Kredit dihapusbukukan Loans written off

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 – 563– Schedule 13. BIAYA DIBAYAR DI MUKA

13. PREPAID EXPENSES

Lain-lain sebagian besar terdiri dari premi asuransi dibayar di muka, iuran keanggotaan OJK dan biaya jasa pengantaran uang. Others mainly consists of prepaid insurances, OJK membership fees and cash delivery services. 14. ASET TETAP 14. FIXED ASSETS 2014 Saldo Awal Beginning Balance Penambahan Additions Pengurangan Deductions Reklasifikasi Reclassifications Saldo Akhir Ending Balance Biaya Perolehan Acquisition Cost Kepemilikan langsung: Direct ownership: Tanah 47,123,731 2,853,511 - - 49,977,242 Land Gedung kantor 163,325,252 2,589,336 - 14,566,093 180,480,681 Office buildings Kendaraan bermotor 33,227,540 5,557,226 3,593,700 - 35,191,066 Vehicles Mesin-mesin dan Machinery and peralatan 16,682,040 1,541,532 668,241 1,976,749 19,532,080 equipment Perlengkapan dan Office furniture and perabotan kantor 6,478,955 1,700,284 8,000 - 8,171,239 equipment Construction in Aset pra operasional 34,748,842 246,250 - 16,542,842 18,452,250 progress Jumlah Biaya Total Acquisition Perolehan 301,586,360 14,488,139 4,269,941 - 311,804,558 Cost Akumulasi Accumulated Penyusutan Depreciation Kepemilikan langsung: Direct ownership: Gedung kantor 36,935,798 8,576,592 - - 45,512,390 Office buildings Kendaraan bermotor 18,710,294 4,541,235 3,311,217 - 19,940,312 Vehicles Mesin-mesin dan Machinery and peralatan 11,703,383 2,667,818 607,968 35,914 13,727,319 equipment Perlengkapan dan Office furniture and perabotan kantor 3,539,220 1,391,102 8,000 - 4,922,322 equipment Jumlah Akumulasi Total Accumulated Penyusutan 70,888,695 17,176,747 3,927,185 35,914 84,102,343 Depreciation Nilai Buku Neto 230,697,665 227,702,215 Net Book Value 2013 Saldo Awal Beginning Balance Penambahan Additions Pengurangan Deductions Reklasifikasi Reclassifications Saldo Akhir Ending Balance Biaya Perolehan Acquisition Cost Kepemilikan langsung: Direct ownership: Tanah 45,168,976 1,954,755 - - 47,123,731 Land Gedung kantor 160,327,484 339,798 - 2,657,970 163,325,252 Office buildings Kendaraan bermotor 30,849,500 5,301,890 2,923,850 - 33,227,540 Vehicles Mesin-mesin dan Machinery and peralatan 15,031,371 393,903 1,824,422 3,081,188 16,682,040 equipment Perlengkapan dan Office furniture and perabotan kantor 4,888,247 208,814 251,487 1,633,381 6,478,955 equipment Construction in Aset pra operasional 39,642,890 2,478,491 - 7,372,539 34,748,842 progress Jumlah Biaya Total Acquisition Perolehan 295,908,468 10,677,651 4,999,759 - 301,586,360 Cost 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 – 564– Schedule 14. ASET TETAP lanjutan

14. FIXED ASSETS continued

2013 Saldo Awal Beginning Balance Penambahan Additions Pengurangan Deductions Reklasifikasi Reclassifications Saldo Akhir Ending Balance Akumulasi Accumulated Penyusutan Depreciation Kepemilikan langsung: Direct ownership: Gedung kantor 28,937,139 7,998,659 - - 36,935,798 Office buildings Kendaraan 16,406,610 4,556,654 2,252,970 - 18,710,294 Vehicles Mesin-mesin dan Machinery and peralatan 10,903,523 2,598,373 1,798,513 - 11,703,383 equipment Perlengkapan dan Office furniture and perabotan kantor 2,642,967 1,128,464 232,211 - 3,539,220 equipment Jumlah Akumulasi Total Accumulated Penyusutan 58,890,239 16,282,150 4,283,694 - 70,888,695 Depreciation Nilai Buku Neto 237,018,229 230,697,665 Net Book Value Penyusutan yang dibebankan pada beban umum dan administrasi masing-masing adalah sebesar Rp 17.176.747 dan Rp 16.282.150 untuk tahun yang berakhir pada tanggal 31 Desember 2014 dan 2013 Catatan 34. Depreciation charged to general and administrative expenses amounted to Rp 17,176,747 and Rp 16,282,150 for the years ended 31 December 2014 and 2013 Note 34. Rincian laba penjualan aset tetap adalah sebagai berikut: The details of gain on sale of fixed assets are as follows: 2014 2013 Hasil penjualan aset tetap 2,215,843 2,020,277 Proceeds from sale of fixed assets Nilai buku 342,756 716,065 Book value Laba penjualan aset tetap 1,873,087 1,304,212 Gain on sale of fixed assets Laba penjualan aset tetap disajikan sebagai bagian dari akun “Pendapatan Non Operasional - Neto” pada laporan laba rugi konsolidasian Catatan 37. Gain on sale of fixed assets is presented as part of “Non-Operating Income - Net” in the consolidated profit and loss Note 37. Bank dan Entitas Anak memiliki beberapa bidang tanah yang terletak di Jakarta, Bekasi, Surabaya, Cirebon, Tegal dan Denpasar dengan hak kepemilikan berupa Hak Guna Bangunan yang berjangka waktu antara 20 dua puluh sampai dengan 30 tiga puluh tahun yang akan jatuh tempo dalam berbagai tahun sampai tahun 2040. Manajemen Bank dan Entitas Anak berpendapat bahwa tidak terdapat masalah dengan perpanjangan hak atas tanah karena seluruh tanah diperoleh secara sah dan didukung dengan bukti pemilikan yang memadai. The Bank and its Subsidiary own several fields of land in Jakarta, Bekasi, Surabaya, Cirebon, Tegal and Denpasar with Building Usage Rights HGB for 20 twenty up to 30 thirty years which will expire in various years up to 2040. The Bank’s and Subsidiary’s management believe that there will be no difficulty in the extension of the landrights since all of the land were acquired legally and supported by sufficient evidence of ownership.