By type continued Efek Beragun Aset

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 – 555– Schedule 10. KREDIT YANG DIBERIKAN DAN PEMBIAYAAN PIUTANG SYARIAH lanjutan 10. LOANS AND SHARIA FINANCING RECEIVABLES continued a. Berdasarkan pihak dan tipe a. By counterparties and type 2014 2013 Pihak Ketiga Third Parties Pinjaman tetap 7,800,600,925 6,367,390,534 Fixed loans Pinjaman tetap dengan Fixed loans angsuran 1,713,451,457 2,128,915,649 with installments Pinjaman rekening koran 1,127,258,408 1,209,990,709 Overdraft loans Syariah 1,071,621,276 859,944,508 Sharia Pinjaman konsumen 532,429,363 451,690,659 Consumer loans Pinjaman serba guna 157,236,224 184,621,636 Other loans Pinjaman tanpa agunan 1,072,943 1,314,364 Unsecured loans 12,403,670,596 11,203,868,059 Pihak Berelasi Related Parties Pinjaman rekening koran 12,602,870 2,722,985 Overdraft loans Pinjaman konsumen 9,951,528 13,513,609 Consumer loans Pinjaman tetap dengan angsuran 157,983 212,576 Fixed loans with installments Pinjaman serba guna 204,371 81,421 Other loans Syariah 3,802,668 - Sharia 26,719,420 16,530,591 12,430,390,016 11,220,398,650 Dikurangi: cadangan kerugian Less: allowance for impairment penurunan nilai 184,713,348 162,600,525 of loan losses 12,245,676,668 11,057,798,125 b. Berdasarkan sektor ekonomi b. By economic sector 2014 2013 Pihak Ketiga Third Parties Lembaga Pembiayaan 2,558,779,052 2,262,061,091 Financing Perdagangan, restoran dan hotel 2,340,351,552 2,230,081,825 Trading, restaurant, and hotel Industri 1,583,972,413 1,612,787,486 Industry Real estate 1,174,733,634 852,187,204 Real Estate Konstruksi 1,010,864,455 651,421,488 Construction Syariah 1,071,621,276 859,944,508 Sharia Jasa-jasa sosialmasyarakat 343,638,529 136,899,968 Social Community Service Lain-lain 2,319,709,685 2,598,484,489 Others 12,403,670,596 11,203,868,059 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 – 556– Schedule 10. KREDIT YANG DIBERIKAN DAN PEMBIAYAAN PIUTANG SYARIAH lanjutan 10. LOANS AND SHARIA FINANCING RECEIVABLES continued b. Berdasarkan sektor ekonomi lanjutan b. By economic sector continued 2014 2013 Pihak Berelasi Related Parties Lembaga pembiayaan 12,406,377 2,526,944 Financing Perdagangan, restoran dan hotel 354,476 408,617 Trading, restaurant, and hotel Lain-lain 13,958,567 13,595,030 Others 26,719,420 16,530,591 12,430,390,016 11,220,398,650 Dikurangi: Cadangan kerugian Less:Allowance for impairment penurunan nilai 184,713,348 162,600,525 losses 12,245,676,668 11,057,798,125 Pada tanggal 31 Desember 2014 dan 2013, rasio kredit kepada Usaha Mikro Kecil terhadap kredit yang diberikan sesuai dengan Surat Edaran Bank Indonesia No. 1330DPNP tanggal 16 Desember 2011 masing-masing sebesar 10.23 dan 1.15. As of 31 December 2014 and 2013, the ratio of micro business loans to the total loans inaccordance with Bank Indonesia Circular Letter No. 1330DPNP dated 16 December 2011 was 10.23 and 1.15, respectively.

c. Berdasarkan jangka

waktu periode perjanjian kredit c. By period of the loan agreement 2014 2013 Kurang dari 1 tahun 5,628,207,187 1,461,602,975 Less than 1 year 1 sampai dengan 2 tahun 652,739,329 2,334,183,905 1 up to 2 years 2 sampai dengan 5 tahun 2,000,228,183 3,341,424,498 2 up to 5 years Lebih dari 5 tahun 4,149,215,317 4,083,187,272 More than 5 years 12,430,390,016 11,220,398,650 Dikurangi: Cadangan kerugian Less:Allowance for penurunan nilai 184,713,348 162,600,525 impairment losses 12,245,676,668 11,057,798,125 d. Berdasarkan sisa umur jatuh tempo d. By remaining period to maturity 2014 2013 Kurang dari 1 tahun 5,950,428,642 4,874,683,534 Less than 1 year 1 sampai dengan 2 tahun 1,393,630,594 694,232,852 1 up to 2 years 2 sampai dengan 5 tahun 2,866,581,539 3,528,454,011 2 up to 5 years Lebih dari 5 tahun 2,219,749,241 2,123,028,253 More than 5 years 12,430,390,016 11,220,398,650 Dikurangi: Cadangan kerugian Less:Allowance for penurunan nilai 184,713,348 162 ,600,525 impairment losses 12,245,676,668 11,057,798,125