sales strategy Development of Third Party Funds Collection

Financial Performance Review Tinjauan Kinerja Keuangan Tinjauan keuangan yang diuraikan berikut mengacu kepada Laporan Keuangan Konsolidasian untuk tahun yang berakhir tanggal 31 Desember 2015 dan 2014 yang disajikan dalam Laporan Tahunan ini. Laporan Keuangan telah diaudit oleh Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis Rekan independent member irm of Pricewaterhouse Cooper dan mendapat opini wajar, dalam semua hal yang material, posisi keuangan PT Bank Victoria International Tbk. dan Entitas Anak pada tanggal 31 Desember 2015 dan 2014, serta kinerja keuangan dan arus kas konsolidasian untuk tahun yang berakhir pada tanggal-tanggal tersebut sesuai dengan Standar Akuntansi Keuangan di Indonesia. LaPoRan Posisi KeUanGan KonsoLiDasian Tabel Laporan Posisi Keuangan Konsolidasian Table of Consolidated statements of Financial Positions dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 aseT asseTs Aset Keuangan 22,404,912 21,046,386 1,358,526 6.45 Financial Assets Aset Non Keuangan 845,773 318,496 527,277 165.55 Non-Financial Assets ToTaL aseT 23,250,686 21,364,882 1,885,803

8.83 ToTaL asseTs

LiaBiLiTas LiaBiLiTies Liabilitas Keuangan 19,908,027 18,351,285 1,556,742 8.48 Financial Liabilities Liabilitas Non Keuangan 123,563 83,338 40,225 48.27 Non-Financial Liabilities ToTaL LiaBiLiTas 20,031,590 18,434,623 1,596,967

8.66 ToTaL LiaBiLiTies

Dana SYIRKAH TeMPoReR 1,105,406 1,170,430 65,025

5.56 TeMPoRaRY sYiRKaH FUnD

ToTaL eKUiTas 2,113,690 1,759,829 353,861

20.11 ToTaL eQUiTY

ToTaL LiaBiLiTas, Dana SYIRKAH TeMPoReR, Dan eKUiTas 23,250,686 21,364,882 1,885,803 8.83 ToTaL LiaBiLiTies, TeMPoRaRY sYiRKaH FUnD, anD eQUiTY The following inancial performance review refers to the Consolidated Financial Statements for the years ended 31 December 2015 and 2014 as presented in this Annual Report. These inancial statements have been audited by the Public Accounting Firm of Tanudiredja, Wibisana, Rintis Rekan independent member irm of PricewaterhouseCoopers and received the opinion that they have presented fairly, in all material aspects, the inancial position of PT Bank Victoria International Tbk and its Subsidiaries as at 31 December 2015 and 2014, as well as the inancial performance and consolidated inancial statements for the years thus ended, in accordance with the prevailing Financial Accounting Standards in Indonesia. ConsoLiDaTeD sTaTeMenTs oF FinanCiaL PosiTions asseTs In 2015, the total assets of the Bank reached Rp23,250.69 billion, an increase of Rp1,885.80 billion or 8.83 from 2014 igure of Rp21,364.88 billion. The increase was derived from the increase in inancial assets and non-inancial assets respectively by 6.45 and 165.55. FinanCiaL asseTs The Bank’s inancial assets reached Rp22,404.91 billion in 2015. This was a growth of Rp1,358.53 billion or 6.45 from 2014 igure of Rp21,046.39 billion. The increase in inancial assets was especially derived from the increase in marketable securities – net as well as loans, sharia inancing 23,250,686 20,031,590 1,105,406 2,113,690 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000 - TOTAL ASET TOTAL ASSETS TOTAL LIABILITAS TOTAL LIABILITIES DANA SyIRKAh TEMPORER TEMPORARy SyIRKAh FUND TOTAL EKUITAS TOTAL EQUITy Posisi Keuangan Konsolidasian Consolidated Financial Positions dalam juta Rp in Rp million 2014 2015 21,364,882 18,434,623 1,170,430 1,759,829 aseT Pada tahun 2015, total aset Bank mencapai Rp23.250,69 miliar. Pencapaian tersebut meningkat Rp1.885,80 miliar atau sebesar 8,83 dari tahun 2014 yang mencapai Rp21.364,88 miliar. Peningkatan tersebut berasal dari peningkatan aset keuangan dan aset non keuangan masing- masing sebesar 6,45 dan 165,55. aseT KeUanGan Tabel aset Keuangan Table of Financial assets dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Kas 68,339 58,857 9,482 16.11 Cash Giro pada Bank Indonesia 1,425,748 1,524,951 99,203 6.51 Current Accounts with Bank Indonesia Giro pada Bank Lain – neto 8,852 12,317 3,465 28.13 Current Accounts with Other Banks – net Penempatan pada Bank Indonesia dan Bank Lain – neto 1,837,189 2,310,712 473,523 20.49 Placements with Bank Indonesia and Other Banks Efek-efek – neto 5,836,746 4,758,264 1,078,482 22.67 Marketable Securities – net Efek-efek yang Dibeli Dengan Janji Dijual Kembali 214,535 - 214,535 100.00 Securities Purchased under Resale Agreements Pendapatan Bunga yang Masih Akan Diterima 188,759 135,609 53,150 39.19 Interest Receivables Pinjaman yang Diberikan, Pembiayaan dan Piutang Syariah - neto 12,824,744 12,245,677 579,067 4.73 Loans, Sharia Financing and Receivables – net ToTaL 22,404,912 21,046,386 1,358,526

6.45 ToTaL

Aset keuangan Bank mencapai Rp22.404,91 miliar di 2015. Pencapaian tersebut mengalami peningkatan Rp1.358,53 miliar atau sebesar 6,45 dari 2014 yang mencapai Rp21.046,39 miliar. Peningkatan aset keuangan khususnya berasal dari peningkatan efek-efek - neto serta pinjaman