USE OF 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 – 552– Schedule 4. KAS 4. CASH 2015 2014 Kas dalam khasanah 68,143,994 58,658,561 Cash in vault Kas 195,000 198,000 Cash on hand 68,338,994 58,856,561 5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA 2015 2014 Rupiah 1,425,748,011 1,524,951,197 Rupiah Pada tanggal 31 Desember 2015 dan 2014, saldo giro pada Bank Indonesia termasuk giro yang berdasarkan pada prinsip perbankan Syariah Entitas Anak masing-masing adalah sebesar Rp 56.457.587 dan Rp 51.604.874. As at 31 December 2015 and 2014, current accounts with Bank Indonesia include amounts under Sharia banking principles Subsidiary of Rp 56,457,587 and Rp 51,604,874, respectively. Rasio GWM Grup pada tanggal 31 Desember 2015 dan 2014 adalah sebagai berikut: As at 31 December 2015 and 2014, the GWM ratios of the Group are as follows: 2015 2014 Bank Umum – Konvensional Commercial Bank – Conventional Giro Wajib Minimum Primer - Rupiah 8.35 8.86 Primary Statutory Reserve - Rupiah Giro Wajib Secondary Statutory Minimum Sekunder - Rupiah 12.21 12.67 Reserve- Rupiah Giro Wajib Minimum - LFR 0.00 0.00 Primary Statutory Reserve - LFR Bank Syariah 5.00 5.01 Sharia Bank Berdasarkan Peraturan Bank Indonesia No.155PBI2013 tanggal 24 Desember 2013 tentang Giro Wajib Minimum “GWM” Bank Umum dalam Rupiah dan valuta asing bagi Bank Umum Konvensional, Bank wajib memenuhi GWM dalam Rupiah yang terdiri dari GWM Primer sebesar 8, GWM Sekunder sebesar 4 dari Dana Pihak Ketiga “DPK” dalam Rupiah dalam Rupiah dan GWM Loan to Deposit Ratio “LDR”. Selain itu, Bank juga wajib memenuhi GWM valuta asing sebesar 8 dari DPK dalam valuta asing. In accordance with the Bank Indonesia Regulation No.1515PBI2013 dated 24 December 2013 regarding Minimum Statutory Reserves “GWM” in Rupiah, the Bank should comply with minimum reserve requirement in Rupiah which consist of Primary GWM of 8, secondaryy GWM of 4 calculated from Third Party Fund “TPF” in Rupiah as well as Loan to Deposit Ratio “LDR” Staturoy Reserves. Furthermore, the Bank shall also comply with minimum reserve requirement in foreign currency of 8 from TPF in foreign currencies. Pada tanggal 25 Juni 2015, Bank Indonesia mengeluarkan peraturan No.1711PBI2015 tentang perubahan atas PBI No.1515PBI2013 tentang Giro Wajib Minimum Bank Umum dalam Rupiah dan valuta asing bagi Bank Umum Konvensional, Bank harus memenuhi GWM dalam Rupiah terdiri dari GWM Primer, GWM Sekunder dan GWM Loan to Funding Ratio LFR. PBI GWM LFR mulai berlaku pada tanggal 26 Juni 2015 dan perhitungan GWM LFR mulai berlaku 3 Augustus 2015. On 25 June 2015, Bank Indonesia issued a regulation No.1711PBI2015 concerning amendment of PBI No.1515PBI2013 regarding Statutory Reserves at Bank Indonesia for Commercial Banks in Rupiah and foreign currencies the Bank should comply with a minimum reserve requirement in Rupiah consist of Primary GWM, Secondary GWM and Loan to Funding Ratio LFR Statutory Reserves. LFR Statutory Reserves Regulation is applied effectively since 26 June 2015 and GWM LFR calculation applied starting 3 August 2015. 