60
Q 2 2006 Loan D etail: Rupiah Loans
Loan Profile: Q2 Loans Rp 56,698 bn Bank Only
1 2
3
4 5
C u
rr e
n t
1 Day 30
31-60 61+
Mfg-O th Mfg-FB
Agri Constr
Trading-O th Trading-Ret
Bus Serv Mfg-Chem
O th5
Cor p
Com m
Small
W C Invest
Export Program
Synd.
P o
st -m
e rg
e r
Restr O ther
New Bal. PL UG
PL NC DG to NPL
NPL NC NPL DG
10 20
30 40
50 60
70 80
90 100
Collect Cat 2 Aging
Sector Business
Purpose Backgrnd
Move
79.7 are performing loans with 8.8 in Category 2
47.7 of Category 2 loans are current in interest payments
10.2 of N PLs are current in interest payments
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Agriculture
¾
Construction
¾
T rading
44.3 are Commercial loans
60.4 are W orking Capital loans
18.8 are Restructured loans
1.1 were purchased from IBRA Rp 56,698 billion in loans were Rupiah
denominated in Q2, or 56.7 of total loans. Of the Rupiah Loans in Q2:
Excluding Micro Consumer Loans Only
61
Loan Profile: Q2 FX Loans Rp 29,6393 bn Bank Only
52.3 are performing loans with 17.2 in Category 2
59.5 of Category 2 loans are current in interest payments
26.3 of N PLs are current in interest payments
Primary sectors in Corporate are:
¾
Manufacturing of
Chemicals
T extiles Leather
Pulp Paper
¾
Agriculture
¾
T rading
73.5 are Corporate loans
41.5 are Investment loans
26.2 are Restructured loans
11.6 were purchased from IBRA Rp 29,639 billion in loans were foreign
currency denominated in Q2, or 29.6 of total loans. Of the FX Loans in Q2:
4
1 2
3 5
C u
rr e
n t
30 31-60
61+
Mfg-Text Mfg-Chem
Mfg-PP Agri
Trading Mfg-O th
Mining Mfg-W ood
Mfg-FB O th5
C o
rp C
o m
m
In v
e st
. W C
Synd. Export
P o
st -m
e rg
e r
Restr IBRA
LC O S
New Bal. PL UG
PL NC PL DG
UG to PL NPL UG
NPL NC NPL DG
10 20
30 40
50 60
70 80
90 100
Collect Cat 2 Aging
Sector Business
Purpose Backgrnd
Move
Excluding Micro Consumer Loans Only
62 Other T ransaction Services
3, 427
3, 772
4, 118
4, 429
4, 702
4, 920
2, 665
1, 014
1, 800
341 1,
523 1,
303 321
497 566
680 1,
132 952
72 112
234 7
185 164
18 50
106 6,988
8,233
1,175 3,808
3,072
1,069 695
1,356
358 22
258 199
166 1,086
1,016 1,023 159
27 706
679
Q3 2
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Q1 5
Q2 5
Q3 5
Q4 5
Q1 6
Q2 6
Debit Cards Issued 000 SMS Subs. 000
SMS Trans. 000 Internet Bank. Subs. 000
Call Center Trans. 000
Electronic banking channels rapidly expanding
389. 7
475. 3
582. 3
651. 8
691. 5
698. 752.
9 617.
9 564.
2 336.
5 290.
5 268.
7 74.
2 115.
8 203.
9 232.
9 52.
2 94.
2 159.
226. 2
271. 8
138,259 354,143
338,518
293,246 263,908
225,829
98,004
2,709 6,270
12,201 25,429
41,744 62,551
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Q3 4
Q1 5
Q3 5
Q1 6
Avg Daily Volume 000 Avg Daily Value Rp Mn
AT M Average Daily T ransaction Volume and Value
D ebit Cards reintroduced in Jan. ‘04
C re
d it
C ar
d b
u si
n e
ss g
ro w
th h
as r
e su
m e
d
M a
n d
ir i V
is a
C a
rd H
o ld
e rs
a n
d E
O Q
R e
c e
iv a
b le
s
1,367.4 1,279.4
1,240.8
1,353.6 1,256.6
1,205.8
1,135.6 933.6
823.2
567.5 645.9
747.9 814.9
785.7 1,270.2
7 8
4 .1
7 5
2 .4
6 5
.7
2 2
5 .7
2 7
5 .3
3 3
8 .2
4 1
8 .0
7 9
.4
Q 4 02 Q 1 03
Q 2 03 Q 3 03
Q 4 03 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
R e
c e
iv a
b le
s R
p B
n
C a
rd s
s
250 332
504 535
521 532
606 600
553 621
6 8
8 6
4 8
2 4
1 6
1 1
8 8
2 3
4 2
5 6
8 1
6 2
2 2
3 3
7 3
6 1
5 7
5 9
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
T ra
n sf
e r
B al
an ce
C as
h A
d va
n ce
R e
ta il
V is
a C
a rd
Q u
a rt
e rl
y S
a le
s b
y T
y p
e o
f T ra
n sa
c ti
o n
R p
B il
li o
n
Trans fe
rre d
from G E
64
Mandiri Visa Card Delinquency Rates
106.1
82.9
38.6 35.9
