37
Q3 2004 Loan Detail: New Downgrades to Category 2
Loan Profile: Q3 Corp Comm Downgrades to Cat. 2 loans Rp 1.64 tn Bank Only
Corporate Commercial Loans Only
66.0 are to Commercial customers
26.7 are current or 1 day overdue
Primary sectors in Category 2 are:
¾
Wood Manufacturing
¾
Construction
¾
Transportation
¾
Trading
58.3 are Rupiah loans
59.2 are Investment loans
3.2 are Restructured loans
28.2 were purchased from IBRA Rp 1.64 trillion in Corporate
Commercial loans were downgraded to Category 2 in Q3, or 2.0 of total
loans. Of these downgrades to Special Mention Loans in Q3:
C o
rpor at
e Co
m m
e rc
ia l
Current 1 Day
30 31-60
61+
Mfg-Wood Constr
Mfg-Oth Trans
Trading Bus Serv
Oth5
IDR USD
Invest. WC
Export Other
Or gani
c IBRA
Restr
10 20
30 40
50 60
70 80
90 100
GAS Days Aging
Sector Currency
Purpose Backgrnd
38
Q3 2004 Loan Detail: Category 2 Loans
Loan Profile: Q3 Corp Comm Category 2 Loans Rp 9.3 tn Bank Only
Corporate Commercial Loans Only
40.1 are Corporate customers
54.9 are current or 1 day overdue
Primary sectors in Category 2 are:
¾
Textile Manufacturing
¾
Agriculture
¾
Trading, Hotels Restaurants
¾
Non-Metal Mining
55.0 are Rupiah loans
47.4 are Investment loans
61.5 are Restructured loans
29.6 were purchased from IBRA
77.8 saw no change in collectibility
Rp 9.3 trillion in Corporate Commercial loans were in Category 2
in Q2, or 11.5 of total loans. Of these Special Mention loans in Q2:
C or
por at
e C
o mme
rc ia
Current 1 Day
30 31-60
61+
Mfg-Text Agri
Mfg-Oth Mfg-Nmetal
Trading Mfg-Wood
Bus Serv Trans
Constr Oth5
IDR USD
Invest. WC
Export Synd
Other
O rgani
c
IBRA
Restr
1 to 2
New Bal. NC-PL
UG to PL
10 20
30 40
50 60
70 80
90 100
GAS Days
Aging Sector
Currency Purpose Backgrnd Move.
39
Movement in Restructured Loans, 1999 – Q3 ‘04
IDR bn
25, 123
29, 542
23, 9
87 22,
6 40
22, 2
58 21,
6 32
27, 4
23
10, 5
83
1999 Ad
d Deduc
t 2000
Ad d
Deduc
t 2001
Ad d
Deduc
t 2002
Ad d
Deduc
t 2003
Ad d
Deduc
t Q1
4 Ad
d Deduc
t Q2
4 Ad
d Deduc
t Q3
4
Other Write-Offs
Repayments Restructuring
Balance
Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities
40
Q3 2004 Loan Detail: Restructured Loans
Loan Profile: Q3 Corp Comm Restructured Loans Rp 21.6 tn Bank Only
Corporate Commercial Loans Only
91.0 are performing
69.3 are to Corporate customers
