TAMBAHAN MODAL DISETOR ADDITIONAL PAID-IN CAPITAL

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 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 – 595– Schedule 36. BEBAN TENAGA KERJA lanjutan 36. PERSONNEL EXPENSES continued Termasuk dalam beban tenaga kerja adalah kompensasi yang diberikan kepada manajemen dan karyawan kunci Catatan 40. Included in the personnel expenses are compensation to key management and employees Note 40. 37. BEBAN OPERASIONAL LAINNYA 37. OTHER OPERATING EXPENSES 2015 2014 Beban membership ATM dan ATM membership and annual fee ATM iuran tahunan ATM 6,407,980 3,240,929 expenses Beban parkir dan tol 4,196,110 930,044 Parking and tolls expenses Beban pemasaran 1,623,144 569,112 Marketing expenses Beban administrasi dan kliring 551,709 716,665 Administration and clearing expenses Beban representasi Representation and dan jamuan 522,457 761,746 entertainment expenses Beban keperluan kantor 200,579 206,681 Office supplies expenses Beban sumbangan 97,957 125,685 Donation expenses Lain-lain 2,204,517 3,895,231 Others Jumlah 15,804,453 10,446,093 Total 38. PENDAPATAN NON OPERASIONAL - NETO 38. NON-OPERATING INCOME - NET 2015 2014 Pendapatan Non Operasional: Non-Operating Income: Penerimaan dari pinjaman yang Proceeds from telah dihapusbukukan - 16,199,998 write-off loan Laba penjualan aset tetap Gain on sale of fixed assets Catatan 14 709,341 1,873,087 Note 14 Lain-lain 693,941 720,039 Others Beban Non Operasional: Non-operating expense: Lain – lain 233,488 745,260 Others Pendapatan Non Operasional - neto 1,169,794 18,047,864 Non-Operating Income - Net 39. LABA PER SAHAM 39. EARNINGS PER SHARE Laba per saham dasar dihitung dengan membagi laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk dengan jumlah rata-rata tertimbang saham biasa yang beredar pada tahun bersangkutan. Basic earnings per share is calculated by diving the income for the year attributable to shareholders by the weighted-average number of ordinary shares outstanding during the year.