47
Q1 2005 Loan Detail: Category 2 Loans
Loan Profile: Q1 Corp Comm Category 2 Loans Rp 11.5 tn Bank Only
Corporate Commercial Loans Only
48.3 are Corporate customers
71.8 are current or 1 day overdue
Primary sectors in Category 2 are:
¾
Chemical Manufacturing
¾
Textile Manufacturing
¾
Trading, Hotels Restaurants
¾
Transportation
54.0 are US Dollar loans
58.6 are Investment loans
57.0 are Organic loans
3.6 were purchased from IBRA
30.4 saw no change in collectibility
Rp 11.5 trillion in Corporate Commercial loans were in Category 2
in Q1, or 12.4 of total loans. Of these Special Mention loans in Q1:
Cor por
at e
C o
mme rc
ia Small
C u
rre n
t 1 Day
30 31-60
61+
Mfg-Chem Mfg-Oth
Mfg-Text Trading
Trans Agri
Constr Mining
Mfg-Wood Oth5
IDR USD
In ve
st .
WC Export
Synd Program
O rgani
c IBRA
Restr OS
1 to 2 New Bal.
PL-NC UG to PL
10 20
30 40
50 60
70 80
90 100
GAS Days
Aging Sector
Currency Purpose Backgrnd Move.
48
Q1 2005 Loan Detail: Restructured Loans
Loan Profile: Q1 Corp Comm Restructured Loans Rp 21.3 tn Bank Only
Corporate Commercial Loans Only
60.3 are performing
67.5 are to Corporate customers
Primary sectors are:
¾
Agriculture
¾
Manufacturing
• Chemicals
• Textiles
• Non-Metal Processing
• Pulp Paper
• Food Beverage
¾
Business Services
53.2 are Rupiah loans
35.0 are Investment loans
42.3 deteriorated in collectibility
79.9 in Category 2 are current in interest payments
Rp 21.3 trillion in restructured Corporate Commercial loans
remained in Q1, or 22.9 of total loans. Of Restructured Loans in Q1:
1 2
3 4
5
Cur ren
t 30
31-60 61+
Agri Mfg-Chem
Mfg-Text Mfg-NonM
Mfg-PP Mfg-Oth
Mfg-FB Bus Serv
Trading Oth5
IDR USD
In ve
st .
WC Synd
Export Program
Cor por
at e
C o
mme rc
ia Small
1 to 2 2 to 1
PL-NC UG to PL
DG to NPL NPL-NC
NPL -
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
GAS Movement
49
Loan Portfolio Sector Analysis, Q1 2005
1 Non-consolidated numbers
Each sector 4
Others 4 8
Construction 8
Mfg-Chemicals 9
Hotels 4
Mfg-Non-Metal 3
Mfg-Wood 4
Mining 4
Transportation 4
Retail 4
Mfg-Pulp Paper 5
Trading-Other 5
Agriculture 12
Mfg-FB 11
Business Services 7
Mfg-Other 6
Mfg-Textiles 6
Agriculture Mfg-FB
Mfg-Chemicals Construction
Business Services Mfg-Textiles
Mfg-Other Trading-Other
Mfg-Pulp Paper Retail
Transportation Mining
Mfg-Wood Hotels
Mfg-Non-Metal Others 4
50
Q1 2005 Loan Detail: Corporate Loans
Loan Profile: Q1 Corporate Loans Only Rp 42.9 tn
1 2
3 4
5
Cur ren
t 30
31-60 61+
Mfg-FB Mfg-Chem
Agri Mfg-PP
Trading Mfg-Text
Constr Mining
Mfg-Oth Oth5
IDR USD
In ve
st .
WC Synd
Export Other
O rgani
c IBRA
R e
st ru
ct u
re d
OS
New Bal. 1 to 2
PL-NC DG to NPL
NPL-NC NPL -
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
68.8 are performing loans
