CADANGAN UMUM GENERAL RESERVES

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 – 588 – Schedule 42. INFORMASI MENGENAI PIHAK-PIHAK BERELASI lanjutan 42. INFORMATION OF RELATED PARTIES continued Transaksi dengan Pihak-pihak Berelasi lanjutan Transactions with Related Parties continued 2016 2015 Dana Syirkah Temporer Temporary Syirkah Funds Catatan 26 Note 26 Deposito mudharabah 28,185,000 950,000 Mudharabah deposit Tabungan mudharabah 589,586 765,276 Mudharabah saving deposit Jumlah 28,774,586 1,715,276 Total Persentase terhadap jumlah Percentage from total dana syirkah temporer 2.40 0.16 temporary syirkah funds Pendapatan bunga Catatan 32 2,585,637 932,134 Interest income Note 32 Persentase terhadap jumlah Percentage from pendapatan bunga 0.12 0.05 total interest income Beban bunga Catatan 33 6,294,526 6,499,899 Interest expenses Note 33 Persentase terhadap jumlah Percentage from beban bunga 0.34 0.39 total interest expenses Beban tenaga kerja Catatan 37 Personnel expenses Note 37 Salaries and allowances of Gaji dan tunjangan Dewan the Boards of Komisaris, Direksi dan Commissioners, Directors pejabat eksekutif 43,830,291 47,149,292 and executive officers Persentase terhadap jumlah Percentage from beban tenaga kerja 24.82 28.39 total personnel expenses Liabilitas komitmen dan Liabilities commitments and kontinjensi contingencies Komitmen dan kontinjensi Commitments and Catatan 43 contingencies Note 43 Fasilitas pinjaman yang belum digunakan 20,008,070 20,000,000 Unused loans facilities Penerbitan jaminan dalam bentuk garansi 685,089 157,500 Issued bank guarantees Jumlah 20,693,159 20,157,500 Total Persentase terhadap jumlah Percentage from total liabilitas komitmen dan commitments and kontinjensi - neto 1.31 1.44 contingencies liabilities – net Tabel berikut merupakan kisaran tingkat suku bunga kontraktual per tahun atas transaksi dengan pihak- pihak berelasi untuk tahun yang berakhir pada tanggal 31 Desember 2016 dan 2015: The following table summarizes the range of contractual interest rates per annum for transactions with related parties for the years ended 31 December 2016 and 2015: Tingkat suku bunga Interest rate 2016 2015 Aset Assets Pinjaman yang diberikan - neto Catatan 11 10-16 10.59 Loans - net Note 11 Liabilitas Liabilities Simpanan nasabah Catatan 19 Deposit from customers Note 19 Giro 2-6 2-6 Demand deposits Tabungan 1.75-6.5 1-8 Savings deposits Deposito berjangka 5-10.88 5.50-10.88 Time deposits 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 – 589 – Schedule 42. INFORMASI MENGENAI PIHAK-PIHAK BERELASI lanjutan 42. INFORMATION OF RELATED PARTIES continued Transaksi dengan Pihak-pihak Berelasi lanjutan Transactions with Related Parties continued Grup memberikan kompensasi kepada Dewan Komisaris, Direksi dan pejabat eksekutif untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2016 dan 2015 sebagai berikut: The Group provided compensation to Board of Commissioners, Directors and executive officers for the years ended 31 December 2016 and 2015 as follows: 2016 2015 Dewan Komisaris: Board of Commissioners: Short-term employee Imbalan kerja jangka pendek 5,351,190 6,910,708 benefits Direksi: Directors Short-term employee Imbalan kerja jangka pendek 15,439,051 7,893,554 benefits Pejabat eksekutif: Executive officers: Short-term employee Imbalan kerja jangka pendek 23,040,051 18,089,546 benefits Long-term employee Imbalan kerja jangka panjang 873,720 12,363,236 benefits Jumlah 44,704,012 45,257,044 Total Terdiri dari gaji, tunjangan, THR dan bonus Terdiri dari imbalan pasca kerja Consist of salaries, allowances, THR and bonuses Consist of post employment benefit Tidak ada kompensasi dalam bentuk imbalan pasca kerja, imbalan kerja jangka panjang lainnya, pesangon pemutusan kontrak kerja dan pembayaran berbasis saham kepada Dewan Komisaris dan Direksi. There are no compensation of post-employment benefits, other long-term benefits, termination benefits and share-based payment to the Boards of Commisioners and Directors. 43. KOMITMEN DAN KONTINJENSI 43. COMM ITMENTS AND CONTINGENCIES Ikhtisar komitmen dan kontinjensi Grup yang dinyatakan dalam nilai kontrak adalah sebagai berikut: The following is the summary of the Groups commitments and contingencies at contractual amounts: 2016 2015 Komitmen: Commitments Liabilitas komitmen: Commitment liabilities: Fasilitas pinjamanyang belum digunakan: Unused loans facilities Pihak berelasi 20,008,070 20,000,000 Related parties Pihak ketiga 1,443,043,454 1,335,051,722 Third parties Liabilitas komitmen - neto 1,463,051,524 1,355,051,722 Commitment liabilities - net Kontinjensi: Contingencies Tagihan kontinjensi: Contingent receivables: Interest receivables on non- Pendapatan bunga dalam performing loans - penyelesaian - pihak ketiga 94,176,477 132,433,177 third parties Liabilitas kontinjensi: Contingent liabilities: Penerbitan jaminan dalam bentuk bank garansi: Issued bank guarantees Pihak ketiga 272,596,541 177,762,978 Third parties Pihak berelasi 685,089 157,500 Related parties Kontinjensi - neto 179,105,153 45,487,301 Contingent - net Jumlah liabilitas komitmen dan Total commitment and kontinjensi - neto 1,642,156,677 1,400,539,023 contingencies liabilities - net Pada tanggal 31 Desember 2016 dan 2015, tidak terdapat komitmen dan kontinjensi signifikan lainnya selain komitmen dan kontinjensi yang telah diungkapkan di atas. As at 31 December 2016 and 2015, there are no significant commitments and contingencies other than the aforementioned commitments and contingencies.