45
Q4 2004 Loan Detail: Restructured Loans
Loan Profile: Q4 Corp Comm Restructured Loans Rp 21.0 tn Bank Only
Corporate Commercial Loans Only
92.7 are performing
68.5 are to Corporate customers
Primary sectors are:
¾
Agriculture
¾
Manufacturing
• Chemicals
• Textiles
• Non-Metal Processing
• Pulp Paper
• Food Beverage
¾
Business Services
52.8 are Rupiah loans
35.6 are Investment loans
7.8 improved in collectibility
0.5 deteriorated in collectibility Rp 21.0 trillion in restructured
Corporate Commercial loans remained in Q4, or 23.8 of total
loans. Of Restructured Loans in Q4:
1 2
3 4
5
C u
rre n
t 30
31-60 61+
Agri Mfg-Oth
Mfg-Chem Mfg-Text
Mfg-Nmetal Mfg-PP
Mfg-FB Trading
Bus Serv Oth5
IDR USD
In v
e s
t. WC
Synd Export
Program
Cor p
o rat
e C
o mme
rc ia
Small
2 to 1 PL-NC
UG to PL NPL-NC
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
GAS Movement
46
Loan Portfolio Sector Analysis
Comparison By Sector, Q4 2003 Q4 2004
1
1 Non-consolidated numbers
Each sector 4
7.6 11.0
9.7
6.6 6.5
5.1 4.9
4.7 4.1
3.7 4.2
3.9 3.6
6.2 5.4 5.3
7.5 10.2
12.9 6.5
6.3 5.7
3.1 3.7
5.1 7.5
10.7 10.4
8.3 9.6
Trading Agri
Mfg - FB Mfg - Chem
Mfg - Others Constr
Bus Serv Mfg - Text
Oth4 Mfg - PP
Trans Mining
Mfg - Wood Hotels Rest
Mfg - Nmetal
Q4 ‘04 Q4 ‘03
80,090.6 69,700.9
Total Loan Balance
5.1 5.4
Mfg – Pulp Paper 6.5
7.5 Mfg - Textiles
5.1 5.3
Others 4 3.1
4.2 Mfg – Non-metal
3.7 3.7
Hotels Restaurants 4.1
3.9 Mfg – Wood Products
4.7 3.6
Mining 4.9
6.2 Transportation
6.6 6.3
Business Services 7.5
5.7 Construction
8.3 6.5
Mfg - Others 9.6
11.0 Mfg - Chemicals
9.7 7.6
Mfg - FB 10.4
12.9 Agriculture
10.7 10.2
Trading Q4 2004
Q4 2003 Sector
47
Q4 2004 Loan Detail: Corporate Loans
Loan Profile: Q4 Corporate Loans Only Rp 42.3 tn
1 2
3 5
Cu rr
e n
t 30
31-60
Mfg-Oth Mfg-FB
Mfg-Chem Trading
Mfg-PP Agri
Mfg-Text Mining
Constr Oth5
IDR USD
In v
e s
t. WC
Synd Export
Other
O rgani
c IBRA
R e
st ru
ct u
re d
OS
New Bal. 1 to 2
2 to 1 PL-NC
NPL-NC
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
91.1 are performing loans
7.5 are in Category 2
97.2 of Category 2 loans are current in interest payments
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Chemical Mfg
¾
Pulp Paper Mfg
¾
Trading, Hotels Restaurants
54.2 are US Dollar loans
41.9 are Investment loans
34.0 are Restructured loans
9.8 were purchased from IBRA Rp 42.3 trillion in loans were in the
Corporate portfolio in Q4, or 47.8 of total loans. Of the Corporate Loans in
Q4:
48
1 2
3 4
5
C u
rre n
t 1 Day
30 31-60
61+
Mfg-Oth Agri
Constr Bus Serv
Retail Trans
Mfg-Text Hotels
Mfg-Chem Oth5
IDR USD
In ve
st .
WC Program
Export Other
O rgani
c IBRA
R e
st ru
ct u
re d
New Bal. 1 to 2
2 to 1 PL-NC
DG to NPL NPL-NC
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
Q4 2004 Loan Detail: Commercial Loans
Loan Profile: Q4 Commercial Loans Only Rp 37.7 tn
93.2 are performing
11.7 are in Category 2
70.7 of Category 2 loans are current in interest payments
Primary sectors in Commercial are:
¾
Agriculture
¾
Construction
¾
Business Services
¾
Retail
77.6 are Rupiah loans
41.1 are Investment loans
17.6 are Restructured loans
2.5 were purchased from IBRA Rp 37.7 trillion in loans were in
Commercial portfolio in Q4, or 42.6 of total loans. Of the Commercial
Loans in Q4:
49
Q4 2004 Loan Detail: Rupiah Loans
Loan Profile: Q4 Corp Comm Rupiah Loans Rp 48.4 tn Bank Only
1 2
3 4
5
C u
rre n
t 1 Day
30 31-60
61+
Mfg-Oth Mfg-FB
Agri Bus Serv
Constr Retail
Trade-Oth Trans
Mfg-Nmetal Oth5
Cor por
at e
C o
mme rc
ia Small
In v
e s
t. WC
Program Export
Other
O rgani
c IBRA
Restr
New Bal. 1 to 2
2 to 1 PL-NC
DG to NPL NPL-NC
10 20
30 40
50 60
70 80
90 100
Collect Cat 2
Aging Sector
Business Purpose
Backgrnd Move
93.0 are performing loans
8.8 are in Category 2
72.0 of Category 2 loans are current in interest payments
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Agriculture
¾
Business Services
¾
Construction
47.3 are Middle Commercial loans
54.8 are Working Capital loans
23.0 are Restructured loans
2.1 were purchased from IBRA Rp 48.4 trillion in loans were Rupiah
denominated in Q4, or 54.7 of total loans. Of the Rupiah Loans in Q4:
Corporate Commercial Loans Only
50
Q4 2004 Loan Detail: Foreign Currency Loans
Loan Profile: Q4 Corp Comm FX Loans Rp 31.7 tn Bank Only
90.7 are performing loans