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 – 553– Schedule 5. GIRO PADA BANK INDONESIA lanjutan 5. CURRENT ACCOUNTS WITH BANK INDONESIA continued Pada tanggal 26 November 2015, Bank Indonesia mengeluarkan Peraturan No.1721PBI2015 tentang perubahan kedua atas PBI No.1515PBI 2013 tentang Giro Wajib Minimum Bank Umum Dalam Rupiah dan valuta asing bagi Bank Umum Konvensional, Bank wajib memenuhi GWM dalam Rupiah yang terdiri dari GWM Primer sebesar 7,5. Peraturan tersebut berlaku efektif mulai tanggal 1 Desember 2015. On 26 November 2015, Bank Indonesia issued regulation No.1721PBI2015 regarding second amendment of PBI No.1515PBI2013 regarding Statutory Reserves at Bank Indonesia for Commercial Banks in Rupiah and foreign currencies. The Bank should comply with minimum reserve requirement in Rupiah which consist of Primary GWM of 7.5. The regulation effective since 1 December 2015. Pada tanggal 31 Desember 2015 dan 2014, Giro Wajib Minimum GWM Bank telah sesuai dengan Peraturan Bank Indonesia PBI No. 1310PBI2011 tanggal 9 Februari 2011 yang telah diubah dengan PBI No. 1515PBI2013 tanggal 24 Desember 2013 yang kemudian diubah dengan PBI No. 1712PBI2015 pada tanggal 1 Desember 2015 tentang Perubahan atas PBI No. 1310PBI2011 tentang Giro Wajib Minimum Bank Umum pada Bank Indonesia BI dalam Rupiah dan valuta asing. As at 31 December 2015 and 2014, the Bank’s Minimum Statutory Reserve complies with Bank Indonesia BI Regulation No. 1310PBI2011 dated 9 February 2011 which has been amended with BI Regulation No. 1515PBI2013 dated 24 December 2013 which have been further amended with PBI No. 1712PBI2015 dated 1 December 2015 regarding the changes of BI regulation No. 1310PBI2011 concerning Minimum Statutory Reserve of Commercial Banks with BI in Rupiah and foreign currency. GWM Primer adalah simpanan minimum yang wajib dibentuk oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia, sedangkan GWM Sekunder adalah cadangan minimum yang wajib dibentuk oleh Bank berupa Sertifikat Bank Indonesia “SBI”, Surat Utang Negara “SUN” danatau kelebihan saldo Rekening Giro Rupiah Bank dari GWM Primer dan GWM Loan to Funding Ratio “LFR” yang dipelihara di Bank Indonesia. Primary Minimum Statutory Reserve is a minimum reserve that should be maintained by the Bank in Current Accounts with Bank Indonesia. Secondary Minimum Statutory Reserve is the minimum reserves that should be maintained by the Bank, comprised of Certificates of Bank Indonesia SBI, Government Debenture Debt SUN, Sharia Government Securities SBSN, andor excess reserve which represent the excess reserve of the Bank’s Current Accounts in Rupiah over the Primary Minimum Statutory Reserve and the Minimum Statutory Reserve on Loan to Deposit Ratio LDR. GWM LFR adalah tambahan simpanan minimum yang wajib dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia, besaran dan parameter yang digunakan dalam perhitungan GWM LFR ditetapkan batas bawah LFR target 78 dan batas atas LFR target 92 serta KPMM insentif 14. Batas atas LFR target Bank sebesar 94 dalam hal Bank memenuhi rasio kredit UMKM lebih cepat dari target waktu tahapan pencapaian rasio kredit UMKM, memenuhi rasio NPL total kredit secara bruto kurang dari 5 dan memenuhi rasio NPL kredit UMKM secara bruto kurang dari 5. The Minimum Statutory Reserve on LDR is the additional reserve that should be maintained by the Bank in the form of Current Accounts with Bank Indonesia, if the Bank’s LDR is below the minimum of LDR targeted by Bank Indonesia 78 or if the Bank’s LDR above the maximum of LDR targeted by BI 92 and the Capital Adequacy Ratio CAR is below BI requirement of 14.The maximum LFR of the Bank is 94, if Bank has met Micro, Small and Medium Loan Ratio UMKM faster than the requiremeent, total gross NPL ratio below 5, and total gross NPL UMKM ratio below 5. Bank telah memenuhi Peraturan Bank Indonesia yang berlaku tentang GWM Bank Umum Konvensional dan Syariah pada tanggal 31 Desember 2015 dan 2014. The Bank has fulfilled the prevailing Bank Indonesia ’s Regulation regarding Minimum Reserve Requirement for Conventional and Sharia Banks as at 31 December 2015 and 2014.