36
Q2 2004 Loan Detail: New Category 2 Loans
Loan Profile: Q2 Corp Comm New Cat. 2 loans Rp 1.38 tn Bank Only
Corporate Commercial Loans Only
84.9 are to Commercial customers
45.8 are current or 1 day overdue
Primary sectors in Category 2 are:
¾
Construction
¾
Agriculture
¾
Trading
¾
Chemical manufacturing
72.0 are Rupiah loans
45.5 are Investment loans
14.1 are Restructured loans
2.6 were purchased from IBRA Rp 1.38 trillion in Corporate
Commercial loans were new to Category 2 in Q2, or 1.8 of total
loans. Of these new Special Mention Loans in Q2:
C or
p or
at e
C o
mme rc
ia l
Current 1 Day
30 31-60
61+
Constr Mfg-Oth
Trading Agri
Mfg-Chem Bus Serv
Mining Mfg-Wood
Mfg-Text Oth5
IDR USD
Invest. WC
Other
O rgani
c IBRA
Restr
10 20
30 40
50 60
70 80
90 100
GAS Days Aging
Sector Currency
Purpose Backgrnd
37
Q2 2004 Loan Detail: Category 2 Loans
Loan Profile: Q2 Corp Comm Category 2 Loans Rp 9.5 tn Bank Only
Corporate Commercial Loans Only
38.6 are Corporate customers
61.1 are current or 1 day overdue
Primary sectors in Category 2 are:
¾
Textile Manufacturing
¾
Agriculture
¾
Trading, Hotels Restaurants
¾
Non-Metal Mining
54.1 are Rupiah loans
63.8 are Investment loans
62.5 are Restructured loans
7.7 were purchased from IBRA
84.2 saw no change in collectibility
Rp 9.5 trillion in Corporate Commercial loans were in Category 2
in Q2, or 12.3 of total loans. Of these Special Mention loans in Q2:
C or
por at
e Co
m m
e rc
ia
Current 1 Day
30 31-60
61+
Mfg-Text Agri
Mfg-NonM Trading
Mfg-Oth Bus Serv
Trans Mfg-Wood
Mfg-Chem Oth5
IDR USD
Invest. WC
O rgani
c
IBRA
IBRA Restr Restr
1 to 2
New Bal.
NC-PL UG to PL
10 20
30 40
50 60
70 80
90 100
GAS Days
Aging Sector
Currency Purpose Backgrnd Move.
38
Movement in Restructured Loans, 1999 – Q2 ‘04
IDR bn
FY 2003 Restructured Loan Movements
25, 1
23 29,
542
23, 987
22, 640
22, 258
27, 4
23
10, 583
1999 Add Deduct2000 Add Deduct2001 Add Deduct2002 Add Deduct2003 Add DeductQ1 04 Add DeductQ2 04
Other Write-Offs
Repayments Restructuring
Balance
Others includes partial payments, FX impacts, and fluctuation in Working Capital facilities
39
Q2 2004 Loan Detail: Restructured Loans
Loan Profile: Q2 Corp Comm Restructured Loans Rp 22.3 tn Bank Only
Corporate Commercial Loans Only
89.5 are performing
