INFORMATION OF RELATED PARTIES Sifat Hubungan

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 – 594– Schedule 39. INFORMASI MENGENAI PIHAK-PIHAK BERELASI lanjutan 39. INFORMATION OF RELATED PARTIES continued Transaksi dengan Pihak-pihak Berelasi lanjutan Transactions with Related Parties continued 2014 2013 Dewan Komisaris: Board of Commissioners: Imbalan kerja jangka pendek 5,118,224 5,284,447 Short-term employee benefits Direksi: Directors Imbalan kerja jangka pendek 12,063,156 13,259,117 Short-term employee benefits Pejabat eksekutif: Executive officers: Imbalan kerja jangka pendek 17,082,119 13,453,633 Short-term employee benefits Imbalan kerja jangka panjang - 3,207,965 Long-term employee benefits Jumlah 34,263,499 35,205,162 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. 40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTS AND CONTINGENCIES Dalam bisnis normal perbankan, Bank mempunyai komitmen dan kontinjensi yang tidak disajikan dalam laporan keuangan konsolidasian. On normal bank business, the Bank has commitments and contingencies which not presented on the consolidated financial statements. Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak adalah sebagai berikut: The following is the summary of the Banks commitments and contingencies at contractual amounts: 2014 2013 Komitmen: Commitments Liabilitas komitmen: Commitment liabilities: Fasilitas kredit yang belum digunakan: Unused loans facilities Pihak berelasi 18,509,270 18,346,489 Related parties Pihak ketiga 1,320,581,650 1,243,398,978 Third parties Liabilitas komitmen - neto 1,339,090,920 1,261,745,467 Commitment liabilities - net Kontinjensi: Contingencies Tagihan kontinjensi: Contingent receivables: Interest receivables on non- Pendapatan bunga dalam performing loans - penyelesaian - pihak ketiga 72,148,986 100,016,715 third parties Liabilitas kontinjensi: Contingent liabilities: Penerbitan jaminan dalam bentuk bank garansi: Issued bank guarantees Pihak ketiga 182,822,454 122,568,812 Third parties Pihak berelasi 157,500 257,500 Related parties Tagihan kontinjensi - neto 110,830,968 22,809,597 Contingent receivables - net Jumlah liabilitas komitmen dan Total commitment and kontinjensi - neto 1,449,921,888 1,284,555,064 contingencies liabilities - net 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 – 595– Schedule 40. KOMITMEN DAN KONTINJENSI lanjutan

40. COMMITMENTS AND

CONTINGENCIES continued Pada tanggal 31 Desember 2014 dan 2013, tidak terdapat komitmen dan kontinjensi signifikan lainnya selain komitmen dan kontinjensi yang telah diungkapkan di atas. As of 31 December 2014 and 2013, there are no significant commitments and contingencies other than the aforementioned commitments and contingencies. 41. KEPENTINGAN NONPENGENDALI 41. NON-CONTROLLING INTEREST Perubahan kepentingan nonpengendali atas kekayaan neto Entitas Anak adalah sebagai berikut: The changes in the non-controlling interest in the net assets of the Subsidiary is as follows: 2014 2013 Saldo awal tahun 29,357 28,356 Balance at beginning of the year Bagian kepentingan nonpengendali Profit for the year attributable to atas laba tahun berjalan 3,873 642 non-controlling interest Bagian kepentingan nonpengendali atas keuntungankerugian yang belum direalisasi atas Unrealized gainslosses on changes perubahan nilai wajar surat- in fair value of available-for-sale Efek-efek yang tersedia marketable securities in untuk dijual di dalam ekuitas Subsidiary’s equity to Entitas Anak 1,579 359 non-controlling interest Saldo akhir tahun 27,063 29,357 Balance at end of the year 42. INFORMASI SEGMEN USAHA 42. SEGMENT INFORMATION a. Bidang usaha a. Business activities Nama PerusahaanCompany Bidang UsahaBusiness Activities PT Bank Victoria International Tbk. PT Bank Victoria Syariah Perbankan KonvensionalConventional banking Perbankan SyariahBanking activities based on Sharia Principles b. Segmen Usaha b. Business Segment Segmen Operasi Operating Segment Bank telah menyajikan segmen operasi berdasarkan PSAK 5 Revisi 2009 mengenai Segmen Operasi. Segmen operasi dilaporkan sesuai dengan laporan internal Bank yang disiapkan untuk mengambil keputusan operasional yang bertanggung jawab untuk mengalokasikan sumber daya ke segmen tertentu dan penilaian atas performanya. The Bank presented operating segment based on PSAK 5 Revised 2009 regarding `Operating Segments. The operating segment reported is according to internal bank report prepared for operational decisions that are responsible for allocating resources to certain segments and assessment of performance. Tidak terdapat pendapatan dari satu konsumen eksternal atau pihak lain yang mencapai 10 atau lebih dari jumlah pendapatan Bank untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2014 dan 2013. There was no revenue from the external customers or other parties that reached 10 or more of the Banks income for the years ended 31 December 2014 and 2013 Berikut adalah informasi segmen Bank dan Entitas Anak berdasarkan segmen operasi: The following is the segment information of the Bank and its Subsidiary based on operating segments: 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 – 596– Schedule 42. INFORMASI SEGMEN USAHA lanjutan

