2
Loan Growth is Generating Stronger LDR
44.6 41.2 42.3 43.0
44.5 49.2
42.5 48.3 48.3
50.4 57.0
65.4 68.7
66.8 72.6
26.5 26.3
28.3 25.3
27.5 35.4
36.1 40.4
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
10 20
30 40
50
Loans LDR
Loans, Rp. Trillion LDR Ratio
1.7 2.6
7.7 0.1
13.7 13.6
10.6 3.4
14.7 13.1
4.4 8.7
2.7 5.0
Growth
Consolidated Quarterly Data
Note: Includes IBRA loan purchases of Rp 5 tr
3
70,481
63,941 9,104
987 1,577
Beg. Balance Net New Loans FX Impact
Loans Written Off
End Balance
Q3 Loan Origination Remains Strong
IDR tn
Total Loan Growth 9 Mo. ‘03 – Bank Only
Additional loans totaling Rp. 17.2 trillion have been approved through 30 September 2003 but have not yet been drawn down, compared to Rp. 10.1 trillion as of 30 September 2002
43,401 39,931
5,219 377
24,954 27,080
Beg. Balance Net New Loans FX Impact
Loans Written Off
End Balance
Total Loan Growth Q3 ‘03 – Bank Only
Rp Loans Rp Loans
FX Loans FX Loans
4
40.2
22.2
1.5 42.7
22.9
1.4 40.6
22.6
1.6 41.8
25.6
3.1
5 10
15 20
25 30
35 40
45
Corporate Commercial
Consumer
Q4 02 Q1 03
Q2 03 Q3 03
3.5
Loan Portfolio Growth is Well Diversified
1 As of Sept 2003; Non-consolidated numbers
Loan by Customer Type – Bank Only
IDR tn
4.4 36.4
59.2 Share of Loan Book, Jan - Sept 2003
34.7 2.3
62.9
Target loan mix by 2007
¾
Corporate: 50
¾
Non-Corporate: 50
NPL Breakdown by Customer Segment Bank Only
Includes Rp. 800 billion Credit Card receivables
purchased from GE Capital
15.3
106.7 YTD Growth
1.61 0.05
Consumer Total
Commercial Corporate
NPL Ratio NPLs
Rp Tr
7.44 5.24
14.34 3.67
3.64 1.52
15.3
5
Loan Portfolio Analysis
Breakdown By Sector, September 2003
1
1 As of Sept 2003; Non-consolidated numbers
FB 7
Textile 8
Pulp Paper 9
Chemical 9
Non metal mining
4 Trading,
Services 13
Agriculture 12
Other Mfg 7
Others, 5 each
25 Transport.,
Comms. 6
No sector accounts for more than 13 of total loans
Minimizing exposure to problem sectors including
¾
Textiles 8
¾
Plywood
¾
TourismHotels
Focusing on growth sectors including:
¾
Agriculture
¾
Fisheries
¾
Natural Resources
6
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
- Loss - Doubtful
- Substandard - Special Mention
- Pass 21.2
35.7
20 40
60 80
100
NPL Cat 2
NPLs
Cat. 2 as
of Total Loans
Loan Collectibility – Bank Only
Loans by Collectibility
7
NPL Movement - Consolidated
7.3 62.2
