57
38.3 were still current on interest payments with a further 10.2 less
than 30 days overdue
32.1 were Corporate borrowers
14.3 were loans previously restructured
5.6 were loans purchased from IBRA
Largest downgrades by sector:
¾
Construction
¾
Chemical Manufacturing
¾
Oil Gas
53.9 were Rupiah loans
52.2 were Investment loans
1
st
time downgrades from Chemical and Wood Manufacturing, Oil Gas
Coal Mining
Corp Co
m m
Small
O rgan
ic Restr
IBRA OS
Mfg-Oth Constr
Mfg-Chem Mining-OG
Trading Agri
Mfg-Wood Trans
Mining-Oth Oth5
ID R
US D
In ve
st. WC
Synd. Export
Program
C u
rren t
30 Days 31-60 Days
61-90 Days 90+ Days
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose Int. Aging
Q4 2005 Loan Detail: Downgrades to NPL
Excluding Micro Consumer Loans Only
Corporate, Commercial Small Business loans downgraded to NPL in
Q4 totaled Rp 4,106 billion 4.1 of total loans. Of these loans:
Loan Profile: Q4 Downgrades to NPL Rp 4,106 bn - Bank Only
58
Q4 2005 Loan Detail: Non-Performing Loans
Loan Profile: Q4 NPLs Rp 26,248 bn Bank Only
28.7 remain current on interest payments 18.5 are less than 90
days overdue
63.6 are to Corporate customers
37.7 are Investment loans
Primary sectors are:
¾
Manufacturing
•
Pulp Paper
• Textiles
• Chemicals
¾
Construction
¾
Trading
58.2 are US Dollar loans
35.9 were previously restructured
14.1 were loans purchased from IBRA
21.1 are Cat. 3 19.7 are Cat. 4 Corporate, Commercial Small
Business NPLs totaled Rp26,248 billion in Q4, or 26.2 of total loans. Of these
NPLs in Q4:
3 4
5
Re s
tr O
rgani c
IB R
A OS
Mfg-Oth Mfg-Text
Mfg-PP Mfg-Chem
Constr Trading
Agri Mfg-Wood
Trans Oth5
USD IDR
In v
e s
t WC
Synd Export
Program
C ur
rent 30 Days
31-60 Days 61-90 Days
90+ Days
10 20
30 40
50 60
70 80
90 100
Collectibility Backgrnd Sector
Currency Purpose
Int. Aging
Excluding Micro Consumer Loans Only
59
Q4 2005 Loan Detail: Loans Written-Off in Q4
Loan Profile: Q4 NPLs Rp 1,346 bn Bank Only
67.7 are to Commercial customers
