59
0.1 36.3
1.1 0.2
3.2 0.4
2.2 -
2.2 0.3
- 2.4
2.2 36.6
0.2 -
3.8 0.4
N et Q 2 2006
1.8 0.2
2.3 0.2
0.3 0.8
2.1 4.3
2.4 0.3
1.8 0.7
1.4 0.0
2.1 -
- 0.8
N et Q 1 2006
Q 3 2006 Q 4 2005
Q 3 2005 Q 4 2006
94,813 1,046
62,749 1,043
2,964 20,137
41,200 104
32,944 799
489 4,963
53,613 942
29,805 244
2,476 15,174
Value Rp bn
1.0 1.2
1.4 1.0
0.3 0.6
1.2 12.3
1.6 1.5
1.3 1.8
0.8 0.2
1.0 -
0.5 -
N et
4.5 3.6
5.1 1.2
4.8 2.9
6.3 3.3
6.5 0.1
2.7 6.6
2.9 3.6
3.3 6.1
5.2 1.1
N et
2.0 0.4
1.4 0.1
0.5 4.5
1.7 9.2
2.5 0.2
1.7 1.9
5.5 0.8
6.9 -
0.9 5.7
N et
6.3 0.3
2.2 0.2
59.1 14.1
1.8 3.5
1.3 0.2
6.5 9.7
- 3.2
- 70.8
16.6
UG to PL
1.7 1.6
1.5 0.3
- 3.2
1.9 7.3
2.1 0.4
- 1.5
1.6 0.9
0.9 -
- 3.8
D G to N PL
Total O verseas
Post-Merger Pre-Merger
IBRA Restructured
T otal Loans
Total O verseas
Post-Merger Pre-Merger
IBRA Restructured
Commercial Small Business Loans
Total O verseas
Post-Merger Pre-Merger
IBRA Restructured
Corporat e Loans
Loan Background
4.6 1.2
0.6 0.1
59.1 10.9
0.1 3.9
0.8 0.2
5.0 8.1
0.9 2.3
- 70.8
12.8
N et
Q uarterly Analysis of N PL and PL changes
Corporate, Commercial Small Business Loans O nly downgrades
and upgrades
are quarterly figures
60
Q 4 2006 Loan D etail: Collectibility by Business Unit
Loan Profile: Q4 Collectibility by BU - Bank Only
60.8 69.5
69.5 80.9
19.9 9.1
20.5 11.5
15.4 2.1
2.2 17.0
18.6 6.6
80.5 1.3
0.6 0.4
0.6 0.2
3.3 0.9
0.6 5.5
2.6
Corp Comm
Small Micro
Cons
5 4
3 2
1
5,000 10,000
15,000 20,000
25,000 30,000
35,000 40,000
45,000 50,000
55,000
Corp Comm
Small Micro
Cons
5 4
3 2
1
Loan Profile: Q4 Collectibility Rp bn by BU - Bank Only
61
N PL Loan D etail: Q uarterly by Interest D ays Past D ue
Quarterly Downgrades to N PL Interest DPD - Bank Only
9 7
6 6
6 5
4 7
4 1
,1 8
1 1
,1 6
1 6
,9 1
1 ,1
7 7
4 ,1
6 1
,5 5
8 1
,3 4
1 ,6
4 4
1 ,0
3 1
11.8 43.8
14.2 21.0
65.5
53.0
32.8 38.3
13.5 7.1
15.9
2.8
26.0
10.6 22.7
0.5 25.1
21.1 15.9
10.2 21.0
1.1 1.2
0.3 2,000
4,000 6,000
8,000 10,000
12,000
Q 1 04
Q 2 04
Q 3 04
Q 4 04
Q 1 05
Q 2 05
Q 3 05
Q 4 05
Q 1 06
Q 2 06
Q 3 06
Q 4 06
0.0 12.5
25.0 37.5
50.0 62.5
75.0 Rp Value
Current 30 D ays
Quarterly N PL Stock Interest DPD - Bank Only Rp tn
6 ,1
9 6
6 ,4
5 1
5 ,9
2 5
6 ,3
3 4
1 7
,4 5
6 2
4 ,9
6 2
2 4
,1 9
3 2
6 ,2
4 8
2 6
,4 2
4 1
7 ,9
6 2
5 ,4
1 4
2 5
,6 6
5 18.7
22.5 26.3
60.0
33.0 28.7
22.1 19.0
16.2 22.1
5.3 3.3
4.5 2.8
17.2
10.2 8.57.7
