60
Q 1 2006 Loan D etail: Restructured Loans
Loan Profile: Q 1 Restructured Loans Rp 18,763 bn Bank O nly
53.0 are performing
72.2 of loans in Category 2 are current in interest payments
O f the 47.0 which are in N PL, 17.9 are current in interest payments
Primary sectors are:
¾
Agriculture
¾
Manufacturing
•
Chemicals
•
T extiles
•
F B
58.1 are Rupiah loans
34.9 are Investment loans
68.6 are to Corporate customers
6.0 deteriorated in collectibility
2.0 showed improved collectibility O f the remaining Rp 18,763 billion in
restructured Corporate, Commercial Small Business loans in Q 1, or 19.1
of total loans:
1 2
3 4
5
C u
rre n
t 30 Days
31-60 Days 61-90 Days
90+
Agri Mfg-Text
Mfg-Chem Mfg-FB
Mfg-Oth Mfg-NonM
Mfg-PP Mfg-Oth
Trading Oth5
IDR USD
In ve
st .
WC Synd.
Export Program
Co rp
Com m
Small
NPL DG NPL NC
DG to NPL PL DG
PL NC
PL UG
10 20
30 40
50 60
70 80
90 100
Collect. N PL Aging
Sector Currency
Purpose GAS
Movement
Excluding Micro Consumer Loans O nly
61
Q 1 2006 Loan D etail: IBRA Loans
Loan Profile: Q 1 Restructured Loans Rp 4,124 bn Bank O nly
22.1 are performing
94.8 of loans in Category 2 are current in interest payments
O f the 77.9 which are in N PL, 6.9 are current in interest payments
Primary sectors are:
¾
Manufacturing
•
Pulp Paper
•
W ood
•
T extiles
¾
Construction
83.7 are U S Dollar loans
39.6 are Syndicated loans, with another 34.7 Investment loans
84.9 are to Corporate customers
5.0 deteriorated in collectibility during the quarter
Rp 4,124 billion in loans purchased from IBRA remain on the books as of
Q 1, accounting for 4.2 of total loans:
1 2
3 4
5
Current 30 Days
31-60 Days 61-90 Days
90+
Mfg-PP Mfg-Wood
Mfg-Oth Constr
Mfg-Text Trading
Agri
USD IDR
Synd. Invest.
WC Export
Program
Cor p
Com m
NPL DG NPL NC
NPL UG PL NC
10 20
30 40
50 60
70 80
90 100
Collect. N PL Aging
Sector Currency
Purpose GAS
Movement
Excluding Micro Consumer Loans O nly
62
Constr 9.5
Agri 10.3
Oth4 18.7
Mfg-PP 4.4
Bus Serv 4.6
Trading-Ret 4.8
Mfg-Oth 14.1
Mfg-FB 11.6
Trading-Oth 8.3
Mfg-Text 6.2
Mfg-Chem 7.6
Mfg-Oth Mfg-FB
Agri Constr
Trading-Oth Mfg-Chem
Mfg-Text Trading-Ret
Bus Serv Mfg-PP
Oth4
Loan Portfolio Sector Analysis, Q 1 2006
1 N on-consolidated numbers
Each sector 4
63
1 2
3 4
5
C u
rre n
t 1 Day
30 31-60
61+
Mfg-FB Mfg-Oth
Mfg-Chem Agri
Mfg-PP Mfg-Text
Constr Trading
Oth5
IDR USD
WC Invest.
Synd. Export
Other
O rgani
c Restr
IBRA OS
New Bal. NPL DG
NPL NC DG to NPL
PL NC PL UG
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
61.2 are performing loans, with 11.1 in Category 2
