Real estate, leasing and corporate services 12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib - - - - - - Government administration, land business and mandatory social service 13 Jasa pendidikan 76,694 61,140 3,386 - 2,436 - Educational services 14 Jasa kesehatan dan kegiatan sosial 20,787 - 1,700 - 117 - Health and social services 15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 299,803 - 13,575 4,224 1,168 4,811 Societal, sociocultural, entertainment and other individual services 16 Jasa perorangan yang melayani rumah tangga 4,339 - - - 7 - Individual household-related services 17 Badan internasional dan badan ekstra internasional lainnya - - - - - - International and other extrainternational agencies 18 Kegiatan yang belum jelas batasannya 1,471,226 - - - - - Non-deined activities 19 Bukan Lapangan Usaha 659,517 7,919 32,732 1,064 2,744 - Non-business 20 Lainnya 886,138 - - - - - Others ToTaL 20,063,197 798,050 538,763 161,904 50,280 35,560 ToTaL 480 PT Bank V ict oria Int erna tional T bk. dalam Juta Rp in million Rp 31 Desember 2014 December 31, 2014 no sektor ekonomi Tagihan Receivables Tagihan yang Mengalami Penurunan nilai impaired Receivables Cadangan kerugian penurunan nilai CKPn - individual i ndividual impairment Losses allowance iLa Cadangan kerugian penurunan nilai CKPn - Kolektif Collective impairment Losses allowance iLa Tagihan yang dihapus buku Receivables Written Of economic sector Belum Jatuh Tempo not Due Telah jatuh tempo Due 1 2 3 4 5 6 7 8 2 1 Pertanian, perburuan dan Kehutanan 306,197 - 4,007 513 - - Agriculture, hunting and forestry 2 Perikanan 187,317 - 17,654 43 - - Fishery 3 Pertambangan dan Penggalian 635,895 - 14,225 1,458 - - Mining and excavation 4 Industri pengolahan 1,531,275 34,103 141,872 3,610 44,768 16,686 Processing industry 5 Listrik, Gas dan Air 1,861 - - 5 - - Power, gas and water 6 Konstruksi 1,121,286 - 15,776 2,501 560 - Construction 7 Perdagangan besar dan eceran 1,189,479 10,022 77,260 3,004 10,449 6,658 Wholesale and retail trading 8 Penyediaan akomodasi dan penyediaan makan minum 1,012,858 450 44,858 2,563 26,639 - Provision of accomodation and foods beverages 9 Transportasi, pergudangan dan komunikasi 423,180 - 26,956 977 - 3,109 Transportation, warehousing and communications 10 Perantara keuangan 9,828,663 - - 6,392 - - FInancial agency 11 Real estate, usaha persewaan dan jasa perusahaan 1,568,679 14,857 29,060 23,905 20,698 426 Real estate, leasing and corporate services 12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib - - - - - - Government administration, land business and mandatory social service 13 Jasa pendidikan 137,783 - - 338 - - Educational services 14 Jasa kesehatan dan kegiatan sosial 19,367 - - 48 - - Health and social services 15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 187,107 1,402 1,282 466 - - Societal, sociocultural, entertainment and other individual services 16 Jasa perorangan yang melayani rumah tangga 2,196 - - 5 - - Individual household-related services 17 Badan internasional dan badan ekstra internasional lainnya - - - - - - International and other extrainternational agencies 18 Kegiatan yang belum jelas batasannya 434,759 - - - - - Non-deined activities 19 Bukan Lapangan Usaha 624,307 10,505 26,525 1,586 184 874 Non-business 20 Lainnya 347,230 - - - - - Others ToTaL 19,559,440 71,339 399,474 47,416 103,298 27,752 ToTaL Lapor an T ahunan 20 15 Annual R eport 481 Tabel 2.5.b. Pengungkapan Tagihan dan Pencadangan Berdasarkan sektor ekonomi – Bank secara Konsolidasi dengan Perusahaan anak Table 2.5.b. Receivables and allowances by economic sector - Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp 31 Desember 2015 December 31, 2015 no seKToR eKonoMi Tagihan Receivables Tagihan yang Mengalami Penurunan nilai impaired Receivables Cadangan kerugian penurunan nilai CKPn - individual i ndividual impairment Losses allowance iLa Cadangan kerugian penurunan nilai CKPn - Kolektif Collective impairment Losses allowance iLa Tagihan yang dihapus buku Receivables Written Of eConoMiC seCToR Belum Jatuh Tempo not Due Telah jatuh tempo Due 1 2 3 4 5 6 7 8 2 1 Pertanian, perburuan dan Kehutanan 56,625 - 12,000 1,428 2,218 - Agriculture, hunting and forestry 2 Perikanan 37,548 - 17,630 329 - - Fishery 3 Pertambangan dan Penggalian 294,878 1,499 45,396 376 2,024 - Mining and excavation 4 Industri pengolahan 1,659,628 117,962 232,247 77,167 8,692 16,081 Processing industry 5 Listrik, Gas dan Air 2,262 - - - 3 - Power, gas and water 6 Konstruksi 1,297,602 80,530 39,725 10,151 5,396 - Construction 7 Perdagangan besar dan eceran 1,143,260 67,722 113,401 19,578 7,160 14,669 Wholesale and retail trading 8 Penyediaan akomodasi dan penyediaan makan minum 1,005,097 174,003 25,157 11,882 4,473 - Provision of accomodation and foods beverages 9 Transportasi, pergudangan dan komunikasi 288,659 47,812 103,150 13,663 3,008 - Transportation, warehousing and communications 10 Perantara keuangan 8,853,539 275 2,081 6,372 - FInancial agency 11 Real estate, usaha persewaan dan jasa perusahaan 2,256,035 325,835 48,674 73,641 9,366 - Real estate, leasing and corporate services 12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib - - - - - - Government administration, land business and mandatory social service 13 Jasa pendidikan 76,695 61,140 3,386 - 2,436 - Educational services 14 Jasa kesehatan dan kegiatan sosial 20,787 - 1,700 - 118 - Health and social services 15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 324,194 1,894 85,605 4,225 2,499 4,811 Societal, sociocultural, entertainment and other individual services 16 Jasa perorangan yang melayani rumah tangga 4,339 - - - 8 - Individual household-related services 17 Badan internasional dan badan ekstra internasional lainnya - - - - - - International and other extrainternational agencies 18 Kegiatan yang belum jelas batasannya 1,472,127 - - - - - Non-deined activities 19 Bukan Lapangan Usaha 672,932 7,919 32,890 1,065 3,020 - Non-business 20 Lainnya 948,156 5,794 5,179 1,591 865 - Others ToTaL 20,414,362 892,386 