6
42.7
22.9
1.4 41.8
25.6
3.1 38.9
30.1
4.2
Corporate Commercial
Consumer
Q4 02 Q1 03
Q2 03 Q3 03
Q4 03 Q1 04
-8.9
Continued growth in Consumer in Q1; Better segment mix
As of Mar. 2004; Non-consolidated numbers
Loans by Customer Type Rp tn – Bank Only
5.8 41.1
53.2
Share of Loan Book, Jan ‘03 - Mar ‘04
34.7 2.3
62.9
Target loan mix by 2004 originally 2007
¾
Corporate: 50
¾
Non-Corporate: 50
Strong Consumer Loan Growth across a range of products
+201.8 Y-o-Y Growth
7.0 19.6
18.3 Unsecured Loans
3.6 785.7
814.9 Credit Cards
20.3 594.0
493.5 Cash Collateral
Loans 64.6
539.8 328.0
Collateralized Personal Loans
4,212.5 1,859.6
411.1 Mar 2004
Total Consumer
Payroll Loans Mortgages
Rp bn Growth
Dec 2003
12.6 3,742.0
3.2 1,802.0
45.2 282.7
+31.3
Car Loans channeled through finance companies = Rp 1.26 tn
7
Q1 2004 Loan Detail: Corporate Loans
Loan Profile: Q1 Corporate Loans Only Rp 38.9 tn
1 2
3 4
5
Current 30
31-60 61+
Mfg-FB Mfg-Chem
Mfg-PP Trading
Mfg-Text. Agri.
Mfg-Cem. Mining
Constr. Other 5
IDR USD
Other
Invest. WC
R e
st ru
ct u
re d
No Hi
s to
ry IBRA
IBRA Restr.
2 to 1 1 to 2
NC
10 20
30 40
50 60
70 80
90 100
C o
lle ct
ib ilit
y
Ca t 2
A g
in g
Se c
to r
C u
rre n
c y
Pu rp
o s
e Hi
s to
ry Mo
v e
me n
t
91.0 are performing loans
11.5 are in Category 2
76.2 of Category 2 loans are current in interest payments
Primary sectors in Corporate are:
¾
Food Beverage Mfg
¾
Chemical Mfg
¾
Pulp Paper Mfg
¾
Trading, Hotels Restaurants
46.8 are Rupiah loans
53.1 are Investment loans
39.5 are Restructured loans
11.0 were purchased from IBRA Rp 38.9 trillion in loans were in the
Corporate portfolio in Q1, or 53.2 of total loans. Of the Corporate Loans in
Q1:
8
Q1 2004 Loan Detail: Commercial Loans
Loan Profile: Q1 Commercial Loans Only Rp 30.1 tn
1 2
3 4
5
Current 1 Day
30 31-60
61+
Trading Agri.
Bus. Serv. Constr.
Trans. Mfg-Text.
Mfg-Wood Mfg-Chem.
Mfg-Others Other 5
IDR USD
Invest. WC
R e
st ru
ct u
re d
No Hi
s to
ry
IBRA IBRA Restr.
2 to 1 1 to 2
NC
UG to PL DG to NPL
10 20
30 40
50 60
70 80
90 100
C o
lle c
tib ility
Ca t 2
A g
in g
Sec to
r
C ur
renc y
P ur
pos e
Hi s
to ry
M o
v em
ent
91.1 are performing
19.4 are in Category 2
53.2 of Category 2 loans are current in interest payments
Primary sectors in Commercial are:
¾
Trading, Hotels Restaurants
¾
Agriculture
¾
Business Services
¾
Construction
77.1 are Rupiah loans
45.7 are Investment loans
24.2 are Restructured loans
7.4 were purchased from IBRA Rp 30.1 trillion in loans were in
Commercial portfolio in Q1, or 41.1 of total loans. Of the Commercial
Loans in Q1:
9
20 40
60 80
100
Q1 00 Q2 00
Q3 00 Q4 00
Q1 01 Q2 01
Q3 01 Q4 01
Q1 02 Q2 02
Q3 02 Q4 02
Q1 03 Q2 03
Q3 03 Q4 03
Q1 04
5 - Loss
4 - Doubt
ful 3
- Subs
ta nda
rd 2 -
Sp
eci a
l M e
n tio
n 1 -
Pass
14. 5
15. 24.
8 26.
2 35.
7
20 40
60 80
100
Ca t 2
Cat. 2 as of Total Loans
Loans by Collectibility – Bank Only
10
NPL Movement - Consolidated
62.2
8.4 7.3
9.7 19.8
1.6 138.5
146.7 129.5
82.3 190.4
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Gross NPL Ratio Net NPL Ratio
Prov NPL
Asset Quality
Conservative provisioning at 31 Mar ‘04:
¾ ProvNPL coverage = 138.5
¾ Collateral values not deducted for 3,4,5
¾ Excess to BI requirement = Rp 2.8 tn
Restructuring and recovery during Q1 ‘04:
¾ Written-off loans recovered = Rp 189 bn
¾ NPL collections = Rp 184 bn
NPL Breakdown by Customer Segment
NPLs PLs
50
15
3
15
5
2
100 2
Mandiri Policy
100 50
1
BI Requirement
5 4
1
Provisioning By Collectibility
73.2 4.2
