59
Q4 2005 Loan Detail: Loans Written-Off in Q4
Loan Profile: Q4 NPLs Rp 1,346 bn Bank Only
67.7 are to Commercial customers
37.8 had previously been restructured, while 2 originated
from IBRA
Primary sectors are:
¾
Trading - Retail
¾
Manufacturing
•
Non-Metal
• Textiles
• Wood
¾
Agriculture
92.7 are Rupiah loans
48.3 are Working Capital loans Corporate, Commercial Small
Business loans written-off totaled Rp1,346 billion in Q4. Of these Written-
off loans in Q4:
Corp Comm
Small
Re s
tr O
rgani c
IBRA
Trading-Ret Mfg-Oth
Mfg-NonM Mfg-Wood
Trading-Oth Mfg-Text
Agri Constr
Oth5
IDR USD
WC Invest.
Synd Export
Program
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose
Excluding Micro Consumer Loans Only
60
NPL Loan Detail: Quarterly by Interest Days Past Due
Quarterly Downgrades to NPL Interest DPD - Bank Only
976 665
474 1,
108 11,
161 6,
901 1,
177 4,
106
11.8 43.8
14.2 21.0
65.5
53.0
32.8 38.3
26.0
10.6 22.7
0.5 25.1
21.1 15.9
10.2 2,000
4,000 6,000
8,000 10,000
12,000
Q1 04 Q2 04 Q3 04 Q4 04 Q1 05 Q2 05 Q3 05 Q4 05 0.0
12.5 25.0
37.5 50.0
62.5 75.0
Rp Value Current
30 Days
Quarterly NPL Stock Interest DPD - Bank Only Rp tn
6, 196
6, 451
5, 925
6, 334
17, 456
24, 962
24, 193
26, 248
18.7 22.5
26.3 51.9
60.0
51.3
33.0 28.7
5.3 3.3
4.5 2.8
17.2
10.2 8.5 7.7
5,000 10,000
15,000 20,000
25,000 30,000
Q1 04 Q2 04 Q3 04 Q4 04 Q1 05 Q2 05 Q3 05 Q4 05 10
20 30
40 50
60 Rp Value
Current 30 Days
Excluding Micro Consumer Loans Only
61
Q4 2005 Loan Detail: New Downgrades to Category 2
Loan Profile: Q4 Downgrades to Cat. 2 loans Rp 2,097 bn - Bank Only
64.5 are for Commercial 19.9 are for Corporate customers
58.1 are current 1.4 are 1 day overdue
Primary sectors downgraded are:
¾
Construction
¾
Agriculture
¾
F B Manufacturing
¾
Hotels Restaurants
87.4 are Rupiah loans
55.8 are Working Capital loans
6.6 are Restructured loans
0.7 were purchased from IBRA Rp 2,097 billion 2.1 of total loans
in Corporate, Commercial Small Business loans were downgraded to
Category 2 in Q4. Of the downgraded Special Mention Loans in Q4:
Cor p
Com m
Small
C u
rre n
t 1 Day
30 31-60
61+
Constr Mfg-Oth
Agri Mfg-FB
Trading-HR Trading-Oth
Mfg-Chem Mfg-Wood
Trading-Dom Oth5
IDR USD
WC Invest.
Export Program
O rgani
c Restr
IBRA OS
10 20
30 40
50 60
70 80
90 100
GAS Days Aging
Sector Currency
Purpose Backgrnd
Excluding Micro Consumer Loans Only
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
