65
Q 1 2006 Loan D etail: Rupiah Loans
Loan Profile: Q 1 Loans Rp 56,095 bn Bank O nly
1 2
3 4
5
C u
rre n
t 1 Day
30 31-60
61+
Mfg-Oth Mfg-FB
Agri Constr
Trading-Oth Trading-Ret
Bus Serv Oth5
Cor p
Com m
Small
WC Invest
Export Program
Other
O rgani
c Restr
IBRA
New Bal. NPL DG
NPL NC DG to NPL
PL DG PL NC
PL UG
10 20
30 40
50 60
70 80
90 100
Collect Cat 2 Aging
Sector Business
Purpose Backgrnd
Move
79.2 are performing loans with 10.6 in Category 2
57.1 of Category 2 loans are current in interest payments
10.8 of N PLs are current in interest payments
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Agriculture
¾
Construction
¾
T rading
46.6 are Commercial loans
55.6 are W orking Capital loans
19.4 are Restructured loans
1.2 were purchased from IBRA Rp 56,095 billion in loans were Rupiah
denominated in Q 1, or 57.2 of total loans. O f the Rupiah Loans in Q 1:
Excluding Micro Consumer Loans O nly
66
Q 1 2006 Loan D etail: Foreign Currency Loans
Loan Profile: Q 1 FX Loans Rp 28,673 bn Bank O nly
48.5 are performing loans with 13.9 in Category 2
79.4 of Category 2 loans are current in interest payments
31.0 of N PLs are current in interest payments
Primary sectors in Corporate are:
¾
Manufacturing of
Chemicals
T extiles Leather
Pulp Paper
¾
Agriculture
¾
Mining
72.8 are Corporate loans
44.1 are Investment loans
27.4 are Restructured loans
12.0 were purchased from IBRA Rp 28,673 billion in loans were foreign
currency denominated in Q 1, or 29.2 of total loans. O f the FX Loans in Q 1:
4
1 2
3 5
Cur ren
t 1 Day
30 31-60
61+
Mfg-Chem Mfg-Text
Mfg-PP Agri
Mfg-Oth Mfg-Wood
Mining Trading
Constr Mfg-FB
Oth5
Cor p
Co m
m
In ve
st .
WC Synd.
Export
O rgani
c Restr
IBRA OS
New Bal. NPL DG
NPL NC NPL UG
DG to NPL PL DG
PL NC PL UG
10 20
30 40
50 60
70 80
90 100
Collect Cat 2 Aging
Sector Business
Purpose Backgrnd
Move
Excluding Micro Consumer Loans O nly
67 O ther T ransaction Services
3, 427
3, 772
4, 118
4, 429
4, 702
2, 665
1, 014
1, 800
341
1, 303
321 497 566 680 1,
132 952
72 112 234
7 185
164 18
50
106 6,988
7,364
1,053
3,808 3,072
1,069 695
1,356
288.45 22.07
257.94 198.52
165.85 1,086
1,016 1,023
159 27
706 679
Q3 2
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
Q2 5
Q3 5
Q4 5
Q1 6
Debit Cards Issued 000 SMS Subs. 000
SMS Trans. 000 Internet Bank. Subs. 000
Call Center Trans. 000
Electronic banking channels rapidly expanding
38 9.
7 47
5.
3 58
2.
3 65
1.
8 69
1.
5 69
8. 61
7.
9 56
4.
2 33
6.
5 29
0.
5 26
8.
7 74
.2
11 5.
8 20
3.
9 23
2.
9 52
.2 94
.2
15 9.
22 6.
2 27
1.
8
138,259 338,518
293,246 263,908
225,829
98,004
2,709 6,270
12,201 25,429
41,744 62,551
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Q3 4
Q1 5
Q3 5
Q1 6
Avg Daily Volume 000 Avg Daily Value Rp Mn
AT M Average Daily T ransaction Volume and Value
D ebit Cards reintroduced in Jan. ‘04
C re
d it
C a
rd b
u si
n e
ss g
ro w
th h
a s
re su
m e
d
M a
n d
ir i V
is a
C a
rd H
o ld
e rs
a n
d E
O Q
R e
c e
iv a
b le
s
1,367.4 1,279.4
1,353.6 1,256.6
1,205.8
1,135.6 933.6
823.2
567.5 645.9
747.9 814.9
785.7 1,270.2
7 5
2 .4
6 5
.7
2 2
5 .7
2 7
5 .3
3 3
8 .2
4 1
8 .0
7 9
.4
2 4
5 .3
2 7
5 .4
3 5
7 .5
5 9
.2 6
7 9
.1 7
3 1
.9 7
6 4
.9
Q 4 02 Q 1 03
Q 2 03 Q 3 03
Q 4 03 Q 1 04
Q 2 04 Q 3 04
Q 4 04 Q 1 05
Q 2 05 Q 3 05
Q 4 05 Q 1 06
R e
c e
iv a
b le
s R
p B
n
C a
rd s
s
82 78
90 95
110 127
170 162
172 179
165 191
168 166
187 170
172 190
216 199
191 199
193 209
184 165
2 4
1 8
2 2
1 1
9 2
1 1
9 1
9 1
9 3
2 8
2 3
2 1
7 1
8 1
9 1
8 2
8 2
1 8
2 2
2 1
1 6
1 1
9 8
7 7
5 4
3 3
4 7
7 4
2 2
4 2
3 1
2 7
2 1
9
8 7
7 1
2 1
2 2
5
Jan 04 Mar 04
May 04 Jul 04
Sep 04 N ov 04
Jan 04 Mar 04
May 05 Jul 05
Sep 05 N ov 05
Jan 06 Mar 06
T r
a n
s fe
r B
a la
n c
e
C a
s h
A d
v a
n c
e
R e
ta il
V is
a C
a rd
M o
n th
ly S
a le
s b
y T
y p
e o
f T ra
n sa
c ti
o n
R p
B il
li o
n
Trans fe
rre d
from G E
69
Credit Card portfolio stable throughout in Q 1
Mandiri Visa Card Delinquency Rates
106.1
82.9
38.6 35.9
38.9 45.4
67.2 75.6
98.7
21.2 25.4
15.9 11.8
12.4 7.5
0.0 12.2
13.1 2.6
2.3 2.3
70.7
9.6 2.5
0.4 0.9 1.5
1.6 1.9
2.1
Ja n
4 A
p r
4 Ju
l 4
O c
t 4
Ja n
5 A
p r
5 Ju
l 5
O c
t 5
Ja n
6
NPLs 90+DPD W rite-O ffs
Recoveries
Monthly Charge-offs, N PLs Recoveries Rp Billion
21.3
9.1 7.1
7.1 7.7
9.2 10.2
3.6 5.0
4.5 3.8
4.3 4.8
1.9 2.5
2.4 3.1
16.0
8.6 16.8
7.4 5.3
5.0
3.3 13.3
10.7
4.6 3.4
