8
22.90 22.63 25.60
31.39 33.03 33.27
37.75
1.40 1.63 3.10 3.74
5.05 6.54
8.45 42.35
38.92 40.62
42.70 41.80
38.18 39.46
41.53 40.23
30.06
22.20
4.23 1.51
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
As of December. 2004; Non-consolidated numbers
Loans by Customer Segment Rp tn – Bank Only
Achieved target for loan mix by end-2004
¾ Corporate 50
¾ Non-Corporate 50
2.86 0.24
Consumer 8.93
3.78 Corporate
NPLs NPLs
Rp tn 9.6
125.9 8.45
Consumer
Non-Performing Loans by Segment
6.76 2.55
Commercial
100 20.8
88.55 Total
42.6 20.3
37.75 Commercial
47.8 10.9
42.35 Corporate
of Portfolio
6.58
Loans Rp tn
Total
By Segment Bank only
Y-O-Y Growth
7.43
Loan Segment Details – Bank Only
Corporate
Commercial
Consumer
9
2,638 100,374
24,394 55,570
Deposits Borrowings Ending Bal. 23,608
8,496 29,644
34,830 Earning Assets Ending Bal.
540 436
1,421 1,614
Interest Margin on Assets
87 191
331 320
Provision for possible losses on earning assets
504 825
30 137
Other Operating Income 17
2,756 1,984
3,590 Total Interest Margin
523 2,321
563 1,976
Interest Margin on Liabilities
126 2,313
815 723
Other Operating Expenses
3.7 14.5
11.7 36.1
of Total Profit 273
1,077 869
2,684 Profit from Operations
Cons. Corp.
Business Unit Performance Rp bn Treasury
Comm.
Balance of 34 of total operating profit attributable to funds transfer pricing on capital not allocated to BU
10
283 411
655 199
328 540
1, 802
1, 860
1, 902
1, 912
823 815
786 934
428 494
594 479
510 816
1, 011
1, 522
152 2,
852
1, 058
1, 939
1, 921
1, 493
1, 270
1, 136
1,000 2,000
3,000 4,000
5,000 6,000
7,000 8,000
9,000
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
Other Cash Collateral Loans
Credit Cards Payroll Loans
Collateralized Personal Loans Mortgages
Consumer Loan Portfolio Detail
60.2 65.4
Cash Collateral Loans
11.9 55.9
Credit Cards
0.5 6.6
Payroll Loans
47.1 769.6
Collateralized Personal Loans
50.5 438.3
Mortgages Growth
Q-o-Q Y-o-Y
125.9
246.7 125.0
Other
Total Consumer
Loan Type
29.3
Car Loans channeled through finance companies = Rp 1.9 tn in our Commercial Loan Portfolio
Quarterly Consumer Loan Balances by Type Consumer Loan Growth by Type
11 NPL Movement - Consolidated
55. 4
50. 2
9. 5
14. 1
12. 5
9. 4
9. 1
9. 7.
1 7.
3 7.
3 6.
6 7.
2 8.
2 19.
8
9. 7
7. 3
8. 6
8. 4
62. 2
1.6
128.8 132.0
190.4
139.1
82.3 129.5
146.7
Q1 Q3
Q1 1
Q3 1
Q1 2
Q3 2
Q1 3
Q3 3
Q1 4
Q3 4
Gross NPL Ratio Net NPL Ratio
Prov NPL
Maintaining conservative provisioning
As of 30 December ’04, provisions excess to
BI requirements = Rp 2.83 tn
Restructuring during 2004:
5 4
3 2
1 Collectibility
Non-Performing Loans
Performing Loans
50
15
15
5
100 2
BMRI Policy
100 50
1 BI Req.
Provisioning Policy
Provisioning Details
813 223
NPL Collections 391
70 Loans Restructured
FY ‘04 Q4 ‘04
Rp billions
12
Special Mention Loans decline to 9.4
20 40
60 80
100
Q1 Q2
Q3 Q4
Q1 1
Q2 1
Q3 1
Q4 1
Q1 2
Q2 2
Q3 2
Q4 2
Q1 3
Q2 3
Q3 3
Q4 3
Q1 4
Q2 4
Q3 4
Q4 4
5 - Loss 4 - Doubtful
3 - Substandard 2 - Special Mention
1 - Pass
9.4 12.1
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