42. SEGMENT INFORMATION continued b. Segmen Usaha lanjutan

b. Business Segment continued Segmen Operasi lanjutan

Operating Segment continued 2014 Konvensional Conventional Syariah Sharia Eliminasi Offset Jumlah Total Pendapatan bunga dan syariah Interest income - bersih 292,110,640 45,509,163 - 337,619,803 and Sharia- net Pendapatan operasional Other operating lainnya 131,357,598 3,163,924 2,567,157 131,954,365 income Beban operasional lainnya 292,168,184 73,921,147 - 366,089,331 Other operating expense Incomeloss Labarugi operasional 131,300,054 25,248,060 2,567,157 103,484,837 from operations Jumlah aset 20,138,678,812 1,439,983,332 213,779,860 21,364,882,284 Total assets Jumlah liabilitas 18,400,817,621 134,237,725 100,432,251 18,434,623,095 Total liaibilities 2013 Konvensional Conventional Syariah Sharia Eliminasi Offset Jumlah Total Pendapatan bunga dan syariah Interest income - bersih 364,239,370 53,758,908 2,734,097 415,264,181 and Sharia- net Pendapatan operasional Other operating lainnya 102,696,577 1,074,656 2,728,486 106,499,718 income Beban operasional lainnya 175,355,944 50,421,331 1,990 225,775,285 Other operating expense Laba operasional 291,600,003 4,412,233 23,622 295,988,614 Income from operations Jumlah aset 17,942,098,052 1,324,383,788 113,350,950 19,153,130,890 Total assets Jumlah liabilitas 16,358,775,255 120,620,082 1,380 16,479,393,957 Total liaibilities Segmen Geografis Geographic Segment Berikut ini adalah informasi segmen Bank dan Entitas Anak berdasarkan daerah geografis: The following is the business segment information of the Bank and its Subsidiary based on geographical area: 2014 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Syariah - Interest income neto 321,608,025 4,780,259 8,357,197 12,434,840 337,619,803 and Sharia - net Beban penyisihan kerugian Provision for penurunan nilai impairment aset keuangan losses on dan non- financial and non- keuangan 29,442,633 6,854,379 5,647,903 1,519,710 43,464,625 financial assets Pendapatan operasional Other operating lainnya 130,788,611 656,728 218,055 290,971 131,954,365 income General and administrative Beban umum dan expenses, administrasi, personnel tenaga kerja dan expenses and lain-lain 298,071,223 14,696,448 7,192,473 2,664,562 322,624,706 others Income from Laba operasional 124,882,780 25,674,358 4,265,124 8,541,539 103,484,837 operations Pendapatan non operasional - Non-operating neto 8,928,976 20,774,216 3,218,415 8,436,913 18,047,864 income - net Laba sebelum pajak Income before penghasilan 133,811,756 4,900,142 7,483,539 104,626 121,532,701 income tax Beban pajak Income tax penghasilan 15,833,357 - - - 15,833,357 expense Laba tahun berjalan 117,978,399 4,900,142 7,483,539 104,626 105,699,344 Profit for the year Jumlah aset 21,108,027,665 156,945,766 85,506,788 14,402,065 21,364,882,284 Total assets Jumlah liabilitas 18,165,767,295 161,564,082 92,994,278 14,297,440 18,434,623,095 Total liabilities 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 – 597– Schedule 42. INFORMASI SEGMEN USAHA lanjutan

42. SEGMENT INFORMATION continued b. Segmen Usaha lanjutan

b. Business Segment continued Segmen Geografislanjutan

Geographic Segment continued Berikut ini adalah informasi segmen Bank dan Entitas Anak berdasarkan daerah geografis: The following is the business segment information of the Bank and its Subsidiary based on geographical area: 2013 Jadetabek Jadetabek Jawa Barat West Java Jawa Tengah Jawa Timur Central East Java Luar Jawa Non Java Jumlah Total Pendapatan bunga dan Syariah - Interest income neto 390,716,889 11,390,928 7,019,058 6,137,306 415,264,181 and Sharia - net Beban penyisihan kerugian Provision for penurunan nilai impairment aset keuangan losses on dan non- financial and non- keuangan 60,609,912 2,697,596 1,556,134 637,644 55,718,538 financial assets Pendapatan operasional Other operating lainnya 101,527,863 2,452,789 1,108,084 1,410,983 106,499,719 income General and administrative Beban umum dan expenses, administrasi, personnel tenaga kerja dan expenses and lain-lain 261,738,163 13,859,649 3,580,294 2,315,718 281,493,824 others Income from Laba operasional 291,116,501 2,713,528 2,990,714 4,594,927 295,988,614 operations Pendapatan non operasional - Non-operating neto 25,255,130 1,024,990 5,020,595 3,247,950 15,961,595 income - net Laba sebelum pajak Income before penghasilan 316,371,631 3,738,518 2,029,881 1,346,977 311,950,209 income tax Beban pajak Income tax penghasilan 67,534,825 - - - 67,534,825 expense Laba tahun berjalan 248,836,806 3,738,518 2,029,881 1,346,977 244,415,384 Profit for the year Jumlah aset 18,704,505,953 381,623,461 30,028,897 36,972,579 19,153,130,890 Total assets Jumlah liabilitas 16,029,620,670 382,088,908 32,058,778 35,625,601 16,479,393,957 Total liabilities

43. JAMINAN PEMERINTAH

TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM

43. 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 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.