768,222 215,096 57,658 35,560 ToTaL 482 PT Bank V ict oria Int erna tional T bk. dalam Juta Rp in million Rp 31 Desember 2014 December 31, 2014 no sektor ekonomi Tagihan Receivables Tagihan yang Mengalami Penurunan nilai impaired Receivables Cadangan kerugian penurunan nilai CKPn - individual i ndividual impairment Losses allowance iLa Cadangan kerugian penurunan nilai CKPn - Kolektif Collective impairment Losses allowance iLa Tagihan yang dihapus buku Receivables Written Of economic sector Belum Jatuh Tempo not Due Telah jatuh tempo Due 1 2 3 4 5 6 7 8 2 1 Pertanian, perburuan dan Kehutanan 306,397 - 4,007 513 - - Agriculture, hunting and forestry 2 Perikanan 187,317 - 17,654 43 - - Fishery 3 Pertambangan dan Penggalian 644,597 5,989 14,225 3,547 - - Mining and excavation 4 Industri pengolahan 1,638,379 34,103 141,872 3,610 45,517 16,686 Processing industry 5 Listrik, Gas dan Air 1,861 - - 5 - - Power, gas and water 6 Konstruksi 1,127,662 7,467 15,776 7,673 586 - Construction 7 Perdagangan besar dan eceran 1,499,732 49,528 77,260 13,850 13,161 6,658 Wholesale and retail trading 8 Penyediaan akomodasi dan penyediaan makan minum 1,032,695 13,161 44,858 7,624 26,797 - Provision of accomodation and foods beverages 9 Transportasi, pergudangan dan komunikasi 426,351 - 26,956 1,035 - 3,109 Transportation, warehousing and communications 10 Perantara keuangan 10,096,021 1,286 - 6,485 2,727 - FInancial agency 11 Real estate, usaha persewaan dan jasa perusahaan 1,670,042 17,559 29,060 25,620 21,678 426 Real estate, leasing and corporate services 12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib - - - - - - Government administration, land business and mandatory social service 13 Jasa pendidikan 137,106 - - 338 - - Educational services 14 Jasa kesehatan dan kegiatan sosial 19,367 - - 48 - - Health and social services 15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya 255,269 1,402 1,282 466 386 - Societal, sociocultural, entertainment and other individual services 16 Jasa perorangan yang melayani rumah tangga 2,196 - - 5 - - Individual household-related services 17 Badan internasional dan badan ekstra internasional lainnya - - - - - - International and other extrainternational agencies 18 Kegiatan yang belum jelas batasannya 434,759 - - - - - Non-deined activities 19 Bukan Lapangan Usaha 674,945 10,749 26,525 1,777 437 874 Non-business 20 Lainnya 695,811 6,580 - 248 537 - Others ToTaL 20,850,506 147,825 399,474 72,887 111,826 27,752 ToTaL Lapor an T ahunan 20 15 Annual R eport 483 Tabel 2.6.a. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan nilai – Bank secara individual Table 2.6.a. Detailed Changes in allowances for impairment Losses - Bank, individually dalam Juta Rp in million Rp no KeTeRanGan 31 Desember 2015 December 31, 2015 31 Desember 2014 December 31, 2014 DesCRiPTion CKPn individual individual iLa CKPn Kolektif Collective iLa CKPn individual individual iLa CKPn Kolektif Collective iLa 1 2 3 4 5 6 2 1 Saldo awal CKPN 47,416 103,298 50,387 101,166 ILA - Starting Balance 2 Pembentukan pemulihan CKPN pada periode berjalan Net 150,048 53,018 24,780 2,132 Establishment Recovery of ILA in current period Net 2.a Pembentukan CKPN pada periode berjalan 141,296 53,018 19,636 2,132 2.a. Establishment of ILA in current period 2.b Pemulihan CKPN pada periode berjalan 8,752 - 5,144 - 2.b. Recovery of ILA in current period 3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan 35,560 27,752 - ILA used for writing of receivables in current period 4 Pembentukan pemulihan lainnya pada periode berjalan - - - - Other Establishment Recovery in current period saldo akhir CKPn 161,904 50,280 47,416 103,298 iLa - ending Balance Tabel 2.6.b. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan nilai – Bank secara Konsolidasi dengan Perusahaan anak Table 2.6.b. Detailed Changes in allowances for impairment Losses - Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp no Keterangan 31 Desember 2015 December 31, 2015 31 Desember 2014 December 31, 2014 Description CKPn individual individual iLa CKPn Kolektif Collective iLa CKPn individual individual iLa CKPn Kolektif Collective iLa 1 2 3 4 5 6 2 1 Saldo awal CKPN 95,196 89,517 75,215 87,385 ILA - Starting Balance 2 Pembentukan pemulihan CKPN pada periode berjalan Net 175,795 52,193 47,733 2,132 Establishment Recovery of ILA in current period Net 2.a Pembentukan CKPN pada periode berjalan 167,043 52,442 42,589 2,132 2.a. Establishment of ILA in current period 2.b Pemulihan CKPN pada periode berjalan 8,752 249 5,144 - 2.b. Recovery of ILA in current period 3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan 35,560 - 27,752 - ILA used for writing of receivables in current period 4 Pembentukan pemulihan lainnya pada periode berjalan - - - - Other Establishment Recovery in current period saldo akhir CKPn 235,431 37,324 95,196 89,517 iLa - ending Balance 484 PT Bank V ict oria Int erna tional T bk. Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan skala Peringkat – Bank secara individual Table 3.1.a. net Receivables by Portfolio Category and Rating scale - Bank, individually dalam Juta Rp in million Rp 31 Desember 2015 December 31, 2015 no Kategori Portofolio Lembaga Pemeringkat Rating agency Tagihan Bersih net Receivables Tanpa Peringkat not Ratedw Total Total Portfolio Category Peringkat Jangka panjang Long Term Rating Peringkat Jangka Pendek short Term Rating standard and Poor’s aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ to BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- a-1 a-1 a-2 a-2 a-3 a-3 Kurang dari a-3 Lower than a-3 Fitch Rating aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ s.d BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- F1+ s.d F1 F1+ s.d F1 F2 F2 F3 F3 Kurang dari F3 Lower than F3 Moody’s aaa aaa aa1 s.d aa3 aa1 to aa3 a1 s.d a3 a1 to a3 Baa1 s.d Baa3 Baa1 s.d Baa3 Ba1 s.d Ba3 Ba1 to Ba3 B1 s.d B3 B1 to B3 Kurang dari B3 Lower than B3 P-1 P-1 P-2 P-2 P-3 P-3 Kurang dari P-3 Lower than P-3 PT. Fitch Ratings indonesia aaa idn aaa idn aa+idn

