SEGMENT INFORMATION continued b. Segmen Usaha lanjutan

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 – 592 – Schedule 46. INFORMASI SEGMEN USAHA lanjutan

46. SEGMENT INFORMATION continued b. Segmen Usaha lanjutan

b. Business Segment continued

Segmen Geografis Geographic Segment Berikut ini adalah informasi segmen Grup berdasarkan daerah geografis: The following is the business segment information of the Group based on geographical area: 2016 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Interest income Syariah -neto 323,796,485 12,542,594 12,227,397 4,597,853 303,624,347 and Sharia - net Beban penyisihan kerugian Provision for impairment penurunan nilai aset losses on financial and keuangan dan non-keuangan 170,470,614 9,186,161 401,504 192,115 179,447,386 non-financial assets Pendapatan operasional Other operating lainnya 312,305,071 515,601 586,669 50,401 313,457,742 income Beban umum dan General and administrative administrasi, expenses, personnel tenaga kerja dan expenses and lain-lain 328,970,924 11,627,024 7,769,333 4,003,714 352,370,995 others Income from Laba operasional 136,660,018 32,840,178 19,008,557 452,425 85,263,708 operations Pendapatan non Non-operating operasional -neto 21,523,900 9,452,510 3,141,764 1,330,701 7,598,925 income - net Laba sebelum pajak Income before penghasilan 158,183,918 42,292,688 22,150,321 878,276 92,862,633 income tax Beban pajak penghasilan 7,499,688 - - - 7,499,688 Income tax expense Laba tahun berjalan 165,683,606 42,292,688 22,150,321 878,276 100,362,321 Profit for the year Jumlah aset 25,721,687,071 106,395,498 128,917,864 42,980,850 25,999,981,283 Total assets Jumlah liabilitas 21,305,870,324 294,287,379 447,437,089 127,316,792 22,174,911,584 Total liabilities 2015 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Interest income Syariah -neto 357,370,299 13,470,558 3,904,189 8,675,580 356,479,510 and Sharia - net Beban penyisihan kerugian Provision for impairment penurunan nilai aset losses on financial and keuangan dan non-keuangan 146,731,807 7,388,496 3,573,301 2,924,983 153,471,985 non-financial assets Pendapatan operasional Other operating lainnya 202,473,483 550,907 289,934 - 203,314,324 income Beban umum dan General and administrative administrasi, expenses, personnel tenaga kerja dan expenses and lain-lain 291,768,207 11,816,759 7,794,434 2,114,837 313,494,237 others Income from Laba operasional 121,343,768 32,124,906 27,010 3,635,760 92,827,612 operations Pendapatan non Non-operating operasional -neto 16,368,493 20,187,831 5,022,119 7,671,663 1,169,794 income - net Laba sebelum pajak Income before penghasilan 104,975,275 11,937,075 4,995,109 4,035,903 93,997,406 income tax Beban pajak penghasilan 75,810 - - - 75,810 Income tax expense Laba tahun berjalan 105,051,085 11,937,075 4,995,109 4,035,903 94,073,216 Profit for the year Jumlah aset 22,441,144,776 395,397,908 354,043,320 60,099,647 23,250,685,651 Total assets Jumlah liabilitas 19,303,172,294 379,069,371 286,167,043 63,181,117 20,031,589,825 Total liabilities 426 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 – 593 – Schedule 47. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM 47. GOVERNMENT GUARANTEE ON OBLIGATIONS OF PRIVATE BANKS Berdasarkan Undang-undang Republik Indonesia No. 24 tahun 2004 tanggal 22 September 2004. Pemerintah telah membentuk lembaga penjaminan independen, yaitu Lembaga Penjamin Simpanan LPS untuk menjamin dana masyarakat termasuk dana dari bank lain dalam bentuk giro, deposito, sertifikat deposito, tabungan danatau bentuk lainnya yang dipersamakan dengan itu. Based on the Law of the Republic of Indonesia No. 24 year 2004 dated 22 September 2004, the Government of Republic Indonesia has established an independent insurance corporation by the name of Indonesia Deposit Insurance Corporation LPS. LPS insures public funds, including funds from other banks in form of demand deposits, time deposits, certificates of deposit, savings andor other equivalent form. Berdasarkan Salinan Peraturan Lembaga Penjamin Simpanan No. 1PLPS2006 tanggal 9 Maret 2006 tentang Program Penjaminan Simpanan, besarnya saldo yang dijamin untuk setiap nasabah pada satu bank adalah paling tinggi sebesar Rp100.000.000 nilai penuh. Based on the Deposit Insurance Corporation Regulation No. 1PLPS2006 dated 9 March 2006 concerning the Deposit Guarantee Program, the maximum guaranteed amount for each customer in one bank is Rp100,000,000 full amount. Selanjutnya, sesuai dengan Peraturan Pemerintah PP Nomor 66 tahun 2008 tentang Besaran Nilai Simpanan yang Dijamin Lembaga Penjaminan Simpanan, maka nilai simpanan setiap nasabah pada satu bank yang dijamin oleh Pemerintah naik menjadi sebesar Rp 2.000.000.000 nilai penuh dari semula Rp100.000.000 nilai penuh, terhitung efektif tanggal 13 Oktober 2008. Furthermore, in accordance with Government Regulation PP No.66 year 2008 regarding the Amount of the Guaranteed Savings Guaranteed by Deposit Insurance Corporation, the value of each customer deposits in one bank guaranteed by the Government increased to Rp 2,000,000,000 full amount from Rp100,000,000 full amount previously, effective starting from 13 October 2008. Suku bunga pinjaman LPS pada tanggal 31 Desember 2016 dan 2015 masing-masing adalah sebesar 6,25 dan 7,50 untuk simpanan dalam mata uang Rupiah dan masing-masing sebesar 0,75 dan 1,25 untuk simpanan dalam mata uang asing. The interest rate of deposit insurance corporation as at 31 December 2016 and 2015 is 6.25 and 7.50 for deposits denominated in Rupiah, and 0.75, and 1.25 for deposits denominated in foreign currency, respectively. Berdasarkan Undang-undang Republik Indonesia No. 7 tahun 2009, Peraturan Pemerintah Pengganti Undang-undang tentang Lembaga Penjaminan Simpanan telah ditetapkan menjadi Undang-undang sejak tanggal 13 Januari 2009. Based on the Law of the Republic of Indonesia No. 7 year 2009, Government Regulation in Lieu of Law on the Indonesia Deposit Insurance Corporation has been enacted into Law starting from 13 January 2009. Bank adalah peserta dari program penjaminan tersebut dan beban premi penjaminan Pemerintah yang dibayar selama periode 31 Desember 2016 dan 2015 masing-masing adalah sebesar Rp 39.694.915 dan Rp 33.186.059. The Bank is a participant of this government guarantee program and the premium paid in period31 December 2016 and 2015 amounted to Rp 39,694,915 and Rp 33,186,059, respectively. 48. MANAJEMEN RISIKO 48. RISK MANAGEMENT