61
Loan Profile: Q3 IBRA Loans Rp 3,930 bn Bank Only
22.0 are performing
90.9 of loans in Category 2 are current in interest payments
Of the 78.1 which are in NPL, 1.7 are current in interest payments
Primary sectors are:
¾
Manufacturing
• Pulp Paper
• Wood
• Textiles
¾
Construction
85.2 are US Dollar loans
42.3 are Syndicated loans, with another 33.4 Investment loans
85.8 are to Corporate customers
6.4 deteriorated in collectibility during the quarter
Rp 3,930 billion in loans purchased from IBRA remain on the books as of
Q3, accounting for 3.9 of total loans:
1 2
3
4
5
Current 31-60 Days
90+
Mfg-PP Mfg-Wood
Constr Trading
Mfg-Text Agri
Mfg-NonM
Mfg-Oth
USD IDR
Synd Invest
WC Export
Program
Corp Com
m
NPL DG NPL NC
NPL UG PL NC
PL UG
10 20
30 40
50 60
70 80
90 100
Collect. NPL Aging
Sector Currency
Purpose GAS
Movement
Excluding Micro Consumer Loans Only
62
Mfg-Chem 9.0
Agri 10.4
Oth4 12.5
Mfg-PP 4.4
Bus Serv 4.6
Trans 4.7
Trading-Ret 5.0
Mfg-Oth 13.6
Mfg-FB 11.7
Trading-Oth 8.8
Mfg-Text 6.7
Constr 8.5
Mfg-Oth Mfg-FB
Agri Mfg-Chem
Trading-Oth Constr
Mfg-Text Trading-Ret
Trans Bus Serv
Mfg-PP Oth4
1 Non-consolidated numbers
Each sector 4
63
1 2
3 4
5
Cu rr
en t
30 31-60
61-90
Mfg-FB Mfg-Oth
Mfg-Chem Agri
Mfg-Text Mfg-PP
Trading Constr
Trans Oth5
IDR USD
WC Invest
Synd Export
Program
Po st
-m er
ge r
Restr IBRA
LC OS
Pre-merger
New Bal. NPL DG
NPL NC NPL UG
PL NC PL UG
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
64.0 are performing loans, with 9.0 in Category 2
77.3 of Category 2 loans are current in interest payments
15.9 of NPLs are current in interest payments, with another 2.1 less
than 30 days overdue
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Chemical Mfg
¾
Textile Mfg
¾
Agriculture
53.6 are Rupiah loans
49.0 are Working Capital loans
25.6 are Restructured loans
7.4 were purchased from IBRA
Loan Profile: Q3 Corporate Loans Only Rp 45,703 bn Bank Only
Rp 45,703 billion in loans were in the Corporate portfolio in Q3, or 45.3 of
total loans. Of the Corporate Loans in Q3:
64
75.2 are performing, with 11.1 in Category 2
42.8 in Category 2 are current or 1 day overdue in interest payments
15.7 of NPLs are current in interest payments
Primary sectors in Commercial are:
¾
Trading
¾
Agriculture
¾
Construction
¾
Chemical Manufacturing
76.3 are Rupiah loans
53.3 are Working Capital loans
15.1 are Restructured loans
1.7 were purchased from IBRA
1 2
3 4
5
Cu rren
t 1 Day
30 31-60
61+
Trading Constr
Mfg-Oth Agri
Mfg-Chem Mfg-FB
Bus Serv Mfg-Text
Mfg-Wood Oth5
IDR USD
WC Invest
Export Other
Po st
-m er
ge r
Restr Other
New Bal. NPL DG
NPL NC PL DG
PL NC PL UG
10 20
30 40
50 60
70 80
90 100
Collect. Cat. 2
Aging Sector
Currency Purpose
Backgrnd Movement
Loan Profile: Q3 Commercial Loans Only Rp 32,843 bn Bank Only
Rp 32,843 billion in loans were in the Commercial portfolio in Q3, or 32.6
of total loans. Of the Commercial Loans in Q3:
65
90.2 are performing, with 13.1 in Category 2
38.6 in Category 2 are current or 1 day overdue in interest payments