s.d aa- idn

aa+idn to aa- idn a+idn

s.d. a-idn

a+idn to a-idn BBB+idn s.d BBB- idn BBB+idn

s.d BBB- idn

BB+idn s.d BB- idn BB+idn to BB- idn B+idn s.d B-idn B+idn to B-idn Kurang dari B-idn Lower than B-idn F1+idn

s.d F1idn

F1+idn toF1idn F2idn F2idn F3idn F3idn Kurang dari F3idn Lower than F3idn PT iCRa indonesia [idr]aaa [idr]aaa [idr]aa+ s.d [idr] aa- [idr]aa+ to [idr] aa- [idr]a+ s.d [idr] a- [idr]a+ to [idr]a- [idr]BBB+ s.d [idr] BBB- [idr]BBB+ to [idr] BBB- [idr]BB+ s.d [idr] BB- [idr]BB+ to [idr] BB- [idr]B+ s.d [idr] B- [idr]B+ to [idr]B- Kurang dari [idr] B- Lower than [idr] B- [idr]a1+ s.d [idr] a1 [idr]a1+ to [idr] a1 [idr]a2+ s.d [idr] a2 [idr]a2+ to [idr] a2 [idr]a3+ s.d [idr] a3 [idr]a3+ to [idr] a3 Kurang dari [idr] a3 Lower than [idr] a3 PT Pemeringkat efek indonesia idaaa idaaa idaa+ s.d idaa- idaa+ to idaa- ida+ s.d id a- ida+ to id a- id BBB+ s.d id BBB- id BBB+ to id BBB - id BB+ s.d id BB- id BB+ to id BB- id B+ s.d id B- id B+ to id B- Kurang dari id B- Lower than id B- ida1 ida1 ida2 ida2 ida3 s.d id a4 ida3 to id a4 Kurang dari id a4 Lower than id a4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 2 1 Tagihan Kepada Pemerintah - - - - - - - - - - - 4,378,962 4,378,962 Receivables from Government 2 Tagihan Kepada Entitas Sektor Publik 27,874 - 74,897 - - - - - - - - 14,910 117,680 Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral Lembaga Internasional - - - - - - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank 12,789 126,984 152,222 1,669,458 - - - - - - - 254,231 2,215,685 Receivables from Banks 5 Kredit Beragunan Rumah Tinggal - - - - - - - - - - - 526,704 526,704 Residential Property Collateralized Loans 6 Kredit Beragunan Properti Komersial - - - - - - - - - - - 3,013,333 3,013,333 Commercial Property Collateralized Loans 7 Kredit PegawaiPensiun - - - - - - - - - - - - - EmployeeRetirement Loans 8 Tagihan kepada Usaha Mikro Usaha Kecil dan Portofolio Ritel. - - - - - - - - - - - 1,701,661 1,701,661 Receivables from Microbusiness, Small Business, and Retail Portfolio 9 Tagihan Kepada Korporasi 661,226 504,763 910,891 495,077 103,587 136 - - - - - 5,244,041 7,919,719 Receivables from Corporations 10 Tagihan yang telah jatuh tempo - - - - - - - - - - - 478,225 478,225 Due Receivables 11 Aset Lainnya - - - - - - - - - - - 886,138 886,138 Other Assets 12 Eksposure di unit kerja Syariah apabila ada - - - - - - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 701,888 631,747 1,138,010 2,164,535 103,587 136 - - - - - 16,498,204 21,238,106 ToTaL Lapor an T ahunan 20 15 Annual R eport 485 dalam Juta Rp in million Rp 31 Desember 2014 December 31, 2014 no Kategori Portofolio Lembaga Pemeringkat Rating agency Tagihan Bersih net Receivables Tanpa Peringkat not Ratedw Total Total Portfolio Category Peringkat Jangka panjang Long Term Rating Peringkat Jangka Pendek short Term Rating standard and Poor’s aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ to BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- a-1 a-1 a-2 a-2 a-3 a-3 Kurang dari a-3 Lower than a-3 Fitch Rating aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ s.d BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- F1+ s.d F1 F1+ s.d F1 F2 F2 F3 F3 Kurang dari F3 Lower than F3 Moody’s aaa aaa aa1 s.d aa3 aa1 to aa3 a1 s.d a3 a1 to a3 Baa1 s.d Baa3 Baa1 s.d Baa3 Ba1 s.d Ba3 Ba1 to Ba3 B1 s.d B3 B1 to B3 Kurang dari B3 Lower than B3 P-1 P-1 P-2 P-2 P-3 P-3 Kurang dari P-3 Lower than P-3 PT. Fitch Ratings indonesia aaa idn aaa idn aa+idn

