Pendapatan Pengelolaan Dana Oleh Bank

128 Bank Victoria Syariah | Annual Report 2016 PT BANK VICTORIA SYARIAH Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2016 dan 2015 Angka-angka Disajikan dalam Rupiah, kecuali Dinyatakan Lain PT BANK VICTORIA SYARIAH Notes to Financial Statements For the Years Ended December 31, 2016 and 2015 Figures are Presented in Rupiah, unless Otherwise Stated

25. Hak Pihak Ketiga Atas Bagi Hasil Dana

Syirkah Temporer 25. Third Parties’ Share On Returns of Temporary Syirkah Funds 2016 2015 Pihak berelasi Catatan 34 Related parties Note 34 SIMA 346.115.278 797.002.778 SIMA Deposito mudharabah 18.878.890 66.361.874 Mudharabah deposit Tabungan mudharabah 660.247 3.378.559 Mudharabah saving deposits Jumlah 365.654.415 866.743.210 Subtotal Pihak ketiga Third parties Deposito Mudharabah 76.699.912.154 95.030.293.609 Mudharabah Deposit SIMA 3.051.524.622 3.225.524.688 SIMA Tabungan Mudharabah 2.485.794.979 2.828.098.470 Mudharabah Saving Deposits Giro 1.493.482.529 2.430.734.875 Current accounts Jumlah 83.730.714.284 103.514.651.643 Subtotal Jumlah 84.096.368.699 104.381.394.853 Total

26. Pendapatan Operasional Lainnya

26. Other Operating Income

2016 2015 Pendapatan pelunasan dipercepat 685.076.500 920.650.698 Income from early repayment Administrasi dan lainnya 283.478.021 286.447.864 Administrative and others Keuntungan penjualan efek-efek - 24.200.000 Gain on sales of marketable securities Jumlah 968.554.521 1.231.298.562 Total

27. Beban Umum dan Administrasi

27. General and Administrative Expenses

2016 2015 Asuransi 3.427.619.910 4.043.895.510 Insurance Sewa 2.811.452.256 2.885.769.885 Rent Pengembangan sistem 1.761.652.656 1.952.369.001 System development Pemeliharaan dan perbaikan 1.659.720.144 2.335.185.610 Repair and maintenance Pajak dan perijinan 1.569.774.797 158.787.461 Tax and permission Depreciation of property and Penyusutan aset tetap Catatan 12 1.132.311.208 1.763.773.354 equipment Note 12 Keanggotaan 1.041.076.791 949.336.230 Membership Transportasi 937.426.507 1.212.795.116 Transportation Amortisasi aset tidak berwujud Amortisation of intangible assets Catatan 13 860.483.680 746.699.666 Note 13 Promosi 781.532.694 837.047.295 Promotional Biaya fee ATM tahunan 552.425.638 528.409.676 Annual fee ATM expense Listrik dan air 486.273.348 535.400.651 Electricity and water Telekomunikasi 450.978.257 456.107.407 Telecommunication Konsultan 339.500.000 653.450.000 Consultants Peralatan kantor 321.261.280 364.782.395 Office supplies Keamanan dan kebersihan 135.146.892 86.448.560 Securities and cleanliness Lain-lain 127.381.691 192.037.784 Others Jumlah 18.396.017.749 19.702.295.601 Total - 52 - 129 Bank Victoria Syariah | Annual Report 2016 PT BANK VICTORIA SYARIAH Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2016 dan 2015 Angka-angka Disajikan dalam Rupiah, kecuali Dinyatakan Lain PT BANK VICTORIA SYARIAH Notes to Financial Statements For the Years Ended December 31, 2016 and 2015 Figures are Presented in Rupiah, unless Otherwise Stated

28. Beban Personalia

28. Personnel Expenses

2016 2015 Gaji 20.650.054.606 20.271.823.662 Salaries Beban imbalan pasti Catatan 32 1.947.503.996 1.892.310.873 Post-employment benefit Note 32 Tunjangan hari raya 1.687.818.589 1.719.129.595 Tunjangan hari raya Honor Dewan Komisaris 1.076.824.870 859.620.000 Remuneration of Board of Commissioners Premi asuransi jiwa 941.296.369 602.710.840 Life insurance premium Lembur 493.199.831 404.392.112 Overtime Pendidikan 365.122.875 483.375.008 Educational expenses Jumlah 27.161.821.136 26.233.362.090 Total

29. Pembentukan Cadangan Kerugian

Penurunan Nilai 29. Allowances For Impairment Losses Expenses Rincian beban pencadangan pemulihan kerugian penurunan nilai aset produktif dan non produktif adalah sebagai berikut: Details of allowance recovery for impairment losses in earning and non-earning assets are as follows: 2016 2015 Pembiayaan musyarakah Catatan 9 18.050.227.544 6.561.036.645 Musyarakah financing Note 9 Piutang murabahah Catatan 8 12.628.981.279 32.691.952.516 Murabahah receivables Note 8 Aset lain-lain Catatan 15 929.030.877 1.997.214.265 Other assets Note 15 Pembiayaan ijarah 5.937.500 98.153.576 Ijarah financing Giro pada bank lain Catatan 5 - 70.797.446 Current accounts with other Banks Note 5 Pembiayaan mudharabah Catatan 10 - 90.025.668 Mudharabah financing Note 10 Efek-efek Catatan 7 - 442.515.758 Marketable securities Note 7 Jumlah 31.614.177.200 27.426.637.688 Total

30. Pendapatan Beban Non Operasional

30. Non Operating Income Expense

2016 2015 Pendapatan non operasional Non operating income Keuntungan penjualan aset tetap Gain on sale of property and equipment Catatan 12 10.740.391.034 74.412.335 Note 12 Pendapatan fee dari pihak ketiga 65.347.913 194.822.077 Income fee from third parties Keuntungan penjualan properti terbengkala - 247.000.000 Gain on sale of abandoned assets Pendapatan non operasional lainnya 3.246 78.009.430 Other non-operating income Jumlah 10.805.742.193 594.243.842 Total Beban non operasional Non-operating expenses Denda dan sanksi 27.752.000 33.436.651 Penalties Lain-lain 42.755.000 22.016.000 Others Jumlah 70.507.000 55.452.651 Total Jumlah 10.735.235.193 538.791.191 Total - 53 -