62
Q4 2005 Loan Detail: Category 2 Loans
Loan Profile: Q4 Category 2 Loans Rp 10,962 bn Bank Only
47.7 are to Corporate customers
74.0 are current or 1 day overdue
Primary sectors in Category 2 are:
¾
Agriculture
¾
Chemical Manufacturing
¾
Trading, Hotels Restaurants
¾
Construction
58.3 are Rupiah loans
54.8 are Investment loans
36.2 are Restructured loans
4.0 were purchased from IBRA
77.3 saw no change in collectibility Rp 10,962 billion 10.9 of total loans
in Corporate, Commercial Small Business loans were in Category 2 in
Q4. Of these Special Mention loans in Q4:
Cor p
Com m
Small
Cur ren
t 1 Day
30 31-60
61+
Agri Mfg-Oth
Mfg-Chem Trading-HR
Constr Trans
Mfg-Text Trading-Oth
Oth5
IDR USD
In v
e s
t. WC
Export Synd.
Program
O rgani
c Restr
IBRA
UG to PL 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 Only
63
63.4 were to Commercial borrowers
78.5 were loans with no previous restructuring history
21.5 were loans previously restructured
Largest upgrades by sector:
¾
F B Manufacturing
¾
Non-Metal Manufacturing
¾
Raw Material Manufacturing
80.6 were Rupiah loans
56.9 were Investment loans
61.2 of upgrades to PL were NPLs moving to Category 2
38.8 of upgrades to PL were NPLs moving to Category 1
Corp Comm
Small
O rgani
c Restr
OS
Mfg-FB Mfg-NonM
Oth Mfg-Oth
Mfg-RawM Agri
Oth5
ID R
US D
In ve
st. WC
Synd. Export
1 2
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Collect.
Q4 2005 Loan Detail: Upgrades to PL
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans upgraded to PL in Q4
totaled Rp 148 billion 0.1 of total loans. Of these loans:
Loan Profile: Q4 Upgrades to PL Rp 148 bn - Bank Only
64
Q4 2005 Loan Detail: Performing Loans
Loan Profile: Q4 Performing Loans Rp 60,772 bn Bank Only
46.1 are to Corporate customers 41.9 are to Commercial customers
81.9 have no restructuring history
16.5 are Restructured loans
0.2 were purchased from IBRA
Primary sectors in Category 2 are:
¾
FB Manufacturing
¾
Agriculture
¾
Construction
¾
Chemical manufacturing
73.7 are Rupiah loans
55.1 are Working Capital loans