s.d aa- idn

aa+idn to aa- idn a+idn

s.d. a-idn

a+idn to a-idn BBB+idn s.d BBB- idn BBB+idn

s.d BBB- idn

BB+idn s.d BB- idn BB+idn to BB- idn B+idn s.d B-idn B+idn to B-idn Kurang dari B-idn Lower than B-idn F1+idn

s.d F1idn

F1+idn toF1idn F2idn F2idn F3idn F3idn Kurang dari F3idn Lower than F3idn PT iCRa indonesia [idr]aaa [idr]aaa [idr]aa+ s.d [idr] aa- [idr]aa+ to [idr] aa- [idr]a+ s.d [idr] a- [idr]a+ to [idr]a- [idr]BBB+ s.d [idr] BBB- [idr]BBB+ to [idr] BBB- [idr]BB+ s.d [idr] BB- [idr]BB+ to [idr] BB- [idr]B+ s.d [idr] B- [idr]B+ to [idr]B- Kurang dari [idr] B- Lower than [idr] B- [idr]a1+ s.d [idr] a1 [idr]a1+ to [idr] a1 [idr]a2+ s.d [idr] a2 [idr]a2+ to [idr] a2 [idr]a3+ s.d [idr] a3 [idr]a3+ to [idr] a3 Kurang dari [idr] a3 Lower than [idr] a3 PT Pemeringkat efek indonesia idaaa idaaa idaa+ s.d idaa- idaa+ to idaa- ida+ s.d id a- ida+ to id a- id BBB+ s.d id BBB- id BBB+ to id BBB - id BB+ s.d id BB- id BB+ to id BB- id B+ s.d id B- id B+ to id B- Kurang dari id B- Lower than id B- ida1 ida1 ida2 ida2 ida3 s.d id a4 ida3 to id a4 Kurang dari id a4 Lower than id a4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 2 1 Tagihan Kepada Pemerintah - - - - - - - - - - - 4,107,359 4,107,359 Receivables from Government 2 Tagihan Kepada Entitas Sektor Publik 28,105 7,097 75,720 101,779 - - - - - - - 111,577 324,279 Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral Lembaga Internasional - - - - - - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank 4,035 241,470 121,965 1,687,335 - 270 - 113 - 1,186 - 18,310 2,074,684 Receivables from Banks 5 Kredit Beragunan Rumah Tinggal - - - - - - - - - - - 515,316 515,316 Residential Property Collateralized Loans 6 Kredit Beragunan Properti Komersial - - - - - - - - - - - 2,253,820 2,253,820 Commercial Property Collateralized Loans 7 Kredit PegawaiPensiun - - - - - - - - - - - - - EmployeeRetirement Loans 8 Tagihan kepada Usaha Mikro Usaha Kecil dan Portofolio Ritel. - - - - - - - - - - - 1,677,187 1,677,187 Receivables from Microbusiness, Small Business, and Retail Portfolio 9 Tagihan Kepada Korporasi 35,429 114,727 328,150 309,978 - - - - - - - 7,598,502 8,386,786 Receivables from Corporations 10 Tagihan yang telah jatuh tempo - - - - - - - - - - - 296,175 296,175 Due Receivables 11 Aset Lainnya - - - - - - - - - - - 347,230 347,230 Other Assets 12 Eksposure di unit kerja Syariah apabila ada - - - - - - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 67,569 363,295 525,834 2,099,092 - 270 - 113 - 1,186 - 16,925,478 19,982,836 ToTaL 486 PT Bank V ict oria Int erna tional T bk. Tabel 3.1.b. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan skala Peringkat – Bank secara Konsolidasi dengan Perusahaan anak Table 3.1.b. net Receivables by Portfolio Category and Rating scale - Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp 31 Desember 2015 December 31, 2015 no Kategori Portofolio Lembaga Pemeringkat Rating agency Tagihan Bersih net Receivables Tanpa Peringkat not Rated Total Total Portfolio Category Peringkat Jangka panjang Long Term Rating Peringkat Jangka Pendek short Term Rating standard and Poor’s aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ to BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- a-1 a-1 a-2 a-2 a-3 a-3 Kurang dari a-3 Lower than a-3 Fitch Rating aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ s.d BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- F1+ s.d F1 F1+ s.d F1 F2 F2 F3 F3 Kurang dari F3 Lower than F3 Moody’s aaa aaa aa1 s.d aa3 aa1 to aa3 a1 s.d a3 a1 to a3 Baa1 s.d Baa3 Baa1 s.d Baa3 Ba1 s.d Ba3 Ba1 to Ba3 B1 s.d B3 B1 to B3 Kurang dari B3 Lower than B3 P-1 P-1 P-2 P-2 P-3 P-3 Kurang dari P-3 Lower than P-3 PT. Fitch Ratings indonesia aaa idn aaa idn aa+idn

s.d aa- idn

aa+idn to aa- idn a+idn

s.d. a-idn

a+idn to a-idn BBB+idn s.d BBB- idn BBB+idn

s.d BBB- idn

BB+idn s.d BB- idn BB+idn to BB- idn B+idn s.d B-idn B+idn to B-idn Kurang dari B-idn Lower than B-idn F1+idn

