51
Q 1 2006 Loan D etail: Collectibility by Business Unit
Loan Profile: Q 1 Collectibility by BU - Bank O nly
50.1 60.0
88.4 76.8
11.1 13.1
8.4 14.4
16.6
5.3 5.5
9.1 4.4
24.4 17.1
4.5
78.9 0.9
1.0 1.0
1.5 1.4
3.2 0.8
2.1
Corp Comm
Small Micro
Cons 5
4 3
2 1
10,000 20,000
30,000 40,000
50,000
Corp Comm
Small Micro
Cons 5
4 3
2 1
Loan Profile: Q 1 Collectibility Rp bn by BU - Bank O nly
52
13.5 were still current on interest payments with a further 21.0 less
than 30 days overdue
46.4 were Commercial borrowers
10.3 were loans previously restructured
0.7 were loans purchased from IBRA
Largest downgrades by sector:
¾
T extile Manufacturing
¾
W ood Manufacturing
¾
Agriculture
59.6 were Rupiah loans
45.7 were W orking Capital loans
1
st
time downgrades from T extile and W ood Manufacturing, Agriculture
Retail T rade
Corp Co
m m
Small
O rgan
ic Restr
IBRA OS
Mfg-Text Mfg-Wood
Mfg-Oth Agri
Trading-Ret Constr
Trading-HR Trading-Oth
Oth5
ID R
US D
WC Invest.
Export Program
C u
rren t
30 Days 31-60 Days
61-90 Days 90+ Days
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Int. Aging
Q 1 2006 Loan D etail: D owngrades to N PL
Excluding Micro Consumer Loans O nly
Corporate, Commercial Small Business loans downgraded to N PL in
Q 1 totaled Rp 1,558 billion 1.6 of total loans. O f these loans:
Loan Profile: Q 1 Downgrades to N PL Rp 1,558 bn - Bank O nly
53
Q 1 2006 Loan D etail: N on-Performing Loans
Loan Profile: Q 1 N PLs Rp 26,424 bn Bank O nly
22.1 remain current on interest payments and 13.7 are less than 90
days overdue
63.3 are to Corporate customers
37.3 are Investment loans
Primary sectors are:
¾
Manufacturing
•
T extiles
•
Pulp Paper
•
W ood
¾
Construction
¾
T rading
55.8 are U S Dollar loans
33.4 were previously restructured
12.2 were loans purchased from IBRA
