NON-OPERATING INCOMEEXPENSE- NET Liabilitas imbalan pasca kerja

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 – 591 – Schedule 46. INFORMASI SEGMEN USAHA

46. SEGMENT INFORMATION a. Bidang usaha

a. Business activities

Nama PerusahaanCompany Bidang UsahaBusiness Activities PT Bank Victoria International Tbk. PT Bank Victoria Syariah Perbankan KonvensionalConventionalbanking 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 2016 dan 2015. 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 2016 and 2015 Berikut adalah informasi segmen Grup berdasarkan segmen operasi: The following is the segment information of the Group based on operating segments: 2016 Konvensional Conventional Syariah Sharia Eliminasi Elimination Jumlah Total Pendapatan bunga dan syariah Interest income - bersih 265,458,082 38,166,265 - 303,624,347 and Sharia- net Pendapatan operasional Other operating lainnya 312,489,188 968,554 - 313,457,742 income Beban operasional lainnya 454,062,962 77,754,230 1,189 531,818,381 Other operating expense Incomeloss Labarugi operasional 123,884,308 38,619,411 1,189 85,263,708 from operations Jumlah aset 24,679,512,632 1,625,183,249 304,714,598 25,999,981,283 Total assets Jumlah liabilitas 22,032,871,980 232,054,716 90,015,112 22,174,911,584 Total liaibilities 2015 Konvensional Conventional Syariah Sharia Eliminasi Elimination Jumlah Total Pendapatan bunga dan syariah Interest income - bersih 316,494,656 39,984,854 - 356,479,510 and Sharia- net Pendapatan operasional Other operating lainnya 202,083,025 1,231,299 - 203,314,324 income Beban operasional lainnya 391,862,448 73,739,893 1,363,881 466,966,222 Other operating expense Incomeloss Labarugi operasional 126,715,233 32,523,740 1,363,881 92,827,612 from operations Jumlah aset 22,056,162,584 1,379,258,860 184,735,793 23,250,685,651 Total assets Jumlah liabilitas 19,940,425,213 126,675,543 35,510,931 20,031,589,825 Total liaibilities