WARAN WARRANTS LKFS Bank Victoria International 31 Dec 2015 BVIC 29 March 2016 (FINAL)

PT BANK VICTORIA INTERNATIONAL TBK DAN ENTITAS ANAK AND ITS SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Dinyatakan dalam ribuan Rupiah kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in thousands Rupiah unless otherwise stated Lampiran – 594– Schedule

34. BEBANPEMULIHAN PENYISIHAN KERUGIAN PENURUNAN NILAI ASET KEUANGAN DAN

NON-KEUANGAN 34. PROVISION FORREVERSAL 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: 2015 2014 Current accounts with other banks Giro pada bank lain Catatan 6 70,797 21,669 Note 6 Efek-efek Catatan 8 3,007,484 30,342 Marketable securities Notes 8 Pinjaman yang diberikan Catatan 11 114,048,242 44,720,319 Loans Note 11 Jumlah 116,984,929 44,711,646 Total PemulihanBeban Penyisihan Kerugian Penurunan Nilai Aset Non-Keuangan ReversalProvision for Impairment Losses of Non-Financial Assets 2015 2014 Agunan yang diambil alih, rekening Foreclosed assets, suspense perantara dan tagihan lainnya 36,487,056 1,247,021 accounts and other receivables 35. BEBAN UMUM DAN ADMINISTRASI 35. GENERAL AND ADMINISTRATIVE EXPENSES 2015 2014 Premi asuransi 33,186,059 32,208,828 Insurance premium Penyusutan Catatan 14 18,462,322 17,176,747 Depreciation Note 14 Sewa gedung 15,634,866 14,191,991 Building rental Pemeliharaan dan perbaikan 10,690,797 11,061,475 Repairs and maintenance Pungutan OJK Tahunan 10,145,252 4,774,148 Annual fee OJK Asuransi 7,049,101 5,481,066 Insurance Telepon, telex dan faksimili 6,386,927 8,163,282 Telephone, telex and facsimile Pendidikan dan pengembangan 6,166,825 8,409,547 Study and development Iklan dan promosi 3,424,523 3,053,951 Advertising and promotion Pemakaian listrik, gas air minum 3,412,268 3,381,212 Electricity, gases and waters Biaya jasa pihak ketiga 3,381,119 3,674,502 Third party fee Barang cetakan dan alat tulis 3,221,340 3,490,403 Printing items and stationery Pengembangan teknologi 3,173,862 5,841,161 Technology development Jasa profesional 2,069,623 1,998,323 Professional fees Transportasi 584,285 864,398 Transportation Benda pos dan materai 67,229 90,805 Postage and stamp Lainnya 4,601,271 6,215,590 Others Jumlah 131,657,669 130,077,429 Total 36. BEBAN TENAGA KERJA 36. PERSONNEL EXPENSES 2015 2014 Gaji dan tunjangan 117,771,072 123,578,189 Salaries and allowance Tunjangan Hari Raya dan bonus 16,145,019 28,057,037 Tunjangan Hari Raya and bonus Biaya jasa tenaga kerja 19,718,791 18,478,112 Outsourcing service expenses Imbalan pasca kerja Catatan 24 10,423,181 10,928,021 Post-employment benefits Note 24 Lain-lain 1,974,052 1,059,825 Others Jumlah 166,032,115 182,101,184 Total