61
N PL Loan D etail: Q uarterly by Interest D ays Past D ue
Quarterly Downgrades to N PL Interest DPD - Bank Only
9 7
6 6
6 5
4 7
4 1
,1 8
1 1
,1 6
1 6
,9 1
1 ,1
7 7
4 ,1
6 1
,5 5
8 1
,3 4
1 ,6
4 4
1 ,0
3 1
11.8 43.8
14.2 21.0
65.5
53.0
32.8 38.3
13.5 7.1
15.9
2.8
26.0
10.6 22.7
0.5 25.1
21.1 15.9
10.2 21.0
1.1 1.2
0.3 2,000
4,000 6,000
8,000 10,000
12,000
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
Q 3 06
Q 4 06
0.0 12.5
25.0 37.5
50.0 62.5
75.0 Rp Value
Current 30 D ays
Quarterly N PL Stock Interest DPD - Bank Only Rp tn
6 ,1
9 6
6 ,4
5 1
5 ,9
2 5
6 ,3
3 4
1 7
,4 5
6 2
4 ,9
6 2
2 4
,1 9
3 2
6 ,2
4 8
2 6
,4 2
4 1
7 ,9
6 2
5 ,4
1 4
2 5
,6 6
5 18.7
22.5 26.3
60.0
33.0 28.7
22.1 19.0
16.2 22.1
5.3 3.3
4.5 2.8
17.2
10.2 8.57.7
6.6 51.3
51.9
3.9 0.3
1.8
5,000 10,000
15,000 20,000
25,000 30,000
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
Q 3 06
Q 4 06
10 20
30 40
50 60
Rp Value Current
30 D ays
Excluding Micro Consumer Loans O nly
62
2 5
,1 2
3 2
9 ,5
4 2
2 3
,9 8
7 2
1 ,0
4 5
1 9
,4 2
7 2
,9 1
4 2
7 ,4
2 3
1 ,5
8 3
1 9
9 9
A d
d D
e d
u c
t 2
A d
d D
e d
u c
t 2
1 A
d d
D e
d u
c t
2 2
A d
d D
e d
u c
t 2
3 A
d d
D e
d u
c t
2 4
A d
d D
e d
u c
t 2
5 A
d d
D e
d u
c t
2 6
Others Write-Offs
Repayments Restructuring
B alance
Rp5,232 bn in loans were restructured in Q 4 ’06
IDR bn
O thers includes partial payments, FX impacts, and fluctuation in W orking Capital facilities
Loans by Restructuring T ype in Q 4 2006
Additional loans 2
LT loans wconvert.
option 7
Maturity extension
wreduced rates 12
Maturity extension
wother restrg
21 Maturity
extension 58
O ther Restructuring includes reduction of interest rates, rescheduling of unpaid interest extension of repayment period for unpaid interest
Restructured Loan Movement 1999 - 2006
1,066 341
9 Mo. ‘06
1,332 5,232
Q 4 ‘06
813 391
FY ‘04
1,118 N PL Collections
718 Loans Restructured
FY ‘05 Rp billions
63
Trading-O th 7.9
Agri 10.5
Other 10.3
Bus Serv 4.2
Trans 4.3
Trading-Ret 4.5
M fg-Text 6.1
Mfg-PP 6.5
Mfg-FB 11.5
M fg-O th 11.3
Constr 7.7
M ining 7.4
Mfg-Chem 7.6
Mfg-FB Mfg-O th
Agri Trading-O th
C onstr Mfg-C hem
Mining Mfg-PP
Mfg-Text Trading-Ret
Trans Bus Serv
O ther
Loan Portfolio Sector Analysis, Q 4 2006
1 N on-consolidated numbers
Each sector 4
64
2.8 were still current on interest payments while only 1.1 were less
than 30 days overdue
51.9 were Corporate borrowers
39.6 were loans previously restructured
