32
C o
rpor at
e C
o mme
rc ia
l
Organic IBRA
Restr
Trans Mfg-Oth
Mfg-Text Bus. Serv.
Agri Retail
Distr. Mfg-Wood
Mfg-NonM
Oth5
IDR USD
Invest. WC
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose
Q2 2004 Loan Detail: New NPLs
Corporate Commercial Loans Only
43.8 remained current on interest payments
62.3 were Commercial borrowers
2.8 were loans purchased from IBRA
43.9 were previously restructured
Largest downgrades by sector:
¾
Transportation
¾
Business Services
¾
Manufacturing of Textiles
85.0 were Rupiah loans
22.5 were Investment loans
1
st
time downgrades from Business Services, Trading Hotels
New NPLs in Corporate and Commercial loans totaled Rp 665
billion 0.9 of total loans in Q2. Of these new NPLs in Q2:
Loan Profile: Q2 Corp Comm New NPLs Rp 665 bn - Bank Only
33 New NPLs by Customer Segment Rp tn – Bank
Only
Annualized NPL Rate 665.4
251.1 414.2
Total
22.7 22.7
- Overseas
313.9 16.0
297.9 Post-Merger
18.2 -
18.2 Pre-Merger
18.6 -
18.6 IBRA
292.0 212.5
79.6 Restructured
New NPLs in Q2 2004
3.2 0.4
5.7 Post-Merger
1.5 -
2.2 Pre-Merger
1.5 -
5.4 IBRA
5.4 5.9
4.4 Restructured
4.4 4.4
- Overseas
72,493.1 39,464.5
33,028.6 Total
2,083.1 2,083.1
- Overseas
38,974.4 17,985.9
20,988.5 Post-Merger
3.7 2.5
5.0 Total
4,718.8 1,367.7
3,351.1 Pre-Merger
5,010.5 3,633.2
1,377.4 IBRA
21,526.4 14,342,4
7,184.0 Restructured
Commercial Loan Classification
Total Corporate
Loan Segment Details – Bank Only
Q2 2004 Loan Detail: New NPLs
34
Q2 2004 Loan Detail: Non-Performing Loans
Loan Profile: Q2 Corp Comm NPLs Rp 6.5 tn Bank Only
Corporate Commercial Loans Only
51.4 are to Corporate customers
63.9 are Investment loans
Primary sectors are:
¾
Manufacturing
• Pulp Paper
• Textiles
¾
Trading, Hotel Restaurant
¾
Agriculture
¾
Transportation
52.1 are Rupiah loans
36.3 were previously restructured
35.4 were loans purchased from IBRA
Rp 6.5 trillion in Corporate Commercial NPLs remained in Q2, or
8.3 of total loans. Of these NPLs in Q2:
Co rp
o ra
te C
o mme
rc ia
l
Organic IBRA
Restr
Mfg-PP Mfg-Oth
Agri Retail
Trans Mfg-Text
Hotels Soc Serv
Bus Serv
Oth5
IDR USD
Invest. WC
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose
35
Q2 2004 Movement in Category 1 and 2 Loans
56,233 1,926
2,729 74
14 1,446
1,400 60,994
Beg. Bal. D G t o 2
U G f rom 2
D G t o NPL
U G f rom NPL
Net Disburse.
FX Impact End Bal.
Category 1 Loan Movements Rp bn – Bank Only Category 2 Loan Movements Rp bn – Bank Only
544 720
126 613
1,446 1,400
10,621 9,912
Beg. Bal. Cat. 1 DG
UG to 1 DG to NPL
NPL UG Net
Disburse. FX Impact
End Bal.
36
Q2 2004 Loan Detail: New Category 2 Loans
Loan Profile: Q2 Corp Comm New Cat. 2 loans Rp 1.38 tn Bank Only
Corporate Commercial Loans Only
84.9 are to Commercial customers
