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
Primary sectors in Commercial are:
¾
T rading
¾
Agriculture
¾
Construction
¾
Chemical Manufacturing
76.7 are Rupiah loans
53.8 are W orking Capital loans
13.7 are Restructured loans
1.5 were purchased from IBRA
1 2
3 4
5
C u
rr e
n t
30 31-60
61+
Trading Mfg-O th
Constr Mfg-Chem
Agri Bus Serv
Mfg-FB Mfg-Text
O th 5
ID R USD
W C Invest
Export O ther
P o
st -m
e rg
e r
Restr O ther
N ew Bal. N PL D G
N PL N C D G to N PL
UG to PL PL D G
PL N C PL UG
10 20
30 40
50 60
70 80
90 100
C ollect. C at. 2
Aging Sector
C urrency Purpose
Backgrnd M ovement
Q 4 2006 Loan D etail: Commercial Loans
Loan Profile: Q4 Commercial Loans Only Rp 32,564 bn Bank Only
Rp 32,564 billion in loans were in the Commercial portfolio in Q 4, or 29.8
of total loans. O f the Commercial Loans in Q 4:
74
92.4 are performing, with 11.5 in Category 2
32.5 in Category 2 are current or 1 day overdue in interest payments
31.2 of N PLs are current in interest payments
Primary sectors in Commercial are:
¾
Retail T rading
¾
Agriculture
¾
Manufacturing
¾
Business Services
99.6 are Rupiah loans
67.1 are W orking Capital loans
6.0 are Restructured loans
1 2
4 5
C u
rr e
n t
1 D ay 30
31-60 61+
T ra
d in
g -R
e t
Agri Mfg
Trading-O th Trading-D istr
Constr Bus Serv
O th 5
ID R USD
W C Invest
Program O ther
P o
st -m
e rg
e r
Restr Pre-merger
N ew Bal. N PL N C
PL D G PL N C
PL UG
10 20
30 40
50 60
70 80
90 100
C ollect. C at. 2
Aging Sector
C urrency Purpose
Backgrnd M ovement
Q 4 2006 Loan D etail: Small Business Loans
Loan Profile: Q4 Small Business Loans Only Rp 8,636 bn Bank Only
Rp 8,636 billion in loans were in the Small Business portfolio in Q 4, or 7.9
of total loans. O f the Small Business Loans in Q 4:
Excluding Micro Loans
75
Q 4 2006 Loan D etail: Rupiah Loans
Loan Profile: Q4 Loans Rp 60,936 bn Bank Only
1 2
3
4 5
C u
rr e
n t
1 D ay 30
31-60 61+
Mfg-O th Mfg-FB
Agri Constr
Trading-O th Trading-Ret
Bus Serv Trans
Mfg-Chem O th 5
C o
rp C
o m
m Small
W C Invest
Export O ther
P o
st -m
e rg
e r
Restr O ther
N ew Bal. N PL D G
N PL N C UG to PL
PL N C PL UG
10 20
30 40
50 60
70 80
90 100
C ollect C at 2 Aging
Sector Business
Purpose Backgrnd
M ove
84.6 are performing loans with 9.5 in Category 2
67.2 of Category 2 loans are current in interest payments
18.7 of N PLs are current in interest payments
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Agriculture
¾
Construction
¾
T rading
44.9 are Corporate loans
63.2 are W orking Capital loans
18.5 are Restructured loans
0.8 were purchased from IBRA Rp 60,936 billion in loans were Rupiah
denominated in Q 4, or 55.7 of total loans. Of the Rupiah Loans in Q4:
Excluding Micro Consumer Loans O nly
76
Q 4 2006 Loan D etail: Foreign Currency Loans
Loan Profile: Q4 FX Loans Rp 33,877 bn Bank Only
74.7 are performing loans with 26.0 in Category 2
71.5 of Category 2 loans are current in interest payments
25.7 of N PLs are current in interest payments
