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
Largest downgrades by sector:
¾
Chemical Manufacturing
¾
Food Beverages
¾
T rading
54.4 were U SD loans
49.8 were W orking Capital loans
73.1 were more than 90 days overdue in interest payments
Corp C
o m
m Small
P o
st -m
e rg
e r
Restr O ther
Mfg-Chem Mfg-FB
Mfg-O th Trading-O th
Mfg-Text Constr
Trading-Ret O th 5
USD ID R
Invest W C
O ther
Current 30 D ays
31-60 D ays 61-90 D ays
90+ D ays
10 20
30 40
50 60
70 80
90 100
G AS Backgrnd
Sector Currency
Purpose Int. Aging
Q 4 2006 Loan D etail: D owngrades to N PL
Excluding Micro Consumer Loans O nly
Corporate, Commercial Small Business loans downgraded to N PL in
Q 4 totaled Rp 1,644 billion 1.5 of total loans. O f these loans:
Loan Profile: Q3 Downgrades to N PL Rp 1,644 bn - Bank O nly
65
Q 4 2006 Loan D etail: N on-Performing Loans
Loan Profile: Q4 N PLs Rp 17,960 bn Bank Only
22.1 remain current on interest payments and 6.5 are less than 90
days overdue
57.4 are to Corporate customers
45.4 are W orking Capital loans and 40.2 are Investment loans
Primary sectors are:
¾
Manufacturing
•
Chemicals
•
T extiles
•
Food Beverage
¾
T rading
52.3 are Rupiah loans
40.5 were previously restructured
2.6 were loans purchased from IBRA
10.5 are Cat. 3 2.0 are Cat. 4 Corporate, Commercial Small
Business N PLs totaled Rp17,960 billion in Q 3, or 16.4 of total loans. O f these
N PLs in Q 4:
3 4
5
P o
s t-
m e
r ge
r Restr
LC O ther
Mfg-O th Mfg-C hem
Mfg-Text Trading
Mfg-FB Mfg-N onM
Agri Bus Serv
O th 5
ID R U SD
W C Invest
Export Synd
Program
C u
r re
n t
31-60 D ays 61-90 D ays
90+ D ays
10 20
30 40
50 60
70 80
90 100
Collectibility Backgr nd
Sector C ur r ency
Pur pose Int. Aging
Excluding Micro Consumer Loans O nly
66
Q 4 2006 Loan D etail: N ew D owngrades to Category 2
Loan Profile: Q4 Downgrades to Cat. 2 loans Rp 1,283 bn - Bank Only
40.6 are for Commercial 41.5 are for Corporate customers
