PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADM INISTRATIVE EXPENSES

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 – 583 – Schedule 32. PENDAPATAN BUNGA DAN SYARIAH

32. INTEREST AND SHARIA INCOME

2016 2015 Pendapatan bunga Interest income Pinjaman yang diberikan 1,658,877,382 1,555,583,118 Loans Efek-efek 295,652,323 247,278,626 Marketable securities Penempatan pada Bank Indonesia Placements with Bank Indonesia dan bank lain 84,066,479 66,582,202 and other banks Jumlah 2,038,596,184 1,869,443,946 Total Pendapatan syariah Sharia income Pendapatan margin 29,043,474 45,638,512 Margin income Pendapatan bagi hasil 69,402,653 76,495,742 Profit sharing Income from sharia Pendapatan surat berharga syariah - 16,930,043 marketable securities Pendapatan ijarah - neto 301,581 281,814 Net income from ijarah Income from other Pendapatan usaha utama lainnya 23,514,925 5,020,137 main operational 122,262,633 144,366,248 Jumlah 2,160,858,817 2,013,810,194 Total Jumlah pendapatan bunga dan syariah dari pihak berelasi untuk tahun yang berakhir pada tanggal 31 Desember 2016 dan 2015 masing-masing adalah sebesar Rp 2.585.637 dan Rp 932.134 Catatan 42. Total interest and sharia income from related parties for the years ended 31 December 2016 and 2015 amounted to Rp 2,585,637 and Rp 932,134, respectively Note 42. 33. BEBAN BUNGA DAN SYARIAH 33. INTEREST AND SHARIA EXPENSES 2016 2015 Simpanan dana pihak ketiga Third party deposits Deposito 1,599,838,225 1,405,480,941 Time deposits Tabungan 94,236,199 67,221,241 Savings deposits Giro 25,451,684 29,267,882 Demand deposits Obligasi yang diterbitkan 104,650,000 102,490,278 Bonds issued Amortization of bonds Amortisasi emisi obligasi 2,658,671 2,221,674 issuance cost Simpanan dari bank lain Deposits from other banks Call money 29,968,286 50,648,668 Call money Kewajiban Repo 431,405 - Repurchase liabilities Jumlah 1,857,234,470 1,657,330,684 Total Jumlah beban bunga dan syariah dari pihak berelasi untuk tahun yang berakhir pada tanggal 31 Desember 2016 dan 2015 masing-masing adalah sebesar Rp 6.294.526 dan Rp 6.499.899 Catatan 42. Total interest and sharia expenses from related parties for the years ended 31 December 2016 and 2015 amounted to Rp 6,294,526 and Rp 6,499,899, respectively Note 42 34. PENDAPATAN OPERASIONAL LAINNYA 34. OTHER OPERATING INCOME 2016 2015 Denda keterlambatan 21,001,476 20,572,490 Penalty income Pendapatan biaya administrasi jasa Receipt of administrative charges perbankan 14,231,051 6,759,522 for banking services Penerimaan dari transaksi ATM 723,697 527,566 Income from ATM transactions Penerimaan dari Western Union 15,371 23,663 Income from Western Union Penerimaan administrasi Telkom 41,988 30,711 Administration income - Telkom Lain-lain 3,181,899 2,528,706 Others Jumlah 39,195,482 30,442,658 Total Pendapatan lain-lain sebagian besar terdiri dari penerimaan pelunasan dipercepat dari pembiayaan syariah. Others mainly consists of early repayments of sharia financing. 417 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 – 584 – Schedule 35. BEBAN PENYISIHAN KERUGIAN PENURUNAN NILAI ASET KEUANGAN DAN NON-KEUANGAN 35. PROVISION FOR OF ALLOWANCE FOR IMPAIRMENT LOSSES ON FINANCIAL AND NON-FINANCIAL ASSETS Bebanpemulihan penyisihan kerugian penurunan nilai aset keuangan: Provision forreversal of impairment losses on financial assets are as follows: 2016 2015 Current accounts with Giro pada bank lain Catatan 6 - 70,797 other banks Note 6 Efek-efek Catatan 8 3,450,000 3,007,484 Marketable securities Notes 8 Pinjaman yang diberikan Catatan 11 167,518,355 114,048,242 Loans Note 11 Jumlah 164,068,355 116,984,929 Total Beban Penyisihan Kerugian Penurunan Nilai Aset Non-Keuangan Provision Impairment Losses of Non-Financial Assets 2016 2015 Agunan yang diambil alih, Foreclosed assets, rekening perantara dan suspense accounts and tagihan lainnya 15,379,031 36,487,056 other receivables 36. BEBAN UMUM DAN ADMINISTRASI 36. GENERAL AND ADM INISTRATIVE EXPENSES 2016 2015 Premi asuransi 39,694,915 33,186,059 Insurance premium Penyusutan Catatan 14 22,629,636 18,462,322 Depreciation Note 14 Sewa gedung 16,660,682 15,634,866 Building rental Pungutan OJK Tahunan 11,388,318 10,145,252 Annual fee OJK Pemeliharaan dan perbaikan 10,698,956 10,690,797 Repairs and maintenance Asuransi 7,842,555 7,049,101 Insurance Pendidikan dan pengembangan 6,152,988 6,166,825 Study and development Telepon, telex dan faksimili 6,063,799 6,386,927 Telephone, telex and facsimile Pengembangan teknologi 4,332,114 3,173,862 Technology development Jasa profesional 4,022,055 2,069,623 Professional fees Barang cetakan dan alat tulis 3,924,546 3,221,340 Printing items and stationery Pemakaian listrik, gas air minum 3,281,532 3,412,268 Electricity, gases and waters Biaya jasa pihak ketiga 2,726,783 3,381,119 Third party fee Iklan dan promosi 2,081,624 3,424,523 Advertising and promotion Amortisasi aset tidak berwujud 1,620,695 1,781,745 Amortisation of intangible assets Transportasi 649,527 584,285 Transportation Benda pos dan materai 81,850 67,229 Postage and stamp Lainnya 3,818,147 2,819,526 Others Jumlah 147,670,722 131,657,669 Total 37. BEBAN TENAGA KERJA 37. PERSONNEL EXPENSES