7
22.9022.63 25.60
31.39 33.0333.27
37.75 40.44
1.40 1.63 3.10 3.74
5.05 6.54
8.45 9.52
42.35 38.92
40.62 42.70
41.80 38.18
39.46 41.53
42.89 40.23
30.06
22.20
4.23 1.51
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
As of March 2005; Non-consolidated numbers
Consumer loan growth balancing the segment mix
Loans by Customer Segment Rp tn – Bank Only
By Segment Bank only
Loans Rp tn
of Portfolio
Corporate 42.89
10.2 46.2
Commercial 40.44
34.5 43.6
Consumer 9.52
125.1 10.3
Total 92.85
26.8 100
Y-O-Y Growth
Loan Segment Details – Bank Only
Corporate
Commercial
Consumer
8
Business Unit Performance Rp bn Corp.
Cons. Small
Micro Earning Assets Avg. Bal.
31,725 22,487
8,806 5,615
748
82 5
87 2
23 65
4.0 22,938
Deposits Borrowings Avg. Bal. 50,976
19,778 99,420
5,235
Interest Margin on Assets 252
306 123
107 Interest Margin on Liabilities
429 159
753 322
Total Interest Margin 681
465 876
215 Other Operating Income
29 12
230 31
Other Operating Expenses 116
128 625
6 Pre-Provision Operating Profit
594 348
481 58
of Pre-Provision Operating Profit 36.1
21.2 29.2
3.5 Comm.
Treasury
Corporate Banking remains the highest contributor to pre- provision operating profits for the quarter ended 31 Mar. 2005
Balance of pre-provision operating profit attributable to funds transfer pricing on capital not allocated to BU
9
283 411
655 199
328 540
1, 802
1, 860
1, 902
1, 912
1, 918
823 815
786 934
428 494
594 479
510 816
727
1, 996
1, 011
1, 522
152 3,
567 2,
852
1, 058
1, 939
1, 921
1, 493
1, 206
1, 270
1, 136
1,000 2,000
3,000 4,000
5,000 6,000
7,000 8,000
9,000 10,000
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
Other Cash Collateral Loans
Credit Cards Payroll Loans
Home Equity Loans Mortgages
Consumer Loan Portfolio Detail
Growth Loan Type
Y-o-Y Q-o-Q
Cash Collateral Loans 22.3
11.0 Credit Cards
53.5 5.1
Payroll Loans 3.1
0.2 Home Equity Loans
560.7 25.1
Mortgages 385.5
31.2 Other
386.4 49.7
126.0 Total Consumer
12.6
Car Loans channeled through finance companies = Rp 2.175 tn in our Commercial Loan Portfolio
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
10 25,
1
23 29,
5
42 23,
9
87 21,
45 21,
3
18 27,
4
23 10,
5
83
19 99
Add De
du ct
20 00
Add De
du ct
20 01
Add De
du ct
20 02
Add De
du ct
20 03
Add De
du ct
20 04
Add De
du ct
Q1 05
Others Write-Offs
Repayments Restructuring
Balance IDR bn
Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities
Restructured Loan Analysis
Loans by Restructuring Type in Q1 2005
Additional Loans
2 LT loans
wConvertible option
9 Maturity
Extension wReduced
Rates 11
Maturity Extension
wOther Restructuring
27 Maturity
Extension 51
Other Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period
for unpaid interest
Restructured Loan Movement 1999 - Q1 ‘05
11
Recap Bond Portfolio
Portfolio Sales as of March 2005 Rp bn
At Fair Value, Mar 2005
Rp tn
Trading
Mark to Market
AFS
Mark to Market
HTM
Nominal Value
Total of Total
Fixed Rate 0.2
4.4 1.4
6.0 85.8
1.4 Total
1.7 29.0
62.5 93.2
6.4
Variable Rate 1.5
24.5 59.7
92.0
Hedge Bonds -
- 1.4
1.5
of Total 1.8
31.1 67.1
177.4 176.9
153.5 148.8
123.0 93.1
93.2
4.0 32.3
0.1 1.0
15.8 24.5
40 80
120 160
200
1999 2000
2001 2002
2003 2004
Q1 05 5
10 15
20 25
30 35
Recap Bonds Bond Sales
Bond Portfolio Movement Fair Value, 1999 – Q1 ‘05
Rupiah Trillions IDR bn
2003 2004
Bonds Sold
32,334 1,365
66 Realized
Profit 1,868
18 Unrealized
Profit
Q1 ‘05
24,505 85
52 7
Mark to Market impacts Profit Mark to Market impacts Equity
12
164. 172.
6 182.
9 176.
9 173.
9 170.
3 153.
8 153.
5 44.
6
41. 2
43. 44.
5
49. 2
42. 5
48. 3
48. 3
50. 4
57. 65.
4
60.5 57.3 44.6 39.0 36.1
38.6 54.0 47.1 50.6
55.4 50.2 54.6 60.7 56.6
93. 2
93. 1
153. 8
153. 9
155. 5
148. 8
152. 7
94. 102.
3 107.
3 122.
9 131.
4 137.
99. 6
94. 4
42. 3
72. 6
66. 8
68. 7
75. 9
76. 7
82. 3
87. 40.3
30.4 46.6
33.4 18.3
23.2 25.7
40 80
120 160
200 240
280
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 Q3 04 Q4 04 Q1 05
Government Bonds Loans
Other Assets
46.2 40.7
45.6 45.5
47.4 60.6
48.5 62.1
64.8 67.5
67.8 74.1
68.2 67.8
63.6 75.4
75.0 74.7
76.7 74.7 74.9 75.7
50.5
44.2 42.3
34.1 41.6
19.6 18.9
16.1 17.1
19.1 21.0
29.5 31.1
