57
51.1 were to Commercial borrowers
68.4 were loans with no previous restructuring history
31.6 were loans previously restructured
Largest upgrades by sector:
¾
Agriculture
¾
Retail T rading
¾
Mining
79.4 were Rupiah loans
58.6 were W orking Capital loans
63.3 of upgrades to PL were N PLs moving to Category 2
36.7 of upgrades to PL were N PLs moving to Category 1
Corp Comm
Small
O rg
ani c
Restr OS
Agri Trading-Ret
Mining Trading-Oth
Oth5
ID R
US D
WC Invest.
Program
1 2
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Collect.
Q 1 2006 Loan D etail: Upgrades to PL
Excluding Micro Consumer Loans O nly
Corporate, Commercial Small Business loans upgraded to PL in Q 1
totaled Rp 58 billion 0.1 of total loans. O f these loans:
Loan Profile: Q 1 U pgrades to PL Rp 58 bn - Bank O nly
58
Q 1 2006 Loan D etail: Performing Loans
Loan Profile: Q 1 Performing Loans Rp 58,343 bn Bank O nly
45.2 are to Corporate customers 43.0 are to Commercial customers
81.4 have no restructuring history
17.0 are Restructured loans
1.6 were purchased from IBRA
Primary sectors in Category 2 are:
¾
FB Manufacturing
¾
Agriculture
¾
Construction
¾
Chemical manufacturing
76.2 are Rupiah loans
52.5 are W orking Capital loans
90.0 saw no change in collectibility
0.1 were upgraded from N PL Rp 58,343 billion 59.5 of total loans
in Corporate, Commercial Small Business loans were performing in Q 1.
O f these performing loans in Q 1:
Excluding Micro Consumer Loans O nly
Corp Comm
Small
O rgani
c Restr
IBRA OS
Mfg-FB Mfg-Oth
Agri Constr
Trading-Oth Mfg-Chem
Trading-Ret Bus Serv
Oth5
ID R
US D
WC Invest.
Export Other
1 2
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Collect.
59
2 5
,1 2
3 2
9 ,5
4 2
2 3
,9 8
7 2
1 ,0
4 5
1 9
,4 2
7 1
8 ,9
4 2
2 7
,4 2
3 1
,5 8
3
1 9
9 9
A d
d D
e d
u c
t 2
A d
d D
e d
u c
t 2
1 A
d d
D e
d u
c t
2 2
A d
d D
e d
u c
t 2
3 A
d d
D e
d u
c t
2 4
A d
d D
e d
u c
t 2
5 A
d d
D e
d u
c t
Q 1
6
Others W rite-Offs
Repayments Restructuring
Balance
Limited Restructured Loan Activity in Q 1 ‘06
IDR bn
O thers includes partial payments, FX impacts, and fluctuation in W orking Capital facilities
Loans by Restructuring T ype in Q 1 2006
Additional loans 2
LT loans wconvert.
option 8
Maturity extension
wreduced rates
12
Maturity extension
wother restrg
25 Maturity
extension 53
O ther Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 1999 - Q 1 ‘06
228 19
Q 1 ‘06
813 391
FY ‘04
1,118 N PL Collections
718 Loans Restructured
FY ‘05 Rp billions
60
Q 1 2006 Loan D etail: Restructured Loans
Loan Profile: Q 1 Restructured Loans Rp 18,763 bn Bank O nly
53.0 are performing
72.2 of loans in Category 2 are current in interest payments
