39
Q2 2004 Loan Detail: Restructured Loans
Loan Profile: Q2 Corp Comm Restructured Loans Rp 22.3 tn Bank Only
Corporate Commercial Loans Only
89.5 are performing
67.2 are to Corporate customers
Primary sectors are:
¾
Agriculture
¾
Manufacturing
• Chemicals
• Textiles
¾
Trading Hotels
¾
Business Services
51.5 are Rupiah loans
59.0 are Investment loans
1.8 improved in collectibility
4.0 deteriorated in collectibility Rp 22.3 trillion in restructured
Corporate Commercial loans remained in Q2, or 28.7 of total
loans. Of Restructured Loans in Q2:
1 2
3 4
5
Current 30
31-60 61+
Mfg-Oth Agri
Mfg-Chem Mfg-Text
Mfg-NonM Trading
Mfg-PP Bus Serv
Constr Oth5
IDR USD
Other
Invest. WC
C o
rporat e
C o
mme rc
ia l
1 to 2
2 to 1
PL-NC
DG to NPL NPL-NC
NPL + NPL -
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
GAS Movement
40
Agriculture 9.2
Mfg-Oth 9.2
Mfg-Chem 8.4
Bus Serv 7.1
Mfg-PP 5.8
Retail 4.4
Mining 4.4
Mfg-Wood 4.1
Hotels Rest. 3.7
Construction 6.9
Mfg-FB 10.3
Mfg-Text 7.0
Trans 5.2
Mfg-Non-metal 3.5
Distribution 3.5
Others 7.4
Loan Portfolio Sector Analysis
Breakdown By Sector, June 2004
1
1 Non-consolidated numbers
No sector accounts for more than 11 of total loans
Minimizing exposure to problem sectors including
¾
Textiles 7.0
¾
Plywood 4.1
¾
Hotels Restaurants 3.7
Focusing on growth sectors including:
¾
Agriculture
¾
Fisheries
¾
Natural Resources
41
Q2 2004 Loan Detail: Corporate Loans
Loan Profile: Q2 Corporate Loans Only Rp 39.5 tn
1 2
3 4
5
Current 30
31-60 61+
Mfg-FB Mfg-Chem
Mfg-Oth Mfg-PP
Trading Mfg-Text
Mining Mfg-NonM
Bus Serv Oth5
IDR USD
Other
Invest. WC
O rgani
c IBR
A IBRA Restr.
R e
st ru
ct u
re d
New Bal. 2 to 1
PL-NC DG to NPL
NPL-NC NPL -
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
91.6 are performing loans
9.3 are in Category 2
65.2 of Category 2 loans are current in interest payments
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Chemical Mfg
¾
Pulp Paper Mfg
¾
Trading, Hotels Restaurants
45.7 are Rupiah loans
54.1 are Investment loans
37.9 are Restructured loans
10.2 were purchased from IBRA Rp 39.5 trillion in loans were in the
Corporate portfolio in Q2, or 50.9 of total loans. Of the Corporate Loans in
Q2:
42
1 2
3 4
5
Current
1 Day
30 31-60
61+
Mfg-Other Agri
Bus Serv Constr
Retail Mfg-Text
Trans Hotels
Mfg-Wood Oth5
IDR USD
Invest. WC
O rgani
c IBRA
IBRA Restr.
R e
st ru
ct u
re d
New Bal.
1 to 2
2 to 1
PL-NC DG to NPL
NPL-NC NPL -
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
Q2 2004 Loan Detail: Commercial Loans
Loan Profile: Q2 Commercial Loans Only Rp 33.0 tn
90.5 are performing
17.7 are in Category 2
57.7 of Category 2 loans are current in interest payments
Primary sectors in Commercial are:
¾
Agriculture
¾
Retail
¾
Business Services
¾
Construction
75.1 are Rupiah loans
45.5 are Investment loans
22.1 are Restructured loans
4.2 were purchased from IBRA Rp 33.0 trillion in loans were in
Commercial portfolio in Q2, or 42.6 of total loans. Of the Commercial
Loans in Q2:
43
Q2 2004 Loan Detail: Rupiah Loans
Loan Profile: Q2 Corp Comm Rupiah Loans Rp 42.8 tn Bank Only
1 2
3 4
5
Current 30
31-60 61+
Mfg-Oth Mfg-FB
Agri Trading-Oth
Bus Serv Constr
Retail Trans
Mfg-NonM Oth5
C or
p or
at e
Co m
m e
rc ia
Invest. WC
O rgani
c IBRA
Restr
New Bal. 1 to 2
2 to 1 PL-NC
DG to NPL NPL-NC
NPL -
10 20
30 40
50 60
70 80
90 100
Collect Cat 2 Aging
Sector Business
Purpose Backgrnd
Move
92.1 are performing loans
