7
As of Jun. 2004; Non-consolidated numbers
Loans by Customer Segment Rp tn – Bank Only
On target for loan mix by end-2004
¾
Corporate: 50
¾
Non-Corporate: 50
Non-Performing Loans by Segment
6.64 0.19
3.13 3.32
NPLs Rp tn
100 6.5
42.6 50.9
of Portfolio
19.5 210.1
45.9 -2.9
Y-O-Y Growth
77.55 5.05
33.03 39.46
Loans Rp tn
3.76 Cons.
8.41 Corp.
NPLs By Segment
Bank only
Total Comm.
8.56 9.48
Loan Segment Details – Bank Only
22.90 22.63
25.60 31.39
33.03
1.40 1.63
3.10 3.74
5.05 38.92
40.62 42.70
41.80 38.18
39.46 40.23
30.06
22.20
4.23 1.51
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Corporate
Commercial
Consumer
8
20 40
60 80
100
Q1 Q2
Q3 Q4
Q1 1
Q2 1
Q3 1
Q4 1
Q1 2
Q2 2
Q3 2
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
5 - Loss 4 - Doubtful
3 - Substandard 2 - Special Mention
1 - Pass
12.8 14.5
15.0 24.8
26.2 35.7
20 40
60 80
100
Cat 2
Cat. 2 as
of Total Loans
Special Mention loans declining
Loans by Collectibili ty –
B ank Only
9 NPL Movement - Consolidated
8.2 19.8
9.7 7.3
8.6 62.2
1.8 190.4
82.3 129.5
146.7 129.9
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Gross NPL Ratio Net NPL Ratio
Prov NPL
Maintaining conservative provisioning
As of 30 Jun ‘04:
¾ ProvisionsNPL coverage = 129.9
¾ Collateral values not deducted for
Categories 3,4 and 5 ¾
Provisions excess to BI requirements = Rp 2.8 tn
Restructuring during Q2 ‘04:
¾ Loans Restructured = Rp 170 bn
¾ Bad Debt Recovery = Rp 231 bn
5 4
3 2
1 Collectibility
Non-Performing Loans
Performing Loans
50
15
15
5
100 2
BMRI Policy
100 50
1 BI Req.
Provisioning Policy
Provisioning Details
10
Recap Bond Portfolio
Portfolio Sales as of June 2004 Rp bn
102.3 67.4
33.5 1.4
Total 6.3
83.9 12.1
Total
65.9 32.8
1.4 of Total
6.2 6.3
- -
Hedge Bonds
82.0 59.7
22.9 1.3
Variable Rate
11.8 1.4
10.6 0.1
Fixed Rate
of Total
HTM
Nominal Value
AFS
Mark to Market
Trading
Mark to Market
At Fair Value, June 2004
Rp tn
177.4 176.9
153.5 148.8
123.0 107.3
102.3
4.0 17.5
8.2
1.0 15.8
24.5
40 80
120 160
200
1999 2000
2001 2002
2003 Q1 04 Q2 04
5 10
15 20
25 Recap Bonds
Bond Sales
Bond Portfolio Movement Fair Value, 1999 – Q2 ‘04
Ru pia
h Trillio
ns
10 63
8,181 Q2 ‘04
60 653
17,540 Q1 ‘04
716 1,868
Realized Profit Unrealized Profit
Bonds Sold
IDR bn
70 52
25,721 24,505
H1 ‘04 2003
11
40,000 80,000
120,000 160,000
200,000 240,000
280,000
Q1 00 Q2 00 Q3 00 Q4 00 Q1 01 Q2 01 Q3 01
Q4 01 Q1 02
Q2 02 Q3 02 Q4 02 Q1 03 Q2 03 Q3 03
Q4 03 Q1 04
Q2 04
Government Bonds Loans
Other Assets
47.4
42.3 60.6
48.5 74.1
68.2 67.8
63.6 75.4
74.7 74.9
34.1 41.6
29.9 22.1
19.3 19.0
18.1 19.0
19.8
Int. from Bonds Int. from Loans
As a
of Total Interest Income
Growing Contribution from Loans vs. Bonds – Bank Only
Total Assets Rp billions
12
20 40
60 80
100 120
140 160
180 200
Q1 00 Q2 00 Q3 00 Q4 00
Q1 01 Q2 01 Q3 01
Q4 01 Q1 02
Q2 02 Q3 02
Q4 02 Q1 03
Q2 03 Q3 03
Q4 03 Q1 04
Q2 04
Rp Savings Deposits Rp Demand Deposits
FX Demand Deposits Rp Time Deposits
FX Time Deposits
Funding Mix Improves
Deposit Analysis – Bank Only
Deposits by Type Rp tn
62.6
50.9 48.7
