strategi Pemasaran Marketing Strategy

Financial Performance Review Tinjauan Kinerja Keuangan Tinjauan keuangan yang diuraikan berikut mengacu kepada Laporan Keuangan Konsolidasian untuk tahun yang berakhir tanggal 31 Desember 2015 dan 2014 yang disajikan dalam Laporan Tahunan ini. Laporan Keuangan telah diaudit oleh Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis Rekan independent member irm of Pricewaterhouse Cooper dan mendapat opini wajar, dalam semua hal yang material, posisi keuangan PT Bank Victoria International Tbk. dan Entitas Anak pada tanggal 31 Desember 2015 dan 2014, serta kinerja keuangan dan arus kas konsolidasian untuk tahun yang berakhir pada tanggal-tanggal tersebut sesuai dengan Standar Akuntansi Keuangan di Indonesia. LaPoRan Posisi KeUanGan KonsoLiDasian Tabel Laporan Posisi Keuangan Konsolidasian Table of Consolidated statements of Financial Positions dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 aseT asseTs Aset Keuangan 22,404,912 21,046,386 1,358,526 6.45 Financial Assets Aset Non Keuangan 845,773 318,496 527,277 165.55 Non-Financial Assets ToTaL aseT 23,250,686 21,364,882 1,885,803

8.83 ToTaL asseTs

LiaBiLiTas LiaBiLiTies Liabilitas Keuangan 19,908,027 18,351,285 1,556,742 8.48 Financial Liabilities Liabilitas Non Keuangan 123,563 83,338 40,225 48.27 Non-Financial Liabilities ToTaL LiaBiLiTas 20,031,590 18,434,623 1,596,967

8.66 ToTaL LiaBiLiTies

Dana SYIRKAH TeMPoReR 1,105,406 1,170,430 65,025

5.56 TeMPoRaRY sYiRKaH FUnD

ToTaL eKUiTas 2,113,690 1,759,829 353,861

20.11 ToTaL eQUiTY

ToTaL LiaBiLiTas, Dana SYIRKAH TeMPoReR, Dan eKUiTas 23,250,686 21,364,882 1,885,803 8.83 ToTaL LiaBiLiTies, TeMPoRaRY sYiRKaH FUnD, anD eQUiTY The following inancial performance review refers to the Consolidated Financial Statements for the years ended 31 December 2015 and 2014 as presented in this Annual Report. These inancial statements have been audited by the Public Accounting Firm of Tanudiredja, Wibisana, Rintis Rekan independent member irm of PricewaterhouseCoopers and received the opinion that they have presented fairly, in all material aspects, the inancial position of PT Bank Victoria International Tbk and its Subsidiaries as at 31 December 2015 and 2014, as well as the inancial performance and consolidated inancial statements for the years thus ended, in accordance with the prevailing Financial Accounting Standards in Indonesia. ConsoLiDaTeD sTaTeMenTs oF FinanCiaL PosiTions