s.d F1idn

F1+idn toF1idn F2idn F2idn F3idn F3idn Kurang dari F3idn Lower than F3idn PT iCRa indonesia [idr]aaa [idr]aaa [idr]aa+ s.d [idr] aa- [idr]aa+ to [idr] aa- [idr]a+ s.d [idr] a- [idr]a+ to [idr]a- [idr]BBB+ s.d [idr] BBB- [idr]BBB+ to [idr] BBB- [idr]BB+ s.d [idr] BB- [idr]BB+ to [idr] BB- [idr]B+ s.d [idr]B- [idr]B+ to [idr]B- Kurang dari [idr] B- Lower than [idr] B- [idr]a1+ s.d [idr] a1 [idr]a1+ to [idr] a1 [idr]a2+ s.d [idr] a2 [idr]a2+ to [idr] a2 [idr]a3+ s.d [idr] a3 [idr]a3+ to [idr] a3 Kurang dari [idr] a3 Lower than [idr] a3 PT Pemeringkat efek indonesia idaaa idaaa idaa+ s.d idaa- idaa+ to idaa- ida+ s.d id a- ida+ to id a- id BBB+

s.d id BBB-

id BBB+ to id BBB- id BB+ s.d id BB- id BB+ to id BB- id B+ s.d id B- id B+ to id B- Kurang dari id B- Lower than id B- ida1 ida1 ida2 ida2 ida3 s.d id a4 ida3 s.d id a4 Kurang dari id a4 Lower than id a4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 2 1 Tagihan Kepada Pemerintah - - - - - - - - - - - 4,629,772 4,629,772 Receivables from Government 2 Tagihan Kepada Entitas Sektor Publik 27,874 - 74,897 - - - - - - - - 14,910 117,680 Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral Lembaga Internasional - - - - - - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank 12,789 126,984 152,222 1,669,458 - - - - - - - 250,379 2,211,833 Receivables from Banks 5 Kredit Beragunan Rumah Tinggal - - - - - - - - - - - 755,456 755,456 Residential Property Collateralized Loans 6 Kredit Beragunan Properti Komersial - - - - - - - - - - - 3,013,333 3,013,333 Commercial Property Collateralized Loans 7 Kredit PegawaiPensiun - - - - - - - - - - - - - EmployeeRetirement Loans 8 Tagihan kepada Usaha Mikro Usaha Kecil dan Portofolio Ritel. - - - - - - - - - - - 1,719,962 1,719,962 Receivables from Microbusiness, Small Business, and Retail Portfolio 9 Tagihan Kepada Korporasi 716,054 504,763 910,891 495,077 103,587 136 - - - - - 5,834,898 8,565,405 Receivables from Corporations 10 Tagihan yang telah jatuh tempo - - - - - - - - - - - 656,005 656,005 Due Receivables 11 Aset Lainnya - - - - - - - - - - - 925,480 925,480 Other Assets 12 Eksposure di unit kerja Syariah apabila ada - - - - - - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 756,717 631,747 1,138,010 2,164,535 103,587 136 - - - - - 17,800,195 22,594,927 ToTaL Lapor an T ahunan 20 15 Annual R eport 4 87 dalam Juta Rp in million Rp 31 Desember 2014 December 31, 2014 no Kategori Portofolio Lembaga Pemeringkat Rating agency Tagihan Bersih net Receivables Portfolio Category Peringkat Jangka panjang Long Term Rating Peringkat Jangka Pendek short Term Rating standard and Poor’s aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ to BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- a-1 a-1 a-2 a-2 a-3 a-3 Kurang dari a-3 Lower than a-3 Fitch Rating aaa aaa aa+ s.d aa- aa+ to aa- a+ s.d a- a+ to a- BBB+ s.d BBB- BBB+ s.d BBB- BB+ s.d BB- BB+ to BB- B+ s.d B- B+ to B- Kurang dari B- Lower than B- F1+ s.d F1 F1+ s.d F1 F2 F2 F3 F3 Kurang dari F3 Lower than F3 Moody’s aaa aaa aa1 s.d aa3 aa1 to aa3 a1 s.d a3 a1 to a3 Baa1 s.d Baa3 Baa1 s.d Baa3 Ba1 s.d Ba3 Ba1 to Ba3 B1 s.d B3 B1 to B3 Kurang dari B3 Lower than B3 P-1 P-1 P-2 P-2 P-3 P-3 Kurang dari P-3 Lower than P-3 PT. Fitch Ratings indonesia aaa idn aaa idn aa+idn

s.d aa- idn

aa+idn to aa- idn a+idn

s.d. a-idn

a+idn to a-idn BBB+idn s.d BBB- idn BBB+idn

s.d BBB- idn

BB+idn s.d BB- idn BB+idn to BB- idn B+idn s.d B-idn B+idn to B-idn Kurang dari B-idn Lower than B-idn F1+idn s.d F1idn F1+idn toF1idn F2idn F2idn F3idn F3idn Kurang dari F3idn Lower than F3idn PT iCRa indonesia [idr]aaa [idr]aaa [idr]aa+ s.d [idr] aa- [idr]aa+ to [idr] aa- [idr]a+ s.d [idr]a- [idr]a+ to [idr]a- [idr]BBB+ s.d [idr] BBB- [idr]BBB+ to [idr] BBB- [idr]BB+ s.d [idr] BB- [idr]BB+ to [idr] BB- [idr]B+ s.d [idr]B- [idr]B+ to [idr]B- Kurang dari [idr] B- Lower than [idr] B- [idr]a1+ s.d [idr] a1 [idr]a1+ to [idr] a1 [idr]a2+ s.d [idr] a2 [idr]a2+ to [idr] a2 [idr]a3+ s.d [idr] a3 [idr]a3+ to [idr] a3 Kurang dari [idr]a3 Lower than [idr] a3 PT Pemeringkat efek indonesia idaaa idaaa idaa+ s.d idaa- idaa+ to idaa- ida+ s.d id a- ida+ to id a- id BBB+

