55
Q 1 2006 Loan D etail: N ew D owngrades to Category 2
Loan Profile: Q 1 Downgrades to Cat. 2 loans Rp 1,492 bn - Bank O nly
62.5 are for Commercial 23.8 are for Small Business customers
44.1 are current 1.1 are 1 day overdue
Primary sectors downgraded are:
¾
Agriculture
¾
T ransportation
¾
Construction
¾
Retail T rading
78.7 are Rupiah loans
52.8 are W orking Capital loans
11.9 are Restructured loans
0.3 were purchased from IBRA Rp 1,492 billion 1.5 of total loans in
Corporate, Commercial Small Business loans were downgraded to
Category 2 in Q 1. O f the downgraded Special Mention Loans in Q 1:
Cor p
Com m
Small
C u
rre n
t 1 Day
30 31-60
61+
Agri Trans
Mfg-Oth Trading-Oth
Constr Trading-Ret
Mfg-Chem Oth5
IDR USD
WC Invest.
Export Program
O rgani
c Restr
IBRA OS
10 20
30 40
50 60
70 80
90 100
GAS Days Aging
Sector Currency
Purpose Backgrnd
Excluding Micro Consumer Loans O nly
56
Q 1 2006 Loan D etail: Category 2 Loans
Loan Profile: Q 1 Category 2 Loans Rp 9,928 bn Bank O nly
48.1 are to Corporate customers
70.0 are current or 1 day overdue
Primary sectors in Category 2 are:
¾
Chemical Manufacturing
¾
Agriculture
¾
Construction
¾
T rading, H otels Restaurants
59.8 are Rupiah loans
54.1 are Investment loans
34.0 are Restructured loans
3.7 were purchased from IBRA
78.1 saw no change in collectibility Rp 9,928 billion 10.1 of total loans in
Corporate, Commercial Small Business loans were in Category 2 in
Q 1. O f these Special Mention loans in Q 1:
Cor p
Com m
Small
Cu rr
en t
1 Day 30
31-60 61+
Mfg-Chem Mfg-Oth
Agri Constr
Trading-HR Trading-Oth
Mass Trans Comm
Oth5
IDR USD
In v
e s
t. WC
Export Synd.
Program
O rgani
c Restr
IBRA
PL NC 1 to 2
New Bal.
10 20
30 40
50 60
70 80
90 100
GAS Days Aging
Sector Currency
Purpose Backgrnd
Move.
Excluding Micro Consumer Loans O nly
57
51.1 were to Commercial borrowers
68.4 were loans with no previous restructuring history
