40
Q3 2004 Loan Detail: Restructured Loans
Loan Profile: Q3 Corp Comm Restructured Loans Rp 21.6 tn Bank Only
Corporate Commercial Loans Only
91.0 are performing
69.3 are to Corporate customers
Primary sectors are:
¾
Agriculture
¾
Manufacturing
•
Chemicals
• Textiles
• Non-Metal Processing
• Pulp Paper
¾
Trading Hotels
¾
Business Services
53.0 are Rupiah loans
31.1 are Investment loans
3.0 improved in collectibility
0.5 deteriorated in collectibility Rp 21.6 trillion in restructured
Corporate Commercial loans remained in Q3, or 26.6 of total
loans. Of Restructured Loans in Q3:
1 2
3 4
5
Cu rr
e n
t 30
31-60 61+
Mfg-Oth Agri
Mfg-Chem
Mfg-Text
Mfg-Nmetal
Mfg-PP Trading
Bus Serv Mfg-FB
Oth5
IDR USD
Invest. WC
Synd Export
Program
C o
rp or
at e
C o
mme rc
ia
PL-NC NPL-NC
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
GAS Movement
41
Mfg-FB 10.4
Agri 9.9
Mfg-Chem 9.0
Bus Serv 7.2
Mfg-PP 5.5
Mining 4.5
Mfg-Wood 4.1
Retail 4.1
Distribution 3.8
Mfg-Text 6.5
Mfg-Oth 12.5
Constr 6.8
Trans 4.7
Hotels 3.8
Others 7.3
Loan Portfolio Sector Analysis
Breakdown By Sector, September 2004
1
1 Non-consolidated numbers
Each sector 4
No sector accounts for more than 11 of total loans
Minimizing exposure to problem sectors including
¾
Textiles 6.5
¾
Plywood 4.1
¾
Hotels Restaurants 3.8
Focusing on growth sectors including:
¾
Agriculture
¾
Natural Resources
42
Q3 2004 Loan Detail: Corporate Loans
Loan Profile: Q3 Corporate Loans Only Rp 41.5 tn
1 2
3 5
Cu rr
e n
t 30
31-60 61+
Mfg-FB Mfg-Oth
Mfg-Chem Mfg-PP
Trading Mfg-Text
Agri Mining
Bus Serv Oth5
IDR USD
Invest. WC
Synd Export
Other
O rgani
c
IB R
A
IBRA Restr.
Re s
tr u
c tu
re
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
92.2 are performing loans
9.0 are in Category 2
51.6 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
45.5 are Rupiah loans
40.7 are Investment loans
35.9 are Restructured loans
9.4 were purchased from IBRA Rp 41.5 trillion in loans were in the