s.d id BBB-

id BBB+ to id BBB- id BB+ s.d id BB- id BB+ to id BB- id B+ s.d id B- id B+ to id B- Kurang dari id B- Lower than id B- ida1 ida1 ida2 ida2 ida3 s.d id a4 ida3 s.d id a4 Kurang dari id a4 Lower than id a4 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 2 1 Tagihan Kepada Pemerintah - - - - - - - - - - - 4,389,805 4,389,805 Receivables from Government 2 Tagihan Kepada Entitas Sektor Publik 28,105 7,097 75,720 101,779 - - - - - - - 111,577 324,279 Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral Lembaga Internasional - - - - - - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank 4,035 241,470 121,965 1,730,607 - 270 - 113 - 1,186 - 18,310 2,117,956 Receivables from Banks 5 Kredit Beragunan Rumah Tinggal - - - - - - - - - - - 834,394 834,394 Residential Property Collateralized Loans 6 Kredit Beragunan Properti Komersial - - - - - - - - - - - 2,263,638 2,263,638 Commercial Property Collateralized Loans 7 Kredit PegawaiPensiun - - - - - - - - - - - - - EmployeeRetirement Loans 8 Tagihan kepada Usaha Mikro Usaha Kecil dan Portofolio Ritel. - - - - - - - - - - - 1,709,681 1,709,681 Receivables from Microbusiness, Small Business, and Retail Portfolio 9 Tagihan Kepada Korporasi 56,366 137,823 328,150 266,706 - - - - - - - 8,133,515 8,922,560 Receivables from Corporations 10 Tagihan yang telah jatuh tempo - - - - - - - - - - - 410,763 410,763 Due Receivables 11 Aset Lainnya - - - - - - - - - - - 350,951 350,951 Other Assets 12 Eksposure di unit kerja Syariah apabila ada - - - - - - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 88,506 386,391 525,834 2,099,092 - 270 - 113 - 1,186 - 18,222,636 21,324,028 ToTaL 488 PT Bank V ict oria Int erna tional T bk. Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara individual Table 3.2.c.1. Counterparty Credit Risks: Reverse Repo Transactions – Bank, individually dalam Juta Rp in million Rp no Kategori Portofolio 31 Desember 2015 December 31, 2015 31 Desember 2014 December 31, 2014 Portfolio Category Tagihan Bersih net Receivables nilai MRK MRK value aTMR sebelum MRK Pre-MRK RWa aTMR setelah MRK Past-MRK RWa Tagihan Bersih net Receivables nilai MRK MRK value aTMR sebelum MRK Pre-MRK RWa aTMR setelah MRK Past-MRK RWa 1 2 3 4 5 6 7 8 9 10 2 1 Tagihan Kepada Pemerintah 169,535 - - - - - - - Receivables from Government 2 Tagihan Kepada Entitas Sektor Publik - - - - - - - - Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank - - - - - - - - Receivables from Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel - - - - - - - - Receivables from Microbusiness, Small Business, and Retail Portfolio 6 Tagihan kepada Korporasi 45,000 - 45,000 9,000 - - - - Receivables from Corporations 7 Eksposur di Unit Usaha Syariah apabila ada - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 214,535 - 45,000 9,000 - - - - ToTaL Lapor an T ahunan 20 15 Annual R eport 4 89 Tabel 3.2.c.2. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Konsolidasi dengan Perusahaan anak Table 3.2.c.2. Counterparty Credit Risks: Reverse Repo Transactions – Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp no Kategori Portofolio 31 Desember 2015 December 31, 2015 31 Desember 2014 December 31, 2014 Portfolio Category Tagihan Bersih net Receivables nilai MRK MRK value aTMR sebelum MRK Pre-MRK RWa aTMR setelah MRK Past-MRK RWa Tagihan Bersih net Receivables nilai MRK MRK value aTMR sebelum MRK Pre-MRK RWa aTMR setelah MRK Past-MRK RWa 1 2 3 4 5 6 7 8 9 10 2 1 Tagihan Kepada Pemerintah 169,535 - - - - - - - Receivables from Government 2 Tagihan Kepada Entitas Sektor Publik - - - - - - - - Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank - - - - - - - - Receivables from Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel - - - - - - - - Receivables from Microbusiness, Small Business, and Retail Portfolio 6 Tagihan kepada Korporasi 45,000 - 45,000 9,000 - - - - Receivables from Corporations 7 Eksposur di Unit Usaha Syariah apabila ada - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 214,535 - 45,000 9,000 - - - - ToTaL 49 PT Bank V ict oria Int erna tional T bk. Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko setelah Memperhitungkan Dampak Mitigasi Risiko Kredit – Bank secara individual Table 4.1.a. net Receivables by Risk Weight after Considering Credit Risk Mitigation impacts – Bank, individually dalam Juta Rp in million Rp no Kategori Portofolio Portfolio Category 31 Desember 2015 December 31, 2015 aTMR RWa Beban Modal Capital Expenses 31 Desember 2014 December 31, 2014 aTMR RWa Beban Modal Capital Expenses Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact 20 35 40 45 50 75 100 150 Lainnya other 20 35 40 45 50 75 100 150 Lainnya other 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 A Eksposur Neraca Balance Sheet Exposure 1 Tagihan Kepada Pemerintah Receivables from Government - - - - - - - - - - - - - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities - 5,575 - - - 44,903 - - - - 50,478 4,038 - 7,041 - - - 144,538 - - - - 151,579 12,126 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - - - - - - - - - - - - - - 4 Tagihan Kepada Bank Receivables from Banks - 409,630 - - - 81,528 - - - - 491,157 39,293 - 395,741 - - - 66,321 - - - - 462,062 36,965 5 Kredit Beragun Rumah Tinggal Residential Property Collateralized Loans - - 155,133 33,002 - - - - - - 188,136 15,051 - - 150,884 33,096 - - - - - - 183,980 14,718 