70
Q 4 2006 Loan D etail: Restructured Loans
Loan Profile: Q4 Restructured Loans Rp 20,286 bn Bank Only
63.7 are performing
82.0 of loans in Category 2 are current in interest payments
O f the 36.3 which are in N PL, 27.8 are current in interest payments
Primary sectors are:
¾
Agriculture
¾
Manufacturing
•
Chemicals
•
T extiles
•
Pulp Paper
56.2 are Rupiah loans
42.5 are Investment loans
75.2 are to Corporate customers
5.5 deteriorated in collectibility
16.0 showed improved collectibility O f the remaining Rp 20,286 billion in
restructured Corporate, Commercial Small Business loans in Q 4, or 18.5
of total loans:
1 2
3 4
5
C u
rr e
n t
61-90 D ays 90+
Mfg-O th Mfg-PP
Mfg-T ext Agri
Mfg-Chem Mfg-N onM
Mfg-FB Constr
Trading O th 5
ID R USD
W C Invest
Export Synd
Program
C o
rp C
o m
m Small
N ew Bal. N PL D G
N PL N C N PL UG
D G to N PL UG to PL
PL D G PL N C
10 20
30 40
50 60
70 80
90 100
C ollect . N PL Aging
Sect or C urrency
Purpose GAS
M ovement
Excluding Micro Consumer Loans O nly
71
Q 4 2006 Loan D etail: IBRA Loans
Loan Profile: Q4 IBRA Loans Rp 2,964 bn Bank O nly
84.0 are performing
22.2 of loans in Category 2 are current in interest payments
O f the 78.1 which are in N PL, none are current in interest payments
Primary sectors are:
¾
Manufacturing
•
Pulp Paper
•
T extiles
¾
Construction
¾
T rading
83.7 are U S Dollar loans
52.5 are Syndicated loans, with another 32.7 Investment loans
83.5 are to Corporate customers
59.2 improved in collectibility during the quarter
Rp 2,964 billion in loans purchased from IBRA remain on the books as of
Q 4, accounting for 2.7 of total loans:
1 2
5
31-60 D ays 61-90 D ays
90+
Mfg-PP Constr
Trading Mfg-O th
Mfg-T ext Mfg-N onM
O th 5
USD ID R
Synd Invest
W C Program
C o
rp C
o m
m
N PL D G N PL N C
UG to PL PL N C
10 20
30 40
50 60
70 80
90 100
C ollect . N PL Aging
Sect or C urrency
Purpose GAS
M ovement
Excluding Micro Consumer Loans O nly
72
1 2
3 5
C u
rr e
n t
1 D ay 61+
Mfg-FB Mfg-O th
Mining Mfg-PP
Agri Mfg-Chem
Mfg-T ext Trading
O th 5
ID R USD
W C Invest
Synd Export
O ther
P o
st -m
e rg
e r
Restr LC
IBRA O ther
N ew Bal. N PL D G
N PL N C UG to PL
PL N C
10 20
30 40
50 60
70 80
90 100
Collect. C at. 2
Aging Sector
Currency Purpose
Backgrnd M ovement
80.8 are performing loans, with 19.9 in Category 2
79.0 of Category 2 loans are current in interest payments
26.8 of N PLs are current in interest payments, with another 0.3 less
than 30 days overdue
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Mining
¾
Pulp Paper Mfg
¾
Agriculture
51.0 are Rupiah loans
55.9 are W orking Capital loans
28.3 are Restructured loans
4.6 were purchased from IBRA
Q 4 2006 Loan D etail: Corporate Loans
Loan Profile: Q4 Corporate Loans Only Rp 53,613 bn Bank Only
Rp 53,613 billion in loans were in the Corporate portfolio in Q4, or 49.0 of
total loans. O f the Corporate Loans in Q 4:
73
78.5 are performing, with 9.1 in Category 2
51.4 in Category 2 are current or 1 day overdue in interest payments
14.2 of N PLs are current in interest payments
