33
Co rp
o ra
te Co
m m
e rc
ia l
Organic IBRA
Restr
Agri Mfg-Oth
Mfg-Chem Retail
Bus Serv Trans
Mfg-Text Trade-Oth
Hotels
Oth5
IDR USD
Other
Invest. WC
Other
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose
Q3 2004 Loan Detail: Downgrades to NPL
Corporate Commercial Loans Only
38.6 were less than 90 days overdue, including 14.2 which were
still current on interest payments
68.6 were Commercial borrowers
29.7 were loans purchased from IBRA
0.3 were previously restructured
Largest downgrades by sector:
¾
Agriculture
¾
Other Manufacturing
¾
Chemical Manufacturing
67.1 were Rupiah loans
23.9 were Investment loans
1
st
time downgrades from Agriculture, Chemical Mfg Retail
Downgrades to NPL in Corporate and Commercial loans totaled Rp 474
billion 0.6 of total loans in Q3. Of these downgraded loans:
Loan Profile: Q3 Corp Comm Downgrades to NPL Rp 474 bn - Bank Only
34
Q3 2004 Loan Detail: Non-Performing Loans
Loan Profile: Q3 Corp Comm NPLs Rp 5.9 tn Bank Only
Corporate Commercial Loans Only
54.5 are to Corporate customers
53.5 are Investment loans
Primary sectors are:
¾
Manufacturing
• Pulp Paper
• Textiles
¾
Agriculture
¾
Transportation
¾
Retail
55.3 are Rupiah loans
32.7 were previously restructured
36.7 were loans purchased from IBRA
Rp 5.9 trillion in Corporate Commercial NPLs remained in Q3, or
7.3 of total loans. Of these NPLs in Q3:
Co rp
o ra
te C
o mme
rc ia
l
Organic IBRA
Restr
Mfg-PP Agri
Mfg-Oth Trans
Mfg-Text Retail
Mfg-Nmetal Trade-Oth
Oth5
IDR USD
Invest. WC
Export
Other
10 20
30 40
50 60
70 80
90 100
GAS Backgrnd
Sector Currency
Purpose
35
Movement in Special Mention Loans, Q1 ‘00 – Q3 ‘04
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
5 - Loss 4 - Doubtful
3 - Substandard 2 - Special Mention
1 - Pass
12.1 12.8
14.5 15.0
24.8 26.2
35.7
20 40
60 80
100
Cat 2
Cat. 2 as
of Total Loans
Loans by Collectibili ty –
B ank Only
36
Q3 2004 Movement in Category 1 and 2 Loans
60,994 580
4,971 79
1 1,716
1,787 65,392
Beg. Bal. D G t o 2 U G f rom
2 D G t o
NPL U G f rom
NPL Net
Disburse. FX Impact End Bal.
Category 1 Loan Movements Rp bn – Bank Only Category 2 Loan Movements Rp bn – Bank Only
113 136
339 492
1,716 1,787
9,912 9,853
Beg. Bal. Cat. 1 DG
UG to 1 DG to NPL
NPL UG Net
Disburse. FX Impact
End Bal.
37
Q3 2004 Loan Detail: New Downgrades to Category 2
Loan Profile: Q3 Corp Comm Downgrades to Cat. 2 loans Rp 1.64 tn Bank Only
Corporate Commercial Loans Only
66.0 are to Commercial customers
26.7 are current or 1 day overdue