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loans - - - - - - - 2,582,500 - - 2,582,500 206,600 - - - - - - - 1,658,658 - - 1,658,658 132,693 7 Kredit PegawaiPensiunan EmployeeRetirement Loans - - - - - - - - - - - - - - - - - - - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, Small Business, and Retail Portfolio - - - - - - 798,816 - - - 798,816 63,905 - - - - - - 1,065,740 - - - 1,065,740 85,259 9 Tagihan kepada Korporasi Receivables from Corporations - 202,198 - - - 397,695 - 4,769,615 204 - 5,369,711 429,577 - 30,031 - - - 164,075 - 7,086,230 - - 7,280,336 582,427 10 Tagihan yang Telah Jatuh Tempo Due Receivables - - - - - - - 256,046 333,268 - 589,314 47,145 - - - - - - - 157,291 208,327 - 365,618 29,249 11 Aset Lainnya Other Assets - - - - - - - 918,036 918,036 73,443 - - - - - - - - - 293,017 293,017 23,441 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Sharia Business Unit if any - - - - - - - - - - - - - - - - - - - - - - - - ToTaL eKsPosUR neRaCa ToTaL BaLanCe sHeeT eXPosURe - 617,402 155,133 33,002 - 524,126 798,816 7,608,161 333,471 918,036 10,988,149 879,052 - 432,813 150,884 33,096 - 374,934 1,065,740 8,902,179 208,327 293,017 11,460,991 916,879 Lapor an T ahunan 20 15 Annual R eport 49 1 dalam Juta Rp in million Rp no Kategori Portofolio Portfolio Category 31 Desember 2015 December 31, 2015 aTMR RWa Beban Modal Capital Expenses 31 Desember 2014 December 31, 2014 aTMR RWa Beban Modal Capital Expenses Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact 20 35 40 45 50 75 100 150 Lainnya other 20 35 40 45 50 75 100 150 Lainnya other 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 B Eksposur Kewajiban KomitmenKontinjensi padaTransaksi Rekening Administratif Commitment Liability Exposure Contingencies on Administrative Account Transactions 1 Tagihan Kepada Pemerintah Receivables from Government - - - - - - - - - - - - - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities - - - - - - - - - - - - - - - - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - - - - - - - - - - - - - - 4 Tagihan Kepada Bank Receivables from Banks - - - - - 393 - - - - 393 31 - - - - - 56 - - - - 56 5 5 Kredit Beragun Rumah Tinggal Residential Property Collateralized Loans - - - - - - - - - - - - - - - - - - - - - - - - 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loans - - - - - - - 91,572 - - 91,572 7,326 - - - - - - - 84,091 - - 84,091 6,727 7 Kredit PegawaiPensiunan EmployeeRetirement Loans - - - - - - - - - - - - - - - - - - - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, Small Business, and Retail Portfolio - - - - - - 54,975 - - - 54,975 4,398 - - - - - - 39,706 - - - 39,706 3,176 9 Tagihan kepada Korporasi Receivables from Corporations - - - - - - - 603,079 - - 603,079 48,246 - - - - - - - 330,703 - - 330,703 26,456 10 Tagihan yang Telah Jatuh Tempo Due Receivables - - - - - - - - - - - - - - - - - - - - - - - - 11 Eksposur di Unit Usaha Syariah apabila ada Exposure in Sharia Business Unit if any - - - - - - - - - - - - - - - - - - - - - - - - Total eksposur TRa Total administrative account Transactions - - - - - 393 54,975 694,651 - - 750,019 60,002 - - - - - - - - - - 454,556 36,364 492 PT Bank V ict oria Int erna tional T bk. no Kategori Portofolio Portfolio Category 31 Desember 2015 December 31, 2015 aTMR RWa Beban Modal Capital Expenses 31 Desember 2014 December 31, 2014 aTMR RWa Beban Modal Capital Expenses Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact 20 35 40 45 50 75 100 150 Lainnya other 20 35 40 45 50 75 100 150 Lainnya other 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 C Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit Risk Counterparty Credit Risk Exposure 1 Tagihan Kepada Pemerintah Receivables from Government - - - - - - - - - - - - - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities - - - - - - - - - - - - - - - - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - - - - - - - - - - - - - - 4 Tagihan Kepada Bank Receivables from Banks - - - - - - - - - - - - - - - - - - - - - - - - 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, Small Business, and Retail Portfolio - - - - - - - - - - - - - - - - - - - - - - - - 6 Tagihan kepada Korporasi Receivables from Corporations - 9,000 - - - - - - - - 9,000 720 - - - - - - - - - - - - 7 Eksposur di Unit Usaha Syariah apabila ada Exposure in Sharia Business Unit if any - - - - - - - - - - - - - - - - - - - - - - - - ToTaL eKsPosUR CoUnTeRPaRTY CReDiT RisK ToTaL CoUnTeRPaRTY CReDiT RisK eXPosURe - 9,000 - - - - - - - - 9,000 720 - - - - - - - - - - - - Lapor an T ahunan 20 15 Annual R eport 493 Tabel 4.1.b. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko setelah Memperhitungkan Dampak Mitigasi Risiko Kredit – Bank secara Konsolidasi dengan Perusahaan anak Table 4.1.b. net Receivables by Risk Weight after Considering Credit Risk Mitigation impacts – Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp no Kategori Portofolio Portfolio Category 31 Desember 2015 December 31, 2015 aTMR RWa Beban Modal Capital Expenses 31 Desember 2014 December 31, 2014 aTMR RWa Beban Modal Capital Expenses Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact 20 35 40 45 50 75 100 150 Lainnya other 20 35 40 45 50 75 100 150 Lainnya other 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 A Eksposur Neraca Balance Sheet Exposure 1 Tagihan Kepada Pemerintah Receivables from Government - - - - - - - - - - - - - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities - 5,575 - - - 44,903 - - - - 50,478 4,038 - 7,041 - - - 144,538 - - - - 151,579 12,126 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - - - - - - - - - - - - - - 4 Tagihan Kepada Bank Receivables from Banks - 408,713 - - - 81,600 - - - - 490,313 39,225 - 397,098 - - - 66,342 - - - - 463,440 37,075 5 Kredit Beragun Rumah Tinggal Residential Property Collateralized Loans - - 175,527 86,269 16,793 - - - - - 278,589 22,287 - - 191,751 99,800 16,000 - - - - - 307,551 24,604 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loans - - - - - - - 2,582,500 - - 2,582,500 206,600 - - - - - - - 1,668,476 - - 1,668,476 133,478 7 Kredit Pegawai Pensiunan EmployeeRetirement Loans - - - - - - - - - - - - - - - - - - - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, Small Business, and Retail Portfolio - - - - - - 812,541 - - - 812,541 65,003 - - - - - - 1,090,110 - - - 1,090,110 87,209 9 Tagihan kepada Korporasi Receivables from Corporations - 213,163 - - - 397,695 - 5,357,940 204 - 5,969,002 477,520 - 38,790 - - - 164,075 - 7,664,753 - - 7,867,618 629,409 10 Tagihan yang Telah Jatuh Tempo Due Receivables - - - - - - - 405,160 376,237 - 781,397 62,512 - - - - - - - 228,579 273,277 - 501,856 40,148 11 Aset Lainnya Other Assets - - - - - - - - - 954,058 954,058 76,325 - - - - - - - - - 293,017 293,017 23,441 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Sharia Business Unit if any - - - - - - - - - - - - - - - - - - - - - - - - ToTaL eKsPosUR neRaCa ToTaL BaLanCe sHeeT eXPosURe - 627,451 175,527 86,269 16,793 524,199 812,541 8,345,601 376,440 954,058 11,918,879 953,510 - 442,928 191,751 99,800 16,000 374,955 1,090,110 9,561,808 273,277 293,017 12,343,647 987,492 49 4 PT Bank V ict oria Int erna tional T bk. dalam Juta Rp in million Rp no Kategori Portofolio Portfolio Category 31 Desember 2015 December 31, 2015 aTMR RWa Beban Modal Capital Expenses 31 Desember 2014 December 31, 2014 aTMR RWa Beban Modal Capital Expenses Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact 20 35 40 45 50 75 100 150 Lainnya other 20 35 40 45 50 75 100 150 Lainnya other 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 B Eksposur Kewajiban Komitmen Kontinjensi pada Transaksi Rekening Administratif Commitment Liability Exposure Contingencies on Administrative Account Transactions 1 Tagihan Kepada Pemerintah Receivables from Government - - - - - - - - - - - - - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities - - - - - - - - - - - - - - - - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - - - - - - - - - - - - - - 4 Tagihan Kepada Bank Receivables from Banks - 136 - - - 393 - - - - 529 42 - - - - - 56 - - - - 56 5 5 Kredit Beragun Rumah Tinggal Residential Property Collateralized Loans - - - - - - - - - - - - - - - - - - - - - - - - 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loans - - - - - - - 91,572 - - 91,572 7,326 - - - - - - - 84,091 - - 84,091 6,727 7 Kredit PegawaiPensiunan EmployeeRetirement Loans - - - - - - - - - - - - - - - - - - - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, Small Business, and Retail Portfolio - - - - - - 54,975 - - - 54,975 4,398 - - - - - - 39,706 - - - 39,706 3,176 9 Tagihan kepada Korporasi Receivables from Corporations - - - - - - - 605,611 - - 605,611 48,449 - - - - - - - 333,235 - - 333,235 26,659 10 Tagihan yang Telah Jatuh Tempo Due Receivables - - - - - - - 20 - - 20 2 - - - - - - - - - - - - 11 Eksposur di Unit Usaha Syariah apabila ada Exposure in Sharia Business Unit if any - - - - - - - - - - - - - - - - - - - - - - - - ToTaL eKsPosUR TRa ToTaL aDMinisTRaTive aCCoUnT TRansaCTions - 136 - - - 393 54,975 697,203 - - 752,707 60,217 - - - - - 56 39,706 417,326 - - 457,088 36,567 Lapor an T ahunan 20 15 Annual R eport 49 5 dalam Juta Rp in million Rp no KaTeGoRi PoRToFoLio PoRTFoLio CaTeGoRY 31 Desember 2015 December 31, 2015 aTMR RWa Beban Modal Capital Expenses 31 Desember 2014 December 31, 2014 aTMR RWa Beban Modal Capital Expenses Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact Tagihan Bersih setelah Memperhitungkan Dampak Mitigasi Risiko Kredit net Receivables accounting Credit Risk Mitigation impact 20 35 40 45 50 75 100 150 Lainnya other 20 35 40 45 50 75 100 150 Lainnya other 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 C Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit Risk Counterparty Credit Risk Exposure 1 Tagihan Kepada Pemerintah Receivables from Government - - - - - - - - - - - - - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivables from Public Sector Entities - - - - - - - - - - - - - - - - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables from Multilateral Development Banks and International Institutions - - - - - - - - - - - - - - - - - - - - - - - - 4 Tagihan Kepada Bank Receivables from Banks - - - - - - - - - - - - - - - - - - - - - - - - 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, Small Business, and Retail Portfolio - - - - - - - - - - - - - - - - - - - - - - - - 6 Tagihan kepada Korporasi Receivables from Corporations - 9,000 - - - - - - - - 9,000 720 - - - - - - - - - - - - 7 Eksposur di Unit Usaha Syariah apabila ada Exposure in Sharia Business Unit if any - - - - - - - - - - - - - - - - - - - - - - - - ToTaL eKsPosUR CoUnTeRPaRTY CReDiT RisK ToTaL CoUnTeRPaRTY CReDiT RisK eXPosURe - 9,000 - - - - - - - - 9,000 720 - - - - - - - - - - - -